About BREA Commercial Capital

Brea Commercial Capital is a specialized boutique firm providing high-leverage, flexible financing solutions designed for the modern real estate investor and small business owner. By bridging the gap between traditional banking and the fast-paced world of private capital, the firm focuses on speed, transparency, and strategic growth.

Whether you are scaling a rental portfolio or navigating a complex commercial acquisition, the mission is to provide "capital with a plan," ensuring every deal is backed by a structure that supports long-term profitability.

Core Financing Solutions

1. Real Estate Investor (REI) Funding

• Bridge (Fix & Flip) Loans: Fast-access capital for acquisitions and renovations. These loans are designed to help investors secure distressed properties and execute value-add strategies without the red tape of a conventional mortgage.

• Rental (DSCR) Loans: Long-term financing for buy-and-hold investors. These loans focus on the property’s cash flow (Debt Service Coverage Ratio) rather than just personal income, making them ideal for scaling a portfolio.

• New Construction: Specialized funding for residential and commercial builds, supporting developers from the ground up.

2. Commercial & Business Capital

• SBA & Conventional Loans: Assisting established businesses with owner-occupied commercial real estate or long-term working capital.

• Unsecured Business Lines of Credit: Flexible capital for operations, inventory, or emergency expenses without requiring physical collateral.

• Equipment & Inventory Financing: Helping businesses acquire the tools they need to grow while preserving their cash on hand.

The Brea Advantage

What sets Brea Commercial Capital apart is the integration of deep real estate expertise with sophisticated financial technology.

• Speed of Execution: Streamlined application processes meant to meet tight closing deadlines.

• Creative Structuring: Moving beyond "one-size-fits-all" to find terms that actually fit the specific nuances of your deal.

• National Reach, Local Expertise: While leveraging a broad network of capital partners, the firm maintains the personalized service of a dedicated advisor.

Our Streamlined Process

We've removed the red tape of traditional banking. Experience a funding journey designed for the speed of modern business.

Commercial Loans

Offering flexible investment property loans for diverse borrower needs.

• FlexTerm: 30-Year Fixed & ARMs

• Flex I/O: Interest-Only Options

• Fast50: Up to 50% LTV, Easy Docs

• ARV Pro: Fix & Flip (90% LTC)

• Foreign Investor Program

Business Funding

Powered by David Allen Capital, providing fast working capital for gig workers and small businesses.

• Gig-Worker Capital ($2k - $10k)

• Small Business Capital (Up to $2M)

• 10-Minute Approvals

• 1-2 Day Funding

• Payment Processing Solutions

Real estate funding short and long term financing for real estate professionals.

• Fix & Flip: Purchase & Rehab

• Long-Term Rental: 30-Year Fixed

• Multi-Family: 5+ Unit Properties

• New Construction: Ground-Up

• Rental Portfolio: 5+ Properties

Real Estate Investment Funding

"Brea-Commercial Capital understood our vision when the big banks didn't. They funded our $4.2M development project in record time."

- Clarice Turner

"The business line of credit we secured through Brea-Commercial saved our operations during a major expansion. Highly professional team."

- Brian Moten

”Impressed with the efficiency and professionalism. The entire process was smooth and hassle-free.”

- Joyce Gould

"The AI advisor was surprisingly helpful in explaining LTV ratios. The whole process was transparent and fast."

- Sharon Roddy

Stay Connected

Get updates on funding opportunities