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A10 Capital believes in making sure you have all of the data possible to make informed decisions about your properties. Please find our key lending terms below.
For any questions or needs that you have that are not addressed within these lending terms, please contact us by phone or email, as indicated to the right.
|Property Types||Office, retail, industrial, multifamily, self-storage, student housing, single-tenant with lease guaranteed by investment grade credit considered, and mixed use.|
|Status||Notes secured by first mortgages on existing buildings (no ground-up construction)|
|Quality||Class A and Class B. Class C considered on a deal-by-deal basis if mitigating factors|
|Location||Nationwide in primary, secondary and qualifying tertiary markets.
|Borrowing Entity||Single purpose entity|
|Collateral||Initially UCC-1 collateral assignment of underlying note, converting to first mortgage once title to property is obtained|
|Initial Loan Amount||Initial funding for individual properties typically from $5 million to $50+ million.|
|Additional Loan Amount for CapEx||Additional future funding available|
|Additional Loan Amount for TI/LCs||Additional future funding of up to 100% for lease-up costs|
|Loan-to-Value||Determined by quality of property, strength of sponsor, and loan characteristics|
|Loan Term||Up to 7 year loans (3-5 year terms plus extensions)|
|Recourse||Non-recourse to key principals with standard bad act carve-outs|
|Origination Fee||Determined by quality of property, strength of sponsor, and loan characteristics|
|Rate Type||Fixed or floating|
|Interest Rate||Interest-only rates competitive with bank and CMBS mortgage constants|
|Exit Fee||Determined by quality of property, strength of sponsor, and loan characteristics|
|Reserves||An amount as determined by borrower and A10 Capital|
|Prepayment||Loan can be prepaid at any time. A reasonable minimum interest period aligned with each borrower’s specific business plan is typically required|