Permanent Commercial Mortgage Placement for Stabilized Assets
Permanent Commercial Mortgage Placement for Stabilized Assets
Your project is leased, cash-flowing and out of the heavy-lift stage—but the bridge loan that got you here matures in months. Locking in a long-term, low-cost commercial mortgage is the final step in your capital stack. Financely runs a disciplined lender auction across life companies, CMBS conduits, pension funds and “core-plus” debt sleeves, securing up to 75 % loan-to-value with competitive spreads and clean pre-payment language.
Why Sponsors Hire Us for Permanent Debt
Typical Friction | Financely Fix | Sponsor Win |
---|---|---|
Opaque rate environment: swap market moves daily, life-co desks quote selectively. | True auction across insurers, CMBS desks and bank balance sheets—live pricing grid circulated same day. | 15–35 bp tighter coupon; clear visibility on market floor and ceiling. |
Lenders push amortisation; sponsor wants interest-only. | Leverage competing term sheets to secure 3–5 years IO or full-term IO on multifamily. | Higher year-one cash yield; smoother DSCR cushion. |
Pre-payment traps: yield maintenance or defeasance clauses. | Negotiate step-down or soft-yield language while multiple bids are in hand. | Exit flexibility if cap rates tighten or sale opportunity arises. |
DSCR short while rents burn off concessions. | Structure leasing reserve / earn-out; lender re-advances once NOI seasons. | Loan closes now; sponsor avoids second equity injection. |
Third-party report bottlenecks delay closing. | We coordinate appraisal, PCA, ESG/Green cert and seismic reviews in parallel with credit. | 45-day close target holds; bridge extension fees avoided. |
Permanent Loan Palette & Pricing Guide*
Lender Class | Leverage Max | Term | Spread / Coupon | Asset Focus |
---|---|---|---|---|
Life Company | 60-65 % LTV | 10–25 yrs | UST + 170–210 bp | Core office, industrial, multifamily |
Core-Plus Debt Fund | 70-75 % LTV | 5–10 yrs | SOFR + 225–300 bp | Cash-flowing value-add, hospitality |
CMBS Conduit | 70 % LTV | 10 yrs | SWAP + 200–240 bp | Diversified pool, tertiary markets OK |
Agency (Fannie / Freddie) | 75 % LTV | 5–12 yrs | UST + 170–215 bp | Multifamily, SFR portfolios |
*Indicative ranges—final pricing reflects asset quality, market depth and DSCR.
Our Four-Step Placement Timeline
- Engagement & Data Room (72 h) – Signed mandate, retainer wired, documents uploaded.
- Lender Auction (10 days) – 5–8 bids gathered; we rank by spread, IO years, pre-pay flexibility.
- Credit & Docs (15–25 days) – Appraisal, PCA, ESA Phase I, rating (for CMBS) managed by our team.
- Closing & Funding – Deed, title, insurance and cash-management accounts finalised; loan funds, bridge retires.
Sponsor Feedback
— Asset Manager, Class-A Office Portfolio
— CFO, Multifamily Developer, Sunbelt
Bridge loan maturing? Let us auction your permanent mortgage and lock today’s rates before the window closes.
Request Permanent FinancingFinancely Group arranges debt on a best-efforts basis through licensed lenders and institutional investors. Funding is subject to third-party due diligence, compliance approval and a signed mandate.
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.
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.