Financing arranged by Kiri Suykry, Loan Factory · NMLS #1976188 · Company NMLS #320841 · Equal Housing Lender
CommercialRefiNowCommercial & Business Loans (949) 245-9313
Commercial refinance · California & beyond

Refinance your commercial property — and put the numbers back in your favor.

Lower the payment. Pull out equity to grow. Pay off a balloon or a construction loan before it comes due. One conversation, 240+ capital sources shopped for you — by a real person who invests in real estate too.

Get my refinance options → See loan programs
No obligation, no cost to explore Business-purpose & investment property English & Khmer
240+
Capital sources shopped
7
Refinance loan types
10+
Property classes financed
20+ yrs
Real estate & lending
Is it time?

Four moments when a commercial refinance pays off

Every property and owner is different — but these are the situations where a new loan usually beats staying put. We drew them out so it's easy to see where you fit.

A balloon is coming due

Your loan matures and the full balance is owed. We refinance it into new long-term financing before the deadline — no fire sale.

Your rate or payment jumped

An adjustable or short-term note reset higher. We shop the market to lower the payment or lock a term that fits your hold.

You want to pull out equity

Cash-out refinance to buy the next property, renovate, buy out a partner, or shore up working capital — on business terms.

Bridge or construction payoff

Coming off a bridge or a finished construction loan? We move you into stable permanent financing — the "take-out" loan.

A loan officer and a commercial property investor shaking hands across a desk after closing a refinance
A real person, not a portal

You'll actually talk to the person doing your deal.

Commercial refinancing isn't a rate table — it's cash flow, leases, timing, and the right lender for your specific building. You get one point of contact who structures the file, shops it, and stays on it through funding.

  • Straight answers on what your property qualifies for
  • One file, shopped to the lenders most likely to say yes
  • No cost and no obligation to see your numbers
Refinance programs

Ways to refinance your commercial property

The right structure depends on your property, its cash flow, your goal and the market. Here's the toolkit — we match you to the best fit and shop it.

Permanent

Conventional / permanent refi

Long-term financing for stabilized properties — investment or owner-occupied — to lower the payment or lock a term.

  • Best forStabilized income property
  • TermFixed & hybrid options
  • GoalLower payment / stability
Government-backed

SBA 7(a) & 504 refi

For owner-occupied business real estate — refinance eligible debt with long amortization and competitive structure.

  • Best forOwner-occupied ≥51%
  • TermLong amortization
  • GoalLow payment / cash-out*
Short-term

Bridge refinance

Interest-only breathing room while you stabilize, reposition, or line up permanent financing. Fast and flexible.

  • Best forTransition / value-add
  • TermTypically 12–24 mo
  • GoalTime to reposition
Multifamily

DSCR multifamily refi

Qualify on the property's cash flow, not your tax returns. Built for apartment and multifamily investors.

  • Best for5+ unit multifamily
  • Qualify onProperty cash flow
  • GoalRate/term or cash-out
Take-out

Construction payoff

Roll a completed construction loan into permanent financing before it matures — the classic take-out refinance.

  • Best forJust-finished projects
  • TermPermanent, amortizing
  • GoalExit the construction note
Flexible

Cash-out, private & 2nd

Private-money and second-mortgage options when speed, story, or leverage matters more than the lowest rate.

  • Best forSpeed / unique files
  • Structure1st or 2nd position
  • GoalAccess equity fast

*SBA cash-out and all programs are subject to eligibility and SBA/lender guidelines. Programs shown are illustrative; availability, structure, rates and terms depend on the property, its cash flow, sponsor strength and current market, and are confirmed only in a written quote. Not a commitment to lend.

A loan officer reviewing refinance documents with two business owners at a table
Warm, plain-English guidance

We'll walk your numbers together — no jargon.

Bring your rent roll, your current loan, and your goal. We'll show you what a refinance actually does to your payment and your equity, and whether waiting or moving makes more sense for you. Educational first, sales never.

  • A clear before-and-after on payment and cash flow
  • Honest "wait" advice when refinancing isn't worth it yet
  • Bilingual service in English and Khmer
What we finance

Commercial property across Los Angeles & Southern California

From LA to the Inland Empire and beyond — if it produces income or houses your business, there's likely a refinance for it.

Modern glass commercial office mid-rise with palm trees in Southern California
Office & mid-rise
Modern retail and mixed-use commercial building with palm trees in Southern California
Retail & mixed-use
Modern creative-office and light-industrial commercial building in Los Angeles
Creative office & industrial
Multifamily / apartments Retail / strip centers Office Industrial / warehouse Self-storage Hospitality / hotels Assisted living Mixed-use Gas / auto Land & more
Where the money comes from

240+ capital sources, one file

You don't apply to ten lenders. We build one clean package and take it to the sources most likely to approve and best-price your deal.

Banks Credit unions Correspondent lenders Life insurance companies Portfolio lenders Private & investment funds Non-bank lenders SBA programs State programs
Simple process

How your refinance works

Three steps, one point of contact, zero guesswork.

STEP 1

Share the basics

Tell us the property, the current loan, and your goal. Two minutes on the form or a quick call — no documents yet.

STEP 2

We shop it for you

We structure your file and take it to the capital sources most likely to approve it — then bring back real options to compare.

STEP 3

Close & improve your position

Pick the option that fits, we manage it to funding, and you walk away with a better payment, more cash, or breathing room.

Two commercial real estate investors and their advisor discussing a multifamily building
Deals get done here

Owners refinance to move forward — not just to save a few dollars.

The best refinances free up cash to buy the next building, finish a value-add, or lock stability so you can sleep at night. Tell us where you're headed and we'll build the loan around it.

Start my refinance →
Kiri Suykry, Loan Officer at Loan Factory, NMLS #1976188
Your loan officer

Hi, I'm Kiri Suykry.

I'm a loan officer with Loan Factory with 20+ years in real estate and mortgages — and a real estate investor myself. I focus on commercial and business-purpose refinances: multifamily, retail, office, industrial, self-storage and owner-occupied buildings, across California and beyond. My job is to make the numbers make sense and get your file to the lender that fits it. No pressure, straight talk, and I answer my own phone.

English & Khmer Loan Factory · NMLS #1976188 Company NMLS #320841 Equal Housing Lender
Let's run your numbers

See your commercial refinance options.

Tell me a little about the property and your goal. I'll come back with real options — not a rate sheet — usually within one business day. No cost, no obligation.

NMLS #1976188 Co. NMLS #320841 Equal Housing Lender

Get my refinance options

Two minutes. Business-purpose & commercial property only.

By submitting, you consent to be contacted by Kiri Suykry / Loan Factory about commercial and business-purpose financing at the phone and email above, including by call, text, or email. Message/data rates may apply; reply STOP to opt out. This is not a commitment to lend or an offer of credit; all financing is subject to credit approval, property valuation, underwriting, and program guidelines. Please do not include Social Security numbers or account numbers in this form.