Business Details
38 Years
experience
Trusted Commercial Real Estate Loans in California
Mortgage Co Of Santa Barbara has been originating commercial real estate loans in California for over 30 years. We specialize in providing efficient financing solutions when conventional bank options are unavailable or time-sensitive funding is required. Our streamlined approval process, supported by a small and agile loan committee, enables rapid decision-making and faster funding compared to traditional lenders. With expertise in loans ranging from $1 million to $15 million, we offer flexible terms up to three years, including interest-only options, bridge financing, and cash-out refinancing. Our leadership team combines decades of experience in commercial real estate development, private equity syndication, and direct lending, ensuring deep industry knowledge and tailored solutions for borrowers.We prioritize transparency, with no prepayment penalties after six months and adaptable financing structures for vacant properties, senior living facilities, solar energy projects, and more. Our commitment to client success is reflected in our track record of funding diverse commercial assets across California, from hotels and office buildings to cannabis warehouses and car washes.
Services
Commercial Real Estate Loans
Bridge Financing
Cash-Out Refinancing
Private Lending
Fast Approval Process
Details
- Year established: 1988
Highlights and features
- We offer over 30 years of experience in commercial real estate lending.
- Our agile loan committee enables fast approval and funding.
- We specialize in loans from $1M to $15M with flexible terms.
- We provide financing when conventional banks cannot.
- Our team includes experts with decades of industry experience.
Services
Commercial Real Estate Loans
We provide tailored commercial real estate loans for California properties. Our solutions cater to borrowers needing alternative financing when traditional banks cannot deliver. Loans range from $1 million to $15 million with flexible terms up to three years, supporting diverse asset classes including hotels, office buildings, and industrial properties.
Bridge Financing
Our bridge financing solutions address urgent capital needs for commercial property acquisitions or refinancing. With rapid approval cycles and loan-to-value ratios up to 65%, we help borrowers secure funding within tight deadlines. Recent projects include hotel renovations, solar energy developments, and cannabis industry facilities across California.
Cash-Out Refinancing
We offer cash-out refinancing options for commercial property owners seeking to leverage equity. This service supports property upgrades, debt consolidation, or new investments. Loan amounts up to $15 million are available with interest-only payment structures, ensuring liquidity for business growth and operational needs.
Private Lending
As a direct private lender, we eliminate intermediaries to deliver faster decisions and customized terms. Our expertise spans multi-family communities, senior living facilities, and specialty commercial properties. Borrowers benefit from our in-house underwriting process and deep understanding of California's real estate market dynamics.
Fast Approval Process
Our streamlined approval process ensures rapid funding for time-sensitive transactions. By maintaining a small, experienced loan committee, we achieve faster due diligence and underwriting. Most loans close within weeks rather than months, providing critical advantages in competitive real estate markets across California.
People
Andrew Fuller
Principal
Andrew Fuller has over 35 years of experience in California commercial real estate as a developer, operator, and direct lender. He holds a Master's in Business Administration from USC and maintains professional licenses including CFA, California Real Estate Broker, and General Building Contractor.
Arick Fuller
Principal
Arick Fuller joined in 2019 after facilitating over $200 million in commercial real estate transactions and $800 million in residential financing. He previously managed construction projects for family development ventures, completing 113 apartment units from concept to delivery.
Questions
What types of commercial loans do you offer?
We provide short-term bridge loans, cash-out refinancing, interest-only loans, and direct private lending for commercial properties across California.
What loan amounts are available?
Loan amounts range from $1 million to $15 million with flexible terms tailored to each borrower's specific needs and property type.
How quickly can you fund a loan?
Our streamlined approval process typically closes loans faster than traditional lenders, with many transactions funded within weeks of application.
Do you require certified appraisals?
Certified appraisals are not required for all properties, reducing time and costs for borrowers while maintaining rigorous underwriting standards.
Can I get financing for vacant properties?
We consider vacant commercial properties on a case-by-case basis, recognizing unique opportunities in underutilized assets across California.
What areas do you service?
We provide commercial mortgage solutions throughout California, from San Diego to Sacramento and all major markets in between.
