HBS Finance

What HBS Finance does

HBS Finance is a privately held commercial mortgage brokerage founded in 2005 and headquartered at 3812 Sepulveda Blvd Suite 310 in Torrance, California (Los Angeles metropolitan area). The company operates as an intermediary that matches borrowers with capital sources — including conventional banks, SBA programs, Fannie Mae, Freddie Mac, CMBS conduits, life insurance companies, and private investors — across a wide range of commercial real estate loan products. It holds California DRE license 01860110 and NMLS license 238130, and serves clients nationwide through phone (310-356-6500 / 800-687-8896), email ([email protected]), and web-based inquiry forms.

The product portfolio spans apartment and multifamily loans (Fannie Mae/Freddie Mac $750K–$5M), full SBA suite (7(a) up to $5M, 504 up to $13.75M, SBA Express $50K–$150K, 504 Refinance), bridge/hard money and stated-income loans (up to $5M from 7.99%), commercial conduit and NNN financing (up to $50M for credit-tenant single-tenant properties), residential FHA/VA programs, alternative-documentation products (Bank Statements Only, VOE Only), and specialty loans (probate/estate, construction, mezzanine, fix-and-flip). Supporting tools include a mortgage calculator, closing-cost estimator, and credit-report procurement service ($42.85 fee). GTM is consultative direct sales, primarily inbound via the website and referral networks of real estate brokers, attorneys, and CPAs, with no retail locations.

Revenue is generated almost entirely through transaction-based origination fees on closed loans, supplemented by a small fixed credit-report processing fee. The firm operates with 11–50 employees and discloses no parent company, institutional investors, funding rounds, M&A, or senior leadership changes. No AI/ML, proprietary technology platform, or mobile application is present; the technical footprint is a WordPress website plus standard web forms. Customer segments are primarily individual commercial real estate investors, small business owners, and non-traditional borrowers, with a smaller secondary focus on individual homebuyers and corporate single-tenant clients.

Name

HBS Finance

Legal name

HBS Finance

Website

https://hbsfinance.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

HBS Finance is a privately held, Torrance, California-based commercial mortgage brokerage founded in 2005 that arranges nationwide commercial real estate loans for individual investors, small business owners, and non-traditional borrowers by matching them with banks, SBA, Fannie Mae, Freddie Mac, and private lenders.

Ownership category

akta.pro rank

Product category

Commercial Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

CMBS Conduit Lending (FSALADAF)

akta.pro secondary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Commercial mortgage brokerage
• Multifamily loan origination
• SBA loan programs
• Commercial real estate financing
• Bridge hard money loans

Headquarters

HQ city

Torrance

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Origination Fees: HBS Finance earns origination fees on commercial real estate loans they arrange. They serve as a mortgage broker matching borrowers with lenders including conventional banks, SBA programs, life insurance companies, and private investors.
2. Credit Report Processing Fee: $42.85 USD non-refundable credit report fee charged to borrowers for credit processing

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

HBS Finance is a nationwide commercial real estate mortgage brokerage that arranges financing for borrowers by matching them with lenders from a broad institutional and private capital network. Its portfolio spans conventional and multifamily loans (Fannie Mae, Freddie Mac, CMBS conduit), SBA programs (7(a), 504, Express, 504 Refinance), bridge and hard money lending, NNN triple-net financing, and select residential mortgages (FHA, VA). The firm earns origination fees and commissions on each closed loan, with the Torrance, California office serving as the single point of contact for clients across all U.S. states.

Product overview

HBS Finance is a commercial real estate mortgage brokerage operating since 2005, offering a comprehensive suite of loan products and financial services. The core offerings include apartment building loans, commercial mortgages, SBA financing programs (7(a), 504, and Express), bridge/hard money loans, and various residential loan products (FHA, VA). The company operates through multiple specialized product lines: conventional financing (Fannie Mae, Freddie Mac, CMBS, conduit), SBA government-backed programs, equity-based lending (stated income, bridge, hard money), and specialized products (NNN financing, construction, mezzanine, probate/estate loans). A suite of mortgage tools including calculators, credit reports, and rate quotes supports the lending process. The company serves clients nationwide from its Los Angeles/Torrance, California headquarters.

