SETTING THE STANDARD: A LEADING FULL-SERVICE PARTNER
Lending Corporation
Commercial Borrowers We Serve
COMMERCIAL INVESTOR PROFILE
Value‑Add Commercial Investor
You buy underperforming commercial assets with a defined plan to reposition—renovate, re-tenant, improve NOI, and exit to permanent financing or sale.
Best fit for: transitional assets • acquisition + capex • lease-up / stabilization
What you’re optimizing for
- Speed and certainty of execution
- Flexible underwriting on in-place income and vacancy
- Capex support during repositioning
- A clear takeout path after stabilization
Where traditional financing breaks down
- Banks discount transitional cash flow and vacancy
- Committee-driven timelines that miss contract dates
- Rigid DSCR / amortization during lease-up
- Appraisal and third-party delays
Property types we often see
- Office (Class B/C reposition)
- Retail strip centers
- Light industrial / flex
- Mixed-use (street retail + resi)
Typical loan use cases
- Acquire a mismanaged asset and fund targeted capex
- Bridge a property through lease-up to stabilization
- Refinance to pull equity after NOI improvements
Recommended loan products
Recommended loan products for this borrower profile:
- Commercial Bridge Loan (Acquisition / Reposition) — Fast close for purchase and repositioning; interest-only options; flexible DSCR during transition.
- Bridge + CapEx Facility — Single package that funds acquisition and improvement plan with structured draws.
- Stabilized DSCR Commercial Refi (Takeout) — Post-stabilization refinance to longer-term debt once NOI is proven.
Product fit map
This page is built to convert: it clarifies fit, addresses objections, and points to the right structure.
- Fast alignment on structure
- Clear underwriting signals
- Defined exit strategy
Strong fit indicators
- Experienced sponsor with a repeatable business plan
- Clear scope, timeline, and budget for capex
- Realistic stabilization assumptions (market rent, downtime, TI/LC)
- Defined takeout strategy (sale or DSCR perm)
Next steps
If this profile matches your transaction, the fastest path is to share a short deal summary:
- Property address + asset type
- Purchase price / current debt + requested loan amount
- In-place NOI / rent roll (or business financials for owner-occupied)
- Business plan: capex, leasing, timeline, exit
Lending Corporation
Commercial Borrowers We Serve
OWNER-OCCUPIED PROFILE
Owner‑Operator Entrepreneur
You own and operate a business and want the stability of owning your building—without getting boxed in by rigid bank underwriting.
Best fit for: owner-occupied purchase • cash-out for growth • partner buyouts
What you’re optimizing for
- Predictable payments
- Ability to grow the business without moving
- Common-sense analysis of income and write-offs
- Fast close when a location matters
Where traditional financing breaks down
- Write-offs reduce taxable income and bank “qualifying” income
- Complex entity structures and distributions
- Banks require pristine, standardized statements
- Slow approvals that jeopardize leases or purchase contracts
Property types we often see
- Office buildings
- Medical office (owner practice)
- Warehouse / distribution
- Flex industrial
Typical loan use cases
- Purchase an owner-occupied building
- Cash-out refinance for expansion
- Buy out a partner or restructure ownership
Recommended loan products
Recommended loan products for this borrower profile:
- Owner‑Occupied Commercial Mortgage — Longer-term stability with underwriting that reflects real operating cash flow—not just tax-return optics.
- Owner‑Occupied Cash‑Out Refinance — Access equity to expand operations, hire, or invest in equipment while keeping the property in place.
- Bridge to Owner‑Occupied Term Loan — Close fast when timing matters, then transition to longer-term debt once documentation is complete.
Product fit map
This page is built to convert: it clarifies fit, addresses objections, and points to the right structure.
- Fast alignment on structure
- Clear underwriting signals
- Defined exit strategy
Strong fit indicators
- Stable operating history or strong contracts/pipeline
- Clear occupancy plan and use of space
- Reasonable leverage and reserves
- Clean title and straightforward collateral
Next steps
If this profile matches your transaction, the fastest path is to share a short deal summary:
- Property address + asset type
- Purchase price / current debt + requested loan amount
- In-place NOI / rent roll (or business financials for owner-occupied)
- Business plan: capex, leasing, timeline, exit
Lending Corporation
Commercial Borrowers We Serve
CROSS-BORDER PROFILE
International Commercial Investor
You invest in U.S. commercial real estate for income and diversification, and you need lending that’s structured for foreign ownership with clear, compliant documentation.
Best fit for: US market entry • foreign ownership structures • streamlined documentation
What you’re optimizing for
- U.S.-based lending access
- Predictable documentation requirements
- Experience with entity structuring
- Efficient closing process
Where traditional financing breaks down
- Limited U.S. credit history
- Compliance friction and bank onboarding delays
- Unclear requirements until late in the process
- Cross-border timing and funding logistics
Property types we often see
- Multifamily
- Retail
- Industrial
- Hospitality (select markets)
Typical loan use cases
- First U.S. commercial acquisition
- Portfolio expansion
- Cash-out refinance to redeploy equity
Recommended loan products
Recommended loan products for this borrower profile:
- Foreign National Commercial Loan — Lending built for non‑U.S. sponsors with tailored documentation and ownership structures.
- Commercial Bridge Loan (Acquisition) — Close efficiently on U.S. assets—then stabilize and refinance to longer-term debt.
- Portfolio Expansion Facility — Scale across multiple U.S. assets with a consistent lender and repeatable process.
Product fit map
This page is built to convert: it clarifies fit, addresses objections, and points to the right structure.
