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Value‑Add Commercial Investor | 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
APPLY NOW!