Stop Settling for Loans That Don’t Meet Your Goals

and let us leverage our large database of lending options

At Lincoln James Capital, we’ve not only built a large network of bankers and lenders, but also a strong reputation as a trusted authority in the commercial finance space. We have the knowledge, experience and resources to guide you through the complex, time-consuming process of finding and closing a commercial loan. The bank has a team of experts working for them. You deserve to have experts working for you.


Loan Program

Lincoln James Capital Specializes in arranging financing for commercial real estate properties and businesses through our expansive network of lenders. With lots of loan program options to choose from, we offer you mortgage alternatives that suit your specific loan situation. And every aspects of the loan process—from the initial loan application to closing are handled by our carefully selected mortgage and in-house closing experts. This helps to speed up the entire loan process and get you the best mortgage terms within a shorter period. Our ultimate goal is to save our clients time and money!

Fixed rate commercial loans are loans in which the interest rate charged on the mortgage will remain the same for the entire life of the loan, no matter the changes in the market rate. This means that your monthly payments will be the same over the entire term. A fixed rate loan allows borrowers to easily predict and budget their future payments.

A commercial construction loan is a short-term loan used to cover the material and labor costs of building structures like offices, retail fronts, industrial facilities, multi-family rental units, and more. Typically, the lender pays out the money in stages as the project hits new milestone. Notably, the borrower doesn’t have to make payments on the principal amount until the loan has been fully paid out. Not only do we assist our clients with the right commercial construction loan option, we are right there with them from start to finish.

Like their name implies, bridge loans are used to “bridge the gap” until long-term financing can be secured for the commercial property. In some cases, the lender making the long-term loan will also make the bridge loan on the property. Most bridge loans come with very short terms, typically six months to two years, and many are not amortized (i.e., interest-only payments with a balloon payment at the end). Interest rates on bridge loans are generally higher than the going market rate.
Lincoln James Capital offers fast and accessible CRE Bridge loans that can be tailored to match your specific loan financing needs. We pride ourselves in offering our clients the right bridge loan terms to help them bridge the gap in situations where traditional financing is unavailable.

Lincoln James Capital’s structured finance team has extensive experience in the negotiation of mezzanine financing for a broad range of property types. Our advisors work with clients, senior and mezzanine lenders to properly structure subordinate debt to support each project based on its individual merits.

Agency loans are mortgages issued by Fannie Mae and Freddie Mac. This type of commercial loan is protected and guaranteed by the issuing agency that the principal amount of the loan will be repaid. Agency loans amortize on long 25- or 30-year schedules and can have interest-only payments during the first few years of the loan term.

Just like preferred stocks function in the corporate world, preferred equity in commercial real estate is a financing strategy that investors or developers employ to raise additional capital for any given capital real estate project. Preferred equity is typically utilized when a sponsor needs to close a financing gap and/or when the sponsor wants to reduce their leverage and increase their own liquidity.

Commercial mortgage-backed securities otherwise referred to as CMBS, or Conduit Loans, are fixed-income investments held up by commercial real estate loans (as collateral). The collateral loans in question are typically for commercial properties such as multi-family apartment buildings, malls, office spaces, hotels, and even factories.

Property Types







Mobile Home Parks

Student Housing


Independent & Assisted Living


Loan Types





Program Options

Fixed Rate Loan

Construction Loans

Bridge Loans

Mezzanine Loans

Preferred Equity

Agency Loans


Private Lending & Equity

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Brigitte Grava

Financial Analyst

Brigitte Grava, an accomplished scholar from the University of Tampa, holds both a Bachelor’s Degree in Economics and a Master’s of Science Degree in Entrepreneurship from her alma mater. Brigitte’s dedication to academic excellence is shown in her performance as an undergraduate student as she was invited to the Adam Smith Economic Honor Society in addition to graduating from her Master’s program at the top her class in 2022. With over 5 years of industry experience, including a specialized focus on mergers and acquisitions during her 3-year tenure at a boutique investment bank, Ms. Grava brings a wealth of financial expertise to her endeavors. Her exceptional execution of economic and financial analyses, coupled with her strategic insight, empowers her to provide invaluable recommendations for business growth and corporate development. Brigitte is skilled at navigating intricate M&A transactions, consistently delivering optimal outcomes for her clientele. Her track record speaks volumes about her ability to handle every facet of these transactions with finesse, resulting in remarkable results for her clients.

Alyssa Beatrice

Director of Marketing

Alyssa Beatrice is the Marketing Director of Lincoln James Capital, leveraging over 7 years of expertise in both B2B and B2C domains. Holding a Bachelor’s Degree in Business Administration with a major in Marketing, Alyssa’s career is driven by innovation, determination, and data-driven results. Her impressive track record showcases numerous successful online and offline marketing campaigns, reflecting her inventive spirit and collaborative team approach. Alyssa’s unwavering passion for achieving exceptional outcomes has made her an invaluable asset to our team at Lincoln James Capital.

Andrew Millis

Commercial Loan Originator

Armed with a bachelor’s degree in business administration, specializing in Personal Finance from the University of Wisconsin Stout, Andrew possesses a wealth of knowledge and expertise in the Commercial Finance industry. With a solid background in community banking spanning 3  years and an additional year as a commercial credit analyst at Bankers Healthcare Group, he has demonstrated exceptional proficiency in the financial domain. Notably, Andrew has also successfully ventured into the real estate sector, establishing three thriving businesses in recent years.

Beyond his professional pursuits, Andrew cherishes quality time with family, friends, and his two beloved dogs. He finds solace in exploring new destinations through travel and engaging in outdoor activities such as hiking, golf, pickleball, and hockey. A true sports aficionado, he ardently supports the Green Bay Packers, Milwaukee Brewers, and Chicago Blackhawks.

Alex Cheng

Senior Vice President

After receiving his Bachelor degree in 1978, Alex started his professional career with a reginal CPA firm in New Orleans as Auditor. In 1980 he moved to Los Angeles to join ABPA, a national employee benefit administration firm.  He was promoted to Accounting Manager when he left the firm in 1988 when he was recruited by Dallas TX based Caltex petroleum Corporation, a JV of Chevron USA and Texaco Oil Company.  Alex served as Director of Finance in various countries, including the Philippines, Greater China (China, Hong Kong and Taiwan) and Australia.  Alex left Caltex in 1995 to start his own accounting firm in Burlington North Carolina.  By 2006 his firm has grown to a regional presence with offices in Cary, Burlington, Greensboro, Charlotte and Rock Hill, SC.  Alex sold his successful practice in December 2006 just before the latest financial meltdown.  Since 2007, operating under the firm name Alliance Consulting Group, Alex has been a financial and management consultant advising clients on complicated fiscal matters and improve overall efficiency in management and operation.  In 2015, Alliance Consulting added digital marketing to its service area to meet the changing landscape of business.  Currently his firm manages private equity funds of Family Offices and other high net worth individuals, with focus on multi-family apartments and purpose-built Student Housing apartments near major universities throughout the country.