Access Existing Equity
Release a portion of the equity in a property you already own, subject to valuation and lender leverage limits.
Private Real Estate FinancingCash-Out Refinance
Cash-Out Refinance
Loan
Put existing real estate equity to work. Explore business-purpose cash-out refinancing for commercial buildings, investment properties, multifamily assets, and qualifying residential collateral. Share your transaction details to review available private financing options.
Commercial Real Estate · Investment Properties · Business-Purpose FinancingRequest your refinance quote Call Now - 866-217-7741 →Cash-out refinance financing options
Access Equity Across Multiple Property Types.
Lenders size a cash-out refinance on appraised value, existing liens, property income and a documented business or investment use of proceeds. Eligibility varies by lender, property and state.
Equity × Income × Purpose01
Commercial Real Estate
Office, retail, industrial and other income-producing commercial buildings with equity available above existing debt.
Request terms →02Multifamily Properties
Apartment buildings and multifamily rentals refinanced on appraised value, rent roll and operating history.
Request terms →03Single-Family Rental Investments
Non-owner-occupied single-family rentals held for investment, individually or as part of a portfolio.
Request terms →04DSCR Investment Properties
Rental properties evaluated primarily on property cash flow and debt-service coverage under lender criteria.
Request terms →05Mixed-Use Properties
Buildings combining residential, retail or office income, underwritten across each income stream.
Request terms →06Industrial & Warehouse Properties
Warehouse, distribution, flex and small-bay industrial assets reviewed for tenancy and functionality.
Request terms →07Retail & Office Properties
Neighborhood retail, single-tenant and office properties evaluated on lease terms and tenant credit.
Request terms →08Qualifying Business-Purpose Residential Collateral
Residential real estate considered only when proceeds are primarily for a legitimate business purpose and lender, licensing and legal requirements are met.
Request terms →Business-purpose financing benefits
Unlock Capital Without Selling Your Property.
A business-purpose cash-out refinance can turn existing equity into capital for the next opportunity while the property stays in your portfolio. Every outcome depends on underwriting and lender approval.
Capital × Flexibility × ReviewFinance Business Expansion
Direct proceeds toward growth, equipment, new locations or working capital for an operating business.
Acquire Additional Properties
Use equity from one asset toward the purchase of another income-producing property.
Refinance Existing Debt
Replace a maturing or higher-cost mortgage and consolidate eligible business obligations.
Fund Capital Improvements
Finance renovations or upgrades intended to support rents, occupancy or long-term value.
Evaluate Flexible Loan Structures
Compare term, amortization, recourse and prepayment options across lenders before committing.
Explore Private Lending Options
Review private and alternative capital sources when a conventional lender is not the right fit.
Review Opportunities Nationwide
Submit properties across the United States for review, subject to state availability and licensing.
Capital option comparison
Cash-Out Refinancing vs. Other Capital Options
Each structure serves a different objective. This overview compares how they are generally used; actual terms depend on the property, borrower and lender.
| Consideration | Business-Purpose Cash-Out Refinance | Traditional Commercial Refinance | Commercial Bridge Financing |
|---|---|---|---|
| Primary purpose | Release equity from a property already owned for a documented business or investment use | Replace existing debt to change rate, term or lender without a material increase in balance | Provide short-term capital while a property is acquired, repositioned or stabilized |
| Access to existing equity | Primary objective; proceeds above payoff are released to the borrower | Limited; proceeds are generally sized to retire the existing loan and costs | Possible in some structures, usually tied to the business plan rather than equity release |
| Typical property situations | Stabilized or income-producing properties with meaningful equity above existing liens | Stabilized properties approaching maturity or seeking different loan terms | Transitional properties with vacancy, renovation needs or time-sensitive closings |
| Underwriting focus | Appraised value, loan-to-value, property cash flow, borrower strength and use of proceeds | Property performance, debt-service coverage and borrower credit | As-is and projected value, business plan execution, sponsor experience and exit |
| Repayment considerations | Longer-term amortization or a defined refinance or sale, depending on the structure | Amortization over the new loan term or refinance at maturity | Short-term payoff through a permanent refinance or sale once the plan is complete |
| Appropriate use cases | Acquisitions, business expansion, capital improvements and recapitalizations | Lowering cost, extending maturity or changing lenders on a stable asset | Value-add plans, lease-up, maturity gaps and acquisitions that need speed |
Rates, leverage, fees and timelines are not quoted here and depend on the asset, borrower, use of proceeds and lender requirements.
Confidential financing review
Request your free financing review ↗Ready to Discuss Your Cash-Out Refinance?
Tell us about your property and financing objectives. Fox Equity Partners can help assess whether a business-purpose cash-out refinancing option may fit your transaction.