Debt Programs

Owner / User Commercial Loans

With over 35 combined years of experience working directly with business owners, we poses the knowledge and ability to quickly assess a client’s credit needs, recommend appropriate solutions, and close the deal. We offer our owner/user clients both conventional and SBA loan options. We take pride in our professional transaction management and timely closings. Please contact us if you are looking to refinance your existing commercial building or are planning to purchase a new one.

Conventional Loan Program

This product is designed for business owners that will occupy at least 25% of the property, can show stabilized financial statements, and must also be able to support the requested loan amount. Debt service is calculated on a global basis using the subject business and borrowers income. In addition, lease income generated by investment tenants is applied towards debt service in underwriting.

A conventional owner/user loan can be used for almost any type of property that is not specifically investor related.

  • Loans amortized up to 30-years
  • Fixed rates up to 20-years
  • Up to 85% Loan to Value
  • Refinance or Purchase Transactions
  • Cash Out
  • Debt Restructure

SBA 504 Loan Program

The SBA 504 Loan Program is a partnership between a lending institution, a Certified Development Company (“CDC”) acting on behalf of the SBA, and the business owner. Under the SBA 504 Loan program, a lending institution will lend 50% or more of the total project cost, the CDC will provide a minimum of 40% of the total project cost and the business owner will generally provide a minimum of 10% of the total project.

  • 20-year Fully Amortized
  • Fixed Rate for Life of the Loan
  • Up to 90% Loan to Value
  • Assumable and Transferable
  • Refinance or Purchase Transactions

SBA 7(a) Loan Program

The SBA’s 7(a) program provides loans to small businesses unable to secure financing through conventional loan programs. The program makes loans through a lending institution, guaranteed by the SBA.

  • 25-year Fully Amortized
  • Up to 100% Financing
  • Working Capital Loans
  • Debt Restructure
  • Business Acquisition
  • Non-Real Estate Business Loans
  • Refinance or Purchase Transactions

Investor Commercial Loans

We have access to the most competitive investor commercial loans available in the market today. Whether you are acquiring a new property or refinancing an existing one, we posses the experience and contacts necessary to complete the job. Real Estate Capital Advisors provides highly customized solutions to help meet the investment needs and requirements of its clients.

  • Loan Amounts from $250,000 to $100,000,000
  • No Lender Origination Fees
  • Fixed Terms Between 3-15 Years
  • 25 to 30 Year amortizations
  • Non-Recourse Available
  • Up to 80% Loan-to-Value
  • Minimum DSC of 1.25x
  • A, B, and C Quality Properties
  • All Property Types
  • Assumable Loan Options

Apartment Loans

5+ Unit Multifamily Apartment Loan Program

We offer a wide variety of lending options both locally and nationwide. Our apartment loan program consists of the most popular, diverse, and competitively priced loans in the marketplace. We originate loans for Fannie Mae, Freddie Mac, HUD, and for large commercial and smaller community banks. Real Estate Capital Advisors provides highly customized solutions to help meet the investment needs and requirements of its clients.

  • Loan Amounts from $250,000 to $100,000,000
  • Fixed Terms Between 3-35 Years
  • 30 to 35 Year amortizations
  • Non-Recourse and Full-Recourse
  • Up to 85% Loan-to-Value
  • Minimum DSC of 1.20x – 1.25x
  • A, B, and C Quality Properties
  • Interest Only Options
  • Assumable Loan Options

Investor Residential Loans

1-4 Unit Residential Investor Loan Program

A combination of strict lending requirements and the current turmoil in U.S. capital markets has made getting a bank loan to purchase or refinance investment real estate an ongoing challenge for successful real estate investors. These individuals are faced with the reality of having to use precious cash or obtain hard money loans with unfavorable terms.

After months of searching and discussions with several hundred lenders, we have found a handful of banks that will provide financing for investors that own multiple 1-4 unit investment properties. Our exclusive funding sources portfolio these loans and are not bound by the Fannie Mae and Freddie Mac guidelines that most banks subject themselves to.

