Acquisition Financing
Stabilized cash-flowing acquisitions across all property types with 60–75% LTV.
Capital Source
Bank Loans
Competitive recourse and limited-recourse debt from regional, national, and money-center banks.
Loan Amount
$1M – $75M+
Term
5, 7, or 10 Years
Rate Range
5.54% – 8.25%
LTV / LTC
Up to 75%
Program Overview
How bank loans works.
Bank loans remain the workhorse of the commercial mortgage market — particularly for sponsors with established relationships, strong liquidity, and a willingness to provide partial or full recourse. We maintain active correspondent and broker relationships with money-center banks, super-regionals, community banks, and credit unions across 44 states. Bank execution is best for cash-flowing acquisitions, refinances of stabilized assets, construction loans for proven sponsors, and owner-user transactions. Pricing is typically tied to SOFR or the 5/7/10-year Treasury with a spread, and structures range from fully recourse to non-recourse with carve-outs depending on leverage, asset, and sponsor strength.
- Fast closings — 30 to 60 days typical
- Flexible prepayment vs. CMBS or agency debt
- Lines of credit and earn-outs available for strong sponsors
- Construction-to-perm execution from a single lender
Use Cases
When sponsors choose bank loans.
Refinance & Cash-Out
Lower-leverage refinances of in-place debt with cash-out for stabilized properties.
Construction Loans
Ground-up and major rehab construction for proven sponsors with strong balance sheets.
Owner-User Real Estate
SBA 504/7(a) and conventional financing for owner-occupied commercial property.
Best-Fit Asset Classes
Property types that match bank loans.
Where this capital source delivers the strongest execution today.
Multifamily
Recourse acquisition and refinance debt with fast closings for repeat sponsors.
Explore Multifamily financing →Industrial
Cash-flowing multi-tenant and owner-user industrial with bank balance-sheet pricing.
Explore Industrial financing →Office & Mixed-Use
Medical office and stabilized suburban office where banks remain active.
Explore Office & Mixed-Use financing →Specialty
Owner-user, SBA 504/7(a), and small-balance specialty assets.
Explore Specialty financing →Ready to explore bank loans?
Submit your scenario and receive multiple competitive term sheets within 5–10 business days.