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Client Profile & Initial Inquiry
In October 2024, a seasoned real estate investor responded to an email highlighting our commercial real estate loan offerings. The borrower owned multiple properties and sought to refinance a 20-story mixed-use office and apartment building in a southern state. Our team promptly scheduled a discovery call to understand the borrower’s needs and assess the viability of the loan request.

Loan Assessment & Documentation Review
During the discovery call, our team focused on key financial and property details, including:

• Current occupancy levels
• Lease terms
• Requested loan amount ($4.9M)
• Estimated property value

Given that many lenders cap loan-to-value (LTV) ratios at 70%, we determined that the property needed to appraise at a minimum of $7,000,000 to support the requested refinancing. To move forward, we requested the necessary underwriting documents, including:

• Three years of business and personal tax returns
• 2024 interim profit and loss statement and balance sheet
• A personal financial statement from the borrower
• A deal narrative providing context for the request

Underwriting Process & Loan Approval
By November, our review of the borrower’s financials confirmed a strong net worth and ownership of multiple properties—critical factors in lender decision-making. Experience in property management and substantial liquidity reassured us that the borrower could manage unforeseen challenges.

As is standard in commercial real estate transactions, the underwriting process took approximately two weeks, followed by additional time to resolve lender questions and prepare a formal report for the investment committee. After thorough analysis, the investment committee approved a conditional term sheet offering:

• Loan Amount: $4.9M
• Interest Rate: 7.75%
• Loan Term: 5 years, amortized over 30 years
• No prepayment penalties
• Condition: Property must appraise at $7,000,000

The borrower promptly signed the term sheet, initiating the next phase of due diligence.

Property Appraisal, Environmental & Title Review
To proceed with final approval, we ordered:

• An appraisal to confirm property valuation
• A Phase 1 environmental report to identify potential risks
• A title report to ensure no unexpected liens or encumbrances

The appraisal and environmental assessment each required approximately two weeks for completion, including on-site visits and report generation. Concurrently, our team arranged a site visit to meet the borrower and assess the property firsthand—an important step in solidifying confidence in the investment.

Final Approval & Loan Closing
In December, the appraisal report confirmed a property valuation of $7.1M, surpassing the required threshold for approval. The environmental and title reports revealed no issues, allowing us to schedule the loan closing. On December 19, the borrower finalized all documentation at the title company, and the loan successfully funded.

Key Takeaways

• Efficient Processing: The commercial loan funded within the standard 60-day timeline.
• Strategic Structuring: The borrower secured a competitive rate with favorable terms and no prepayment penalties.
• Market Knowledge: Understanding lender requirements, such as LTV caps, streamlined the approval process.
• Due Diligence: Comprehensive underwriting, property inspections, and financial vetting ensured a smooth transaction.

For investors seeking flexible financing solutions, our expertise in structuring commercial real estate loans provides a clear pathway to success. Contact us today to explore tailored lending solutions that align with your investment goals.

Client Profile & Initial Inquiry
In October 2024, a California-based restaurant owner sought funding to support business operations. The borrower, operating an established restaurant with consistent revenue, initiated contact on October 25, 2024. Our team promptly conducted a discovery call to assess business fundamentals, including:

• Company history and start date
• Average annual revenue ($800,000 over the past two years)
• Borrower’s credit profile
• Existing business debt obligations

Following the initial assessment, we provided a required documentation package, which included:

• Two years of business tax returns
• Most recent personal tax return
• Three months of business bank statements
• Current debt schedule

Additionally, the borrower successfully completed identity verification by submitting a government-issued ID and a selfie for authentication.

Pre-Approval & Underwriting Process
After reviewing the initial documentation, our system generated a pre-approval for $280,000, representing 35% of the borrower’s average annual revenue. The complete documentation package was submitted on October 29, initiating the underwriting process.

On November 1, an underwriter was assigned to the file and requested additional documentation, including:

• Form 8821 (wet signature required) for IRS transcript verification
• SBA Form 1919 (completed via DocuSign)

With all required documents submitted, the file advanced to final approval review on November 5.

Final Approval & Loan Closing
On November 12, the borrower received final approval. The closing process proceeded swiftly, with loan documents executed via DocuSign on November 13. Funding was completed on November 15, with the following financial breakdown:

• Gross Loan Amount: $280,000
• Closing Costs: $3,400
• Net Proceeds to Borrower: $276,600

Key Takeaways

• Efficient Processing: The loan closed within 21 days from initial contact to funding.
• Structured Approach: A clear documentation process streamlined underwriting and approval.
• Competitive Financing: The borrower secured a loan amount aligned with revenue capacity.
• Technology Integration: Digital verification and DocuSign execution accelerated the timeline.

Our expertise in SBA loan structuring ensures that business owners receive funding with efficiency and transparency. Contact us today to explore loan options tailored to your business growth.