Commercial Real Estate Finance Loans and Funding Options

Commercial Real Estate Finance Loans and Funding Options

Commercial Real Estate capital is earned with documentation, speed, and a structure that matches the asset and the exit. Investors with a strong deal can still face delays if their request is packaged like a generic loan application. Lenders want clarity on value, cash flow, legal security, and the path from acquisition to stabilization.

Financely provides advisory and placement support for Commercial Real Estate finance through regulated partners. We are not a bank and we do not lend from our own balance sheet. Our role is to shape a lender-ready file, source multiple quotes, and coordinate a controlled underwriting process for qualified buyers globally.

Unlock Commercial Real Estate Funding. Up to 80% LTV for your next deal, subject to asset quality, sponsor strength, jurisdiction, and exit logic.

Independent broker support for investors worldwide. Typical ticket sizes range from $5M to $500M+ for institutional profiles with clean documentation and realistic capital stacks.

Pain-Point Solver Table

The table below shows why well-capitalized investors still lose time when they rely on one channel. A broker-led, multi-lender process is built to reduce dead ends and compress timelines.

Typical Bank Outcome Common Friction Our Broker-Led Solution Path
Traditional loan at 60% LTV with 45 to 60-day approval Single credit box, conservative underwrite, slow committee cycles Bridge or structured senior at 70 to 75% LTV with faster term-sheet cycles
Decline due to asset transition risk Lease-up, repositioning, or capex-heavy business plans Bridge plus capex tranche, then refinance to permanent on stabilization
Loan size mismatch Tickets too small for one bank, too large for another We source 5 to 10 quotes across banks, debt funds, and structured providers
Cross-border complexity pushback International sponsor, multi-jurisdiction ownership or cash flows Jurisdiction-matched lenders with clear security, governance, and reporting frameworks

How It Works

This is a structured four-step process designed for speed without sacrificing credit discipline.

Step 1. Submit Property Details

Share your teaser, purchase agreement or term sheet, rent roll, capex plan, and your proposed equity contribution. We confirm the likely funding lane before lender outreach.

Step 2. We Source 5 to 10 Lender Quotes

We approach a targeted mix of banks, private credit, mezzanine funds, and specialty lenders aligned to your asset type, location, and timeline.

Step 3. Customize the Structure

We refine the capital stack across bridge, construction, mezzanine, preferred equity, and permanent loan pathways to match your hold plan and exit.

Step 4. Close Fast

We coordinate diligence, legal, valuation, and lender conditions. Where relevant, we can align trade finance support for imported equipment or capex supply chains tied to the project.

Qualification Checklist for Sales-Qualified Leads

This quick self-check helps confirm whether your deal is likely to receive strong lender attention. You can use it internally before submitting your materials.

Equity ready at 20% minimum.
Evidence of funds, committed equity partner, or a documented capital plan.
Value or ARV logic is defensible.
Recent comps, broker opinion, independent appraisal pathway, and realistic capex assumptions.
Exit strategy is clear.
Refinance, sale, or stabilization metrics with a timeline that fits the proposed debt.
Core documents are ready.
Purchase agreement or LOI, rent roll, operating history, sponsor profile, and ownership structure.

Readiness Status: Select items to see your readiness level.

Case Studies

We keep client identities confidential by default. The examples below reflect anonymized outcomes where documentation, sponsor credibility, and exit logic supported fast underwriting.

$35M Retail Center in Dubai

The sponsor required a speed-focused structure with a mezzanine gap option to protect equity. A multi-lender quote process improved terms and reduced pricing friction. The transaction advanced through accelerated diligence with a clear stabilization plan.

$120M Industrial Park in Texas

The sponsor needed a high-leverage senior structure tied to strong tenant demand and an institutional exit. The capital stack aligned with a defined refinance pathway post-lease-up.

Rate and Structure Reference by Property Type

The ranges below are indicative market-style references for qualified, institutional profiles. Final pricing depends on leverage, DSCR, tenancy, capex, location, sponsor strength, and lender appetite.

Property Type Indicative Senior Pricing Range Leverage Reference Common Structure Notes
Offices SOFR + 2.8% to 4.2% Up to 70% to 75% LTV, asset-dependent Stronger terms where tenancy and cash flow are stabilized.
Retail SOFR + 3.2% to 4.8% Up to 70% to 75% LTV Tenant quality and lease duration heavily influence pricing.
Industrial and Logistics SOFR + 2.5% to 3.8% Up to 75% to 80% LTV in strong markets Often the most lender-friendly segment for scale deals.
Hospitality SOFR + 4.0% to 7.0% Typically lower advance rates Seasonality, operator strength, and brand matter.
Multifamily SOFR + 2.5% to 3.9% Up to 75% to 80% LTV for strong profiles Bridge-to-agency or bridge-to-bank transitions are common.

Quick Pricing Estimator

This calculator provides an indicative all-in interest estimate using a simple SOFR input and a selected spread range. It is not a quote.

Indicative All-In Rate: -

Estimated Annual Interest Cost: -

This is a simplified estimator for planning. Real offers reflect leverage, DSCR, tenancy, capex, jurisdiction, lender fees, hedging requirements, and legal and valuation costs.

FAQ

Do you support Commercial Real Estate loans for international investors?

Yes, where the ownership structure, source of funds, and governance can pass KYC and underwriting standards. Cross-border sponsors often achieve better outcomes when the security, reporting, and exit plan is structured from day one to match lender expectations.

How does gap financing fit into a Commercial Real Estate capital stack?

Gap financing often sits between senior debt and sponsor equity to increase leverage or protect the sponsor’s cash position. It can take the form of mezzanine debt or preferred equity, depending on jurisdiction, asset type, and the senior lender’s intercreditor requirements.

Can you help with bridge-to-permanent transitions?

Yes. We often position a bridge strategy with a clear refinance trigger based on lease-up, capex completion, or stabilized NOI metrics. A credible takeout story improves both pricing and lender confidence.

Get Your Personalized Funding Quote

Start the conversation. We aim to reply within 2 hours for complete, live deal submissions. Share your teaser, value, location, capital stack target, and exit plan to receive a structured indication pathway through regulated partners.

Request Commercial Real Estate Terms

Disclaimer: This page is for general information only and does not constitute legal, financial, or regulatory advice. Financely acts as advisor and broker through regulated partners and is not a bank or direct lender. We do not guarantee approvals, pricing, leverage, timelines, or lender selection. All mandates are handled on a best-efforts basis and are subject to due diligence, KYC, AML, sanctions screening, valuation, legal review, and credit approvals by relevant institutions. Professional and corporate audience only.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.