Which property types are suitable for your loan program?

We provide loans on an array of income producing commercial properties. Please see our "Criteria" page for more details or contact us to see if you qualify.

I already work with a mortgage banker, how does that fit into your process?

We welcome your professional representative to work with us on structuring a loan that works for you. We often work with borrower representatives and appreciate their involvement and respect their relationship with you. 

What is your underwriting and closing process?

We will work with our borrower to quickly assemble the required due diligence material. Our underwriters assemble, review and verify the information provided up front and work towards completing the loan. We will work with legal counsel and title to arrange for the documentation and funding of the loan within the borrower's desired timeframe. Immediately following funding, the borrower will be contacted by our professional loan-servicing team to handle your monthly payment obligations. 

Which regions do you operate in?

We currently provide loans for qualified properties mainly throughout the Western US (CA, WA, OR, NV, and AZ). However, depending on the deal we may open our funding to other regions and have done so in the past. 

How fast can you fund?

Funding depends on your time requirements. We can fund as fast as 10 business days since we avoid hurdles of conventional bank financing. It is our goal to answer a borrower's needs quickly and cleanly.

How do you know your process works?

Members of our team have had long and highly successful careers in CRE lending and real estate capital markets. We have underwritten and funded over $5.0 billion in loans secured by commercial real estate and know the obstacles, both real and otherwise, faced by conventional lenders. In addition, we have been funding private loans for more than 20 years as our legacy company started in 1994. In the last few years, we have funded millions of dollars in private loans. We are experienced and know how to conduct our business in a way that makes sense for us, our investors and our borrowers. Our numerous repeat borrowers are a testimonial to this fact. 

How do you source your funds?

We use several sources of funds to complete our loan transactions. This may include a warehouse line from a large institution, corporate resources, a number of qualified private investors, or a combination of those sources. 

Do you require reserves of taxes, insurance and other items?

Generally, our loans do not require escrows for taxes, property insurance, replacement reserves, tenant improvements and lease commissions. We rely upon our borrower, to keep those obligations current. On a case by case basis, we may require cash reserves to cover certain near term obligations. 

How do you apply for a loan?

If you are interested in applying for a loan please contact us by filling out the "Contact Us" form at the bottom of this page. Please provide a description of what you are looking for and we will get back to you as soon as possible. 

Why do borrowers and mortgage brokers come to us?

There are many reasons. We all know how stringent, time-consuming and costly the process can be with conventional lenders. Getting to a "yes" or "no" can be tedious, and often borrowers face last-minute demand from lenders that need to be fulfilled. At Anderson Roberts, we are streamlined, efficient and clear in our approach. We can overcome obstacles, whether property or borrower, with creative structuring that banks and other conventional lenders simply can't or won't do. We focus on the sponsor and the property to clearly assess the merits of each transaction. We are not saddled by lengthy credit approval processes or all-too-common bank regulations. We also know that not all properties are "ready for prime time" due to certain factors. For example, a property may be transitioning or going through lease-up and not be ready for conventional financing. An Anderson Roberts loan works well in those cases. 

Do you require title insurance or a recent appraisal?

Industry standard closing requirements are required on all loans. This includes title insurance, legal documentation, property insurance and other lender protections. Generally, we do not require new third party reports (appraisal, environmental, engineering) for most transactions. As prudent lenders, we do have a member of our senior management team inspect every property prior to funding. 

What are the terms of your loans?

Generally, our loans are from 12 to 24 months. We also offer interest-only payments in most cases. This feature allows for more reasonable monthly payments during the loan term. 

What are your rates?

Short term, bridge and structured loans typically command higher rates for a variety of reasons. Our rates on first mortgages start at 8.5%.

Do your loans have prepayment penalties?

Not in a traditional sense. Our loans require we earn a minimum interest while the loan is outstanding. This ranges from 6 to 12 months of interest and is dependent on the loan term you request. 

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Relationship Focused, Results Driven

Locations in San Francisco & Newport Beach, CA

(415) 692-7449


Anderson Roberts Financial, Inc is a broker licensed through the California Department of Real Estate

License number 01243540