Permanent Financing

Permanent 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.

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Permanent Loan Details

Permanent Financing for San Francisco Commercial Properties

CLS CRE provides permanent 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
$500K - $100M+
Term
5 - 25 Years
Rates
5.34% - 8.25%
Ltv
Up to 75% LTV
Amortization
25 - 30 Years
Recourse
Non-Recourse Available
Track Record

Permanent Deals Near San Francisco

Selected permanent transactions in and around the San Francisco-Oakland-Berkeley market.

Multifamily Mobile Homes - San Jose, CA
Permanent
$36,400,000
Multifamily Mobile Homes
San Jose, CA
Manufactured housing community portfolio refinancing in one of the nation's tightest and most expensive housing markets.
Industrial Distribution - Los Angeles, CA
Permanent
$34,000,000
Industrial Distribution
Los Angeles, CA
Acquisition financing for a Class A distribution facility in the Los Angeles industrial core with long-term credit tenancy.
Retail Shopping Center - Sacramento, CA
Permanent
$32,000,000
Retail Shopping Center
Sacramento, CA
Stabilized retail center anchored by national tenants in Northern California's growing capital region.
Heavy Industrial - Vernon, CA
Permanent
$27,500,000
Heavy Industrial
Vernon, CA
Heavy manufacturing and industrial campus refinancing in the Vernon industrial district, a premier hub for production facilities in LA County.
Industrial & Medical Office - Tustin, CA
Permanent
$26,800,000
Industrial & Medical Office
Tustin, CA
Portfolio financing spanning industrial and medical office assets in Orange County's Tustin corridor.
Office - Los Angeles, CA
Permanent
$19,500,000
Office
Los Angeles, CA
Class A office building refinancing in a premier Los Angeles submarket with strong institutional tenancy.

Other Financing in San Francisco

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

Property Types in San Francisco

Explore financing by property type in the San Francisco-Oakland-Berkeley market.

Multifamily
San Francisco, CA
Industrial
San Francisco, CA
Retail
San Francisco, CA
Office
San Francisco, CA
Mixed-Use
San Francisco, CA
Hospitality
San Francisco, CA

Permanent Loans in Other Cities

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FAQ

Permanent 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 permanent loans financing for your San Francisco property. Contact us for a customized lender recommendation.
Current permanent 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 Permanent Financing in San Francisco

Contact CLS CRE for a free, no-obligation permanent loan quote for your San Francisco commercial property.

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Or call us: 310.758.4042