top of page
Sketchy City

Loan Programs – Private Commercial Real Estate Financing

​At Urban Bay Financial, we provide flexible, fast, and reliable financing solutions for commercial real estate projects. As a private lender, we offer loans up to $100 million to support your investment goals. Our tailored loan programs are designed to meet the unique needs of developers, investors, and property owners.

​

Our Loan Programs

​

 

1. Acquisition Loans

Fuel your next property purchase with our acquisition financing.

  • Loan Amounts: $1M – $100M

  • Property Types: Office, retail, industrial, multifamily, hospitality, and more

  • Terms: 6 months to 5 years

  • LTV: Up to 75%

  • Features: Quick approvals, flexible underwriting, interest-only options

​

2. Bridge Loans

Close the gap between purchase and stabilization or refinancing.

  • Loan Amounts: $1M – $100M

  • Property Types: All commercial properties

  • Terms: 6 months to 3 years

  • LTV: Up to 80%

  • Features: Fast closings (as quick as 7-10 days), no prepayment penalties

​

3. Construction & Development Loans

Build or redevelop with confidence using our construction financing.

  • Loan Amounts: $5M – $100M

  • Property Types: Ground-up construction, major renovations

  • Terms: 12 months to 3 years

  • LTV: Up to 70%

  • Features: Draw schedules, experienced construction oversight, competitive rates

​

4. Value-Add & Repositioning Loans

Transform underperforming assets into high-value properties.

  • Loan Amounts: $2M – $100M

  • Property Types: Multifamily, office, retail, mixed-use

  • Terms: 1 to 5 years

  • LTV: Up to 75%

  • Features: Funds for renovations, flexible terms, interest reserves available

​

5. Permanent Financing

​

Secure long-term financing for stabilized properties.

  • Loan Amounts: $5M – $100M

  • Property Types: All income-producing properties

  • Terms: 5 to 10 years

  • LTV: Up to 70%

  • Features: Fixed or floating rates, amortizing or interest-only payments

​

Why Choose Urban Bay Financial?

​

  • Speed: Close deals in days, not months.

  • Flexibility: Customized terms to fit your project.

  • Expertise: Decades of experience in commercial real estate lending.

  • Scale: Loans from $1M to $100M for projects of any size.

  • Transparency: Clear terms, no hidden fees.

​

Eligible Property Types

  • Multifamily

  • Office

  • Retail

  • Industrial

  • Hospitality

  • Mixed-Use

  • Special Purpose

​

Get Started Today

 

Ready to finance your commercial real estate project? Our team is here to help you secure the funding you need. Contact us or apply online to get a quote in 24 hours.

bottom of page