Commercial financing is a structuring exercise before it's a rate exercise. Owner-occupied premises, investment property, holdco real estate — we arrange financing through the right entity, on terms that fit the corporate balance sheet.
The lender sees a loan. We see a balance-sheet decision with a tax dimension.
Buying the building your business runs in — often through a holdco that rents back to the operating company.
Acquisition and refinancing for income property, underwritten on cash flow and structured for the long hold.
Personal, opco or holdco — who signs matters for liability, tax and the eventual sale. We decide that before we shop rates.
Amortization, prepayment room and covenants negotiated to keep options open — because businesses change faster than mortgages.
A 45-minute diagnostic conversation. No cost, no deck, no product. If we can't add value, we'll tell you in the first meeting.
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