Loan guarantees are a critical tool in commercial real estate. They give lenders an extra layer of security when financing new construction, property acquisition, refinancing, or short-term bridge debt. Whether the guarantor is an individual sponsor, a parent company, or a government program, the guarantee changes underwriting terms, pricing, and leverage.
Banks and debt funds use guarantees to reduce credit risk. A strong guarantee can mean higher leverage, lower interest, or a longer term. Weak or no guarantee often forces higher equity injections or expensive mezzanine debt.
Guarantees show up across the commercial real estate lifecycle:
Every guarantee is a negotiated contract. Lenders will want joint-and-several liability if there are multiple guarantors. Guarantors should watch for hidden “springing recourse” clauses that turn a limited guarantee into full recourse if covenants are breached. Legal review is essential before signing.
Guarantees are not free. Banks may charge an upfront fee (0.5–2% of loan amount) and an annual guarantee fee (1–3%). Third-party or government guarantees also carry processing and commitment fees, all of which need to be modelled into project cash flows.
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Submit Intake FormThis article is for institutional and corporate audiences. It does not solicit the purchase or sale of securities and is not a commitment to lend. All guarantees are subject to credit approval, legal review, KYC, AML, and lender risk appetite.
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