Commercial Loans at Capital Funding

Commercial real estate borrowers face challenges like complex underwriting, slow approvals, and rigid loan terms - especially for bridge loans, construction, and renovations. Capital Funding understands these hurdles and we offer solutions like fast financing for time-sensitive deals through our Commercial Bridge Loan program and longer-term options with competitive rates and flexible terms through our Term Loan program.

Types of Commercial Loans

Which Loan Product works best for your investment? Take a look at our requirements and reach out if you have questions.
Commercial Bridge Loans
Term Loan Program

Commercial Bridge Loans

A “Commercial Bridge” loan is a short-term loan used to purchase or refinance a property quickly in order to take advantage of a short-term opportunity, accommodate an urgent closing, or bridge the gap until permanent financing is available.  A Commercial Bridge Loan is a great fit in the following situations:

  • Unique acquisition situations requiring non-conventional financing such as a foreclosure sale or REO
  • Sale & Leaseback Scenarios needing a quick closing
  • Distressed Sales, IRS Liens, Bankruptcy Resolutions, Debt Consolidation
  • Partner Equity Buyouts
  • Mortgage Acquisitions and Discounted Mortgage Buybacks
  • Rehab & Conversion opportunities which require property stabilization before permanent financing can be obtained

At Capital Funding Financial, our commercial bridge loans close quickly… in as little as 7-14 days at rates starting at 7.99%! Our commercial bridge loans require no personal income verification and very little documentation instead the underwriting is primarily based on the property itself! Our Commercial Bridge loans are a great way to purchase or refinance a commercial asset which needs a quick closing without the extensive underwriting associated with traditional bank financing. Our commercial bridge loan program provides you with the ability to close quickly by using a reliable & experienced lender as your financing partner. and very little documentation!

Term Loan Program

A “Term Loan” is a loan used to purchase or refinance commercial property with set terms for repayment. A Term Loan is a great fit in the following situations:

  • When you are looking to purchase or refinance a stabilized commercial property.
  • When you need a longer-term financing solution (3, 5, 7 or 10 years) with predictable payments.
  • When you want competitive interest rates with flexible terms.

At Capital Funding, our Term Loans offer competitive interest rates and flexible terms to meet the diverse needs of commercial property owners and investors. Our experienced team will work with you to structure a loan that aligns with your investment strategy.

Investment Criteria

Loan Size$2,500,000 – $100 Million
Term12, 18, 24, 36 month options
Time to Close28 – 45 Days from Deposit
Asset ClassesMultifamily, Mixed Use, Retail, Industrial, Self-Storage, Warehouse, Data Center, Office, Medical Office, Independent & Assisted Living (case by case)
LTVLesser of up to 75% of the “as is” Value or 65% – 70% of the “as stabilized” Value
Lien PositionSenior secured first mortgage or deed of trust
Interest Rate1 Month SOFR + 400 – 850 BPS
Origination Fees2.00% – 3.50% (adjusted to loan size, timing and complexity)
AmortizationInterest Only
“Stabilized” Debt Yield8.75+
“Stabilized” DCR1.25x
CapEx/TI HoldbacksHoldbacks for renovations & tenant improvements
PPP / Yield MaintenanceMinimal prepayment penalty generally for ½ of the initial term
RecourseRecourse & Nonrecourse Options with “bad boy” carve outs
Minimum Net Worth & LiquidityNW > LA | Liquidity of 5% – 10% of LA

Investment Criteria

Loan Size$1,000,000 – $50 Million
Term3, 5, 7, 10 Year Options
Time to Close30 – 60 Days from Deposit
Asset ClassesMultifamily, Mixed Use, Retail, Industrial, Self-Storage, Warehouse, Office
LTVUp to 75% (Varies based on Asset Class)
Lien PositionSenior secured first mortgage or deed of trust
Interest Rate1 Month SOFR + 150 – 350 BPS
Origination Fees1.50% – 2.75% (adjusted to loan size, timing, and complexity)
AmortizationInterest Only Options
“In Place” Debt Yield8.75+
“In Place” DCR1.25x
PPP / Yield MaintenanceVaries based on Term
RecourseRecourse & Nonrecourse Options with “bad boy” carve outs
Minimum Net Worth & LiquidityNW > LA | Liquidity of 5% – 10% of LA

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Property Documents

Current Rent Roll
Operating Statements for Last Two Years & YTD
Operating Budget/Proforma for Next 12 Months
Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Leases
Property Management Agreement
Plan to Stabilize the Property with Timeline and Budget/Costs (if unstabilized)
Planned and Past Capital Improvements
Valuation (to be ordered)
Title & Insurance Contacts

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Bio/Resume
Last Two Months of All Bank Statements

Business Documents

Last 2 Years of Tax Returns (if applicable)
Entity Documents – Articles of Organization + Bylaws/Operating Agreement
Organizational Chart

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Property Documents

Current Rent Roll
Operating Statements for Last Two Years & YTD
Operating Budget/Proforma for Next 12 Months
Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Leases
Property Management Agreement
Plan to Stabilize the Property with Timeline and Budget/Costs (if unstabilized)
Planned and Past Capital Improvements
Aged Receivables Report
Valuation (to be ordered)
Title & Insurance Contacts

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Bio/Resume
Last Two Months of All Bank Statements

Business Documents

Last 2 Years of Tax Returns (if applicable)
Entity Documents – Articles of Organization + Bylaws/Operating Agreement
Organizational Chart

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Wondering which program best fits your investment? Speak to a loan officer to get tailored guidance on the best options for your property.
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5550 Glades Rd Ste #200,
Boca Raton, FL 33431