Financial Compound is a Santa Monica–based commercial mortgage brokerage delivering full-service commercial real estate financing for investors, owners, and developers across the United States. From multifamily acquisitions and CMBS refinances to bridge loans, SBA financing, and construction debt, we structure capital that fits the deal — not the other way around. Our commercial mortgage broker services connect borrowers with the right lender from a deep network of banks, life companies, agency lenders, debt funds, and private capital sources.
With decades of combined experience in commercial real estate finance, our team specializes in identifying the optimal capital structure for each transaction, negotiating competitive terms, and shepherding deals through closing. Whether you are financing a stabilized asset, repositioning a property, or working out a distressed loan, our brokerage process is built to maximize proceeds and minimize execution risk.
Our Commercial Mortgage Brokerage Services
Below is the full menu of commercial mortgage services offered through Financial Compound. Each service line is supported by lender relationships, current market intelligence, and transaction-specific underwriting.
The commercial financing marketplace comprises many types of commercial mortgage lenders — banks, credit unions, life insurance companies, agency lenders, CMBS conduits, and private debt funds. We match each borrower’s profile and property type with the lender best positioned to deliver the lowest spread, highest leverage, or fastest close.
Commercial real estate finance and investments represent a significant portion of the U.S. capital markets. We arrange permanent debt, mezzanine financing, preferred equity, and joint-venture capital for office, retail, industrial, multifamily, hospitality, self-storage, and specialty assets.
Commercial bridge loans are very useful for properties in transition — a newly constructed hotel reaching stabilized occupancy, a re-positioned shopping center during the re-tenanting period, or a value-add multifamily acquisition awaiting agency takeout. Our bridge loan placements are typically priced over SOFR with flexible prepayment to align with the business plan.
Hard money commercial loans are typically quick-close, high-interest loans from private, unregulated lenders. We work with vetted, institutional-quality private lenders to deliver speed and certainty of execution without the predatory terms historically associated with the category.
Finance apartment buildings, office buildings, retail shopping centers, industrial buildings, hotels, raw land, or raise cash from commercial real estate property holdings through cash-out refinance. Our commercial real estate loan placements range from $1 million to $100 million-plus, with leverage up to 80% LTV for multifamily and 75% LTV for commercial property.
Financial Compound has leveraged its unique position as both a borrower representative and a commercial real estate finance professional well-versed in resolving complex financial problems. We negotiate loan modifications, forbearance agreements, discounted payoffs, and workout structures with special servicers, banks, and CMBS trustees.
Additional Commercial Mortgage Services
Beyond the six core service lines above, our brokerage actively places the following commercial mortgage products:
Commercial Mortgage Broker Services at a Glance
| Service |
Loan Size |
Typical Use Case |
| Commercial Mortgage Loans |
$1M – $100M+ |
Acquisition or refinance of income-producing property |
| Bridge Loans |
$2M – $75M |
Value-add, lease-up, or repositioning |
| Construction Financing |
$5M – $100M+ |
Ground-up multifamily, mixed-use, commercial |
| SBA 504 / 7(a) |
Up to $5.5M (504) / $5M (7a) |
Owner-occupied commercial real estate |
| Hard Money / Private |
$500K – $25M |
Fast-close, credit-impaired, or non-conforming deals |
| Loan Modification & Workout |
Any size |
Distressed loans, maturity defaults, special servicing |
Why Choose Financial Compound as Your Commercial Mortgage Broker
- Lender network depth — Active relationships with banks, life companies, agency lenders, CMBS conduits, debt funds, and private capital.
- Current market intelligence — Pricing benchmarked daily against SOFR, the 10-Year Treasury, and live lender quotes.
- Borrower-side advocacy — We represent the borrower’s interest exclusively, never dual-representing lenders.
- Underwriting fluency — DSCR, debt yield, LTV, NOI normalization, and stress testing handled in-house before lender outreach.
- National scope, Santa Monica roots — Headquartered in Santa Monica, CA with placements across all 50 states.
Ready to Discuss Your Commercial Mortgage?
Speak directly with a senior commercial mortgage broker. No automated screening, no junior intake — just a real conversation about your deal.
📞 310-260-5900 x3
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Frequently Asked Questions
FAQ
Q: What does a commercial mortgage broker do?
A: A commercial mortgage broker analyzes a borrower’s property, financials, and objectives, then sources competing loan quotes from a network of commercial real estate lenders. The broker negotiates terms, manages the underwriting process, and shepherds the loan through closing. Financial Compound represents the borrower exclusively.
Q: How much does it cost to use a commercial mortgage broker?
A: Commercial mortgage broker fees typically range from 0.5% to 2% of the loan amount, depending on transaction size and complexity. Fees are usually paid at closing from loan proceeds. Smaller and more complex deals trend toward the higher end; large, simple permanent debt placements toward the lower end.
Q: What types of properties can Financial Compound finance?
A: We arrange financing for multifamily/apartment buildings, office, retail, industrial, hotel, self-storage, mixed-use, special-purpose, and land/development assets. Loan sizes generally start at $1 million.
Q: How long does it take to close a commercial mortgage?
A: Bridge loans and hard money loans can close in 2–4 weeks. Conventional bank and life company loans typically close in 45–60 days. CMBS, SBA, and agency (Fannie/Freddie) financing usually requires 60–90 days from application to funding.
Q: Do you only serve clients in Santa Monica or California?
A: No. While Financial Compound is headquartered in Santa Monica, CA, we place commercial mortgages on properties located throughout the United States. Local market expertise in Los Angeles and Southern California is a strength, not a limitation.
Q: What information do I need to get a commercial mortgage quote?
A: At minimum: property address, property type, current/projected NOI, rent roll (if income-producing), purchase price or current value, loan amount requested, and borrower’s financial summary. Send these, and we’ll return indicative pricing within 1–2 business days.
Get Your Commercial Mortgage Quote
Send your deal summary and receive indicative lender quotes within 48 hours. No upfront fees, no obligation.
📞 310-260-5900 x3 · ✉ info[at]commercialmortgagebroker.org
