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Commercial Real Estate Financing

Debt solutions for acquisitions development recapitalizations and transitional assets. Transaction positioning, direct lending, underwriting and closing support for qualifying opportunities nationwide.

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National Lending with $600+ Million in CRE Loan Requests Processed Monthly

CRE financing qualification

What Lenders Review for Commercial Real Estate Financing

Qualification Profile

Borrower and sponsor backgroundOwnership experience, financial statements and the track record of the principals behind the commercial real estate loan.
Investment or owner-occupied useWhether the property is held as an investment or occupied by the borrower’s business, which changes how income and credit are underwritten.
Equity and liquidityDown payment or cash equity, post-closing liquidity and the sources of capital supporting the transaction.

Property & Loan Considerations

Property type and conditionAsset class, age, physical condition and capital needs that shape commercial property financing options.
Income and debt service coverageRent roll, operating statements and net operating income measured against the proposed commercial mortgage payment.
Leverage and loan purposeRequested proceeds relative to value or cost for an acquisition, refinance, construction project or recapitalization.
Capital structureHow senior debt, mezzanine or preferred equity and, in some purchases, seller financing fit together in the total capitalization.

Market Profile

Location and demandEmployment, population and tenant demand trends that support occupancy and rents in the submarket.
Competitive supplyExisting and pipeline inventory that could affect leasing, rent growth or the value of the collateral.
Valuation supportComparable sales, capitalization rates and lease comparables used to confirm the value behind the loan.

Execution & Underwriting Considerations

Lender and program fitMatching the request to banks, life companies, agency, CMBS, debt funds or private capital based on the asset and the timeline.
Term sheet evaluationRate structure, amortization, prepayment terms, reserves, recourse and covenants compared across proposals.
Diligence and closingAppraisal, environmental, property condition, title and legal documentation coordinated through funding.
Long-term hold strategyHow the loan maturity, refinance risk and exit options align with the plan for investing in commercial real estate.

All financing opportunities remain subject to underwriting, diligence, documentation and capital-provider approval.

Commercial real estate financing

Financing Options to Buy, Build & Refinance Commercial Real Estate.

Commercial Real Estate Loans

CRE loans for office, retail, industrial, multifamily, hospitality and mixed-use properties across a range of transaction profiles.

Commercial Mortgages

Longer-term commercial mortgage financing for stabilized, income-producing properties and owner-occupied commercial buildings.

Acquisition Financing

Commercial acquisition financing for investors looking to buy commercial real estate, sized around value, income and sponsor equity.

Investment Property Financing

Investment real estate loans for rental and income-producing assets, including DSCR-based structures for qualifying properties.

Commercial Refinance

Commercial refinance options to replace maturing debt, adjust leverage or restructure an existing capital stack.

Bridge Financing

Short-term bridge financing for transitional assets, time-sensitive closings and properties being repositioned before permanent debt.

Construction Financing

Construction financing for ground-up development, major renovation and adaptive reuse projects with a defined budget and completion plan.

Structured & Private Capital

Mezzanine, preferred equity and private capital that fill gaps between senior debt, sponsor equity and any seller financing.

The commercial real estate loan process

From application to closing.

A successful financing process follows a clear, coordinated path. These five concise videos explain how a commercial real estate loan moves from the initial request through underwriting, documentation, and funding.