West Bay provides financing and acquires mortgage debt instruments for commercial real estate under the following three platforms

    • Acquisition and Refinance
    • Bridge and Interim
    • Rehabilitation and Renovation
    • Acquisition and Refinance
    • Stage-Funded
    • Business Purpose
    • Construction
    • Opportunistic Situations
    • Note Hypothecation
    • Cash Out
    • Provide a subordinate debt position within a senior-subordinate debt structure with a financial institution or other primary lender
    • Participation with another lender on a pari-passu basis
    • Joint Venture with participating debt
    • Individual loans or portfolios
    • Existing whole loans and portfolios
    • Subordinate debt of whole loans or portfolios
    • Performing debt but will consider some non-performing loans or portfolios
    • Seller carry-back financing
    • Commercial Mortgage-Backed Securities (CMBS)


Lending Criteria & Loan Terms

  • Loan Amount

    $500,000 – $25,000,000

  • Loan Types

    Acquisition and Refinance, Bridge and Interim, Rehabilitation and Renovation, Stage-Funded, Business Purpose, Construction, Note Hypothecation, Cash Out

  • Lien Position

    Primarily 1st or 2nd Deeds of Trust or Mortgages
    Other junior lien positions considered on a case-by-case basis

  • Loan-To-Value

    Up to 75% (combined LTV)

  • Loan-To-Cost

    Up to 85%

  • Loan Term

    6 months – 5 years (Shorter or longer terms are available on a case-by-case basis)

  • Lending Territory

    United States, typically in the Western U.S. Primarily in California

  • Interest Rate

    9.00% – 15.00%

  • Origination Fee

    1 – 5 points

  • Amortization

    Interest Only

  • Property Types

    Multi-Family, 5 or More Units, Retail, Office, Industrial, Medical, Mixed-Use, Hotel/Motel, Mobile Home Parks, Gas stations and Convenience Stores, Automotive, Self-Storage


As a result of collaborative discussions between West Bay and various financial institutions, West Bay has created the Financial Institution Partner Program (FIPP). FIPP is a unique participatory lending program between West Bay and certain traditional lending institutions. Financial institutions, with whom West Bay partners, will be able to raise additional capital, alleviate risk within their own portfolio and improve regulatory compliance.

You may download our Financial Institution Partner Program below.


If you have a loan request or if you would like to learn more about West Bay Capital, please fill out the form below and a representative will contact you.