Conventional permanent loans are a popular choice for borrowers seeking long-term financing for various commercial real estate projects. These loans are typically offered by traditional lenders, such as banks and credit unions, and are not backed by government agencies. Conventional permanent loans provide borrowers with stability and flexibility, offering competitive interest rates, customizable terms, and a range of loan amounts. Whether for the purchase, refinancing, or renovation of commercial properties, conventional permanent loans offer borrowers the opportunity to secure financing that aligns with their specific needs and goals. With the ability to choose from a variety of lenders and loan structures, borrowers have the freedom to find the best terms and conditions that suit their commercial real estate investment strategy.

Conventional construction loans are a common financing option for new development projects. These loans provide funds to cover the costs associated with constructing a property, including land acquisition, construction materials, labor, and other expenses. Unlike permanent loans, which are used to finance completed properties, construction loans are specifically designed for the construction phase of a project. During the construction period, borrowers typically make interest-only payments based on the amount drawn from the loan to cover construction-related expenses. Once the construction is complete, the loan can be converted into a permanent mortgage or refinanced. Conventional construction loans offer flexibility in terms of project size, property type, and repayment options. They are typically provided by banks, credit unions, or other financial institutions and are subject to the lender's underwriting criteria and project feasibility assessments. These loans play a crucial role in helping developers and investors bring their construction projects to fruition by providing the necessary funding throughout the construction process.

Bridge loans are short-term financing options designed to provide interim financing until a more permanent or long-term solution is obtained. They are commonly used in real estate transactions to bridge the gap between the purchase of a new property and the sale of an existing one. Bridge loans offer borrowers quick access to capital, allowing them to seize time-sensitive investment opportunities or address immediate financial needs. These loans are typically secured by the property being purchased or other collateral, and they are often characterized by higher interest rates and shorter repayment terms compared to traditional loans. Bridge loans are valued for their flexibility and speed, as they can be arranged and funded quickly, enabling borrowers to take advantage of favorable market conditions or navigate through temporary financial challenges. Whether it's acquiring a new property, renovating an existing one, or overcoming cash flow gaps, bridge loans provide a temporary financial bridge to help borrowers achieve their real estate objectives.

Mezzanine loans are a form of financing that combines debt and equity elements, providing borrowers with additional capital beyond what traditional senior loans can offer. These loans are typically subordinate to senior debt but senior to equity, hence the name "mezzanine." Mezzanine financing is commonly used in real estate and corporate transactions to fill the gap between the amount of equity a borrower has invested and the senior debt provided by a lender. It serves as a flexible funding source to support various purposes such as property acquisitions, expansions, recapitalizations, or growth initiatives. Mezzanine loans often carry higher interest rates and may include an equity component, such as warrants or an option to convert into equity ownership. They provide borrowers with access to additional funds while preserving ownership and control of their assets. Mezzanine financing can be an attractive option for borrowers seeking a higher leverage ratio or those with limited equity capital. It offers the potential for enhanced returns and can be structured to align with the specific needs and goals of the borrower.

The Agency Multifamily loan program, backed by Fannie Mae and Freddie Mac, offers borrowers access to financing options specifically designed for multifamily properties. Fannie Mae and Freddie Mac are government-sponsored enterprises that provide liquidity to the housing market. Through this program, borrowers can benefit from competitive interest rates, flexible terms, and specialized loan products tailored to multifamily investments. These loans are well-suited for acquisitions, refinancing, or rehabilitation projects for apartment buildings, providing borrowers with reliable and affordable financing solutions. With the backing of Fannie Mae and Freddie Mac, borrowers can have confidence in the stability and support of these established institutions throughout the loan process.

FHA multifamily loans are a specialized financing option designed to support the development and preservation of affordable rental housing. Backed by the Federal Housing Administration (FHA), these loans offer favorable terms and low down payment requirements, making them an attractive choice for borrowers involved in multifamily property projects. FHA multifamily loans provide borrowers with long-term, fixed-rate financing options, ensuring stability and predictability for property owners and investors. These loans are specifically tailored to meet the unique needs of multifamily projects, including new construction, substantial rehabilitation, or the acquisition and refinancing of existing properties. With the support of FHA insurance, borrowers can access capital from approved lenders to fund their multifamily ventures while benefiting from competitive interest rates and longer loan terms. FHA multifamily loans play a vital role in promoting affordable housing options and facilitating the growth and sustainability of multifamily communities.

Credit Tenant Lease (CTL) financing is a specialized form of commercial real estate lending that is primarily used for properties leased to investment-grade tenants. In a CTL transaction, the lease agreement with a creditworthy tenant is the primary source of repayment for the loan. The lender evaluates the creditworthiness of the tenant and structures the loan based on the terms of the lease. This type of financing is commonly used for properties leased to national or multinational corporations, government agencies, or other entities with strong credit ratings. CTL loans offer attractive terms and long loan durations, often matching the lease term, providing stability and predictability for both borrowers and lenders. These loans are typically non-recourse, meaning the borrower's personal assets are not at risk in the event of default. CTL financing allows property owners to unlock the value of their long-term leases and access capital for various purposes, such as property acquisition, refinancing, or capital improvements.

CMBS, which stands for Commercial Mortgage-Backed Securities, is a financing option that allows lenders to pool together multiple commercial mortgage loans and create a mortgage-backed security that can be sold to investors. This type of financing provides a way for lenders to free up capital by transferring the risk associated with the commercial mortgages to investors. CMBS loans are typically used for large commercial properties such as office buildings, retail centers, hotels, and industrial properties. These loans offer flexible terms and competitive interest rates, making them an attractive choice for borrowers looking for commercial real estate financing. With CMBS loans, borrowers can benefit from the ability to finance properties with longer loan terms, fixed interest rates, and non-recourse options. The issuance of CMBS loans provides liquidity to the commercial real estate market, enabling borrowers to access capital for their projects and investors to diversify their investment portfolios.