• Loan Amounts: $1,000,000 – $50,000,000+

• Loan-to-Value (LTV): Up to 70%–75%

• Loan-to-Cost (LTC): Up to 80%–85% (for value-add deals)

• Term Length: 12–36 months

• Interest Structure: Interest-only payments common

• Prepayment: Typically flexible (often no penalty or short lockout)

Commercial Real Estate Acquisitions

• Typically 65%–75% LTV

• Higher leverage possible on strong deals or experienced sponsors

• Designed for fast closings and time-sensitive opportunities

Value-Add / Repositioning Projects

• Up to 70%–75% LTV (based on current value)

• Up to 80%–85% LTC (including renovation costs)

• Focus on after-repair value (ARV) and business plan

Lease-Up / Stabilization

• Typically 65%–75% LTV

• Based on in-place income + projected stabilization

• Used to transition property to permanent financing

Refinancing Maturing Debt

• Typically 65%–75% LTV

• Provides time to restructure or improve property performance

• Helps avoid forced sale or unfavorable refinancing

Transitional Financing (Pre-Sale or Refinance)

• Typically 60%–75% LTV

• Short-term hold while executing exit strategy

• Structured around clear refinance or sale plan

SPEED & CERTAINTY OF EXECUTION

• Close quickly to secure time-sensitive opportunities.

FLEXIBLE UNDERWRITING

• Focused on asset value and business plan—not just current cash flow.

INTEREST-ONLY PAYMENTS

• Lower payments during the hold period to preserve cash flow.

BRIDGE TO PERMANENT FINANCING

• Allows time to stabilize and refinance into SBA, conventional, or DSCR loans.