- Fast alignment on structure
- Clear underwriting signals
- Defined exit strategy
Strong fit indicators
- Clear source of funds and ownership transparency
- Experienced local property management
- Clean entity structure (or willingness to simplify)
- Strong third-party team: counsel, CPA, property manager
Next steps
If this profile matches your transaction, the fastest path is to share a short deal summary:
- Property address + asset type
- Purchase price / current debt + requested loan amount
- In-place NOI / rent roll (or business financials for owner-occupied)
- Business plan: capex, leasing, timeline, exit
Lending Corporation
Commercial Borrowers We Serve
REFINANCE PROFILE
Commercial Refinance Strategist
You need to refinance existing debt due to maturity, rate resets, or performance shifts—and you care most about certainty of close under a deadline.
Best fit for: maturity payoffs • rescue capital • bridge to sale or stabilization
What you’re optimizing for
- Fast, reliable execution
- Clean payoff mechanics
- Flexibility for changing NOI or occupancy
- Minimal disruption to tenants and operations
Where traditional financing breaks down
- Balloon payments coming due
- New bank rules tightening DSCR and reserves
- Appraisal delays and committee timelines
- Capital events (partner disputes, litigation risk, insurance issues)
Property types we often see
- All stabilized or semi-stabilized commercial assets
Typical loan use cases
- Pay off a loan at maturity
- Refinance after NOI disruption or vacancy
- Provide time for a sale or recapitalization
Recommended loan products
Recommended loan products for this borrower profile:
- Maturity Rescue / Refinance Bridge — Deadline-driven takeout of existing debt with a clear plan to exit—sale, refinance, or stabilization.
- Stabilized DSCR Commercial Refinance — For stabilized assets seeking longer-term debt after restructuring or performance improvement.
- Bridge to Sale — Short-duration financing when the best outcome is an orderly sale without forced timing.
Product fit map
This page is built to convert: it clarifies fit, addresses objections, and points to the right structure.
- Fast alignment on structure
- Clear underwriting signals
- Defined exit strategy
Strong fit indicators
- Clear payoff statement and title path
- Transparent story on performance change
- Realistic exit plan with dates and milestones
- Borrower responsive and organized under time pressure
Next steps
If this profile matches your transaction, the fastest path is to share a short deal summary:
- Property address + asset type
- Purchase price / current debt + requested loan amount
- In-place NOI / rent roll (or business financials for owner-occupied)
- Business plan: capex, leasing, timeline, exit
Lending Corporation
Commercial Borrowers We Serve
PORTFOLIO INVESTOR PROFILE
Commercial Portfolio Builder
You scale a multi-property commercial portfolio and need repeatable capital—efficient closings, consistent terms, and capacity that grows with you.
Best fit for: repeat acquisitions • portfolio refinances • blanket / cross-collateral structures
What you’re optimizing for
- Capacity for multiple concurrent deals
- Predictable process and underwriting consistency
- Exposure flexibility beyond bank limits
- Streamlined docs for repeat closings
Where traditional financing breaks down
- Bank exposure limits cap growth
- Re-underwriting every deal from scratch
- Inconsistent credit committee decisions
- Timing mismatches across multiple closings
Property types we often see
- Multifamily (5+ units)
- Retail
- Industrial
- Office
Typical loan use cases
- Portfolio refinance to recapitalize and redeploy equity
- Acquire multiple assets in a short window
- Consolidate debt and simplify ownership structures
Recommended loan products
Recommended loan products for this borrower profile:
- Portfolio / Blanket Loan — Consolidate multiple properties under one facility; reduce friction and improve scalability.
- Stabilized DSCR Commercial Loan — For stabilized assets where you want longer-term debt and predictable payments.
- Commercial Bridge Line for Acquisitions — A repeatable bridge structure for rapid closings—then refinance or sell when stabilized.
Product fit map
This page is built to convert: it clarifies fit, addresses objections, and points to the right structure.
- Fast alignment on structure
- Clear underwriting signals
- Defined exit strategy
Strong fit indicators
- Track record with similar assets
- Portfolio-level reporting discipline
- Clear plan for each asset (stabilized vs. value-add)
- Experienced property management in place
Next steps
If this profile matches your transaction, the fastest path is to share a short deal summary:
- Property address + asset type
- Purchase price / current debt + requested loan amount
- In-place NOI / rent roll (or business financials for owner-occupied)
- Business plan: capex, leasing, timeline, exit
Lending Corporation
Commercial Borrowers We Serve
DEVELOPMENT PROFILE
Commercial Developer
You execute ground-up or major redevelopment projects and need a lender comfortable with real development timelines, draws, and a path to stabilization.
Best fit for: construction • major redevelopment • bridge-to-stabilization
What you’re optimizing for
- Construction funding with fair draw mechanics
- Flexibility around lease-up and pre-leasing
- A lender who understands entitlements and timelines
- Bridge-to-perm clarity early
Where traditional financing breaks down
- Rigid bank construction guidelines
- Pre-leasing requirements that don’t match market reality
- Excessive equity demands and slow approvals
- Draw friction that delays contractors and schedules
Property types we often see
- Mixed-use
- Industrial parks / warehouses
- Retail developments
- Medical / specialty commercial
Typical loan use cases
- Ground-up development
- Major redevelopment / adaptive reuse
- Bridge from construction completion to stabilization
Recommended loan products
Recommended loan products for this borrower profile:
- Construction & Development Loan — Draw-based funding with project oversight.
- Bridge to Stabilization — Carry through lease-up post-CO.
- Construction-to-Permanent Pathway — Defined takeout strategy.
Product fit map
- Fast alignment
- Clear underwriting signals
- Defined exit strategy
Next steps
If this profile matches your transaction, share a short deal summary:
- Property address + asset type
- Loan request + capital stack
- NOI / rent roll
- Business plan & exit