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Dan Ardis Mortgage Specialist, Barrett Financial Group
Barrett Financial Group Commercial Division
2,600+ Lenders, One Broker

Commercial Loans in Bakersfield, California

Bakersfield's commercial real estate market spans oil, agriculture, logistics, and a growing service sector. Dan structures commercial financing across every property type, with access to 2,600+ lenders competing for your deal.

Multi-Family, Retail, Industrial, Office SBA 7(a) and SBA 504 Programs DSCR for Investment Properties Bridge Loans for Value-Add Deals
Call Dan: (661) 342-9381Submit Your Deal
The Key Advantage

Access to 2,600+ Commercial Lenders Nationwide

Most commercial brokers shop your deal to 5-10 local banks. Dan's network spans 2,600+ lenders and 1,000+ commercial loan programs, giving your Bakersfield deal the widest possible exposure and the most competitive terms available.

2,600+
Nationwide Lenders
Banks, credit unions, private money, agencies, CMBS, and more
1,000+
Loan Programs
SBA, DSCR, bridge, agency multifamily, hard money, construction
One Broker
Working for You
Not the bank's broker. Dan works for your deal, not the lender.

Commercial Property Types in Bakersfield We Finance

Kern County's economic diversity requires commercial lenders with breadth. Dan places financing across every commercial category active in the local market.

Multi-Family (5+ units)
Retail / Strip Centers
Office Buildings
Warehouses / Industrial
Mixed-Use Properties
Self-Storage
Hotels / Motels
Restaurants
Medical / Dental Offices
Gas Stations
Agricultural / Processing
Oil-Field Adjacent Properties

Commercial Loan Programs Available in Bakersfield

Dan matches your deal to the right product, not the other way around.

SBA 7(a) Loans

Owner-Occupied

Owner-occupied commercial purchases, business acquisitions, and working capital. Up to $5M. Bakersfield business owners use this to buy their building rather than paying rent.

SBA 504 Loans

10% Down

Long-term fixed-rate financing for owner-occupied commercial real estate. As low as 10% down. Strong for small business owners in Kern County who want to lock in a permanent rate.

DSCR Commercial Loans

No Tax Returns

Qualify based on the property's rental income, not personal tax returns. Purpose-built for Bakersfield investors scaling a commercial portfolio without the documentation burden.

Agency Multifamily

5+ Units

Fannie Mae, Freddie Mac, and HUD/FHA financing for stabilized 5+ unit apartment properties. Best-in-class rates for Bakersfield multifamily owners with high occupancy assets.

Bridge Loans

Fast Close

Short-term financing to close quickly while permanent financing is arranged. Used for time-sensitive acquisitions, value-add plays, and repositioning Bakersfield commercial properties.

Construction and Development

Ground-Up

Ground-up construction and major renovation financing for Bakersfield commercial projects. Structured draws aligned with development milestones and city permit stages.

Why Bakersfield's Commercial Market Is Different

Kern County has unique economic drivers that shape commercial real estate demand in ways a coastal broker won't understand but Dan does.

Oil and Energy Sector

Kern County produces more oil than any other California county. Oil-field service companies, equipment yards, and energy-related commercial properties require lenders familiar with the sector. Dan's network includes lenders who finance energy-adjacent commercial real estate.

Agriculture and Processing

The San Joaquin Valley's agricultural output creates demand for processing facilities, cold storage, and distribution infrastructure. These specialized commercial properties require experienced underwriters, not a generalist bank.

Logistics and Distribution

Bakersfield's position on I-5 and Highway 99 has made it a logistics hub. Major distribution centers have located here, driving demand for industrial and warehouse financing in the northeast and southwest industrial corridors.

Multi-Family Rental Demand

Bakersfield's population growth and housing affordability challenges sustain strong rental demand. Multi-family cap rates in Kern County remain attractive compared to coastal markets, drawing out-of-area investors who need a broker who knows the local submarket.

Healthcare and Medical

As Bakersfield's population grows, healthcare capacity is expanding. Medical office, urgent care, and dental facility financing is a growing segment. SBA 504 is frequently the right product for healthcare owner-occupants.

Retail and Small Business

Bakersfield has a strong small business ownership culture, particularly among the growing Hispanic business community. SBA 7(a) and 504 loans are heavily used for retail and service business acquisitions and owner-occupied property purchases.

