Commercial Real Estate

Whether you need a construction loan, bridge loan, mezzanine loan, long-term refinancing, or anything in between, we’re here to help you every step of the way. Bender-Carey Capital specializes in connecting our clients with lenders in Commercial Real Estate Financing. With decades of experience in Commercial Lending, we are better positioned to get the best rates, with faster approval times, and less paperwork.

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Commercial Real Estate Loans

Acquisition and Development

Acquisition loans are used to purchase new property, usually requiring at least 25% down payment. It can be subdivided, such as in land development, or improved with a structure (a more traditional Acquisition and Development loan). These are generally interest-only for the construction period and have one to three-year terms.

Bridge Loans

Bridge loans are used for immediate capital needs while transitioning to another property or expanding. The original building is put up as collateral on the transaction. This is for short term financing, usually no more than a few months maximum.

Mezzanine Loans

Mezzanine loans are a type of bridge loan where the debt is convertible to equity in the event of default, but no physical collateral is required. Mezzanine loans are appropriate for short term financing, usually no more than a few months maximum.

Construction (to Perm)

Construction loans are used to finance construction on already owned land. It is usually interest-only during the construction phase and refinanced out after stabilization. We also offer Construction to Permanent financing where the loan is converted to a long term fixed-rate mortgage when a benchmark is met. The construction term is usually no more than 2 years, followed by 10 to 30-year permanent financing.

Equity / Joint Ventures

Equity or joint venture financing is an attractive option to limit your capital exposure and form strategic partnerships. These deals are extremely flexible to your current situation but will often require more time upfront to set up.

Fixed-Rate Mortgage

Fixed-rate mortgage loans are a mainstay across the industry. They usually carry longer terms, longer amortization, and lower interest rates and fees. They are a great option for a newly stabilized property, or for purchasing an asset that is already cash-flowing. Fixed-rate mortgages typically carry terms of 20 plus years and are great for long term expense planning.

Refinance

Refinancing can be done as a follow up to any of the other types of financing. Frequently they are done once a property is stabilized and/or cash-flow positive. Typically, they need debt service coverage ratios (DSCR) of over 1.25 and longer-term amounts.

Others

With a diverse background and network of investors, we can structure non-conventional loan types. If none of the options above fit, please let us know and we can work with you to better understand your commercial real estate loan needs.

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Bender-Carey Capital Services

Equipment Financing and Leasing

We have you covered with an efficient lending platform, great rates, and superior customer service

Working Capital

Business capital is the lifeblood of a healthy enterprise. Bender-Carey Capital can provide you with the perfect solution to short-term capital needs.

Commercial Real Estate

With decades of experience in commercial lending, Bender-Carey Capital is positioned to get the best rates, with faster approval times, & less paperwork.

Asset-Based Lending

Bender-Carey asset-based loans and lines of credit may be secured by business-owned property or accounts receivable.

Invoice Financing and Factoring

Bender-Carey Capital can help you free up business capital with invoice financing.

Alternate Funding

Bender-Carey Capital can assist you with a variety of financial services. We're here to help your business grow.

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Former bank president dishes biz advice

Former bank president dishes biz advice

From the Colorado Springs Business Journal: Kristie Bender-Carey always had a knack for clearly envisioning the direction she wanted her career to take. Now, as CEO and CFO of her own business advisory firm, the Bender-Carey Group, she aims to help others do the same....

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