Recently Funded Deal: $750,000 Commercial Bridge Loan Refinance in Sacramento, CA

Fast, Appraisal-Free Cash-Out Financing on an Commercial Industrial Properties

We recently funded a $750,000 commercial bridge loan refinance on an industrial property in Sacramento, California, providing our borrower with cash-out proceeds for working capital—without the delays that typically come with traditional commercial financing. We completed the application, approval process, and had loan docs ready for signing in 10 days.

This deal was structured as a commercial bridge loan refinance with cash-out, allowing the borrower to unlock equity from their industrial property and deploy capital back into their business.

Key deal details:

Loan Amount: $750,000
Property Type: Commercial industrial
Location: Sacramento, CA
Loan Purpose: Cash-out refinance for business working capital
Speed: From application to loan documents ready for signature in 10 days
Appraisal: Not required

For business owners and real estate investors, access to liquidity matters just as much as rate. This loan delivered capital quickly—without forcing the borrower to pause operations or wait weeks for third-party reports. This transaction highlights exactly what we do best: fast, flexible commercial bridge loans, even on property types many lenders won’t touch.

Why do borrowers come to Lantzman Lending for their Commercial Bridge Loans?

There are several reasons this deal stands out…

1. We Lend on Commercial Industrial Properties Others Avoid

Many bridge lenders limit their programs to residential properties. Commercial or Industrial properties are often excluded from loan portfolios of or competitors

We understand industrial real estate in our markets throughout CA

2. True Speed: No Appraisal, No Bottlenecks

Most lenders require:

Full appraisals
Multiple layers of review
Capital market approvals or 3rd party investor approvals

The process can add weeks to the approval and funding process.

In this case, we were able to move from application to loan documents in 10 days, allowing the borrower to access working capital without unnecessary delays.

3. Direct Lending = Certainty of Execution

When you’re dealing with intermediaries, timing and terms can change mid-process.

As a direct lender, we control the underwriting and decision-making. That means — Clear terms upfront, No last-minute surprises, & Reliable closings

For borrowers seeking commercial bridge loan refinances with cash-out, certainty matters just as much as speed.

What is the latest with the Sacramento Real Estate Market?

Sacramento remains one of California’s more balanced real estate markets, offering stability and liquidity across both residential and commercial property types. Compared to coastal metros, pricing remains relatively accessible, while demand is supported by government employment, healthcare, education, and continued in-migration from higher-cost regions.

On the residential side, values have proven resilient despite interest-rate volatility. This has driven steady demand for short-term and bridge financing solutions. In October 2025, Sacramento County home prices were down 0.4% compared to last year, selling for a median price of $537K in the most recent data. Marketing times are up from a year ago at 35 days on the market compared to 23 days last year at this same time. There were 1,149 homes sold in October this year, down from 1,179 last year. Like much of the nation, inventory is up from historic Covid lows where we regularly saw less than two months of inventory. Inventory has risen to just under 3 months in Sacramento County, but this is lower than many other counties across CA and the nation, and less than the California average of 3.2 months.

In the commercial and industrial sector, Sacramento continues to benefit from its central location, transportation infrastructure, and strong demand for industrial space but there has been a slight uptick in unemployment in the area from 4.7% up to 5.1% mirroring nationwide trends. Here are some highlight from the latest quarter from Cushman Wakefield for the Sacramento industrial Markets:

In Q3 2025, Sacramento’s industrial vacancy rate was 6.4 percent, up modestly year-over-year, reflecting a market with available space but still below many larger Northern California metros. This numbers is still below the historical average for the area of about 7.4%.
The average asking lease rate remained steady at approximately $0.80 per square foot (NNN) despite rising vacancy, showing continued landlord confidence in quality industrial product. This is an area to keep an eye on as we move forward to see if vacancies start to put downward pressure on lease prices.
Overall net absorption this quarter was negative, with year-to-date totals showing more space entering the market than being occupied, but leasing activity continued, particularly for smaller and mid-sized spaces. This was the 3rd consecutive quarter of negative net absorption, coming on the tail end of industrial markets being very strong in comparison to most other property types.

Overall the Sacramento market appears mostly stable but there some areas to watch on the commercial and residential side. Increasing inventory and vacancy need to be monitored closely, but interest rates appear to be on the decline and this could help to spur more activity and free up capital. Like much of the economy, we appear to be in a holding pattern waiting for a clearer direction after years of inflation across the board that has created records in nearly everything, from home prices to food prices to stock markets. Stay Tuned…

Ready to Unlock Capital From Your Commercial Property?

If you’re exploring a commercial bridge loan, refinancing an existing property, or need cash-out financing without the delays of traditional lenders, we’re ready to help.

Let’s talk about your commercial loan today...

(858)720-0229

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wk geng

18:08 15 Jan 26

Thanks Dominic, he works really helpful and effecient. Nice to met them.

Angela Merlo-Rains

22:48 13 Jan 26

They helped us acquire an inherited property that was already in foreclosure — not a simple deal — and structured a hard money loan that actually set us up to succeed. They moved quickly, communicated clearly, and walked us through every step of the process. They also provided a rehab budget and withheld funds to cover loan payments, which removed a huge amount of stress and allowed us to focus on execution.

The terms were fair, transparent, and not sketchy — which is rare in this space.

We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”

Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.

If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.

flor Zarate

23:08 12 Jan 26

Lantzman Lending has been our go-to for hard money loans time and time again. They’re responsive, professional, and always close on time—something every realtor values. Highly recommend if you’re looking for a reliable hard money lender.

Shahob A.

23:11 29 Oct 25

Pleasure to work with. Fast and reliable and they don't go looking for the money like so many other hard money lenders.

Debora Jett

03:22 18 Oct 25

I contacted Lantzman Lending and was lucky that Daniel Rosenberg called me back. He was such a pleasure to work with. He was always very timely in responding back to me and was very professional. I definitely would recommend this Company to all of my family and friends. Thank you so very much Daniel for everything in making this Hard Money Loan so seamless.

Howard Katz

19:13 29 Aug 25

We had to close on a a time sensitive real estate acquisition to buy a highly discounted property. My bank of thirty years stated no problem but they would take 6-8 weeks. The other hard lenders like Lima promised quick turnaround but then had zero respect for my time, experience and financial net worth. (I have not been messed around by a lender that much in 40 years).
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman

Marco Chavez

01:57 04 Jun 25

Thank you Dominic Thompson for your assistance on our loan with Lantzman Lending. Your attentiveness and communication made the loan process seamless . I highly recommend you and Lantzman Lending for any future home loans and look forward to working with you again in the near future. Thank you for all you did, as it did not go unnoticed.

Properties 24 LLC

21:22 23 May 25

On behalf of our company Properties 24 LLC, I recommend them if you are looking for loans for your fix and flips project. They are your best option. They have already financed 6 projects for us and they are very quick to give you the loans and very friendly.

Mai Yang

04:21 21 May 25

Their whole team was professional and personable. They were quick to respond, explaining and addressing any of my concerns. They explained strategies and let me do what's right for me. Their expertise and efficiency gave me the competitive edge to close on two properties. I'm looking forward to many more transactions with them.

Khalief Brown

18:30 01 May 25

My experience with Lantzman Lending was super smooth. Their entire team is attentive, they all communicated well throughout the entire process and we got the loan funded very quickly. I'd definitely recommend them and look forward to working with them again.