Financing built
around our goals

Owner-user commercial real estate financing funds a business purchasing or refinancing the property it occupies, rather than a purely investment purchase. Because the operating business, not just the real estate, generates the repayment capacity, these loans are evaluated on the strength of the business alongside the property.

Example: A growing dental practice outgrowing its leased suite purchased its own building, structured around the practice cash flow rather than a generic investment-property underwrite.

• Owner-user acquisitions and refinances
• Business cash-flow and property-value underwriting
• Long-term ownership and equity-building strategies
• Useful for offices, clinics, retail, mixed-use, and business-occupied buildings

Talk to an advisor about owner-user financing

Residential and multifamily financing supports home purchases, refinance needs, and income-producing residential properties. The structure depends on whether the asset is owner-occupied, investment-focused, or part of a larger rental portfolio.

Example: A family buying a new home while retaining a prior property as a rental needed a financing path that considered both personal income and the property cash-flow picture.

• Primary residence, second home, and refinance options
• Duplex, triplex, fourplex, and larger multifamily scenarios
• Rental-property and DSCR-oriented structures
• Portfolio planning for investors adding residential doors

Talk to an advisor about residential financing

Industrial and warehouse financing is designed for production, storage, logistics, distribution, and industrial-use properties. These loans often need to account for property functionality, tenant/use requirements, loading access, business operations, and expansion plans.

Example: A logistics company moving from leased warehouse space into a larger owner-user facility used financing that supported both the property acquisition and operational growth plan.

• Warehouse acquisition and refinance
• Industrial, logistics, storage, and distribution properties
• Expansion and owner-user occupancy scenarios
• Capital structures for production and business-use real estate

Talk to an advisor about industrial financing

Healthcare financing supports clinics, medical practices, dental offices, surgery centers, and healthcare-related facilities. These transactions can involve real estate, equipment, build-out costs, practice cash flow, and specialized operational considerations.

Example: A medical group expanding into a larger clinic needed financing that considered tenant improvements, patient-volume growth, and practice-level repayment capacity.

• Medical, dental, and specialty practice real estate
• Build-out, equipment, and expansion support
• Owner-user and investor healthcare property structures
• Cash-flow-aware lending for professional practices

Talk to an advisor about healthcare financing

Investment property financing helps investors acquire, refinance, stabilize, or grow income-producing assets. The loan structure may rely on borrower strength, property income, market rents, DSCR, equity, and the investor experience behind the deal.

Example: An investor with several stabilized rentals refinanced to improve cash flow and free up capital for the next acquisition without disrupting the existing portfolio.

• Rental portfolio growth and refinance
• DSCR and investor-friendly structures
• Acquisition, stabilization, and cash-out scenarios
• Planning around income, equity, and hold strategy

Talk to an advisor about investment property financing

Refinance solutions help borrowers improve terms, lower payments, access equity, restructure debt, or move from short-term financing into a more stable long-term structure. The right refinance depends on the asset, current loan, goals, timing, and available equity.

Example: A property owner with multiple existing loans refinanced into a cleaner structure with better terms, improved monthly cash flow, and a clearer long-term plan.

• Rate-and-term refinance
• Cash-out refinance and equity access
• Debt consolidation and payment optimization
• Bridge-to-permanent and stabilization refinance paths

Talk to an advisor about refinancing

Construction financing supports ground-up builds, major renovations, expansions, and repositioning projects. These loans are typically structured around budgets, timelines, draw schedules, contractor experience, project feasibility, and the exit strategy after completion.

Example: A property owner renovating a dated commercial building used construction financing tied to a controlled draw schedule and a planned refinance once the project stabilized.

• Ground-up construction and major renovation
• Tenant improvements and property repositioning
• Draw schedules, budgets, contractor review, and project milestones
• Exit planning into sale, refinance, or permanent debt

Talk to an advisor about construction financing

Bridge loans provide short-term, flexible capital for time-sensitive transactions, transitional properties, or situations where permanent financing is not yet the right fit. They are often used to move quickly while preparing a refinance, sale, lease-up, or stabilization plan.

Example: A borrower needed to close quickly on an acquisition before permanent financing could be arranged, then refinanced after improving the property and documentation package.

• Fast closings when timing matters
• Acquisition bridge and refinance bridge options
• Transitional assets, value-add plans, and temporary capital needs
• Exit strategy planning from day one

Talk to an advisor about bridge financing

A business line of credit gives companies flexible revolving access to capital for operations, inventory, payroll, growth opportunities, seasonal needs, or short-term liquidity. Unlike a fixed-term loan, funds can be drawn and repaid as business needs change.

Example: A growing business used a revolving line to manage inventory purchases and timing gaps between expenses and receivables without taking on a larger fixed loan.

• Working capital and operational support
• Flexible revolving access to funds
• Inventory, payroll, growth, and seasonal needs
• Liquidity planning for established businesses

Talk to an advisor about a line of credit