Which commercial properties can be considered?

Depending on the lender and transaction, eligible property types may include retail, office, industrial, warehouse, mixed-use, and other non-owner-occupied commercial real estate. Property eligibility is case by case.

Is commercial hard-money financing based only on property value?

Collateral matters, but a lender may also review property operations, tenants, leases, condition, valuation, borrower experience, credit, reserves, title, insurance, and the exit strategy.

Can a commercial request include a subordinate lien?

A first-position, second-position, or other subordinate lien may be considered case by case. Existing debt, title, consent requirements, valuation, and lender criteria must be reviewed.

Does 1stNMB directly lend on commercial property?

1stNMB is a California mortgage and real-estate financing broker, not a bank or direct lender. Any eligible lending-partner option remains subject to property, lender, state, licensing, and underwriting requirements.

Commercial Hard Money Loans in California

Explore California commercial hard-money financing for non-owner-occupied real estate and learn how property operations, collateral, title, and exit are reviewed.