Commercial lending | All 50 states

Private Lenders for commercial real estate.

Direct private lending for transactions requiring speed certainty and customized structures. 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

Private lending qualification

What Private Lenders Review Before Funding a Commercial Real Estate Loan

Qualification Profile

  • Sponsor track recordExperience owning, operating or repositioning comparable commercial real estate, and the team responsible for executing the plan.
  • Equity at risk and liquidityCash contributed to the transaction and the liquidity that remains available after closing to cover carry, reserves or cost overruns.
  • Reason for private capitalWhy a non-bank lender fits the request, whether that is timing, property condition, occupancy or a structure conventional lenders will not underwrite.

Property & Loan Considerations

  • Collateral value and basisAs-is value, purchase price or existing debt, and the leverage requested against that basis in an asset-based lending review.
  • Property condition and cash flowOccupancy, in-place income, deferred maintenance and capital needs that shape private real estate loan sizing.
  • Loan purpose and termAcquisition financing, refinance, recapitalization or a short term bridge loan, with a term matched to the business plan.
  • Reserves and structureInterest, renovation or leasing reserves, recourse and the extension options needed to support a transitional property.

Market Profile

  • Submarket fundamentalsRent levels, vacancy, absorption and supply trends that support the projected income and exit valuation.
  • Comparable sales and leasesRecent transactions that validate the as-is value, the stabilized value and the assumptions in the business plan.
  • Liquidity of the asset typeHow readily the property type trades or refinances in the market, which influences how private commercial real estate lenders view exit risk.

Execution & Underwriting Considerations

  • Business plan feasibilityRenovation scope, lease-up timeline and operating improvements, measured against budget and market evidence.
  • Exit strategyThe refinance into longer-term debt or the sale that repays the private loan, with the assumptions behind each path.
  • Closing requirementsTitle, appraisal, environmental, insurance and entity documentation needed to move from term sheet to funding.
  • Risk mitigantsGuarantees, cross-collateral, cash management or other structural protections that address the key risks in the transaction.

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

Private commercial lending

Private Real Estate Loans for Time-Sensitive & Transitional Assets.

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