Hazelcrest Financial is a licensed commercial loan broker serving Daly City and the northern San Mateo County corridor, connecting business owners with SBA 7(a) loans, equipment financing, working capital, commercial real estate loans, business lines of credit, invoice factoring, and specialty programs through our network of institutional lenders.
A commercial loan broker acts as your advocate and intermediary, preparing loan packages, matching your financing need to the right lender, and shepherding documentation from application through closing. We do not lend money; we broker the relationship between you and the bank or finance company, handling the paperwork so you stay focused on your Mission Street storefront, Serramonte Boulevard warehouse, or Westlake district service company. Our documentation-made-simple approach turns a stack of tax returns, rent rolls, and bank statements into a clean package that lenders actually want to fund.
Daly City sits at the crossroads of San Francisco's southern border and the Peninsula's commercial spine, home to auto dealers along Junipero Serra Boulevard, medical offices near Seton Medical Center, and retail anchors at Serramonte Center. That mix creates diverse financing needs, and we've placed loans for equipment upgrades, tenant-improvement buildouts, franchise acquisitions, and multi-unit property purchases across Broadmoor, Colma, Brisbane, South San Francisco, San Bruno, Pacifica, Millbrae, and Burlingame.
Most established businesses qualify if they show two years of tax returns, reasonable credit (typically 650+ for owner-occupant commercial real estate, 600+ for equipment), and a coherent use of proceeds. We work with sole proprietors buying their first food truck, partnerships acquiring mixed-use buildings on Mission Street, and LLCs refinancing existing debt. Startups can qualify for SBA microloans or working capital if the principals bring industry experience and a deposit. Our SBA 7(a) loan program remains the gold standard for owner-occupied commercial property, while equipment financing suits contractors and medical practices that need machinery without tying up working capital.
Real estate
Clients hire a commercial mortgage broker to purchase owner-user buildings, refinance balloon notes, fund tenant improvements, consolidate high-interest debt, or inject working capital during seasonal dips. A Daly City HVAC contractor might use our working capital solutions to cover payroll between large municipal contracts, while a Westlake dental practice finances new chairs and imaging equipment through a broker-placed loan that preserves their bank line for emergencies.
How it works
Call (650) 659-4959 to discuss your scenario. We gather three years of business and personal tax returns, year-to-date profit-and-loss, interim balance sheet, bank statements, and a brief narrative of how you'll deploy the funds. We assemble that into a lender-ready package, submit to our network, and present you with term sheets. Once you choose, we coordinate underwriting, appraisal, title, and closing. The entire process typically runs 45 to 90 days for commercial real estate loans, faster for equipment or working capital.
Visit our office at 323 89th St, Daly City, CA 94015 to review documents in person, or we can work by phone and secure upload if you're managing a business in South San Francisco or Pacifica. Either way, you get the same documentation-made-simple workflow we've refined over hundreds of closings across the Peninsula and North County service area.
Serving the Daly City area
We know which lenders fund which kinds of Daly City businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Daly City owners trust Hazelcrest Financial
