Wilshire Quinn is a commercial hard money lender financing commercial real estate and residential investment properties up to $20,000,000. As a direct commercial hard money lender, we provide pre-approvals in 24 to 48 hours and fund loans in five to seven days.
Finance Your Next Transaction With Wilshire Quinn
- A nationwide direct Lender, not a broker
- Pre-approval in 24 hours
- Typical funding in five to seven days
- Loan amounts up to $20 million
Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange
Get a Quote on a Commercial Loan
Get started by completing the form below and an associate will reach out to get your loan details
Hard Money Lenders (Home) » Commercial Hard Money Lenders
Commercial Loans
Looking to close quickly on a commercial loan?
Wilshire Quinn finances commercial loans nationwide up to $20 million. As a commercial hard money lender, we are able to underwrite your project fast and get a pre-approval letter within about 24 hours and fund the deal within about 5-7 days. Wilshire Quinn realizes the complexities of financing commercial projects. Our successful track record is closely linked to our ability to make immediate lending decisions based on our highly disciplined underwriting approach. The emphasis on in-house loan origination allows our borrowers to move forward with confidence in our commercial loan program.
Lending Parameters
| CLOSING TIME | Typically 5 to 7 days |
| LOAN SIZE | $500,000 – $20,000,000 |
| LTV | Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 80% of the purchase price |
| LIEN POSITION | First Trust Deeds Only |
| LOAN TERM | 6-18 months |
| INTEREST RATES | 9% – 12% |
| AMORTIZATION | Interest-only payments |
| ORIGINATION FEES | 1 to 5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term |
| LENDING AREAS | Nationwide, primarily in metropolitan and coastal areas |
Commercial Property Types
What We Lend On
Mixed Use
Retail
Office
Industrial
Give us a call: 619-872-6000
Fund loans quickly with Wilshire Quinn
Submit a Loan
Recently Funded Commercial Loans
SANTA CLARITA, CA Loan Amount: $800,000 Loan Type: Refinance Property Type: Single-Family Loan-To-Value: 33% Term: 12 Months FILLMORE, CA Loan Amount: $2,750,000 Loan Type: Refinance Property Type: Assisted Living Loan-To-Value: 39% Term: 12 Months Loan-To-Value: 29% MODESTO, CA Loan Amount: $2,000,000 Loan Type: Refinance Property Type: Industrial Term: 12 Months Loan Amount: $16,500,000 SAN DIEGO, CA Loan Type: Refinance Property Type: Multi-Family Loan-To-Value: 59% Term: 12 Months Loan-To-Value: 29% Loan Amount: $12,550,000Here’s What Our Borrowers Are Saying
A Proven Commercial Hard Money Lender, Lending Nationwide
review us on
Wishire Quinn was essential to closing a deal for my client. Matt Mielke and his team performed seamlessly and I would happily do business with them again.Ryan Rodriguez, EVP, Colliers International
Great experience with Jermey and Matt. They offer competitive terms and work efficiently. They are trustworthy which is always important to brokers.
I've been a mortgage broker for over 25 years. The team at Wilshire Quinn is a pleasure to work with. They are efficient, friendly and easy to work with. I highly recommend them!
I recently closed the financing of a building in Los Angeles with Wilshire Quinn...in 7 days!!! Mat and Jeremy and the team of professionals there were great to work with.You folks will always be my first call for future business...Thanks!!
I worked with many different individuals at Wilshire Quinn Capital, every single person I worked with was on point and up to speed with everything I needed.I have zero complaints about these Gentlemen, our company will continue to do business with them.I appreciate all the help from Matt Mielke, Jeremy Hammer, Chris Garcia and Randy Miller! You guys were tremendous!
Working with Wilshire Quinn was an absolute pleasure from to start to finish. Working as a broker for a client with a vacant building Matt, Chris, and Jeremy were quick to answer all questions, clear in the items they needed and were able to work with us to see a successful completion of the deal. I can’t sing their praises highly enough for the ease at which everything went on what was a tricky deal, and I’m very much looking forward to working with them again in the future. If you’re hesitant for any reason, don’t worry. Wilshire Quinn is a top-notch group filled professional, courteous, and great people.