Differentiator

Problem solved

Functional benefit

Products and services

• Apartment Building Loans / Multifamily Loans Financing solutions for apartment buildings and multifamily properties with 5+ units, including conventional bank loans and government-sponsored enterprise (Fannie Mae / Freddie Mac) channels for purchase and refinance. Designed for commercial real estate investors and rental property owners.
• Fannie Mae Multifamily Loans Government-sponsored enterprise financing for multifamily properties with loan amounts from $750,000 to $5 million, fixed rates from 4.45% for 5–30 year terms, amortization up to 30 years, and LTV up to 80% for purchases (75% for refinances) with a minimum 1.25x DSCR. Targeting apartment building owners and multifamily investors.
• Freddie Mac Multifamily Loans Government-sponsored enterprise financing for apartment buildings of 5+ units with loan amounts from $1 million to $5 million, fixed rates from 4.49% for 5–15 year terms, DSCR 1.20x (top markets) or 1.25x (nationwide), LTV up to 80%, and non-recourse options. Targeting multifamily property owners.
• SBA 7(a) Loans Small Business Administration guaranteed loans up to $5 million for commercial real estate, equipment, working capital, and business acquisitions, with terms up to 25 years. For small business owners who do not qualify through conventional channels.
• SBA 504 Loans SBA 504 financing for owner-occupied commercial real estate projects up to $13.75 million with fixed-rate options and up to 90% combined LTV. For small business owners purchasing or developing owner-occupied commercial property.
• SBA Express Loans Streamlined SBA working capital loans from $50,000 to $150,000 with a 6.25% interest rate (WSJ Prime adjusted quarterly), 10-year fully amortized terms, no pre-payment penalty, and funding in 5–7 days. For small business owners needing fast working capital.
• SBA 504 Refinance Refinancing program for conventional commercial real estate loans with up to 90% LTV (or 75% with cash out) using SBA 504 below-market fixed 20-year rates, subject to a 51% owner-occupied requirement. For small business owners refinancing conventional commercial debt.
• Bridge Loans Short-term commercial bridge financing for property acquisitions, repositioning, and recapitalizations up to $5,000,000 with rates starting at 7.99%. For borrowers needing fast closings or transitional capital prior to permanent financing.
• Stated Income Loans No tax return required commercial and multifamily loans up to $5,000,000 for self-employed borrowers with debt service coverage ratios of 1.20x–1.25x, LTV up to 70%, fixed 3–5 year options, and quick closings. For self-employed borrowers who cannot document income through traditional means.
• Hard Money Loans Non-conventional, collateral-based loans for borrowers with poor credit or in foreclosure/bankruptcy situations, with loan amounts up to $5,000,000 and rates from 7.99%. For distressed-credit borrowers needing financing that conventional lenders will not provide.
• Commercial Loans Commercial mortgage loans for owner-occupied and investor properties including office, retail, industrial, hotel, warehouse, and self-storage properties. Routed through conventional bank, SBA, conduit, and portfolio lender channels. For commercial property owners and investors.
• NNN Financing Single-tenant triple net lease financing for credit tenants with loan amounts up to $50,000,000, LTV up to 75%, 25–30 year amortization with interest-only options, and non-recourse/assumable financing. For sale-leaseback and investment financing of corporate tenant properties (e.g., Walgreens, McDonald's, Starbucks).
• Conduit Loans Permanent fixed-rate CMBS conduit financing for income-producing commercial properties including hotels, offices, industrial, warehouse, retail, and mobile home parks. For commercial real estate investors seeking long-term, non-recourse fixed-rate capital.
• FHA Loans Federal Housing Administration insured residential mortgages with 3.5% down payment, seller credit up to 6% toward closing costs, low monthly mortgage insurance, DTI up to 56.99%, and options including streamline, 203K, and reverse mortgages. For individual homebuyers including those with limited credit history.
• VA Loans Veterans Affairs guaranteed loans with 100% financing, no PMI, competitive rates lower than conventional, and streamlined refinancing (IRRRL) without appraisal. For military borrowers and veterans.
• Bank Statements Only Loans Alternative documentation loans using 24 months of bank statements for self-employed borrowers with loan amounts from $100,000 to $3,000,000. For self-employed borrowers who cannot provide tax returns or W-2s.
• VOE Only Loans Verification of Employment only loans with no 4506-T tax transcript required, supporting loan amounts up to $3 million for U.S. citizens and $2 million for foreign nationals. For borrowers needing streamlined income documentation.
• Probate and Estate Loans Financing for estate properties in probate, supporting administrators, executors, trustees, heirs, and conservators. For fiduciaries and beneficiaries who need liquidity or financing on inherited real estate.
• Credit Report Service Credit report procurement service with a $42.85 non-refundable fee charged to borrowers for credit processing in connection with loan applications. For loan applicants across all HBS Finance programs.
• Construction Financing Construction and renovation loans for office buildings and multi-family apartment complexes. For developers and property owners undertaking ground-up construction or major renovation projects.
• Mezzanine Financing Interim financing solutions bridging senior debt and equity for various commercial property types. For sponsors and developers needing subordinate capital to complete a project's capital stack.
• Private Money Loans Non-traditional loans for borrowers with low credit scores, bankruptcies, high debt ratios, or those requiring quick closings. For borrowers unable to obtain conventional or government-backed financing.
• Rehab (Fix & Flip) Loans Short-term financing for property renovation and resale projects. For real estate investors acquiring distressed or value-add properties to renovate and resell.

