Murkland Hard Money Lenders provides commercial hard money loans in San Diego for real estate investors purchasing, improving, or refinancing commercial properties.
These short-term loans help borrowers finance eligible transactions while working toward a sale or long-term financing.
Found a commercial property with potential? Facing a purchase deadline or an upcoming loan payoff?
We’ll review your property, funding needs, and repayment plan to explore financing options.
Ready to Get Started?
Share your plans and funding needs with our local lending team.
What Is a Commercial Hard Money Loan?
A commercial hard money loan is short-term financing secured by commercial real estate.
Depending on the approved terms, it can help fund a property purchase, refinance existing debt, or finance eligible improvements.
The lending review considers the property’s value, borrower qualifications, available funds, and repayment strategy.
For income-producing properties, it will include leases, occupancy, operating expenses, and rental income.
For tenant improvements within city limits, review the City of San Diego’s commercial permit requirements when planning your project budget and timeline.
Commercial Hard Money Loan Details
Available financing depends on your property, borrower qualifications, and proposed transaction.
When reviewing your options with our team, we’ll discuss:
- Loan amount: Your requested financing and how the commercial property’s value, existing debt, occupancy, and rental income may affect the amount available.
- Cash contribution: The funds you’ll need for closing, property improvements, and reserves to cover operating expenses or vacancies.
- Rates and fees: Interest, lender fees, and applicable costs for property valuation, inspections, title, escrow, and closing.
- Loan term: The payment schedule and repayment deadline, reviewed alongside your improvement plans, leasing timeline, and planned sale or refinance.
- Use of funds: Whether the loan can support a commercial property purchase, refinance, building repairs, or tenant improvements.
- Closing timeline: The review of leases, income and expense records, property condition, title, and other documents needed to fund your loan.
What to Have Ready
To help us review your request, gather:
- Property details: Where the property is located in San Diego County.
- Business purpose: Confirm the loan proceeds are for business purposes only.
- Funding needed: How much you’re looking to borrow.
- Property value: The purchase price or estimated current value.
- Project details: Your plans for purchasing, renovating, or refinancing
- Timeline: When you need funding and your expected project length.
- Repayment plan: How you expect to repay the loan, such as selling or refinancing the property. For renovation projects, include your estimated improvement budget and the property’s expected value after the work is completed.
Before moving forward, consider the total borrowing cost and how you would handle a delayed sale or refinance. Your repayment timeline should leave room for unexpected setbacks.
Ready To Get Started? Apply Now »
Benefits of Commercial Hard Money Loans
Commercial hard money financing can help address funding needs while you purchase, improve, lease, or refinance a commercial property.
- Pursue time-sensitive commercial purchases: Short-term financing may help you work toward a seller’s closing deadline. Share the purchase agreement, property details, and required closing date so our team can assess the transaction.
- Preserve cash for property operations: Financing part of your investment can leave more funds available for maintenance, insurance, taxes, tenant turnover, and expenses while space is vacant.
- Plan building and tenant improvements: Reviewing eligible improvement costs alongside your purchase or refinance can help clarify the financing and cash needed to prepare commercial space for tenants.
- Work toward long-term financing: A short-term loan may provide time to complete improvements or lease vacant space before seeking permanent financing. Review the future lender’s occupancy, income, and property requirements before borrowing.
Why Choose Murkland Hard Money Lenders?
- Local to San Diego: Work with a local lending team serving investors throughout San Diego County.
- Lending experience since 2017: We help real estate professionals, investors, and developers find financing suited to their property and plans.
- Led by Brian Murkland: Our President and CEO is a California licensed real estate broker with a background in construction, real estate, finance, and legal operations.
- Work directly with our team: Discuss your property, funding needs, and timeline with the team reviewing your loan.
- Clear communication: Get straightforward answers about loan terms, required information, and what happens next.
What Our San Diego Borrowers Say
Read client reviews about their experience with our services, from the initial financing inquiry through the lending process.
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Hi, I apply for a Bridge loan with Murk investment It was really easy. I did have a few questions I spoke with Mr. Brian, which he was really professional really helpful. I feel that I was in good hands This company has been helping people for more than 10 years in San Diego County trustworthy in the truly they care to help you. I will highly recommend it If you ever need it fix and... read more
Peter
February 23, 2026Brian had our best interests at heart and has a ton of insight which added a lot of value throughout the process. He had excellent teams in place to move us from start to finish as smoothly as possible. It was a pleasure to work with Murk Investments and we would do it again.
Frank M
April 3, 2025Brian is incredibly professional! I appreciated his clear communication and positive attitude. Always a pleasure!!
Ashley Linton
March 22, 2025 -
Brian is quick to respond, very organized, and very knowledgeable. Super easy to work with. Highly recommend. In addition to all the regular stuff, he can help with private loans, creative financing, HOA stuff, room additions, raw land development, and so on. He's a good resource and will add to your toolbox in any given real estate deal.
Chris Reneau
March 21, 2025Brian was amazing to work with. We told him the area we wanted, what our criteria was and he identified several properties for us to view. Once we identified our choice the procedure was seamless. From the offer to opening escrow to closing on the property, Brian was helpful, detail oriented and made the process so easy. We would recommend Brian Murkland to anyone looking to buy or sell your home.
Cheryl Naumann
August 21, 2024Brian is a pleasure to work with, has a good handle on all facets of the transaction and is fair and honest in his dealings. He has great attention to detail and keeps you informed as the deal progresses.
scott linton
April 23, 2021
San Diego Commercial Hard Money Loan FAQs
Find answers to common questions about commercial hard money loan qualifications, costs, and repayment with Murkland Hard Money Lenders.
Eligibility depends on the specific property and proposed transaction. Share the property address, current use, occupancy, and funding needs with our team. We’ll review those details to determine whether available financing fits your commercial real estate plans.
Yes, you can submit a refinancing request for a commercial property you already own. Our team will review the property’s value, existing debt, income, and your reason for refinancing. If you’re requesting additional funds for improvements or another business purpose, explain how you plan to use them.
Your contribution depends on the purchase price or property value, approved loan amount, existing debt, closing costs, and any improvement budget. You should also account for loan payments, taxes, insurance, maintenance, and expenses during vacancies. Our team will discuss your expected contribution and any reserve requirements during the loan review.
Contact our team to discuss the property’s condition and your plans. Provide your improvement budget, expected completion date, leasing strategy, and available funds to carry the property. Vacancy or needed repairs can affect the financing available, so approval will depend on the full project review.
Timing depends on the property, required documentation, valuation, title and escrow work, and other funding conditions. Commercial transactions may also require a review of leases, operating records, or additional property reports. Share your purchase agreement or upcoming loan payoff date early so our team can assess the schedule.
Your repayment plan may involve selling the property, refinancing into a long-term loan, or using another identified source of funds. If you plan to refinance, review the future lender’s requirements for occupancy, income, property condition, and borrower qualifications before taking out the short-term loan. Allow time for delays and confirm whether extensions are available and what conditions or fees would apply.
Let’s Talk About Your San Diego Commercial Hard Money Loan
Have a commercial property to purchase, improve, or refinance?
Tell us about your transaction. We’ll review your property, funding needs, and timeline to discuss whether a commercial hard money loan fits your plans.
Call 858-242-2601 or complete our online application to get started.