Asset Profile
Building class, location, floor plates, amenities and physical condition.
Property type financing
Office financing built around the business plan.
Office building loans for central business district, suburban, medical and specialized office properties. Fox Equity Partners arranges office property financing for acquisitions, refinancing, leasing and repositioning, structured around tenancy, lease expirations and a clear capital plan.
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Office financing perspective
How lenders evaluate office property financing.
Commercial office loans are underwritten on tenant quality, lease expirations and the capital required to retain or replace tenants. Lenders review the rent roll, weighted average lease term, concessions, tenant improvement allowances and leasing commissions, along with building class and location.
Common requests include office acquisition financing for well-leased buildings, office refinance to address maturing debt, bridge capital for buildings with significant vacancy or near-term rollover, and financing for conversions or repositioning to medical or alternative uses.
Lenders place significant weight on the sponsor’s leasing plan and liquidity. Office structures frequently include leasing reserves, cash management and future funding for tenant improvements, and may pair senior debt with mezzanine financing or preferred equity.
Tenancy & Expirations
Tenant credit, occupancy, weighted average lease term and rollover schedule.
NOI & DSCR
In-place income net of concessions and debt service coverage at the requested loan.
Leasing Plan & Exit
TI, leasing commissions and capital work, and the refinance or sale that follows.
Office underwriting
What Lenders Review for Office Building Loans
Tenancy & Income
- Tenant qualityTenant credit, industry concentration and the largest tenants’ share of income.
- Lease expirationsRollover during the loan term and the probability of renewal.
- Effective rentsRents net of free rent, concessions and tenant improvement allowances.
Asset Considerations
- Class A/B/C positioningBuilding quality and amenities relative to competing office space.
- Tenant improvementsCost to build out vacant or renewing space and how it is funded.
- Capital needsBuilding systems, common areas and deferred maintenance.
Market Profile
- Market vacancySubmarket vacancy, sublease availability and net absorption.
- Location qualityTransit, amenities and proximity to the tenant base.
- Alternative usePotential for medical, residential or other conversion if office demand softens.
Sponsor & Execution
- Leasing track recordExperience leasing and repositioning comparable office buildings.
- LiquidityCapacity to fund leasing costs and carry the property through rollover.
- Exit strategyRefinance or sale supported by stabilized occupancy and lease term.
All financing opportunities remain subject to underwriting, diligence, documentation and capital-provider approval.
Office financing options
Office Property Financing Built Around the Leasing Plan.
01
Office Acquisition Financing
Senior loans for well-leased CBD, suburban and medical office acquisitions.
02Office Commercial Mortgage
Longer-term debt for stabilized office buildings with durable tenancy.
03Office Bridge Loans
Short-term financing for buildings with vacancy, rollover or repositioning needs.
04Office Refinance
Refinancing maturing office debt with structure matched to the lease schedule.
05Leasing & TI Financing
Future funding for tenant improvements and leasing commissions as space is leased.
06Office Conversion Financing
Capital for repositioning office buildings to medical or alternative uses.
07Office Mezzanine Financing
Subordinate capital that adds proceeds above the senior office loan.
08Private Office Lending
Non-bank financing for transitional office buildings or time-sensitive closings.
Property-specific considerations
Office-specific considerations.
Office lenders focus on how reliably income will continue through the loan term.
Tenancy
Creditworthy, diversified tenancy supports stronger proceeds and terms.
Lease expirations
Rollover concentrated before maturity typically requires leasing reserves.
Occupancy
Physical and economic occupancy establish in-place cash flow.
Tenant improvements
Build-out costs for new and renewing tenants reduce net cash flow.
Market vacancy
Submarket vacancy and sublease space shape leasing assumptions.
Class A/B/C positioning
Building quality relative to competitors affects leasing velocity and rents.
Major markets
Explore local commercial real estate financing resources.
Market pages address local transaction considerations and link to every core property type.
New York, NYPopulation 8,804,190↗Los Angeles, CAPopulation 3,820,914↗Brooklyn, NYPopulation 2,736,074↗Chicago, ILPopulation 2,664,452↗Queens, NYPopulation 2,316,841↗Houston, TXPopulation 2,314,157↗Phoenix, AZPopulation 1,650,070↗Philadelphia, PAPopulation 1,573,916↗San Antonio, TXPopulation 1,526,656↗Manhattan, NYPopulation 1,487,536↗San Diego, CAPopulation 1,404,452↗The Bronx, NYPopulation 1,385,108↗
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