San Francisco-Oakland-Berkeley
Commercial Real Estate Financing 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 Financing →Submarkets
Neighborhoods & Submarkets in San Francisco
Explore commercial lending options by neighborhood in the San Francisco-Oakland-Berkeley market.
Financing Programs 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
Property Types in San Francisco
Specialty Asset Classes
Specialty Property Financing in San Francisco
Deep-dive financing guides for specialty commercial assets in the San Francisco-Oakland-Berkeley market.
Self-Storage Financing
San Francisco: Climate-Controlled, Drive-Up, Multi-Story
Senior Living Financing
San Francisco: Assisted Living, Memory Care, Independent
Medical Office Financing
San Francisco: On-Campus, Off-Campus, Surgery Centers
Data Center Financing
San Francisco: Colocation, Hyperscale, Edge Computing
FAQ
Commercial Real Estate Lending in San Francisco — FAQ
CLS CRE finances all major commercial property types in San Francisco, 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 San Francisco. 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 San Francisco 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 San Francisco-area properties.
A broker with active San Francisco market relationships can access lenders that do not accept direct applications, negotiate pricing that reflects local market knowledge, and structure deals around San Francisco-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
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
Bakersfield, CA
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 San Francisco
Contact Commercial Lending Solutions for a free, no-obligation quote on commercial real estate financing in San Francisco, CA. We respond within 24 hours.
Apply for Financing →