Author: NickU

Hospitality Financing

Hospitality Industry Financing -Purpose: Financing for hotel acquisitions, renovations, and ground-up developments.    – Benefits:     – Loan amounts: $5 million – $30 million per borrower     – Funds held in escrow at closing to ensure borrower funding availability     – Draws monitored and controlled as part of the overall funding process    –Eligibility Criteria & Loan Structure:  -Joint & […]

Multifamily Investment Property Loans

Multifamily Property Loans Purpose: Financing for properties with 5+ units.   -Benefits:     – Loan amounts: $500,000 – $10 million     – LTV up to 75%   – Both short-term and long-term financing options   -Eligibility Criteria:  -Credit Score: 660+    -Property Size: 5+ units    -Occupancy: 90%+ for stabilized properties    -Net Worth & Liquidity: May be required  

CRE Rental Properties

Long-Term Rental Loans Purpose: Financing for investors holding properties for rental income.    – Benefits:     – Loan amounts: $75,000 – $5 million    – Up to 80% LTV(Loan-to-Value)     – Fixed or adjustable rates available   –Eligibility Criteria:  -Credit Score: 680+    -Debt-Service Coverage Ratio (DSCR): 1.0+   – Property Type: 1-4 unit rental properties    -Experience**: Not required but preferred  

Fix & Flip

Fix & Flip Loans Purpose: Short-term financing for acquiring and renovating investment properties.   – Benefits   – Loan amounts: $50,000 – $5 million   – Up to 90% of purchase price & 100% of rehab costs   – Interest-only payments during renovation period   –Eligibility Criteria:  -Credit Score**: 620+ (higher for better terms)    -Experience**: 1+ completed flip preferred    -Down […]

CRE Bridge Loans

Bridge Loans for Commercial Real Estate Purpose: Short-term financing to bridge the gap between immediate funding needs and long-term financing solutions.  -A bridge loan is a short-term loan that helps bridge the gap between a business’s current need for financing while they wait for a more long-term solution to be secured.   -Ideal for businesses who […]

Subordinated Debt

Subordinated Debt Purpose: The lender holds a secondary lien position, subordinate to senior debt holders (aka 2nd position). This structure enables businesses to secure additional capital without disrupting existing senior debt arrangements. Benefits:  –Second-Lien Position: Subordinated lenders hold a claim on assets that is Jr. to Sr.  debt holders.  –Flexible Use of Funds: Ideal for expansion projects, acquisitions, or […]

Business Bridge Loans

Bridge Loans for Business Purpose: Short-term financing to bridge the gap between immediate funding needs and long-term financing solutions.  -A bridge loan is a short-term loan that helps bridge the gap between a business’s current need for financing while they wait for a more long-term solution to be secured.   -Ideal for businesses who need to […]

Invoice & PO Financing

Invoice Factoring – Purchase Order Financing   -Turns pending invoices into immediate working capital. -Benefits:  -Improves cash flow by providing advances on outstanding invoices.  -Helps businesses manage operations without waiting for customer payments.  -Not viewed as debt by credit agencies -Eligibility Criteria  – 1-year TIB – Business to Business Invoices. – Royalty based financing available.

Merchant Cash Advance

Merchant Cash Advances -Provides businesses with a lump sum of capital in exchange for a percentage of future sales. -Benefits:  -Quick access to funds, often within 24 hours.  -Repayment is flexible and aligns with business revenue. –Eligibility Criteria   –550 FICO score   -$20k in monthly deposits   -6 months TIB