Commercial Real Estate Financing
Fast, flexible real estate financing for investors and developers in Boca Raton and across South Florida. We move quickly, structure to your plan, and close on your timeline.
- 7–21 day close on qualified files
- Interest-only options + interest reserves
- Milestone-based draw schedules for capex and TI/LC
Commercial asset classes we fund
We focus on income-producing and transitional commercial assets with a credible path to stabilization.
- Industrial: single/multi-tenant, condo conversions, last-mile
- Office: medical/professional, value-add, re-tenancy plans
- Retail: neighborhood centers, street retail, mixed-use ground floor
- Mixed-use: commercial + residential/office components
- Special-purpose (select): clear business case and exit
This page is dedicated to commercial—for 1–4 unit residential or multifamily assets, see our Residential and Multifamily pages.
Bridge programs for commercial financing
- Acquisition bridge: Close on schedule with structure matched to sources/uses, near-term capex, and planned take-out. We underwrite the business plan and exit—not just a static ratio.
- Construction bridge: Budget controls, TI/LC schedules, interest reserves where appropriate. Draws tied to verified milestones to keep GC and tenants moving.
- Refinance bridge: Extend runway to re-tenant, complete capex, or stabilize NOI before permanent debt.
How we size & structure commercial deals
NOI trajectory
Lease-up / re-tenancy assumptions supported by comps and concessions strategy
TI/LC
Sized into sources/uses with clear disbursement rules
Capex
Milestone schedule + inspections to control cost & pace
Leases & rollover
Exposure, expirations, and credit concentration analyzed
Structure
Deal-appropriate LTC/LTV ranges; interest-only; reserves for carry & draws
Exit
Documented path to refi or sale within term
Commercial scenarios we finance
- Industrial acquisition + light value-add: escrowed TI, phased tenant improvements, lease-up to target NOI, refi in 12–18 months
- Office re-tenancy: targeted capex, free-rent plan, leasing incentives; bridge to stabilized DSCR for perm take-out
- Retail center reposition: façade/parking capex, anchor replacement, co-tenancy adjustments; sale or perm debt at new NOI
- Mixed-use lease-up: roll-out of street-level retail + upper floors, then refi into agency/bank
Terms
- Term: 6–24 months
- Payments: Interest-only; interest reserves where applicable
- Draws: Milestone-based with inspections/approvals (capex, TI/LC)
- Use of proceeds: acquisition, capex, TI/LC, lease-up, recap/refi
- Geography: Florida focus; select Southeast markets
Documentation for commercial underwriting
- Rent roll & T-12 (with reimbursements and recoveries)
- Lease abstracts (options, co-tenancy, termination rights)
- Capex budget & schedules (including TI/LC)
- Pro forma and absorption/lease-up assumptions
- Entity docs & sponsor track record
- Third-party reports as required (Zoning, ESA/PCAs, etc.)
Florida commercial markets we serve
Florida-focused with active activity in Boca Raton and South Florida (Palm Beach, Broward, Miami-Dade), plus select Southeast metros with clear sponsor capability.
FAQs (short answers for rich results)
Is this permanent financing?
No—this is bridge financing sized to your plan and exit; interest-only with reserves and draw schedules are common.
Do you fund ground-up commercial?
Case-by-case under construction bridge with milestones, inspections, and budget controls.
How fast can you close?
Many commercial files close in 7–21 days, subject to diligence and third-party reports.
How do you think about tenant risk and rollover?
We evaluate credit concentration, expirations, co-tenancy, and plan for re-tenancy incentives within the capex/TI/LC structure.
How is loan sizing determined if DSCR isn’t central?
We use LTC/LTV appropriate to asset/plan, size reserves for carry and TI/LC, and underwrite to a documented exit.