Commercial Real Estate.
Senior debt solutions for acquisition, refinance, recapitalization, and ground-up development across multifamily, retail, office, industrial, and hospitality assets nationwide.
Overview
Commercial Real Estate Loans, structured for institutional placement.
Summit structures and places permanent, bridge, and construction commercial real estate financing through agency lenders (Fannie, Freddie), CMBS conduits, life companies, debt funds, and balance-sheet banks. We tailor capital stacks for sponsors seeking competitive coupon, maximum proceeds, or non-recourse execution.
Typical Terms
Qualification
Required Documentation
- 01Executive summary and use of proceeds
- 02Property rent roll and trailing 12 operating statements
- 03Sponsor personal financial statement and schedule of real estate owned
- 04Purchase contract or existing loan documents
- 05Pro forma and business plan (for value-add or construction)
Process
Confidential evaluation of transaction profile, sponsor, and capital needs.
Underwriting against direct capital and the institutional partner network. Tailored structuring.
Indicative term sheet, followed by formal commitment from our capital partners.
Senior team leads execution. Documentation, closing, and funding handled end-to-end.
Frequently Asked
Questions on commercial real estate loans.
What property types can you finance?+
Multifamily, mixed-use, retail, office, industrial, warehouse, hospitality, self-storage, mobile home parks, and select special-use assets. We do not finance raw land for individuals.
Do you offer non-recourse loans?+
Yes. Agency multifamily, CMBS conduit, life company, and most debt fund executions are non-recourse with standard bad-boy carve-outs.
How is DSCR calculated?+
Debt Service Coverage Ratio is net operating income divided by annual debt service. Most lenders require 1.20× minimum for multifamily and 1.25 – 1.35× for other commercial assets.
What's the maximum LTV?+
Up to 80% for multifamily (agency), 75% for stabilized commercial, and 65 – 70% for transitional or value-add assets. Higher proceeds available with mezzanine or preferred equity.
How long does CRE financing take to close?+
Agency multifamily: 45 – 75 days. CMBS: 60 – 90 days. Bank and debt fund: 30 – 60 days. Bridge: as fast as 14 – 30 days.
From the desk
Recent research on commercial real estate loans.
The $1.5T CRE Maturity Wall and the Bridge Opportunity
Roughly $1.5 trillion of US commercial real estate debt matures between 2026 and 2028. Refi gaps are creating one of the largest bridge and mezzanine opportunities since 2009.
Bridge Loan Pricing: Where the All-In Coupon Sits in Mid-2026
Senior bridge debt is pricing SOFR + 450 to 700 over 65% to 70% LTV, with 1 to 2 points up front. Pricing is materially better for industrial and worse for office.
Fed Rate Path: What Two More Cuts Mean for SMB Financing
Fed funds futures imply two 25 bp cuts before year-end. Here's what that translates to across the SMB capital stack.
Next Step
Request a confidential review for commercial real estate loans.
Underwrite the deal before you call.
Run a fix & flip, a DSCR rental, or a bridge purchase in seconds. The same math our underwriters use to size your loan.
Estimate only. Pricing varies by sponsor experience, location, leverage, and DSCR. Final terms set by lender at credit approval.