Debt-Restructuring for U.S. Commercial Real-Estate Portfolios
Debt-Restructuring Solutions for U.S. Commercial Real-Estate Portfolios
1 Why Sponsors Turn to Financely
Refinancing windows are narrow, interest caps are expiring, and 2025–2027 loan maturities exceed USD 650 billion. Traditional lenders demand fresh equity or punitive cash-flow sweeps. Financely offers a service—not a DIY kit—that sources replacement capital or amends existing terms through a nationwide network of banks, insurance lenders, and private-credit funds. Our mandate is simple: retain assets, preserve sponsor equity, and restore covenant headroom without lengthy foreclosure or note-sale negotiations.
2 Our Engagement Framework
| Stage | What We Deliver to You | Typical Turnaround |
|---|---|---|
| Diagnostics | Consolidated rent-roll review, updated appraisals, cash-flow stress test. | 10 days |
| Strategy Letter | Written restructuring or refinancing roadmap, lender short-list, fee grid. | 5 days |
| Creditor Outreach | Financely presents the plan—no direct sponsor cold-calls required. | 2–3 weeks* |
| Credit Approval | Term sheets, covenant resets, new-money tranches, or maturity extension. | 2–4 weeks* |
| Closing | Legal documentation, escrow coordination, lien releases & title endorsements. | 5 business days |
*timeline varies with property count and jurisdiction
3 Capital Structures We Arrange
- Extension–Modification packages – rate-step grids plus partial amortisation to align DSCR with new NOI.
- A/B or Senior-Mezz Splits – senior held by bank, mezzanine or B-note placed with private-credit funds.
- Preferred-Equity Top-Ups – fixed-coupon equity injection bridges valuation gaps without diluting ownership.
- Bridge-to-Lease-Up Loans – 12- to 24-month facilities with built-in interest reserve and future-funding TI/LC bucket.
4 What Sets Our Service Apart
- 110+ active CRE desks in our lender roster—banks, life-co lenders, debt funds.
- Data-driven modelling (ARGUS, Excel DSCR waterfalls) shared with every credit committee—no narrative fluff.
- End-to-end project management —Financely coordinates valuation updates, legal counsel, title, and escrow so sponsors focus on leasing and asset management.
- Proven speed —average mandate-to-fund timeline: 10 weeks; closing certainty ratio: 94 % since 2022.
Facing a maturity wall or cash-flow covenant breach? Financely can restructure or refinance your CRE debt stack—without 100 % equity pay-downs. See how our managed process works and request an engagement proposal.
Learn How We Restructure DebtGet 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.
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.
Submit a RequestProject 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.
Submit a RequestAcquisitions
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.
Submit a RequestFor 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 RequestOnce 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.
