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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
