For borrowers
Financing structured before it goes to lenders.
Individuals and companies come to us for commercial real estate, investment property, land development, equipment and business loans. We prepare the deal, find the lenders who like it and negotiate for you.
The process
What happens after you call
Review
We go through your financials: personal and business tax returns, financial statements, your debt schedule and your business history.
Verify and structure
We verify your cash flow and structure the request the way a credit committee reads it.
Match
Your Custom Lender Match Report maps your profile to the lenders most active in your asset class right now.
Compete and negotiate
Lenders compete for the deal. We negotiate rate, fees and prepayment terms. The lender handles final underwriting, compliance and closing.
What to bring
The documents we start with
Lenders approve complete, organized files. The more of this you have ready, the faster we can move.
- Three years of personal and business tax returns
- Personal financial statement (PFS)
- Debt schedule
- Business history and experience
If your internal financial statements are not ready, we can create them. See how we’re paid for how that works.
What we finance
Loan types and capital sources
Investment and owner-occupied property
Commercial real estate, investment properties and land development.
Equipment and business loans
Equipment financing, SBA loans and most other business-related loans.
Life insurance companies
National life companies that like commercial real estate.
Freddie Mac, Fannie Mae and FHA
Long-term apartment and multifamily financing.
CMBS
Long-term loans on most commercial investment properties.
Commercial and regional lenders, private funds
Local and regional lenders, credit unions, and private funds for deals a bank won’t do.
Questions
Common questions
Do you lend money?
No. We are a middle person and consultant between you and the lender. The lender makes every credit decision and handles all compliance and document checks, including pulling credit. Our job is to prepare your deal, find the lenders who want it and negotiate on your behalf.
Why use a broker instead of going to my bank?
A single bank can only offer its own menu of products. We take your deal to many lenders and have them compete, so you can compare rate, fees, prepayment terms and structure side by side.
What does it cost?
No payment is due until your loan closes, with one exception: if we have to create your internal financial statements, which an accountant normally supplies, half of our fee is due up front. The total fee never changes. The full fee schedule is on the How we’re paid page.
What if I find a better deal on my own?
Take it. Our commitment is to you, not to the lender, and we will always tell you to take a better deal if you find one.
What do I need to get started?
Three years of personal and business tax returns, a personal financial statement, a debt schedule and a summary of your business history and experience. Templates and a checklist are on the Resources page.
How long does it take?
It depends on the lender, the type of loan and how complete your documents are. A complete, well-organized package moves faster.