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.

Learn More About Our Capital Sources

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.

Loan Amount:
$500,000 to $75 Million+
Typical Term:
5, 7, or 10 years
Interest Rates:
5.54% - 8.25%
Non-Recourse:
Available
Check Size:

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.

Loan Amount:
$250,000 to $10 Million+
Typical Term:
5, 7, or 10 years
Interest Rates:
5.54% - 8.25%
Non-Recourse:
No
Check Size:

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.

Loan Amount:
$750,000 to $100 Million+
Typical Term:
5 - 30 years
Interest Rates:
5.34% - 6.98%
Non-Recourse:
Yes
Check Size:

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.

Loan Amount:
$1 Million to $100 Million+
Typical Term:
5 - 10 years Fixed
Interest Rates:
5.54% - 7.11%
Non-Recourse:
Yes
Check Size:

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.

Loan Amount:
$3 Million to $100 Million+
Typical Term:
5 or 10 years
Interest Rates:
5.22% - 7.45%
Non-Recourse:
Yes
Check Size:

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.

Loan Amount:
$1 Million - $10 Million+
Typical Term:
1 - 3 years
Interest Rates:
6.79% - 13.04%
Non-Recourse:
Available
Check Size:

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.

Loan Amount:
$1 Million - $100 Million+
Typical Term:
1 - 3 years
Interest Rates:
6.79% - 13.04%
Non-Recourse:
Available
Check Size:

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.

Loan Amount:
$3 Million to $100 Million+
Typical Term:
35 - 40 years
Interest Rates:
5.05% - 6.00%
Non-Recourse:
Yes
Check Size:

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.

Loan Amount:
$2 Million to $100 Million+
Typical Term:
5 - 15 years
Interest Rates:
4.79% - 6.34%
Non-Recourse:
Yes
Check Size:

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).

Loan Amount:
$250,000 - $14 Million
Typical Term:
5 - 25 years
Interest Rates:
5.54% - 8.25%
Non-Recourse:
No
Check Size:

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.

Loan Amount:
$1 Million - $25 Million
Typical Term:
Interest Rates:
Non-Recourse:
No
Check Size:

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.

Loan Amount:
Typical Term:
Interest Rates:
Non-Recourse:
Check Size:
$5 Million - $100 Million+

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.

Loan Amount:
Typical Term:
Interest Rates:
Non-Recourse:
Check Size:
$10 Million - $100 Million+

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.

Loan Amount:
Typical Term:
Interest Rates:
Non-Recourse:
Check Size:
$5 Million - $100 Million+

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.

Loan Amount:
Typical Term:
Interest Rates:
Non-Recourse:
Check Size:
$5 Million - $100 Million+

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.

Loan Amount:
Typical Term:
Interest Rates:
Non-Recourse:
Check Size:
$1 Million - $100 Million+

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.

Loan Amount:
Typical Term:
Interest Rates:
Non-Recourse:
Check Size:
$10 Million - $100 Million+