Dan Ardis
Dan's Take on Commercial Lending in Bakersfield
NMLS# 1412272

Bakersfield is one of the most underpriced commercial markets in California. Cap rates here are 2-3 points higher than Los Angeles on comparable asset classes. Investors who understand the local economy, and the lenders who finance it, have real advantages here that don't exist in coastal markets.

The question I always ask a commercial borrower: do you want the deal structured around your tax returns, the property's income, or asset value? That determines whether SBA, DSCR, or bridge is the right product, and the answer is different for every deal. I've placed commercial financing ranging from a $600K Bakersfield strip center to eight-figure multifamily transactions. The structure matters as much as the rate.

Commercial Loan FAQs for Bakersfield Investors and Business Owners

What types of commercial properties do you finance in Bakersfield and Kern County?
Dan finances multi-family (5+ units), retail strip centers, office buildings, warehouses and industrial properties, mixed-use, self-storage, hotels/motels, restaurants, medical offices, and gas stations. Bakersfield's economy creates demand across nearly every commercial property type, from agricultural processing facilities and oil-field support properties to Amazon-adjacent warehousing and medical offices serving the growing population.
How does DSCR work for commercial properties in Bakersfield?
DSCR (debt service coverage ratio) measures whether a property generates enough income to cover its loan payments. Most commercial lenders require a minimum DSCR of 1.25x, meaning the property's net operating income must be at least 125% of the annual loan payment. Bakersfield's multi-family rental demand and relatively low purchase prices compared to coastal markets often produce favorable DSCR numbers for local investors.
Can I get SBA financing for a Bakersfield commercial property?
Yes. SBA 7(a) and SBA 504 loans are available for owner-occupied commercial properties in Bakersfield. SBA 504 is particularly strong for small business owners buying their building: as low as 10% down, long fixed-rate terms, and competitive pricing. SBA 7(a) works for business acquisition, renovation, and working capital as well. Dan structures SBA deals regularly for Kern County business owners.
What is the typical down payment for a commercial loan in Bakersfield?
Down payments vary by loan type. SBA 504 requires as little as 10% for owner-occupied commercial. Conventional commercial loans typically require 25% down. Bridge and hard money commercial deals usually require 30-35% down or equivalent equity. Investment property DSCR loans often require 25-30% down. The right structure depends on whether you are the owner-occupant or an investor.
Can I finance a multi-family apartment building in Bakersfield?
Yes. Bakersfield's strong rental market and relatively affordable purchase prices make multi-family a compelling investment. For 5+ unit properties, Dan uses agency multifamily programs (Fannie Mae, Freddie Mac, HUD/FHA), conventional commercial, DSCR, or bridge financing depending on the property's occupancy and stabilization. Smaller 2-4 unit properties are financed using residential loan programs.
What role does Bakersfield's oil and agriculture economy play in commercial lending?
Kern County's oil and agriculture base creates unique commercial demand that Dan understands well. Oil-service businesses, agricultural processing facilities, and equipment yards require specialized commercial financing that most residential-focused lenders don't handle. Dan's 2,600+ lender network includes commercial lenders who specialize in energy and agricultural-adjacent commercial real estate.

Commercial Lending Resources for Bakersfield Investors

GuideCommercial Deal Examples6 anonymized real transactions: multi-family, SBA 504, bridge-to-permanent, industrial, specialty, and constructionGuideDSCR Explained for CREHow debt service coverage is calculated, how lenders differ, and worked examples by property typeGuideCommercial Bridge Loan GuideWhen to use bridge financing, how the structure works, and how to plan the permanent exitLocalSBA Loans BakersfieldSBA 504 and 7(a) for Bakersfield business owners buying owner-occupied commercial propertyProgramCommercial Loans — Full Program PageAll commercial loan types, property categories, and the 2,600-lender networkLocalInvestment Property Loans BakersfieldInvestor gateway: DSCR, hard money, and commercial compared side-by-sideLocalDSCR Loans BakersfieldIncome-based investment lending without personal tax returnsLocalHard Money Loans BakersfieldFast private money for commercial acquisitions and bridge financingCalculatorCRE CalculatorDSCR, LTV, cap rate, and cash-on-cash across 6 scenario typesProgramSubmit a Commercial DealShare your deal details so Dan can find the right lender match

Finance Your Next Bakersfield Commercial Property

Submit your deal details or call Dan at (661) 342-9381. Commercial deals are structured individually — the first conversation is free.

Submit Your Deal(661) 342-9381