Building Opportunities in Real Estate Investment

Commercial Real Estate Loans

Understanding Your Financing Options

Lending Overview

A commercial real estate loan is a loan used to purchase, refinance, or develop commercial property. Commercial real estate loans are typically larger and have longer terms than residential mortgages. They can be used to finance a variety of property types, including office buildings, retail centers, warehouses, and apartment buildings. For each type of property, there are many different types of commercial real estate loans available, each with its own advantages and disadvantages. Some of the most common types of CRE loans sourced in Jacksonville, FL are conventional loans, SBA loans, hard money loans, and term loans. Commercial real estate loans are a valuable tool for investors and small business owners who are looking to purchase or refinance a commercial property. By understanding the different types of CRE loans available, you can choose the right loan for your needs. A qualified broker can help you identify the best deals on CRE financing.

Maximizing Your Financial Resources

How to Effectively Apply Funds

In addition to buying property to expand a business, businesses can utilize CRE loans to finance the purchase and renovation of properties that are intended for resale, commonly known as “fix and flip” real estate. Another common use case for CRE loans in Jacksonville, Florida and throughout the intermountain West. is the purchase of an office building to house a business’s operations. The loan covers both the purchase price of the building and any necessary renovations. The business can then occupy a portion of the building and rent out the remaining space to other tenants, generating rental income. To learn more about CRE loans and how they can be used to finance your business’s real estate needs, it is important to contact a qualified broker.

Streamlined Steps to Your Loan Approval

Our Process

PRE APPROVAL

We evaluate your business based on your unique operating structure and objectives. You’ll receive financing options based on what it is you want to achieve.

LOAN SELECTION

Together we will hone in on the options and pathways to capital that make sense. We vet multiple lenders to match you with the right money.

PATH TO CLOSE

Whether your loan is fast-closing or carefully vetted, we work with you and your lender to package it and facilitate a smooth close to shorten your time to funding.

Versatile Solutions for Real Estate Ventures

Unlock the Potential of Your Property

Harness the power of our Commercial Real Estate Loans to finance a variety of projects, from purchasing new properties to renovating existing ones. Tailored to meet the unique demands of your real estate portfolio, our loans offer the financial flexibility to turn your real estate goals into tangible achievements.

Conventional Loans

Conventional real estate loans remain a popular financing option for both homebuyers and investors. Typically offered by traditional financial institutions such as banks or credit unions, these loans are often backed by government-sponsored entities like Fannie Mae or Freddie Mac. They generally feature competitive interest rates and favorable terms, making them an appealing choice for those looking to purchase or refinance property. However, qualifying for a conventional loan can be challenging due to the stringent credit requirements and the need for substantial documentation. To determine whether a conventional real estate loan suits your needs, consider consulting with a mortgage broker who can guide you through the process.

Mezzanine Financing

Mezzanine financing provides a strategic funding solution for commercial real estate investors looking to bridge the gap between debt and equity. Typically structured as a hybrid of debt and equity financing, mezzanine loans offer subordinated debt that ranks below senior debt but above equity in the capital structure. This can allow borrowers to leverage their investments more effectively without diluting ownership. While interest rates are generally higher compared to traditional debt due to the increased risk, the flexibility and speed of mezzanine financing make it an attractive option for large-scale developments or acquisitions requiring swift execution. Investors pursuing mezzanine financing should thoroughly evaluate the terms and consult with experienced financial advisors to ensure alignment with their long-term investment strategy and to optimize the potential benefits of this unique financial instrument.

Private Financing

Private financing, also known as hard money loans, offers a viable solution for investors seeking swift funding for short-term commercial real estate projects. Made by private lenders, these loans are generally easier to obtain compared to conventional loans, even for those with less-than-perfect credit. However, the convenience of quick approval and less stringent documentation does come at a higher cost, as hard money loans typically carry higher interest rates and fees. Despite this, the speed of approval, often within days, can be a critical advantage for real estate investors looking to capitalize on timely opportunities. Consulting with experienced brokers can help you navigate the landscape of private financing, ensuring you secure the best possible terms for your investment needs.

Strategic Benefits for Savvy Investors

Advantages

Capitalize on the opportunity to expand, develop, or refinance with our Commercial Real Estate Loans. Enjoy competitive rates and flexible terms that help you manage costs effectively while maximizing your investment potential.

Fast & Convenient

Easy Closing

Asset Based

Short Term

Answers to Your Key Questions

FAQ’s

Q. Do hard money loans require collateral?
Yes, hard money loans are asset-based, meaning they use a business asset as collateral on the loan. Talk to your broker about credit-based loans if you lack collateral or don’t want to risk losing assets.
Q. Do I need a good credit score to qualify for a hard money loan?
Not necessarily. Since hard money loans use the value of an asset to secure the loan, the lender is more concerned with LTV or ARV than a high credit score. Rates for secured loans are also lower, because the lender’s risk is reduced by the presence of collateral. Ask your broker how to qualify for asset-based options and credit repair solutions.
Q. How long does it take to get approved for a hard money loan?
Hard money loans enable investors to act quickly, which is one of their primary advantages. Expect your loan approval to come in under a week, as opposed to months with traditional lenders. Ensuring your application is complete will also accelerate the approval process. Your broker can give you more tips for speeding up the loan process.
Q. What happens if I default on a hard money loan?
It is in your lender’s best interest not to have you default on your loan, so they will often help with payment arrangements to prevent a default from happening. If, however, you end up defaulting on the loan, the lender has the ability to collect any collateral used to obtain the loan. A knowledgeable broker can help negotiate on your behalf and analyze your financial outlook before you commit to a loan.

Apply For Funding Today

Our no-obligation pre-approval gives you the information you need to know about loan types and options to help you move ahead, even if you’ve been denied elsewhere.