  • No Limit on Number of Properties Financed
  • Competitive Rates and Fees
  • 30 Year Fully Amortizing
  • Up to 80% Loan-to-Value
  • Loans and Lines of Credit
  • Cash-Out
  • Entities

Apartment Loans

5+ Unit Multifamily Apartment Loan Program

We offer a wide variety of lending options both locally and nationwide. Our apartment loan program consists of the most popular, diverse, and competitively priced loans in the marketplace. We originate loans for Fannie Mae, Freddie Mac, HUD, and for large commercial and smaller community banks. Real Estate Capital Advisors provides highly customized solutions to help meet the investment needs and requirements of its clients.

  • Loan Amounts from $250,000 to $100,000,000
  • Fixed Terms Between 3-35 Years
  • 30 to 35 Year amortizations
  • Non-Recourse and Full-Recourse
  • Up to 85% Loan-to-Value
  • Minimum DSC of 1.20x – 1.25x
  • A, B, and C Quality Properties
  • Interest Only Options
  • Assumable Loan Options

Investor Residential Loans

1-4 Unit Residential Investor Loan Program

A combination of strict lending requirements and the current turmoil in U.S. capital markets has made getting a bank loan to purchase or refinance investment real estate an ongoing challenge for successful real estate investors. These individuals are faced with the reality of having to use precious cash or obtain hard money loans with unfavorable terms.

After months of searching and discussions with several hundred lenders, we have found a handful of banks that will provide financing for investors that own multiple 1-4 unit investment properties. Our exclusive funding sources portfolio these loans and are not bound by the Fannie Mae and Freddie Mac guidelines that most banks subject themselves to.

  • No Limit on Number of Properties Financed
  • Competitive Rates and Fees
  • 30 Year Fully Amortizing
  • Up to 80% Loan-to-Value
  • Loans and Lines of Credit
  • Cash-Out
  • Entities

Owner / User Loans

With over 35 combined years of experience working directly with business owners, we poses the knowledge and ability to quickly assess a client’s credit needs, recommend appropriate solutions, and close the deal. We offer our owner/user clients both conventional and SBA loan options. We take pride in our professional transaction management and timely closings. Please contact us if you are looking to refinance your existing commercial building or are planning to purchase a new one.

Conventional Loan Program

This product is designed for business owners that will occupy at least 25% of the property, can show stabilized financial statements, and must also be able to support the requested loan amount. Debt service is calculated on a global basis using the subject business and borrowers income. In addition, lease income generated by investment tenants is applied towards debt service in underwriting.

A conventional owner/user loan can be used for almost any type of property that is not specifically investor related.

  • Loans amortized up to 30-years
  • Fixed rates up to 20-years
  • Up to 85% Loan to Value
  • Refinance or Purchase Transactions
  • Cash Out
  • Debt Restructure

SBA 504 Loan Program

The SBA 504 Loan Program is a partnership between a lending institution, a Certified Development Company (“CDC”) acting on behalf of the SBA, and the business owner. Under the SBA 504 Loan program, a lending institution will lend 50% or more of the total project cost, the CDC will provide a minimum of 40% of the total project cost and the business owner will generally provide a minimum of 10% of the total project.

  • 20-year Fully Amortized
  • Fixed Rate for Life of the Loan
  • Up to 90% Loan to Value
  • Assumable and Transferable
  • Refinance or Purchase Transactions

SBA 7(a) Loan Program

The SBA’s 7(a) program provides loans to small businesses unable to secure financing through conventional loan programs. The program makes loans through a lending institution, guaranteed by the SBA.

  • 25-year Fully Amortized
  • Up to 100% Financing
  • Working Capital Loans
  • Debt Restructure
  • Business Acquisition
  • Non-Real Estate Business Loans
  • Refinance or Purchase Transactions

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