Commercial Real Estate
Buy, Build, Expand, or Renovate with Low Fixed-Rate Loans.
“Our standards are very high. We only hire the best people—and that’s because we prioritize responsiveness and reliability for our commercial real estate clients.”
Dan Franklin
Director of Commercial Real Estate
Representative Commercial Real Estate Transactions.
Look at what’s possible when you have the best of both worlds: big-bank opportunities and the boutique-bank personal touch.
$32,500,000
Industrial Properties
Los Angeles, CA
10-Year Fixed Rate | Acquisition
$23,000,000
Multi-Family Property
Boise, ID
10-Year Fixed Rate | Refinance
$8,950,000
Retail Shopping Center
Sherman Oaks, CA
10-Year Fixed Rate | Refinance
$3,750,000
Medical Office Building
Austin, TX
10-Year Fixed Rate | Acquisition
$3,250,000
Medical Office Property
San Jose, CA
Refinance
$21,000,000
Mixed-Use Retail/Multi-Family
Santa Clara, CA
7-Year Fixed Rate | Refinance
$11,300,000
Shopping Center
Pleasanton, CA
10-Year Fixed Rate | Non-Recourse Term Loan
$4,800,000
Multi-Family Property
Salt Lake City, UT
5-Year Fixed Rate | Acquisition
$15,580,000
Industrial Property
San Diego, CA
10-Year Fixed Rate | Acquisition
$10,000,000
Shopping Center
Los Altos, CA
10-Year Fixed Rate | Non-Recourse Term Loan
$3,800,000
Agricultural Land
Yolo County, CA
10-Year Fixed Rate | Acquisition
$5,750,000
Office Retail
Santa Barbara, CA
10-Year Fixed Rate | Non-Recourse Term Loan
$4,400,000
Self-Storage Facility
Santa Barbara, CA
10-Year Fixed Rate | Refinance
$10,000,000
Shopping Center
San Jose, CA
10-Year Fixed Rate | Acquisition
$3,200,000
Industrial Property
Santa Clarita, CA
10-Year Fixed Rate | Acquisition
$3,250,000
Industrial Property
Los Angeles, CA
10-Year Fixed Rate | Refinance
How We’re Able to Offer Rates and Loans That Move Your Business Forward.
Big banks look out for themselves first when they issue loans—and stick with minimum rate limits. River City Bank rewards great credit with great rates and loans that work for your business.
- Aggressive Pricing—Fixed-rate spreads typically around 1.50% +/-, with recent quotes ranging from 1.25% to 1.75%.
- Rate Locked at Application—Standard is 90 days, but up to 6 months is possible.
- Fixed-rate Periods up to 10 years—(15 years if 15-year amortization). Floating-rate options also available.
- Fees—Typically 1/2 point + $2,500 documentation fee.
- Loan Range—$2 million to $40 million, but can go up to $85 million.
- Very Conservative Credit Culture
- LTV of 50% or less.
- Usually Non-Recourse
A Client-First Process That Cuts Through Red Tape.
The loan is just one way we help you with your real estate goals at River City Bank. Here’s what you can expect next:
- Responsiveness. Local decision-making often means you get same-day response times.
- Reliability. We’re here to guide you through every step, with no surprises.
- A High-Touch Process. Personal meetings with members of our sales team, credit analysts, right up to the CEO—that’s just what we do, because we want to get to know you.
