Commercial Real Estate Refinance Loans in California

Private Money Refinancing for Commercial Real Estate in California

A commercial real estate refinance replaces an existing loan with new financing. While the mechanics are straightforward, the reasons borrowers seek private money refinancing are often more nuanced: a loan is maturing and the property is not yet ready for permanent financing, a recent credit event calls for a short-term solution, or the ownership structure requires a more flexible underwriting approach. In these situations, an asset-based bridge refinance provides flexibility and certainty of execution.

Rubicon Mortgage Fund, LLC has been providing private money refinance loans for commercial real estate across California since 2008. We are based in Lafayette in the San Francisco Bay Area and actively fund refinances throughout Northern California, Sacramento, Los Angeles, San Diego, and statewide.

When a Private Money Refinance Makes Sense

• Existing loan is maturing and permanent financing is not yet available
• Property is in a transitional phase and does not stabilize for conventional underwriting
• Ownership held in trust, LLC, or partnership creates conventional lending friction
• A recent credit event calls for a short-term, asset-based solution
• A defined exit strategy makes short-term bridge financing the right structure
• Certainty of execution is the priority

How Rubicon Evaluates Refinance Requests

Rubicon Mortgage Fund reviews every refinance request on the basis of the property's current value, the existing debt position, the physical condition of the asset, and the borrower's plan for the loan proceeds and exit. We conduct a physical inspection of every property. No personal credit check, tax returns, or income statements are required. We lend to individuals, LLCs, corporations, trusts, and partnerships.

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
• Loan terms from 6 months to 24 months
• No credit check required

Get Started

Contact Rubicon Mortgage Fund, LLC with your property address, current loan balance, maturity date, and refinance objective. We serve commercial property owners 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.