Financial Compound has operated out of Santa Monica since 1996. We know the Los Angeles commercial real estate market — submarket by submarket, from Downtown LA office to Westside retail, South Bay industrial, San Fernando Valley multifamily, and coastal hospitality. That local intelligence translates into sharper underwriting, more defensible valuations, and lender presentations that stand up to scrutiny.
A representative LA transaction: we arranged a $16,050,000 commercial mortgage refinance at 40% LTV and 2.4 DSCR for two national-chain grocery stores in prime Los Angeles locations. Low leverage, high coverage, institutional pricing.
Nationwide Commercial Mortgage Brokerage
While our office is in Los Angeles, our capital markets footprint is national. Financial Compound has arranged commercial real estate financing in every major U.S. market and across virtually every asset class — from a $74,000,000 office building refinance at 60% LTV and 1.70 DSCR (aggressively priced 5-year floating-rate SOFR facility) to $19 million in land acquisition financing at 95% of all-in cost for a 1,600-acre residential land assemblage.
Our capital provider relationships span institutional equity, private equity, life insurance companies, money-center and regional banks, CMBS conduits, hard money funds, hedge funds, venture capital, and private family offices — including lenders that specialize in non-conventional property types most brokers cannot access.
Property Types Financed
Financial Compound has placed debt and equity on apartments, bingo parlors, car washes, diners, entertainment centers, farms, gyms, hotels, industrial buildings, jewelry buildings, karate studios, land developments, mixed-use, nightclubs, office buildings, retail centers, self-storage, supermarkets, theaters, vacant lots, warehouses, and a great many niche assets in between. If it produces income or is being developed into income-producing real estate, we have likely financed something like it.
How We Close — Speed Matters in Commercial Mortgage Brokerage
Capital providers offer Financial Compound cutting-edge commercial loan terms because of our technical underwriting and volume of deal flow. We can place a transaction within hours when the situation demands it. Representative closings:
| Transaction |
Close Time |
| Institutionally priced permanent loan |
8 business days |
| Industrial building refinance |
19 days |
| Land loan |
5 days |
| Hard money loan |
2 business days |
Frequently Asked Questions — Commercial Mortgage Brokerage
Q: What is a commercial mortgage broker, and how is one different from a commercial mortgage lender?
A: A commercial mortgage broker represents the borrower and shops the transaction across multiple capital providers to obtain the best available terms. A commercial mortgage lender provides one set of loan products. A broker’s value is in running a competitive process and structuring the loan around the borrower’s objectives rather than the lender’s box.
Q: Does Financial Compound charge upfront fees?
A: No. Financial Compound does not charge any upfront fees. We are compensated only upon closing.
Q: What commercial mortgage loan amounts does Financial Compound handle?
A: We have closed transactions ranging from small-balance loans to single transactions exceeding $74 million, and we have financed portfolios well into nine figures. There is no strict floor or ceiling — we evaluate each opportunity on merit.
Q: Does Financial Compound only work with Los Angeles borrowers?
A: No. Our office is in Santa Monica, California, and we handle a high volume of Los Angeles commercial mortgage transactions, but we originate commercial real estate financing nationwide.
Q: What property types does Financial Compound finance?
A: Office, retail, industrial, multifamily, mixed-use, hospitality, self-storage, medical office, special-purpose, land, and a broad range of non-conventional assets. We regularly close transactions that generalist brokers decline.
Q: How fast can a commercial mortgage close?
A: It depends on the capital source and the property. We have closed institutionally priced loans in 8 business days and hard money loans in 2 business days. Typical bank and CMBS permanent loans take 45–75 days from application to funding.
Q: What is DSCR and why does it matter for a commercial mortgage?
A: Debt Service Coverage Ratio (DSCR) measures net operating income relative to annual debt service. Most commercial lenders require a minimum DSCR of 1.20x–1.30x for stabilized properties. A higher DSCR generally means lower perceived risk and better pricing.
Q: Does Financial Compound handle SBA 504 and SBA 7(a) loans?
A: Yes. We originate SBA 504 and SBA 7(a) financing for owner-occupied commercial real estate, with structures optimized for business operators seeking long amortizations and lower down payments.
Ready to discuss your transaction?Financial Compound works with commercial real estate borrowers nationwide, with a concentration in Los Angeles and the greater Southern California market. There are no upfront fees, and all consultations are confidential.
Phone: 310-260-5900 x3 | Office: 2450 Colorado Ave #239, Santa Monica, CA 90404
Schedule: /online-appointment-scheduling/
