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.