Bakersfield
Commercial Real Estate Financing in Bakersfield, CA
Bakersfield is the commercial center of Kern County, the most productive oil-producing county in California and one of the top agricultural counties in the nation. The CRE economy is shaped by the energy sector (Chevron, California Resources Corporation, Aera Energy), agriculture (Grimmway Farms, Bolthouse Farms, Wonderful Company), aerospace and defense exposure to nearby Edwards Air Force Base and the Mojave Air and Space Port, and an expanding logistics base along SR-99 and Interstate 5. Healthcare anchors include Bakersfield Memorial Hospital, Adventist Health, and Kern Medical. Multifamily fundamentals benefit from California's persistent housing shortage and the Central Valley's relative affordability versus coastal markets.
Apply for Bakersfield Financing →Submarkets
Neighborhoods & Submarkets in Bakersfield
Explore commercial lending options by neighborhood in the Bakersfield market.
Downtown Bakersfield
Bakersfield, CA
Westchester
Bakersfield, CA
Oleander
Bakersfield, CA
La Cresta
Bakersfield, CA
Riverlakes
Bakersfield, CA
Seven Oaks
Bakersfield, CA
Stockdale
Bakersfield, CA
Polo Grounds
Bakersfield, CA
Rosedale
Bakersfield, CA
Tehachapi
Bakersfield, CA
Delano
Bakersfield, CA
Wasco
Bakersfield, CA
Shafter
Bakersfield, CA
Arvin
Bakersfield, CA
Lamont
Bakersfield, CA
Financing Programs in Bakersfield
Permanent Loans
Bakersfield, CA
Construction Loans
Bakersfield, CA
Bridge Loans
Bakersfield, CA
SBA Loans
Bakersfield, CA
Mezzanine & Preferred Equity
Bakersfield, CA
Specialty Financing
Bakersfield, CA
Agency Loans
Bakersfield, CA
HUD/FHA Multifamily Loans
Bakersfield, CA
CMBS Loans
Bakersfield, CA
Net Lease Financing
Bakersfield, CA
Life Company Loans
Bakersfield, CA
Property Types in Bakersfield
Specialty Asset Classes
Specialty Property Financing in Bakersfield
Deep-dive financing guides for specialty commercial assets in the Bakersfield market.
Self-Storage Financing
Bakersfield: Climate-Controlled, Drive-Up, Multi-Story
Senior Living Financing
Bakersfield: Assisted Living, Memory Care, Independent
Medical Office Financing
Bakersfield: On-Campus, Off-Campus, Surgery Centers
Data Center Financing
Bakersfield: Colocation, Hyperscale, Edge Computing
FAQ
Commercial Real Estate Lending in Bakersfield — FAQ
CLS CRE finances all major commercial property types in Bakersfield, including multifamily apartments, industrial and warehouse, retail centers, office buildings, mixed-use, hospitality, self-storage, senior living, medical office, and data centers. Both acquisition and refinance transactions are eligible.
CLS CRE works on commercial loans from $1 million to over $100 million in Bakersfield. Smaller deals typically access SBA programs, local bank balance sheets, or credit unions. Larger deals access life insurance companies, CMBS conduits, agency programs (Fannie Mae, Freddie Mac, HUD), and debt funds.
Close timelines in Bakersfield vary by lender type. Bridge loans from debt funds typically close in 2 to 4 weeks. Bank balance sheet loans close in 45 to 75 days. Agency and life company permanent loans close in 45 to 90 days. SBA 504 loans typically take 60 to 90 days from application to close.
No. Most commercial lenders have no state residency requirement. What matters is the property location, the strength of the deal, and the sponsor experience and financial profile. CLS CRE works with borrowers nationwide on Bakersfield-area properties.
A broker with active Bakersfield market relationships can access lenders that do not accept direct applications, negotiate pricing that reflects local market knowledge, and structure deals around Bakersfield-specific regulatory and underwriting nuances. CLS CRE maintains active relationships with over 1,000 lenders nationally.
Other Markets
Los Angeles, CA
New York, NY
Phoenix, AZ
Dallas, TX
Houston, TX
Miami, FL
Atlanta, GA
Chicago, IL
Denver, CO
Seattle, WA
San Diego, CA
San Francisco, CA
Austin, TX
Nashville, TN
Tampa, FL
Charlotte, NC
Minneapolis, MN
Portland, OR
Las Vegas, NV
Orlando, FL
Raleigh, NC
Salt Lake City, UT
San Antonio, TX
Kansas City, MO
Columbus, OH
Indianapolis, IN
San Jose, CA
Philadelphia, PA
Washington DC, DC
Detroit, MI
Boston, MA
Baltimore, MD
Sacramento, CA
St. Louis, MO
Pittsburgh, PA
Cincinnati, OH
Cleveland, OH
Jacksonville, FL
Milwaukee, WI
Memphis, TN
Oklahoma City, OK
Louisville, KY
Richmond, VA
Virginia Beach, VA
New Orleans, LA
Birmingham, AL
Hartford, CT
Tucson, AZ
Boise, ID
Omaha, NE
Tulsa, OK
Honolulu, HI
Albuquerque, NM
El Paso, TX
Riverside, CA
Charleston, SC
Greenville, SC
Knoxville, TN
Fort Worth, TX
Savannah, GA
Fort Lauderdale, FL
West Palm Beach, FL
Durham, NC
Colorado Springs, CO
Huntsville, AL
Provo, UT
Boulder, CO
Reno, NV
Ann Arbor, MI
Madison, WI
Des Moines, IA
Lexington, KY
Providence, RI
Buffalo, NY
Rochester, NY
Grand Rapids, MI
Fresno, CA
Worcester, MA
Bridgeport-Stamford, CT
Albany, NY
New Haven, CT
Oxnard-Ventura, CA
Allentown, PA
Baton Rouge, LA
Dayton, OH
McAllen, TX
Stockton, CA
Columbia, SC
Greensboro, NC
Akron, OH
Sarasota, FL
Fort Myers, FL
Little Rock, AR
Wichita, KS
Lakeland, FL
Ogden, UT
Winston-Salem, NC
Augusta, GA
Spokane, WA
Syracuse, NY
Toledo, OH
Lancaster, PA
Chattanooga, TN
Scranton, PA
Harrisburg, PA
Asheville, NC
Pensacola, FL
Get Commercial Financing in Bakersfield
Contact Commercial Lending Solutions for a free, no-obligation quote on commercial real estate financing in Bakersfield, CA. We respond within 24 hours.
Apply for Financing →