Debt and Equity Financing

There’s a better way to finance your property than going from bank to bank. StackSource matches you to the capital sources likely to offer the most favorable terms.
Bank Loans

Bank Loans

Banks have long been a staple of the commercial mortgage market. They are competitive for many cash-flowing loan scenarios as well as for construction for strong borrowers.
$500,000 to $75 Million+
Typical Term:
5, 7, or 10 years
Loan Amount:
5.54% - 8.25%
Non-Recourse:
Interest Rates:
Available
Credit Union Loans

Credit Union Loans

Credit Unions don't get the same star treatment as their Bank counterparts, but are often a very strong option for local commercial real estate, if not for larger institutional projects.
$250,000 to $10 Million+
Typical Term:
5, 7, or 10 years
Loan Amount:
5.54% - 8.25%
Non-Recourse:
Interest Rates:
No
Fannie Mae Multifamily Loans

Fannie Mae Multifamily Loans

Fannie Mae is a government-sponsored entity that supplies Multifamily loans through its various lending programs. One of the most popular is their Small Loans program for loans up to $5 Million.
$750,000 to $100 Million+
Typical Term:
5 - 30 years
Loan Amount:
5.34% - 6.98%
Non-Recourse:
Interest Rates:
Yes
Freddie Mac Multifamily Loans

Freddie Mac Multifamily Loans

Freddie Mac is a government-sponsored entity that supplies Multiamily loans through multiple lending programs, including their Small Balance program for 5-50 unit communities up to $7.5 Million.
$1 Million to $100 Million+
Typical Term:
5 - 10 years Fixed
up to 20 years Floating
Loan Amount:
5.54% - 7.11%
Non-Recourse:
Interest Rates:
Yes
CMBS

CMBS

CMBS lending is typically a fit for loans $3 Million or greater, on stabilized office, industrial, retail, hospitality, or multi-family assets. Maybe not the most fun, but very attractive numbers.
$3 Million to $100 Million+
Typical Term:
5 or 10 years
Loan Amount:
5.22% - 7.45%
Non-Recourse:
Interest Rates:
Yes
Crowdfunding Loans

Crowdfunding Loans

Crowdfunding portals are the new kids on the block, and their offerings vary pretty widely. Via StackSource, they can provide bridge loans, mezz debt, and construction funds.
$1 Million - $10 Million+
Typical Term:
1 - 3 years
Loan Amount:
6.79% - 13.04%
Non-Recourse:
Interest Rates:
Available
Debt Fund CRE Loans

Debt Fund CRE Loans

There are more private lenders available for commercial real estate than at any other point before in history, and they bring a much more quick, flexible option to the market.
$1 Million - $100 Million+
Typical Term:
1 - 3 years
Loan Amount:
6.79% - 13.04%
Non-Recourse:
Interest Rates:
Available
FHA / HUD Multifamily Loans

FHA / HUD Multifamily Loans

HUD's multifamily loan programs have historically been difficult to obtain due to heavy paperwork, approvals, and long time-to-funding, but they represent an extremely stable long-term option.
$3 Million to $100 Million+
Typical Term:
35 - 40 years
Loan Amount:
5.05% - 6.00%
Non-Recourse:
Interest Rates:
Yes
Life Insurance CRE Loan

Life Insurance CRE Loan

Life Insurance Co loans are coveted for their long-term, low fixed rates. These lenders prioritize very stable property loans from extremely experienced, reliable borrowers.
$2 Million to $100 Million+
Typical Term:
5 - 15 years
Loan Amount:
4.79% - 6.34%
Non-Recourse:
Interest Rates:
Yes
SBA Real Estate Loans

SBA Real Estate Loans

The US Small Business Administration ("SBA") provides partial guarantees for loans to qualified businesses to develop, purchase, or refinance real property for operations. The SBA 504 program (only for real estate) and the SBA 7(a) program (can be backed real estate and other collateral are both popular with small business borrowers due to the high maximum leverage (90% LTC).
$250,000 - $14 Million
Typical Term:
5 - 25 years
Loan Amount:
5.54% - 8.25%
Non-Recourse:
Interest Rates:
No
USDA Land and Real Estate Loans

USDA Land and Real Estate Loans

USDA is a government sponsored entity that provides debt financing to properties located in eligible rural areas which include all areas other than cities or towns larger than 50,000 people.
$1 Million - $25 Million
Loan Amount:
Non-Recourse:
No
Private Equity

Private Equity

Real Estate Private Equity is a type of investment made from a private, non-publicly traded entity (or entities) that allows investors to pool their money together invest equity directly into real estate assets and projects.
$5 Million - $100 Million+
Check Size:
Real Estate Investment Trusts

Real Estate Investment Trusts

Real Estate Investment Trusts (REIT) can be public or private entities that allow investors to access equity or debt investments into commercial real estate assets nationwide.  REITs can provide investors with dividend-based income, competitive market performance, transparency, liquidity, inflation protection and portfolio diversification.
$10 Million - $100 Million+
Check Size:
Ultra High Net Worth Individuals

Ultra High Net Worth Individuals

Ultra HNW Individuals understand the financial advantages from investing in real estate through debt and/or equity positions. They offer the highest degree of flexibility compared to other investment programs because the HNW individual makes the rules to determine where and how they want to place their capital.
$5 Million - $100 Million+
Check Size:
Family Offices

Family Offices

Family offices understand the financial advantages from investing in real estate through debt and/or equity positions and can be more flexible than traditional capital sources. The families typically focus on wealth creation and wealth preservation via opportunities presented from trusted relationships.
$5 Million - $100 Million+
Check Size:
C-PACE

C-PACE

Commercial Property Assessed Clean Energy is a state and local government  financing program for energy efficiency and renewable energy improvements on commercial property. It typically serves a type of gap financing between senior loans and Sponsor equity.
$1 Million - $100 Million+
Check Size:
Ground Lease

Ground Lease

Ground leases unlock the financial potential of land without the sponsor having to sell off their ownership of its "improvements" (i.e. the building). The ground leases are usually long-term (50-99 years) and allow developers to lease the ground and build or retain commercial property atop.
$10 Million - $100 Million+
Check Size: