CAPITAL FOR WHAT COMES NEXT.BUSINESS / REAL ESTATE / PERSONAL
DISTILLEDFUNDINGFind my path
COMMERCIAL / OFFICE

Office Property Financing

Office financing should be evaluated around occupancy, lease rollover, tenant quality, market position, leverage, and exit strategy.

PART OF / Commercial Real Estate LoansUnderstand the parent funding structure
THE CONTEXT CHANGES THE CONVERSATION

Office Debt Has to Respect the New Reality of Office Demand.

Commercial real estate financing is evaluated around property operations, tenants, leases, value and the borrower's strength. Owner-occupied and investment transactions follow different paths.

01

Lease rollover and tenant concentration shape the income outlook.

02

Compare current occupancy with actual tenant commitments and concessions.

PREPARE FOR THIS CONVERSATION

Bring the specifics.

  • Lease expiration schedule
  • Occupancy, concessions and leasing-cost history

Keep an eye on

  • Tenant rollover can change income during the loan.
  • Environmental review, appraisal and a balloon maturity can affect the transaction.
See the wider checklist
T / CAPITAL, CONSIDERED

Work through the assumptions.

DISTILLED / TOOLS

Loan payment tools

Explore payment, term and total-cost scenarios in the Tools directory.

Open the tool directory ON THIS SITE

Funding readiness

Identify strengths, constraints and the next document to prepare.

Explore
04 / CAPITAL, CONSIDERED

Keep these on the shortlist.

SBA Commercial Real Estate LoansSBA commercial real estate financing can be relevant for eligible owner-occupied business property transactions, subject to program and lender requirements.Bridge LoansBridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.Investment Property LoansInvestment property financing is not one product. Rental, DSCR, bridge, hard money, fix-and-flip, and commercial structures each solve a different part of the investor playbook.
THE BIGGER PICTURE

Capital is one part
of the plan.

BUSINESS CONTEXT
Office

Q / CAPITAL, CONSIDERED

A question worth asking.

Should market asking rents determine the loan model?

Use supportable in-place and renewal assumptions. Asking rents alone do not account for concessions, vacancy and leasing costs.

YOUR NEXT MOVE

A specific need deserves a specific plan.

Start with your profile. Understand the tradeoffs. Prepare a clear request.

Check readiness Prepare a funding brief