Custom commercial property financing to fit any size or need.

Conventional Bank CRE (Portfolio). Balance-sheet loans for stabilized multifamily, retail, office, and industrial, plus owner-user real estate. Pricing is strong but covenants are tighter, and most deals require full or partial recourse.

SBA 7(a) (Owner-Occupied). Flexible government-guaranteed program for buying, refinancing, or improving property when the business will occupy ≥51% (≥60% for new builds). Great for goodwill, business acquisition, and working capital add-ons, though it carries fees and typically full personal guarantees.

SBA 504 (Owner-Occupied). 50/40/10 structure (bank/CDC/borrower) that delivers a long, fixed-rate CDC second for major fixed assets. It offers high effective leverage and stable payments, but closing has more steps and use restrictions.

USDA B&I / REAP (Rural/Energy). Government-guaranteed loans for eligible rural businesses and renewable/efficiency projects. They can push leverage and term, but require clear rural ties and program compliance.

Agency Multifamily – Fannie Mae DUS. Non-recourse loans for stabilized 5+ unit apartments with options for Small Balance and green incentives. Expect competitive leverage and supplemental loans later, but standard prepay (YM/defeasance) applies.

Agency Multifamily – Freddie Mac Optigo. Similar non-recourse execution for stabilized multifamily, including a robust Small Balance program. Flexible structures and competitive pricing make it a go-to for stabilized cash-flowing assets.

HUD/FHA 221(d)(4) (Construction/Sub Rehab). One-stop construction-to-perm for multifamily with very long amortization and non-recourse. Maximum term/leverage is the draw, but timelines are long and Davis-Bacon/third-party diligence is intensive.

HUD/FHA 223(f) (Stabilized Refi/Acq). Long-term, non-recourse permanent debt for stabilized multifamily with strong leverage. Execution is slower than agency, but rates and terms can be unmatched for long-hold strategies.

Life Company Loans. Insurance companies lend on prime, low-risk assets at lower leverage with excellent rates and long terms. It’s ideal for core sponsors and trophy properties, but not for heavy leverage or story deals.

CMBS (Conduit). Pooled, securitized loans offering non-recourse capital for stabilized properties across many markets and asset types. Structure certainty and leverage are strengths, but servicing is rigid and prepay is costly.

Bridge / Value-Add. Short-term, interest-only capital for lease-up, cap-ex, and repositioning with business-plan-driven underwriting. It’s fast and flexible with higher rates, so your exit to perm debt must pencil.

Construction (Non-HUD). Bank or debt-fund facilities for ground-up or heavy rehab across CRE asset classes. Proceeds are LTC-driven, draws are monitored, and sponsor/GC experience matters a lot.

DSCR Investor Loans (SFR-to-Small Multi). Underwrite to property cash flow for 1–4 units and small 5+ portfolios, typically with 30-year terms and IO options. Useful for portfolio investors who want doc-light execution, but expect prepay penalties.

Hard Money / Private Money. Expensive, short-term capital for quick closes, title hair, land, or unusual stories. It buys time and certainty when nothing else fits, but should be used as a bridge to a cheaper takeout.

Mezzanine / Preferred Equity. Gap capital behind senior debt to boost total leverage into the 80s–90s of cost/value. It’s generally non-recourse but comes with intercreditor complexity and higher all-in cost.

Asset-Based Lending (ABL). Revolving lines and terms secured by A/R, inventory, and sometimes equipment. Great for working-capital swings, but borrowing bases and monitoring add operational rigor.

Equipment Financing / Leases. Fixed-term loans or leases secured by machinery, vehicles, medical, or tech equipment. It matches payments to useful life and preserves bank lines, though residuals and end-of-term options matter.

Business Acquisition Loans. Fund stock or asset purchases of operating companies, often via SBA 7(a) with seller carry support. Underwriting centers on global cash flow and transition plan quality.

Invoice Factoring / PO Finance. Short-term advances against receivables or purchase orders to smooth cash gaps. It’s fast and collateral-driven, but fees can be high, so plan the path to cheaper capital.

Merchant Cash Advance (MCA). Expensive, daily/weekly remittance capital tied to card receipts or deposits. Use only as a last resort with a clear turnaround or refinance plan.

Affordable Housing – LIHTC + Tax-Exempt Bonds. Layered capital stacks pair credits/bonds with senior perm (Agency/HUD) and local soft funds. They deliver high effective leverage and mission alignment, but timelines and compliance are intricate.

Hospitality Programs. Owner-op hotels often pencil with SBA 7(a)/504, while stabilized assets target bridge → CMBS takeouts. Flags, PIPs, and operating strength drive proceeds and pricing.

Medical / Professional Carve-Outs. Banks and some agencies/life companies offer favorable structures for dental/medical/vet practices and MOBs. Expect higher LTV for owner-users and equipment add-ons bundled in.

Nonprofit / Faith-Based. Banks/CDC lenders and sometimes NMTC support community facilities with mission-aligned underwriting. Liquidity, pledges, and sponsor stability are critical.

Green / PACE. Property-assessed financing funds energy upgrades via a tax assessment senior to the mortgage. It’s long-tenor and off-balance-sheet friendly, but requires senior-lender consent for refi/sale.

Industrial / Energy (USDA REAP / DOE). Grants and loans for renewables and industrial efficiency with long terms and attractive leverage. Expect detailed eligibility tests and longer approval cycles.