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Capitalize

Capitalize has been a California-based Commercial Lending Mortgage Banker since 1995.

Capitalize has helped our clients successfully acquire capital exceeding $20 billion to meet the most demanding commercial real estate lending requirements. Benefits of working with Capitalize:

* With a combined 60 years of Commercial Banking experience from company leaders Alan Rurik and Tom Walker, you will be leveraging a team that understands the mortgage lending nuances associated with fundi

ng a wide variety of Commercial real estate projects.
* We have a proven track record in providing faster, simpler and more reliable service and solutions to its customers.
* Our team solves problems with the focus of always achieving superior outcomes.
* We have built a reputation that customers and borrowers can rely on and trust, as we’ve built a company-wide culture that fosters ethical behavior and decision making.
* We have built an exemplary portfolio by knowing what minimizes risk for both lenders and investors.
* With our extensive network of funding sources, and many long-standing institutional lending relationships, we have all the tools needed to find a Commercial Loan for the most challenging and demanding projects.

04/08/2026

Mortgage Banking Delivered!
Builders and developers: access to the right capital can make or break your timeline—and your returns.

At Capitalize, we recently arranged an acquisition and development loan for a 45-lot residential project in Northern California. Beyond simply closing the land financing, we also structured a construction revolver—giving our client a clear, reliable path to fund the vertical build of single-family homes without delays or capital gaps. The result? A streamlined financing solution from dirt to doors.

If you're navigating land acquisition, development, or home construction and want a capital partner who understands how to structure deals that actually work in the field, let’s connect.

04/02/2026

Mortgage Banking Delivered!

We secured financing for a single-tenant medical office building in Athens, GA as part of a 1031 exchange—delivering a structure designed for both stability and flexibility:

✔️ 10-year fixed rate (reset after 5 years)
✔️ 30-year amortization
✔️ No prepayment penalty

Whether you're navigating a 1031 exchange or refinancing an existing asset, having the right loan structure matters.

Capitalize is ready to help you execute.

Reach out to discuss your next opportunity.

03/25/2026

Mortgage Banking Delivered!
We secured a $13.3M refinance for a 66,000 SF office building in downtown Fresno—soon to be the new Fresno Police Headquarters. This project marks an exciting chapter in downtown Fresno’s growth, and we’re proud to support such a transformative community development.

Loan Highlights: 20-year term / 20-year amortization, variable rate with the option to lock at any time for ultimate flexibility.

Looking to refinance? CAPITALIZE can help you find the best financing solution for your next project.

11/04/2025

Big things are happening at Fancher Creek Town Center in Fresno!

Stores are opening, the landscaping is nearly complete, and the community's newest regional shopping center is coming to life.

Capitalize was proud to arrange the construction financing behind this exciting development. Looking to bring your project to life? Let us lead you through the construction financing process

10/29/2025

💀🎃Capitalize — where even your scariest loan gets approved!🎃💀

10/17/2025

Mortgage Banking - Delivered! Capitalize has successfully closed another permanent loan on a prime retail property in Central California.

One of our trusted correspondent life insurance companies provided an exceptionally competitive loan, which was highly regarded by the client.

The client intends to hold the property for the long-term, and the terms of the loan align seamlessly with their investment strategy.

09/25/2025

Mortgage Banking – Delivered! Capitalize has successfully closed another permanent loan, refinancing a multi-tenant light industrial property in Boise, ID.

This loan features a flexible 10-year term (5 + 5), with an optional rate reset after the first 5 years, allowing the borrower to capitalize on potential lower rates in the future.

If your current loan is nearing maturity and you’re unsure about your next steps, give us a call. We’re confident we can design a tailored solution to meet your unique needs.

09/04/2025

Mortgage Banking – Delivered! Capitalize has successfully closed another permanent loan, refinancing an office project in Central California and delivering immediate cash-out proceeds to our client. The loan features a 5-year term with a highly flexible prepayment structure, offering both stability and optionality.

If your current lender won’t extend your office loan, don’t let that stop your progress. It may be a challenge—but it’s far from the end of the road. Give us a call. At Capitalize, we specialize in crafting solutions tailored to your project’s needs.

08/11/2025

Mortgage Banking - Delivered! Another bridge loan closing...Capitalize recently provided a three-year bridge loan secured by a 132,000 SF neighborhood shopping center in Central California. The loan featured a fixed interest rate, an interest-only structure for the full term, and no prepayment penalty.
In today's interest rate environment, locking into a long-term loan with steep prepayment penalties can limit your flexibility. That's why we offer a range of customized financing solutions-both fixed and variable rate options-designed to align with your investment strategy. Looking for flexibility without compromise? Give us a call.

06/11/2025

Mortgage Banking – Delivered! Another permanent loan closing….. Capitalize provided financing to refinance a townhome rental portfolio in Central California. The loan featured a 5-year interest-only period, 65% loan-to-value (LTV), 1.20x debt service coverage ratio (DSCR), and was non-recourse. If you're planning to build or refinance a rental project—whether it's single-family build-to-rent or traditional multifamily—contact us today. We offer a range of loan structures with competitive fixed and variable rates, customized to fit your investment strategy.

03/11/2025

Mortgage Banking - Delivered! Another permanent loan closing... Capitalize provided the debt to perfectly execute a 1031 tax exchange on a single tenant medical building in the great State of Texas. If you are looking to acquire an investment property or simply need to refinance? Give us a call, we offer a variety of loan terms at competitive fixed and variable rates that are tailored to your needs.

02/18/2025

Mortgage Banking - Delivered! Another permanent loan closing...
Capitalize recently provided a permanent loan to acquire a multi-tenant retail center in Northern California. If you are looking to acquire an investment property or simply need to refinance? Give us a call, we offer a variety of loan terms at competitive fixed and variable rates that are tailored to your needs.

Address

1398 W Herndon Avenue Suite #101
Fresno, CA
93711

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+15592443100

Website

https://www.capitalize.cc/

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