U.S. Small Business

  • Heartbeat of the American Economy

Mission Statement

Spectrum Commercial Lending understands the importance of every transaction and continuously strives to provide the best possible commercial mortgage financing solution for each borrower’s situation.

  • Small Business Administration 7a and 504 Loans – Owner Occupied
  • "The lifeblood of job creation in America is small business." – Howard Schultz
  • Cal Cap Loans – Owner Occupied
  • "There is no greater country on Earth for entrepreneurship than America." – Eric Ries
  • Conventional – Owner Occupied / Investments
  • "Behind every small business there’s a story worth knowing." – Paul Ryan
  • "Small business is the backbone of our economy. I’m for big business, too. But small business is where the jobs are created." – Michele Bachmann

FINANCING THAT WORKS FOR YOU

Spectrum Commercial Lending arranges the right type of financing for your project. Whatever your use type, whether that be an industrial building occupant, a hotelier, or medical / dental, etc., Spectrum Commercial Lending will educate you on the options available to you in today’s eclectic lending environment.

SBA 7a Financing
    • Loans for the purchase, construction, tenant improvements, equipment and refinance of commercial mortgages
  • • As little as 10% down payment on purchases and up to 80% loan to value financing on all other types of projects
  • • Projects sizes up to $5 million
  • • 25 year fully amortizing loans
  • • Variable interest rate
  • • Must meet SBA eligible lending criteria

SBA 504 Financing
  • • Financing for the purchase and possible refinance of commercial mortgages
  • • Projects sizes up to $10 million
  • • As little as 10% down payment (up to 90% combined loan to value financing)
  • • 25 year fully amortizing loans
  • • Fixed and variable interest rate options
  • • Must meet SBA eligible lending criteria
Conventional – Owner Occupied
  • • Financing for purchase, tenant improvements and refinance of commercial mortgage
  • • Loan amounts up to $5 million
  • • Up to 75% loan to value financing
  • • Up to 25 year fully amortizing loans
  • • Fixed and variable rate options
  • • Competitive interest rates
Investment Financing
  • • Loans for purchase, tenant improvements and refinance of commercial mortgages
  • • Up to 75% loan to value financing
  • • Project sizes up to $15 million
  • • 25 year amortizations
  • • Fixed and variable rate options


Successful Transactions

team-member
EMS Manufacturing – Jenny O.

"They provided us step by step guidance through the SBA 504 program to acquire our first owner occupied industrial building. They took time to educate us through the process, and made us feel comfortable with consistent updates. Very pleased."

team-member
Delamar Doors – Dave B.

"Where others couldn’t find a solution, Spectrum structured our financing in a way that not only made sense for the bank, but made sense for the company."

team-member
Prima Imports – Manni S.

"With companies located both in India and the United States, it was great to find a partnership that understood the reciprocal agreements between both entities and present us financing options through the SBA program."

team-member
DBI Logistics – Durk J.

"They helped educated both myself and my wife through the entire process which at first can be daunting. The education process was really what helped us feel comfortable we were with the right team. Closing was on time and painless. Couldn’t be more happy with our long term goal to own our own Real Estate for the company."

Our Management Team

Dean
Haidl
James
Christiansen
Mike
Muetzel

Contact Spectrum Commercial Lending

  • If you are interested in learning more about commercial real estate financing and the options available to you, and your company, please contact a Spectrum Commercial Lending representative right away.

  • T: (866) 999 - 3529 • F: (714) 841 - 5266

  • Corporate Headquarters: 2302 Martin, Suite 175, Irvine, CA 92612

  • Licensed under the California Department of Business Oversight
  • License Number: 603-E260
  • www.dbo.ca.gov