I run a real estate development company focused on multifamily projects. We have used Wilshire Quinn for bridge lending three times now. They are always a pleasure to work with, and can close quickly. The certainty of execution with Wilshire Quinn allows us to move quickly when a great opportunity arises.
We just had a great experience working with Wilshire Quinn on a recent transaction. Our team, led by Matt, was professional, communicative, transparent, and fast -- they funded our loan in 5 days, exactly what we needed. They offered very competitive terms, and excellent customer service throughout the process. Highly recommended!
I highly recommend Wilshire Quinn for your bridge loan. They are very trustworthy, creative and deliver on time. In addition they focus not just on the loan but the borrower’s overall needs. My client had a construction rehab loan that was due and he needed not only a new loan but a sale since his global cash flow had been compromised by an ex-partner. Chris Garcia brought in a buyer who was a contractor and provided the loan to close within a two week period. Thank you Chris and Wilshire Quinn.Nick Ames of San Francisco
What a wonderful experience working with Wilshire Quinn Capital! We needed a short-term bridge loan to purchase a new home before our prior home was ready to go on the market. It was quick and painless and the loan was funded in ample before we closed in line with what was promised. I would highly recommend this company to others and would not hesitate to use them again should the need arise. Thank you Wilshire Quinn Capital!!!!!
Wilshire Quinn is a excellent, fast-closing real estate lender that provides reliable and professional service. They funded our loan submission very quickly and we look forward to doing a lot more business with them.
Wilshire Quinn Capital, Inc is a great equity money lender to work with and funded my loan quickly. I highly recommend them if you need investment or working capital fast
It was a pleasure to work with Wilshire Quinn Capital, Inc. They are highly professional, knowledgeable, responsive and quick to return calls. I was most impressed with the turnaround and how quickly and conveniently the escrow check was disbursed. This is my second time working with Wilshire Quinn on mortgage financing and have never been disappointed. I will recommend Wilshire Quinn to every person I know who is in need of financing.
The Wilshire Quinn team facilitated a $475,000 Bridge loan for one of my clients that needed to close quickly. The subject property was a mixed-use building in Hollister, California. I worked with Daniel Goldberg and he really helped with the process. Very quick to respond and get the loan closed. The underwriting and closing process was straightforward and efficient. I would strongly recommend Wilshire Quinn as one of the premier California hard money lenders.
The Wilshire Quinn team assisted my client with a $5 million dollar Bridge loan in California that needed to close quickly. The paperwork, processing and closing process was clear, concise, and fast. Rates and terms were appropriate. Bumps in the road were dealt with in a prompt, flexible, and friendly manner. I strongly vouch for Wilshire Quinn as a California hard money lender.
Commercial Hard Money Lenders
Ready to Finance a commercial project?
At Wilshire Quinn we control the lending process and can provide fast answers and quick closings for commercial hard money loans. We are a commercial hard money lenders which means we can fund commercial loans fast. We lend private money loans for commercial projects nationwide up to $20M with funding available in about 5-7 days.
Submit Loan Request
Submit a loan application
Partner with a direct lender you can trust.
Get Started
FAQs – Commercial Hard Money Loans
What is a hard money loan?
A hard money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Hard money lenders like Wilshire Quinn are mainly focused on the equity in the property as opposed to borrower credit and financials. Hard money loans are typically short-term ranging from six months up to two years.
What if my credit score is low?
Hard money lenders like Wilshire Quinn primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered, but is not a primary determinant in the underwriting process.
How long does the loan process take?
After receiving a signed term sheet, Wilshire Quinn typically funds a loan in five to seven business days.
What type of properties do you lend on?
Wilshire Quinn will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.
What types of loans does Wilshire Quinn originate?
We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.
How do I submit a loan request?
You can either complete our online loan application, email or call us. We would prefer to talk through your loan scenario directly, as we can determine in a matter of minutes, once we have a few simple questions answered, if we have interest.
What is the cost of a hard money loan?
Our interest rates typically range from 9% to 12%, interest-only. Lender origination points typically range from 1% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).
Where does Wilshire Quinn lend?
Most of our portfolio is in California but we do have the ability to lend nationwide. We strongly prefer to lend in major-metropolitan areas.
