Commercial Real Estate Acquisition Loans in California

Commercial Real Estate Acquisition Financing in California

Acquiring commercial real estate often requires financing that can move with the pace of the transaction. For investors and developers who need to close on a specific property within a defined window, private money acquisition financing is structured around the asset and the timeline of the deal rather than the borrower's financial profile — providing speed and certainty of execution when it matters most.

Rubicon Mortgage Fund, LLC provides short-term acquisition loans for commercial real estate across California, with a focus on the San Francisco Bay Area, Northern California, Sacramento, the East Bay, Los Angeles, and San Diego. We are an asset-based lender: approval is determined by the value and quality of the property, not personal credit scores or tax returns.

What We Look For

Rubicon evaluates acquisition loans on the strength of the collateral, the purchase price relative to market value, the property's income potential or repositioning opportunity, and the borrower's exit strategy. We physically inspect every property we lend on. Loans are available to individuals, LLCs, corporations, trusts, and partnerships. No personal credit check is required.

We are comfortable with transitional properties, value-add acquisitions, and situations where conventional financing is unavailable due to property condition, ownership structure, or timeline constraints.

Lending Criteria

• Loan amounts from $500,000 to $15,000,000
• Up to 65% loan-to-value (LTV)
• First position only
• Statewide California coverage
• All commercial property types
• No credit check required
• Loan terms from 6 months to 24 months
• Cross-collateralization available to increase loan amounts

Common Acquisition Scenarios

Rubicon Mortgage Fund, LLC regularly finances acquisitions where timing, property type, or ownership structure calls for a flexible, asset-based approach. Common scenarios include time-sensitive purchases with a defined closing window, properties in transition that do not yet qualify for permanent financing, 1031 exchange acquisitions with tight identification deadlines, and deals involving complex entity structures such as trusts or multi-member LLCs.

Get Started

Contact Rubicon Mortgage Fund, LLC with your property address, purchase price, and loan amount needed. We serve commercial real estate investors throughout California including the Bay Area, Northern California, Sacramento, Los Angeles, and San Diego. We typically provide an initial response and preliminary terms within 24 hours of inquiry.