COMMERCIAL REAL ESTATE LOANS

In today's credit-challenged markets, many loans that were bankable two years ago are no longer qualifying because banks and life insurance lenders have tightened their underwriting guidelines, and the CMBS markets are shut down. These loans are considered "almost bankable" for a variety of reasons—lower than market occupancy, a lease-up situation, or a turnaround situation.

That's where A10 steps in. We fill the void between conventional lending sources and hard money lenders. Plus as an unregulated lender, we can structure first mortgage commercial real estate loans to address virtually any combination of opportunity and circumstance. Timing is always critical, and we can tailor loan programs to meet your schedule, even for tight closing deadlines.

Some clients refer to us as a "warm money" or "firm money" lender. Why? Because we take more risk than a conventional lender, our loan pricing is slightly higher than conventional commercial real estate loans—but still less expensive than hard money loans.

Types of Commercial Real Estate Loans

  • Capital Market Bridge loans
  • “Warm Money” loans
  • Nearly bankable loans
  • Acquisition financing
  • Refinancing
  • Construction takeout loans
  • Rehabilitation loans
  • Build to suit financing (requires signed leases)

Typical Commercial Real Estate Loans Funded

  • Apartments / Multi-Family Loans
  • Industrial Loans
  • Office Loans
  • Retail Loans
  • Mixed Use Loans
  • Flex (Office/Warehouse)
  • Special Use Loans (limited appetite)
  • Residential Developments and Entitled land considered on a case-by-case basis (limited appetite)

Typical Situations Funded by Our Commercial Real Estate Loans

  • Interim bridge financing
  • Opportunistic purchases that need to close fast
  • Refinancing of maturing commercial real estate loans
  • Loans on properties owned under a Tenants-in-Common (TIC) structure
  • Construction takeouts
  • A conventional commercial real estate loan closing falls apart in the 11th hour and new financing needs to get put in place quickly to meet the closing deadline
  • Repositionings / Transitional Properties
  • “Lease-Ups” (provides time to get property occupied)
  • Rehabilitations
  • Hard money loans
  • Financing for properties exiting Bankruptcy
  • Unusual borrower situation
  • Build to Suit Development
  • Cash-out financing
  • Foreclosure purchases
  • Commercial Real Estate Loans Loans that don’t meet bank underwriting criteria
  • Short time frame to close Situations in which a bank asks you to leave
  • Insufficient cash flow generated by commercial real estate
  • Sponsor cash flow or net worth constraints
  • Short time frame for repayment
  • Partner buyouts

Why A10 for Commercial Real Estate Loans?

  • Faster commercial real estate loan closings than a conventional lender
  • Less expensive than bringing in an equity partner, especially on an after-tax basis
  • Unique situations
  • Transitional or repositioned property
  • Asset based underwriting
  • Bridge financing
  • Less expensive than a hard money lender

Unique Features of A10 Commercial Real Estate Loans

  • Non-recourse
  • Limited recourse
  • Non-disclosure
  • Cash out financing considered

  These programs are available on most properties.

See Loan Terms