California Commercial Financing Advisory
Commercial real estate loans & SBA financing in California.
Buy your building with as little as 10% down. Refinance and unlock equity. Fund your expansion. One licensed advisory team — in English and Vietnamese — from strategy to closing.
Get my loan quote →Loan programs
The right structure — not just a rate.
Most declines aren't about the borrower — they're about fit. We match your transaction to the program built for it.
Buy your building
Owner-occupied purchase or refinance. 50% bank + 40% CDC + 10% down, long-term fixed rates.
Acquisition & working capital
Business purchase, partner buyout, expansion, equipment, and working capital in one facility.
Commercial real estate
Purchase or refinance for multifamily, retail, office, industrial, and mixed-use assets.
Fast-close & value-add
Short-term capital for time-sensitive purchases, repositioning, or bank-declined deals.
Investment property
Qualify on the property's rental income — no tax-return income verification.
Ground-up & development
Conventional, SBA, and private construction financing with staged funding draws.
Not sure which program fits?
Run the free USIG capital assessment.
Four minutes. No credit pull. Our advisory engine scores your ownership, refinance, SBA 504, and expansion pathways — and recommends the strongest one, with a personalized report.
How it works
A simple, honest loan process.
Tell us the deal
Quote form or assessment — property, purpose, timeline.
Advisory review
We research before we call, then map the programs that actually fit.
Structure & terms
Side-by-side options with rates, costs, and cash-flow impact.
Close & beyond
Guided through underwriting to funding — then we stay your advisory team.
Service areas
California-focused. Community-rooted.
Commercial financing advisory across California, with deep roots in Orange County's business community.
FAQ
Straight answers.
What is an SBA 504 loan?
Government-backed financing for owner-occupied commercial real estate: typically 50% bank + 40% CDC + as little as 10% down, with long-term fixed rates on the CDC portion and projects up to $20 million.
How much down payment do I need to buy my building?
With SBA 504, established businesses can purchase with as little as 10% down. Conventional commercial loans typically require 25–30%.
My bank declined me — do I have options?
Often, yes. Many declines are about program fit, not the borrower. We advise across SBA, conventional, bridge, DSCR, and private capital to find the structure that fits your transaction.
Có tư vấn bằng tiếng Việt không?
Có — mọi dịch vụ đều được cung cấp hoàn toàn bằng tiếng Việt, tiếng Anh, hoặc song ngữ, từ cuộc gọi đầu tiên đến khi hoàn tất hồ sơ.
How fast can a loan close?
Bridge and private money can close in 1–3 weeks. SBA 504 typically runs 60–90 days depending on documentation readiness and the property.
Ready when you are.
Start with a quote, an assessment, or a 20-minute call — whichever feels right.
Get my quote Get a rate estimate