Commercial Mortgage Broker in the San Francisco Bay Area

Financial Compound is an independent, borrower-side San Francisco commercial mortgage broker arranging financing for commercial real estate across the Bay Area. Since 1996, we have placed more than $6 billion in debt and equity throughout the capital markets, and we bring that same competitive-bid discipline to office, life science, industrial, multifamily, retail, and mixed-use transactions from San Francisco and the Peninsula to Silicon Valley, the East Bay, and the North Bay. We represent the borrower — never the lender.

A direct lender quotes one program against one credit box. Financial Compound runs a competitive process across institutional equity, private equity, life insurance companies, money-center and regional banks, CMBS conduits, credit unions, debt funds, and private capital — including lenders that specialize in non-conventional and transitional Bay Area assets. In a market where pricing for a Class A San Francisco office tower and a Fremont R&D building can diverge by hundreds of basis points, running that process is the difference between an ordinary term sheet and the best available execution. The result is measurable: tighter spreads, higher proceeds, and loan structures aligned with your hold period and business plan.

We represent the borrower. That single fact reorders every incentive in the transaction — we are paid only when we deliver financing you accept, so our work is to extract the best terms the market will offer, not to defend any one lender’s box.

The Bay Area is California’s largest commercial real estate market after Los Angeles, and in 2026, it is also one of its most actively recovering. San Francisco office leasing has now cleared two million square feet for six consecutive quarters — led by artificial-intelligence and technology tenants — with first-quarter 2026 net absorption the strongest the city has recorded since 2019. Silicon Valley lab and R&D space, East Bay industrial, and a multifamily sector that is accelerating while national rents stall, each underwrites differently, and each draws a different pool of capital.

Financial Compound prices transactions submarket by submarket: Downtown San Francisco and SoMa office, Showplace Square and Mission Bay life science, the Peninsula and San Mateo County R&D corridor, San Jose and the broader Silicon Valley, the Oakland and East Bay industrial belt, and North Bay flex and retail. That local intelligence translates into sharper underwriting, more defensible valuations, and lender presentations that stand up to scrutiny.

Office and creative office, life science and lab/R&D, multifamily and mixed-use, industrial and logistics, retail and grocery-anchored centers, hospitality, self-storage, and ground-up development. If it produces income — or is being built or repositioned into income-producing real estate — we have likely arranged financing for something comparable.

Long-duration fixed- and floating-rate debt for stabilized office, industrial, retail, and multifamily assets, structured against DSCR, LTV, debt yield, and NOI benchmarks appropriate to the property type and submarket.

Short-duration financing for properties in transition — newly delivered assets reaching stabilized occupancy, repositioning and re-tenanting plays, and life science conversions of legacy office product.

Ground-up and major-rehab construction debt, including high-leverage structures for well-sponsored Bay Area projects with credible business plans and capable development teams.

Fannie Mae DUS, Freddie Mac Optigo, HUD/FHA, and bank balance-sheet execution for Bay Area apartment and mixed-use assets, with proceeds and pricing tested across each channel.

Owner-occupied commercial real estate financing for Bay Area operating businesses — long amortizations, competitive fixed rates, and lower down payments than conventional debt.

Rate-and-term and cash-out commercial mortgage refinance, including SOFR-indexed floating-rate and fixed-rate permanent debt for borrowers addressing near-term maturities.

We obtain preliminary terms and then evaluate them against your objectives, producing an apples-to-apples comparison that quantifies amortization methods, promote and waterfall structures, escrows and holdbacks, lender fees, defeasance, yield maintenance, and other prepayment penalties. This is how you see the real cost of capital — not the rate printed on the term sheet. SOFR-indexed floating-rate facilities and fixed-rate permanent debt are weighed on a true cost-of-capital basis.

As of mid-2026, with SOFR near 3.60%, the 10-year Treasury around 4.45%, and the prime rate at 6.75%, the choice between floating and fixed execution is a live underwriting decision on nearly every Bay Area transaction. We model both against your hold period before you commit.

Financial Compound does not charge upfront fees. We are compensated only upon closing. That alignment is rare in commercial mortgage brokerage, and it is why capital providers routinely designate us as a preferred broker.

A representative execution from Financial Compound’s national portfolio: a $74,000,000 office building refinance at 60% LTV and 1.70 DSCR — an aggressively priced five-year floating-rate SOFR facility. Low leverage, strong coverage, institutional pricing. It is the kind of structure Bay Area office and R&D sponsors require when they refinance into a recovering capital market.

Capital providers offer Financial Compound cutting-edge 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 office permanent loan	8 business days
Land loan	5 days
Hard money loan	2 business days