Financing solutions
Financing, matched to the project in front of you.
Every financing need starts with a different question. Below is a general overview of the categories we help clients think through, the situations where each may be relevant, and what is useful to have on hand for a first conversation.
01 / Solution
Commercial Real Estate
Owning commercial property involves decisions at every stage, from the initial purchase to the way the asset is held over time. Each stage can call for a different kind of financing.
What it covers
- Acquisition financing
- Funding used to purchase an income-producing or owner-occupied property.
- Refinancing
- Replacing existing debt, often to address a maturity, change terms, or access equity.
- Bridge financing
- Shorter-term funding for a property in transition, such as lease-up or repositioning.
- Permanent financing
- Longer-term debt intended for a stabilized property held for ongoing ownership.
When it may be relevant
- You are under contract on a property or evaluating a purchase
- An existing loan is approaching maturity
- A property is mid-transition and not yet stabilized
- You want to review whether current debt still fits your plans
Useful for an initial discussion
- Property type, location, and current use
- Purchase price or estimated value
- Current occupancy and rent information, if applicable
- Existing debt and maturity dates
- Your intended hold period and objectives
02 / Solution
Construction & Development
Development projects are financed in phases, and the funding needs of a project often change as it moves from land to completion. Early planning helps those phases fit together.
What it covers
- Land
- Financing considerations for acquiring or holding a site ahead of development.
- Ground-up development
- Funding for new construction, typically drawn as the project progresses.
- Substantial improvements
- Financing for major renovations, expansions, or conversions of existing property.
When it may be relevant
- You control a site and are planning what comes next
- Plans, budgets, or approvals are moving forward
- An existing building needs significant reinvestment
- You are thinking about how construction debt will eventually be replaced
Useful for an initial discussion
- Site details and current entitlement status
- Project scope, budget, and schedule
- Your equity contribution and project team
- The intended outcome: hold, lease, or sell
03 / Solution
Business & Working Capital
Operating businesses need funding for different reasons: to manage cash flow, to invest in equipment or facilities, or to support growth. The right structure depends on how the funding will be used.
What it covers
- Term financing
- A fixed amount repaid over time, often used for a defined investment or expansion.
- Business credit lines
- Revolving access to funding that can be drawn as needs arise.
- Working capital
- Financing that supports day-to-day operations, inventory, or receivables timing.
When it may be relevant
- You are planning an expansion, new location, or major purchase
- Seasonal or timing gaps affect cash flow
- You want more flexibility in how the business accesses funding
Useful for an initial discussion
- What the business does and how long it has operated
- The intended use of funds
- General revenue and financial information
- Existing business obligations
Not sure which category fits?
Many projects touch more than one. Start with what you are planning, and we can work through it together.