Flexible financing solutions for complex commercial properties across the USA and Canada—structured to address occupancy, valuation, and property-specific risk factors.
Commercial refinancing involves replacing an existing commercial loan with a new one. Borrowers refinance for several strategic reasons, typically falling into three categories:
Rate/Payment Optimization: Reduce monthly payments or stabilize interest rate structure
Term Restructuring: Extend amortization, adjust maturity, or reduce balloon risk
Equity Strategy: Access property equity through cash-out to fund growth or investment
Because commercial loans often differ from residential mortgages (shorter terms, prepayment provisions, and unique structures), refinancing is both a financial and risk-management decision.
A practical decision framework helps borrowers choose between standard refinance or cash-out based on financial goals.
Borrowers refinance commercial property to improve cash flow, reduce risk, access equity, and optimize loan terms.
Shields from variable-rate hikes, balloon payments, and loan maturities.
Leverages higher NOI or occupancy to obtain better loan terms.
Consolidates multiple loans, simplifying repayment and improving cash flow.
Provides funds for renovations, expansion, or strategic property investments.
Reduces risk, stabilizes loan terms, and frees property equity.
Assess the property, financial statements, and borrower goals to determine suitable refinancing strategies.
Identify appropriate standard refinance or cash-out structures that best meet the borrower’s objectives.
Prepare detailed rent rolls, financial statements, and borrower profiles required for lender evaluation.
Connect borrowers with lenders offering optimal terms, rates, and structures for the property type.
Lenders thoroughly review property, financials, and borrower profile to finalize loan terms and approval.
Execute loan documents, fund the refinancing, and complete the transaction efficiently and securely.