Hard Money Financing
Hard Money Loans in San Francisco, CA
San Francisco and the broader Bay Area remain one of the world's most important technology and innovation centers. While the office market has faced pandemic-era headwinds, industrial, multifamily, and life sciences assets continue to attract strong capital flows, and the region's long-term fundamentals remain compelling.
Apply for San Francisco Hard Money Financing →Hard Money Loan Details
Hard Money Financing for San Francisco Commercial Properties
CLS CRE provides hard money loans for commercial real estate investors in the San Francisco-Oakland-Berkeley market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for San Francisco properties.
Loan Amount
$1M - $20M
Term
6 - 24 Months
Rates
9.00% - 14.00%
Ltv
Up to 70% LTV (75% ARV)
Close Time
1 to 2 Weeks
Recourse
Recourse Typical
Other Financing in San Francisco
Permanent Loans
San Francisco, CA
Construction Loans
San Francisco, CA
Bridge Loans
San Francisco, CA
SBA Loans
San Francisco, CA
Mezzanine & Preferred Equity
San Francisco, CA
Specialty Financing
San Francisco, CA
Agency Loans
San Francisco, CA
HUD/FHA Multifamily Loans
San Francisco, CA
CMBS Loans
San Francisco, CA
Net Lease Financing
San Francisco, CA
Life Company Loans
San Francisco, CA
DSCR Loans
San Francisco, CA
Property Types in San Francisco
Explore financing by property type in the San Francisco-Oakland-Berkeley market.
Hard Money Loans in Other Cities
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Wichita, KS
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Augusta, GA
Spokane, WA
Syracuse, NY
Toledo, OH
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Chattanooga, TN
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Harrisburg, PA
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Pensacola, FL
FAQ
Hard Money Loans in San Francisco FAQ
The best commercial lenders in San Francisco depend on your property type and loan needs. CLS CRE works with 1,000+ banks, life insurance companies, debt funds, CMBS conduits, and agency lenders to find the most competitive hard money loans financing for your San Francisco property. Contact us for a customized lender recommendation.
Current hard money loans rates in San Francisco range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the San Francisco-Oakland-Berkeley market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in San Francisco typically take 45-90 days for permanent financing and 2-4 weeks for bridge loans. Timelines depend on the lender type, property complexity, and local requirements such as environmental reviews and appraisal turnaround times.
Not necessarily. While local banks and credit unions in San Francisco offer relationship-based lending, national lenders (life companies, CMBS, agency) often provide more competitive rates and terms. CLS CRE sources capital from both local and national lenders to find the best fit.
In the San Francisco-Oakland-Berkeley market, the most financeable property types currently include multifamily apartments, industrial warehouses, and well-tenanted retail — all driven by strong local demand and favorable lender appetite. Contact CLS CRE for a market-specific financing assessment.
Get Hard Money Financing in San Francisco
Contact Commercial Lending Solutions for a free, no-obligation hard money loan quote for your San Francisco commercial property.
Apply for Financing →