Bay Area Capital Funding, Inc.  (650) 631-1800  toll free (877) 739-7175

Bay Area Capital Funding Inc is a mortgage brokerage located in Northern California. We specialize in commercial loans in California and even around the entire United States. We also specialize in hard money and private money loans in the San Francisco Bay Area. We can provide construction money in certain circumstances, for both residential and commercial projects. We prefer construction projects in California.

Our residential site can be found elsewhere at www.bayareacf.net. While BACF Inc is both a residential and a commercial mortgage broker, we do not offer residential products (other than construction loans) on this website. 

We represent over 300 different construction and commercial lenders, and this allows us to shop for the best mortgage rates and programs for our clients. Regardless of what you seek, we have the resources, service, skills, relationships, and tools needed to complete your transaction quickly and with the best possible rates and terms available in the US marketplace.

Commercial and Commercial Construction Lending:

We support commercial loans and commercial construction projects in all 50 states, and construction projects all over the world. We have many programs available for apartments, retail centers, office buildings, industrial and special use properties. We have many sources for commercial bridge loan money and commercial construction projects such as subdivision, urban infill, condo conversion, rehab, hotel and motel, and industrial projects as well.

Our sources for commercial construction projects include banks, regional lending institutions, hedge funds, and leveraged trading platforms. We will consider projects in any reasonable location world wide. Commercial loan requests should support a DSCR of at least 1.25. Construction projects should be well-capitalized with a strong equity or collateral position, and be able to provide full financial documentation. All projects should be able to demonstrate a viable exit plan.

We are an experienced provder of all SBA loan products.

Residential Construction Lending:

We still offer residential construction financing, but this is mostly limited to metro areas of California at this time. We have a select few banks that still have an appetite for both spec and owner occupied construction. Clients need to have very strong income and assets, good equity or collateral positions, and be able to provide full financial documentation. Rates are attractive, and fees are low.

We also have some alternative lenders that will consider residential construction. Generally they are less demanding but will therefore be more expensive. These sources include private investors, hedge funds, and niche lenders.

Rehab projects are handled much the same as construction, with the exception that we have a few lenders that offer special "fix and flip" programs for residential rehab and commercial rehab.

Here is a summary of our particular strengths at BACF Inc.:

1) Residential construction
2) Commercial Construction
3) Commercial lending programs
4) Commercial rehab
5) Commercial SBA loans
6) Hard Money Loans
7) Residental rehab
8) SBA business 7A loans
9) Bridge Loans
10) Private money loans

Summary:

Success in meeting your current financing requirements has never been more challenging than it is today. It has never been so critical to find and utilize the services of mortgage professionals committed to accuracy and reliability. We take great care in providing a high level of service for our clients. We always try to answer our own phones in an effort to be available to you.

We go to great effort to minimize paperwork requirements. We are fully automated, and take extrordinary steps to protect your privacy and manage your information in a secure environment. Please navigate our website to learn more about us, what we can do for you, and how easy it is to get started.

Call us now at  650-631-1800 .