Commercial Cash-Out Refinance Loans in California

Accessing Equity in Commercial Real Estate Through a Cash-Out Refinance

A cash-out refinance on a commercial property replaces an existing loan with a larger one, with the difference paid to the borrower at closing. For property owners who have built equity over time, a cash-out refinance is one of the most efficient ways to redeploy that capital without selling the asset. The proceeds can be used for virtually any business purpose: capital improvements, a new acquisition, a partner buyout, or working capital.

Rubicon Mortgage Fund, LLC provides cash-out refinance loans up to 65% of the current market value of the property. We are a direct private money lender based in Lafayette in the San Francisco Bay Area, serving commercial real estate owners throughout Northern California, the Bay Area, Sacramento, Los Angeles, Orange County, San Diego, and statewide since 2008.

How Rubicon Structures Cash-Out Refinances

Each cash-out refinance is structured around the current value of the property and the amount of equity available within our 65% LTV limit. Rubicon physically inspects every property before committing to a loan. We review the existing debt, the property's condition and income characteristics, and the borrower's intended use of the proceeds. No personal credit check, tax returns, or income documentation is required.

Loan terms are tailored to the borrower's exit strategy, whether that is a sale, a conventional refinance once the property stabilizes, or a longer hold with a renewed private money facility.

Common Uses for Cash-Out Proceeds

• Capital improvements or renovations to increase property value or occupancy
• Down payment or full acquisition of an additional investment property
• Tenant improvement allowances to attract or retain commercial tenants
• Working capital for an operating business
• Partner or co-owner buyout
• Payoff of junior liens or other obligations

Lending Criteria

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

Get Started

Contact Rubicon Mortgage Fund, LLC with your property address, approximate current value, existing loan balance, and intended use of proceeds. We serve commercial property owners throughout California including the Bay Area, Northern California, Sacramento, Los Angeles, Orange County, and San Diego. We typically provide an initial response and preliminary terms within 24 hours of inquiry.