Buying a building, adding doors, or moving your business out of a lease? Commercial financing has its own rules, lenders, and paperwork. I know these lenders and what they need to see.
Five doors and up: apartment buildings, six-plexes, and rental portfolios.
Shop below, suites above: main-street buildings that earn their keep two ways.
Stop renting your workspace. Buy the building your business already lives in.
Financing for builds and land purchases, staged the way lenders like to see it.
Rent minus operating expenses. It's the engine of the whole deal, it decides both your approval and your amount.
NOI divided by price. The property's yield before financing, and a quick gut-check on whether it's priced right.
NOI divided by your payments. Lenders usually want 1.20 or higher, so the building comfortably covers itself.
Typically 20 to 35% down depending on property type and use. We plan for the right figure before you write an offer.
Illustration only. Every lender weighs these differently, so I package your real numbers and tell you honestly what they'll say before you commit.
I don't just arrange these deals. I own them. The math I run for you is the same math I run on my own buildings.
Rent roll, leases, and financials. Even rough ones are fine to start.
I build the underwrite lenders want to see, so your deal shows its best side.
I take it to the right commercial lenders and bring back real terms to compare.
Conditions, appraisal, and funding, coordinated so nothing stalls the deal.
Cap rate, cash-on-cash, and monthly cash flow on any income property, in about two minutes.
Honest, jargon-free answers to the questions people ask most about commercial financing live on the main FAQ page.
Send me the basics and I'll come back with realistic options. If the numbers don't work, I'll tell you that too.