Commercial Hard Money Loans
in California

Commercial Loans
Fast, Flexible Funding for Commercial Real Estate

At TrueBridge Loans, we specialize in commercial hard money loans designed to move at the speed of business. Whether you’re buying, refinancing, or need bridge financing for a unique situation, we provide fast, no-nonsense capital solutions that go beyond what banks can offer.

We’re trusted commercial hard money lenders in California. Our process is quick, our terms are competitive, and we treat every deal with a concierge-level approach.

Why Use a
Commercial Hard Money Loan?

Commercial hard money loans are ideal when:

  • You need to close fast in days, not weeks or months.
  • You can’t qualify for a traditional commercial loan due to credit, income verification, or time constraints.
  • You’re working on a unique investment deal that traditional lenders won’t touch.


We focus on the value of your property, not your tax returns or credit score.

Commercial Hard Money Lenders

How the Process Works
Follow Four Simple Steps

Getting started with TrueBridge Loans is easy and efficient. Just follow these four simple steps to get your deal moving quickly.

Step 1

Get in touch with us and share your specific needs and situation.

Step 2

We quickly evaluate your deal, focusing on the value and potential of the property.

Step 3

Receive a customized quote the same day, tailored to your unique scenario.

Step 4

Enjoy fast funding—secure your loan in just a few days, not weeks.

We don’t make you jump through hoops. If the deal makes sense, we get it done.
Eligible
Property Types

TrueBridge Loans offers commercial hard money financing for a wide range of property types, including:

Retail

– Strip malls, storefronts, and shopping centers

Industrial

– Warehouses, logistics hubs, and manufacturing

Office Buildings

– Single-tenant, multi-tenant, and flex spaces

Healthcare

– Clinics, assisted living, and medical office buildings

Hotels & Hospitality

– Motels, boutique hotels, and extended stays

Multifamily

– Duplexes, triplexes, apartment complexes, and mixed-use

Have a unique property? Give us a call, we love creative deals.

What Can I Use a
Commercial Hard Money Loan For?

Hard money is a powerful tool for real estate investors and business owners. Some of the most common scenarios include:

  • Bridge financing while waiting for SBA or traditional loan approval
  • Fix-and-flip or rehab projects
  • Cash-out refinance to pull equity for new opportunities
  • Purchasing distressed or time-sensitive deals
  • Paying off tax liens, judgments, or ballooning debt
  • Foreign national financing (limited documentation required)
  • Ground-up construction or delayed builds
Borrower
Requirements

You don’t need perfect credit or piles of paperwork. Our main requirement? A solid deal backed by real estate. Here’s what we typically need:

  • Basic borrower info
  • Property address and type
  • Purchase price or current value
  • Exit strategy (sell, refi, etc.)


We’ll guide you through the rest.

Commercial Loan
Terms & Guidelines

Here’s what you can expect when working with TrueBridge Loans. Clear terms, fast timelines, and flexible options that work for real-world investors.

Loan Amounts:

$250K to $10M+

Loan-to-Value (LTV)

Up to 60% (based on property value)

Interest Rates

Starting at 7.99%

Terms

12 to 36 months (interest-only available)

Funding Speed

As fast as 5–15 business days

Credit

All types considered

Documentation

Minimal paperwork. We focus on the property because your time and the quality of your deal matter more than piles of paperwork.

Why Borrowers Choose
TrueBridge Loans

When it comes to commercial hard money lending, our clients choose us for a reason—or rather, several. Here’s what sets TrueBridge Loans apart:

Direct Lending + Brokerage Flexibility

We’re both a direct lender and broker, so we can shop multiple programs or fund in-house when needed.

Experience That Works for You

Our team has over 40+ years of combined commercial lending experience and has funded hundreds of millions in loans.

Fast, Transparent Process

We move quickly without the red tape. No upfront fees. No guesswork. Just clear communication and fast closings.

Hands-On Service

From your first call to funding, you’ll work with a dedicated team that prioritizes speed, accuracy, and service.

Ready to Talk
About Your Deal?

If you’re facing a tight deadline or dealing with a challenging situation, we’re ready to support you and get your next step moving quickly.

Call us at (805) 719-7008 or email us at Info@truebridgeloans.com for more information.

Frequently Asked Questions

It’s an asset-based loan secured by commercial real estate, used when traditional financing isn’t an option or takes too long.
We can fund deals in as little as 5–15 days, depending on how fast documents and appraisals come in.
Nope. We look primarily at the value of the property and the strength of the deal.
Yes! We work with many foreign investors and don’t require traditional U.S. credit or income documents.
We’re active in California.
Just give us a call or send over your scenario and we’ll get you a quick quote.
Request a Loan
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