Quantifiable outcome

• Multiple loan programs available including Conventional, SBA, CMBS, Fannie Mae, Freddie Mac, Portfolio, Life Insurance Companies & Private Funds
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• Cushman & Wakefield: Global CRE services firm with debt and structured finance advisory arranging commercial mortgages for institutional and private clients. Larger diversified player that competes with HBS at the upper end of CRE debt placement.
• Newmark: Major CRE services firm with capital markets/debt advisory that underwrites and places commercial mortgages alongside investment sales, valuation, and advisory. Broad incumbent overlapping with HBS's debt placement services within a wider portfolio.
• JLL Capital Markets: Global CRE services firm with a large debt advisory practice arranging investment sales, equity placement, and commercial mortgage origination. Larger incumbent that overlaps with HBS in CRE debt placement but as part of a broader full-service real estate platform.
• CBRE Capital Markets: World's largest CRE services firm with a debt placement and structured finance practice arranging commercial mortgages for institutional clients. Broad incumbent that competes with HBS for larger CRE debt mandates while serving a much wider service stack.

Direct peers

• Berkadia: Major commercial real estate finance and investment sales firm placing debt with Fannie Mae, Freddie Mac, HUD, CMBS, life companies, and banks. Highly comparable to HBS as a CRE debt intermediary covering multifamily, senior housing, and commercial mortgages nationwide.
• Walker & Dunlop: One of the largest US commercial real estate finance companies, originating and servicing multifamily loans via Fannie Mae, Freddie Mac, FHA, CMBS, and bank programs. Direct competitor to HBS Finance in commercial/multifamily mortgage origination with overlapping agency lending channels.
• Dougherty Mortgage LLC: Mid-sized CRE mortgage banking firm originating agency, CMBS, and portfolio loans for multifamily and healthcare properties. Comparable scale and business model to HBS as a non-bank CRE mortgage intermediary.
• Greystone: National CRE finance company providing debt origination, placement, and servicing across multifamily, healthcare, and commercial property types. Direct overlap with HBS in arranging mortgages via agency, CMBS, and balance-sheet lenders.
• Northmarq: Privately held commercial real estate capital intermediary placing debt with Fannie Mae, Freddie Mac, life companies, CMBS, and regional banks for multifamily and commercial properties. Closely mirrors HBS's lender-panel-driven brokerage model.

Emerging players

• LendingTree: Online consumer-mortgage and personal-loan marketplace aggregating multiple lenders' quotes. An emerging digital competitor that overlaps with HBS on the residential side and small-balance commercial/consumer lending through a fundamentally different (online) delivery model.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HBS Finance