Prime Commercial Finance

As a Non-Bank Lender with many years of experience, PCF can provide various Commercial Real Estate Financing options to meet your specific needs throughout United States.
Our services are especially valuable for clients who are faced with tight borrowing restrictions at their current bank.

SBA 504 Financing

SBA 504 loans provide long-term, fixed-rate financing to acquire commercial real estate or equipment for expansion and modernization.

  • Purchasing or refinancing owner occupied commercial building
  • Purchasing Heavy Equipment
  • Projects sizes up to $16 million
  • As little as 10% down payment (up to 90% combined loan to value financing
  • 25 year fully amortizing loans
  • Fixed interest rate
  • Must meet SBA eligible lending criteria

CMBS (Commercial Mortgage Backed Security)

Program Highlights:

  • Purchasing or refinancing most commercial building or investment properties in United States
  • Loan amounts from $15 million up to $1 billion
  • Up to 75% loan to value financing
  • 10 / 30 yrs amortization schedule
  • 2 – 3 year fixed interest only on deals less than 65% LTB
  • 10 years fixed rate starts at 4.85%
  • Property types : Multi-purpose properties, Light Industrial, Manufacturing, medical building, Office Building, shopping center, Flagged Hotel, Assisted Living Facilities
  • No Personal Guaranty required

Commercial Real Estate Financing

We offer individualized attention to our clients and consistently develop strong, trusting relationships.

  • Purchasing or refinancing owner occupied commercial building or investment properties
  • Loan amounts up to $8 million
  • Up to 75% loan to value financing
  • Up to 25 year fully amortizing loans
  • Fixed interest rate
  • Competitive interest rates

SBA 504 Debenture Interim Financing

PCL provides 504 Interim Financing to California based banks and CDCs. PCL promises 48 hours decision making and 3 days loan document preparation.

  • Type of loan: Standard debenture or Minor TI involved debenture
  • Term: 90 days to 180 days
  • Property type: Multi-purpose properties, Light Industrial, Light Manufacturer Office Building, Sole Standing Retail Store
  • Target Area: California