Commercial lending · nationwide

Commercial loans, brokered by a real human.

Name: North Bay Capital
Address: 1000 Clark Street, Santa Rosa, CA, 95404, US
Telephone: 707-595-5393
Price range: $$

Multifamily, office, retail, industrial, warehouse, and SBA financing for owner-users and investors — shopped across many lenders to fit the deal, not the other way around.

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Programs

Pick your property type.

Multifamily Loans

Buildings with five or more units are financed as commercial multifamily, and loans are sized mainly on the property's net operating income through a debt-service coverage test rather than your personal income alone. North Bay Capital is a brokerage that compares Fannie Mae and Freddie Mac agency programs, bank and portfolio loans, bridge financing, and construction-to-perm options so investors get the right fit for a purchase, refinance, cash-out, value-add, or ground-up project.

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Office Loans

North Bay Capital arranges office building loans for both owner-users (often SBA 504 or 7(a) eligible) and investors (bank, CMBS, or DSCR). We match the deal to the right lender based on occupancy, tenant credit, lease terms, and building class, and we are honest about today's conservative office underwriting.

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Retail Loans

North Bay Capital arranges retail property loans for investors, owner-users, and 1031 buyers across strip centers, single-tenant net lease (STNL), multi-tenant retail, and mixed-use. As a brokerage, we match each deal to the right lender and structure it around tenant credit, lease terms, LTV, and DSCR.

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Industrial Loans

North Bay Capital arranges financing for industrial real estate, from manufacturing and flex space to R&D and light industrial. We match owner-users with low-down, long-fixed SBA 504 financing and place investor deals with conventional and DSCR lenders.

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Warehouse Loans

North Bay Capital arranges financing for warehouse, distribution, last-mile, fulfillment, and cold-storage properties. Owner-occupants often fit SBA 504 (about 10% down); investors use bank, DSCR, and agency loans underwritten on the lease and the property's cash flow.

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SBA 504 Loans

The SBA 504 loan is built for small businesses that want to own the building they operate in. It pairs a bank first mortgage, a fixed-rate SBA-backed second through a Certified Development Company, and a low borrower down payment — usually 10% — into one financing structure for purchase, construction, renovation, or long-life equipment.

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SBA 7(a) Loans

The SBA 7(a) is the federal government's most flexible small-business loan, covering up to $5 million for business acquisition, owner-occupied real estate, partner buyouts, working capital, equipment, and debt refinance. North Bay Capital shops the deal across SBA-preferred lenders to match your use of funds with the right structure and rate.

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