Commercial Real Estate Portfolio Debt Refinancing

Commercial Real Estate Portfolio Debt Refinancing

Commercial Real Estate Portfolio Debt Refinancing

Managing multiple commercial mortgages across a portfolio can strain liquidity and increase risk. We arrange portfolio refinancing solutions that consolidate debt, extend maturities, reduce interest costs, and align lender covenants with long-term business plans. Facilities start at USD 25 million and scale into the hundreds of millions for institutional-grade portfolios.

Outcome: a single structured debt facility covering your real estate portfolio, with optimized pricing, covenant flexibility, and predictable repayment.

Who Benefits from Portfolio Refinancing

Property Funds & REITs
Restructuring multi-asset leverage to lower weighted average cost of debt.
Developers
Rolling up short-term acquisition loans into longer-term portfolio financing.
Family Offices
Streamlining scattered mortgages into a single facility with covenant headroom.
Institutional Owners
Seeking improved liquidity, hedging strategies, and diversified lender base.

Structures We Arrange

Senior Mortgage Consolidation
Single facility secured across multiple properties, replacing fragmented loans.
CMBS & Portfolio Notes
Securitized structures packaging multiple assets with predictable servicing.
Bridge-to-Refinance
Short-term bridge rolled into a longer-term note once stabilization is proven.
Mezzanine & Preferred Equity
Hybrid capital to reduce senior debt load and increase flexibility.

Lender Priorities in Portfolio Refinancing

Focus Why it matters
Portfolio NOI Cash flow stability and diversification drive leverage and pricing.
Asset Quality Location, occupancy, and tenant profile determine lender appetite.
Debt Service Coverage Minimum DSCR thresholds ensure sustainable repayment.
Leverage Levels LTV caps and step-down covenants balance lender risk.
Sponsor Strength Track record, equity at risk, and governance drive approvals.

Terms Snapshot

Facility Type Leverage Tenor
Senior portfolio loan Up to 65% LTV 5–10 years
CMBS structure 65%–75% LTV 7–12 years
Bridge-to-refinance 60%–70% LTV 12–36 months
Mezzanine / pref equity Up to 85% combined LTV 3–7 years

Process to Closing

1) Submit
Portfolio rent roll, valuations, loan schedules, and sponsor KYC.
2) Underwrite
Review NOI, DSCR, LTV, and asset quality across the pool.
3) Structure
Select facility type, align covenants, syndicate lenders if needed.
4) Close
Execute agreements, register securities, disburse funds, repay old debt.

What We Need to Start

Document Purpose
Portfolio rent roll & leases Cash flow and tenant risk assessment
Current loan agreements Identify repayment terms, prepayment penalties
Recent valuations Support LTV and collateral adequacy
Sponsor financials Credit profile and covenant headroom

Apply for Portfolio Refinancing

Send your portfolio file and refinancing goals. We’ll assess feasibility and revert with indicative terms.

Start the Process

All facilities are subject to underwriting, compliance, lender approvals, and executed documentation. Terms vary by jurisdiction, asset quality, and sponsor profile. We do not provide guaranteed refinancing offers.

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.

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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.