Let Us Help You Start Your Next Chapter Now!

We work with the small, medium, and large-sized businesses and real estate investors who are building, expanding, or looking to purchase commercial real estate property.   

Let us help you start your next chapter with our commercial loan programs


7a and 504 Commercial Real Estate Up to 90% financing Fixed or variable rate options. Multiple uses of proceeds in single loan structure Up to a 25-year term on most commercial real estate loans. Financing including fees and closing cost.

Stated Income

Commercial real estate programs that do not require personal or business tax returns. Stated income commercial loans are an option to conventional commercial loans for borrowers who are looking to buy or refinance commercial property.  Stated income loans require less documentation and it is much easier to qualify.


Commercial Mortgage Back Securities offers fixed rate commercial loans to eligible office, retail, industrial, multifamily, and hotel properties nationwide. Stabilized properties MSA’s within the USA and Canada Minimum loan amount $1,5MM

B&I Loans

Provides loans that help create jobs and stimulate the rural economies by providing loan guarantees under the USDA loan program.  The program provides guarantees of up to 90% and loan proceeds may be used for equipment, buildings and working capital in conjunction with the real estate purchase.

Freddie Mac

Provides non-recourse loans for multifamily, senior housing, student housing and low income housing properties with competitive pricing for purchase, rehabilitation or refinance of apartment units.  $1min loan amount and up to 30-year amortization.

Fannie Mae

Is one the largest source of multifamily loans that includes high rise, manufactured housing, cooperative, senior housingstudent housing. $1mil minimum loan amount and up to 30-year amortization.


Provides competitive financing for affordable multifamily rental housing for low income, elderly or disabled individuals and families in eligible rural areas.

Small Balance/Conventional

Conventional loans are mortgages offered to small business owners and real estate investors by credit unions, banks, savings institutions and other community institutions and that are secured by a first lien position Up to 25year amortization Minimum loan amount $150k Personal guarantee


We offer construction loans for multifamily, commercial, hospitality, retail, special purpose facilities.First lien position only Interest only payments available SBA Construction loans available

International Lending

We can arrange International Commercial Mortgage in Canada, Europe and few Eastern Europe Nations. Los Gatos Lending is ready to help you through the application and loan process. Let us help you make you build you commercial real estate empire here and abroad.


FHA/HUD insures multifamily loan programs for construction, rehabilitation, acquisition and refinancing of apartments.$1mil loan amount with no maximum and up to 35 years fixed terms.

Insurance Co. Loans

Commercial real estate loans provided by insurance companies and must be secured by first lien position on the property being financed.  Ideal loan for strong borrowers, good credit and core properties in primary markets.