LOAN TERMS

 

LOAN AMOUNT

$500,000 to $10,000,000. Preferred loan size ranges from $2,000,000 to 7,000,000.

LOAN TO VALUE

Up to 70%. Typical LTV is 60%-65%.

LOAN TERM

1-5 Years. Preferred term is 2-3 years.

FUTURE FUNDING

For lease-up costs and earn-outs

COLLATERAL

1st Deed of Trust or Mortgage on commercial property.

SECONDARY COLLATERAL

Other collateral or liquid assets may be pledged as extra credit enhancement for the loan.

RECOURSE

Non-recourse available based on property and loan characteristics.

LOAN TYPES

Variable or fixed.

INTEREST RATES

Variable: Libor + Credit Spread
Fixed: Swap Yield + Credit Spread

CREDIT SPREADS

Based on property and loan characteristics. Typically ranges from 7.00% to 11%.

ORIGINATION FEE

Depends on transaction. Typically starts at a couple of points. The origination fee can be wrapped into the loan so that it is not out of pocket.

PREPAYMENT FEE

Usually none after a short lock out period.

LENDING AREA

Nationwide