Commercial Real Estate Lending

Tapping into the Power of Capital adds value to your real estate investments. When other institutions shy away from entrepreneurial developments, Capital Lending Corp. steps in with innovative financing solutions. In 1995, Capital Lending Corp.'s first loans were originated for the purchase of commercial properties. Since then, we have raised capital for numerous real estate investment properties. Our very first commercial loan transaction went to a shopping center with reduced cash flow resulting from vacancies. We secured financing for this undervalued property and closed this loan in just two weeks. When the Hoboken, New Jersey waterfront first began its redevelopment, Capital Lending Corp. helped finance a property with contamination issues that banks had turned down. When condominium associations found it difficult to secure bank funding for improvements, Capital Lending Corp. stepped in and arranged multimillion dollar financing at superior rates.

At Capital Lending Corp., we have a customer-friendly approach to financing income-producing properties. We have arranged financing for many commercial properties, often without requiring personal income verification. The programs we offer provide higher loan-to-values than many of those offered by traditional banks, up to 90% in some cases. If you are seeking a construction loan for your investment property, or you are interested in developing a large residential parcel, we may be able to help finance up to 100% of the construction costs. These loans have no upper limits to qualified borrowers.

Capital Lending Corp. will entertain all types of commercial properties, including those that are hard to finance. We help finance unconventional projects including churches, marinas, gas stations, homeowners' associations and many others.

Capital Lending Corp. arranges financing for commercial real estate all over the United States. International transactions start at $10 million. As innovators, we offer you more choices, more flexibility of terms and more competitive options to bring your project to completion.

Commercial Mortgage Products

For more than twenty years Capital Lending Corp. has been providing solutions to borrowers looking for better options for their commercial financing needs. Throughout the years we have built an impressive portfolio of financing programs to address the diverse circumstances of our clients. We understand the complexity of finding the right commercial loan to match the needs and goals of our customers and are ready to earn your business. Following please find a short list of some of the many commercial loan programs available:

  • Loans for land acquisition, construction and development of apartment buildings, mix use properties, nursing homes and assisted living facilities providing construction to permanent financing up to 90% of the total cost of the project. These loans are assumable and non recourse.
  • Programs for owner occupied mix use and commercial properties financing up to 90% of the value of the property.
  • Multifamily programs providing permanent financing up to 80% of the value of the property at competitive rates.
  • Programs for "Hard To Finance" Properties including churches, gas stations, golf courses, hotels, motels, restaurants, retail stores, industrial buildings, marinas, offices, shopping centers, vacant properties, etc…
  • Loans with No Personal Income and/or Asset Verification.
  • Loans with Low Fixed Rates with up to 40 year Full Amortization.
  • Bridge Loans
  • Mezzanine Financing
  • Loans for Borrowers with Credit Problems.
  • Commercial Financing for Domestic and International Projects

Determining Your Commercial Mortgage Interest Rate

Understandably, one of the first questions we’re asked from potential commercial borrowers is “What will my interest rate be?” But the final interest rate on your new loan will be based on your past credit history, the loan-to-value (LTV) of the property, and other risk components associated with the deal. And before we can provide a valid financial quote we’ll need to work together to build a suitable package acceptable to an underwriter. The final rates and terms you receive will be based largely on your qualifications and the characteristics of your commercial property.

In addition to interest rates there are other factors you should consider if your goal is to obtain the best overall financial package and return on your property as an investment. For example, the terms of a mortgage loan can be just as important as the interest rate. Most commercial loans have prepayment penalties. Many require balloon payments. These features could also affect the overall cost of your mortgage and your ability to sell or refinance a property. So it’s wise to carefully review the covenants that lenders require on a loan. It helps to have a financial partner that can identify commercial loan programs that are best suited for your goals and objectives.

Please contact us to learn how Capital Lending Corp. can add value to your commercial real estate transactions. We look forward to making a difference.