Price Your DealClient Login

Commercial Loan Types

Construction

Traditional lenders can’t always meet the needs of construction financing, especially if you have several projects on the go. From the initial lot selection and purchase, our team works with you from day one to help you get your construction project funded.

Projects we have funded include:

Mixed
Use

Multifamily Residential

Multi-building properties

Warehouse/Flex

Industrial

Retail

Healthcare

Special use

We are passionate about communities and improving the lives of the people who live in them. Our approach is 360˚, meaning we’ll work with you to give your project the best possible chance of success, standing by you throughout the process. From financing to site selection, choosing a contractor, through the build and beyond, we are here to provide you with the information you need to ensure success.

Get Started

Bridge Financing

Bridge financing is a short-term financial product that allows you to obtain a mortgage while you are repositioning your properties. It can provide working capital to cover expenses while waiting for long-term funding. DSCR requirements are significantly lower than typical conventional lenders.

Since bridge loans are short-term instruments, they are expected to be repaid quickly. Because of this, rates are significantly higher than for more traditional financing options. However, if you need financing quickly to jump on an opportunity or get you through until your long-term financing is approved, bridge financing is an option you should consider.

Here’s how a bridge loan can help:

Facilitate change in ownership

Take advantage of new opportunities

Deal with a change in ownership

Working capital

Fund final stage construction

Don’t let an opportunity pass you by! Talk to us about bridge financing today. We’ll work with you to ensure a seamless process.

Get Started

Hard Money

Hard money is a short-term lending instrument that leverages your current properties as collateral. It is similar to a bridge loan in many ways and typically obtained through alternative lending sources, such as private lenders.

As with bridge lending, the application process is faster, and the interest rate is higher. Funds are released quickly, and the terms are often negotiable as you’re not dealing with a bank.

Benefits of hard money loans include:

Fast approval

Quick funding

Vacant properties okay

Leverages the value of your existing properties

The amount you can receive on hard money loans is directly related to the value of your current properties, so it’s critical to ensure you have a plan in place to repay and move on from a hard money loan. Our team will help you with property valuations, give you honest insights, and provide tons of resources to guide you through the process.

Get Started

Mezzanine

Mezzanine funding lies in between debt and equity financing, giving borrowers some options regarding how the loan is structured. Mezzanine loans are used as supplementary funding when there is a gap between senior debt and the sponsors equity. Mezzanine funding can increase your ROI or help with a gap in your funding, however it does increase your risk of overleveraging the property and increase potential future risks should the property experience operating problems or if the market declines. The Clover Capital team is here to ensure your deal is structured favorably for you and that it helps you accomplish the goals you have in mind.

Is mezzanine funding right for you?

Talk To Us

Acquisitions

Acquisition funding is used to purchase Investment Properties. Traditional loans or lines of credit are the usual types of financing involved. Our resources and relationships with many types of lenders including REITS, Community Banks, Insurance Companies and CMBS Lenders ensure you obtain the right acquisition loan for your needs.

If the property you are buying is thriving and has a, reliable revenue stream, banks generally don’t hesitate to get involved. However, if you’re acquiring a property at bargain-basement prices because it’s failing, we might need to look into alternative sources. Of course, it all hinges on the proposal and how it’s structured and presented. An opportunity that might not look great on the surface can shine with the right approach.

Clover Capital’s team will create a presentation designed to help you obtain the best possible rates on your acquisition loan.

Let’s talk about your acquisition and how we can make it happen.

Let’s Talk

Refinancing

Refinancing has many benefits. You can take advantage of better terms and lower rates, leverage your equity for upgrades, or even to purchase a new property.

For commercial property owners, refinancing also gives you an opportunity to improve your building to attract new or better tenants or raise the property’s value with the intent to sell. Whatever your reason for refinancing might be, the Clover Capital team will work closely with you to ensure your funding, and the deal behind it meets your needs.

We handle refinancing loans for a broad range of commercial property types, including:

Commercial buildings

Warehouses

Offices

Industrial and flex buildings

Apartment buildings/condos

Retail

Mixed-use buildings

The amount you can receive on hard money loans is directly related to the value of your current properties, so it’s critical to ensure you have a plan in place to repay and move on from a hard money loan. Our team will help you with property valuations, give you honest insights, and provide tons of resources to guide you through the process.

Get Started
Menu
This website uses cookies to ensure you get the best experience. To learn more visit our privacy policy. If you continue to use our website, that means you consent to the use of cookies.
I Agree