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Program 04

CRE Bridge in Central Valley

Commercial bridge loans for Fresno agriculture, logistics and industrial deals.

Access equity or finance a project before permanent financing. Flexible commercial bridge across property types, with terms up to 24-36 months and loan sizes up to $10M. Fresno's agriculture and logistics base support cold storage, packing and industrial space along Highway 99, with an Amazon fulfillment center and a growing warehousing workforce anchoring the corridor. Business-purpose only, and every structure is set in underwriting.

CRE Bridge in Central Valley, CA from USA Mortgage
$10M
max loan
24-36 mo
terms
All types
property
Cash-out
available

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Use bridge capital to reposition an asset, buy out a partner, or stabilize before a refinance. We move quickly on commercial deals that banks find too time-sensitive. When the asset is stabilized, we refinance you out of the bridge and into long-term permanent debt, which we also place in house, so you have a clear exit from day one.

Who it's for
Value-add commercial real estate
Repositioning and lease-up
Partner buyouts
Pre-stabilization holds
Typical terms
Loan amountUp to $10M
Max leverageUp to 75% LTV
TermUp to 24 to 36 months
RateFrom 9.00%*
PaymentsInterest-only
StructureBridge or cash-out
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

CRE Bridge in Central Valley, answered.

What's actually anchoring commercial demand in Fresno, agriculture or logistics?
Both, and neither is a cliche here. Fresno County agriculture ran a location quotient of 11.79 to 12.24 in late 2025, roughly twelve times the national concentration, with private ag employment near 43,737 in September 2025. Transportation and warehousing added 22,627 covered jobs, anchored by an 855,000 square foot Amazon fulfillment center plus a 183,000 square foot delivery station in south Fresno. Underwrite a Fresno industrial or flex bridge deal against cold storage, packing and logistics tenants, not a coastal-market retail thesis.

Sources: data.bls.gov, fresno.gov

Does groundwater regulation touch a Fresno commercial bridge deal?
Only if the collateral is ag-adjacent and off a private well, and Fresno County is not on state probation. The Sustainable Groundwater Management Act requires local basins to end overdraft by 2040. Fresno County's own Kings Subbasin, which underlies the city of Fresno, Clovis and Kerman, received DWR approval in 2023, and the Delta-Mendota Subbasin exited state intervention on 2026-04-07. The probationary subbasins generating headlines, Tulare Lake and Tule, sit in neighboring Kings and Tulare counties, not here. On an ag-processing or cold-storage collateral parcel on a private well, confirm the water source and the governing agency as part of diligence; incorporated-city collateral on municipal water isn't exposed the same way.

Sources: northkingsgsa.org, waterboards.ca.gov

How does Fresno County's property tax stack affect the carry on a bridge hold?
Pull the parcel's actual tax rate area before you underwrite; a county average will be wrong on most parcels. Fresno County runs 2,001 tax rate areas for the current fiscal year, with ad valorem rates from 0.958% to 1.543% of assessed value, plus flat Mello-Roos and special-district charges that sit outside that percentage entirely. A purchase and a completed construction project each trigger their own supplemental assessment, so a reposition-and-refinance plan can see two separate tax events land in the same hold.

Sources: fresnocountyca.gov

Does buying commercial property in Fresno reset the tax bill?
Yes, to the price you paid, not what the seller was paying. Under Proposition 13, assessed value resets to the purchase price on every change in ownership, and a lot of Fresno County commercial stock has been held for decades on assessments far below current value. Underwrite the tax line off your purchase price times the parcel's tax rate area rate, and budget for a supplemental assessment in the first year rather than the number on the listing.
Will a Fresno reposition or expansion project trigger an air district review?
Possibly, and the thresholds are lower than most out-of-area investors expect. The San Joaquin Valley Air Pollution Control District's Indirect Source Review, Rule 9510, applies at just 2,000 square feet of new commercial space, among other thresholds, and requires an Air Impact Assessment filed no later than the entitlement application, with an off-site mitigation fee possible for any shortfall. Factor the review into your project timeline before you close the bridge, not after.

Sources: ww2.valleyair.org

Is there real construction activity to underwrite around downtown Fresno?
Yes, station-area work is live in 2026, though the opening date isn't fixed. California High-Speed Rail's Central Valley segment runs through Fresno, and downtown work includes a construction contract for retrofitting the historic Fresno Depot and a design-build solicitation for the Fresno Station itself, with utility relocation, demolition and multimodal parking underway at the H and G Street entrances. Testing is planned for 2028 and service targets 2030, with the timeline able to slip. Treat this as ongoing downtown activity, not a completion date to underwrite against.

Sources: hsr.ca.gov

How much equity do I need in a Fresno commercial bridge deal?
At least 25% of value. Max leverage runs up to 75% LTV, so on a $2,000,000 Fresno industrial building that is up to $1,500,000 from us and $500,000 from you (2,000,000 x 75% = 1,500,000). Loan sizes run up to $10M, which reaches the cold storage, packing and flex product along the Highway 99 corridor. Subject to underwriting.

Sources: data.bls.gov, fresno.gov

Is there a minimum credit score for a Fresno bridge loan?
No minimum score on a Fresno commercial bridge loan. We run credit, but on an asset-based loan it carries far less weight than at a bank: the property, the equity and the exit carry the file. Weaker credit is usually handled with lower leverage rather than a decline, and there is no hard pull to start. Subject to underwriting.
Do I make principal payments during a Fresno bridge term?
No. The loan is interest-only for the term. Bridge terms here run up to 24 to 36 months, built for a reposition or a cash-out while you work toward permanent financing. Size the carry off the parcel's own tax rate area rather than a county average, since Fresno County runs 2,001 of them at ad valorem rates from 0.958% to 1.543%, and remember a purchase and a completed construction project each trigger their own supplemental assessment. Subject to underwriting.

Sources: fresnocountyca.gov

More CRE Bridge questions, answered on the program page

Resources

Guides for CRE Bridge

Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
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Bridge · 4 min read
What Is a Bridge Loan in Real Estate?
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Getting Funded · 4 min read
LTV vs LTC: What's the Difference?
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Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.

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