Understand the Transaction
We start with what you are acquiring, refinancing or developing, how the property will be used, and what you want the financing to accomplish.
COMMERCIAL FINANCING
Financing structured around the property, business and opportunity.
Commercial financing is rarely one-size-fits-all. We review the property, borrower, business cash flow, intended use and financing objectives to help identify an appropriate lending structure.
Review Cash Flow & Strength
Depending on the transaction, lenders may assess property income, business performance, borrower net worth, liquidity and the strength of guarantors.
Match the Financing Structure
Loan amount, amortization, term, pricing, security and lender type can vary considerably. The goal is to compare the structure—not simply the headline rate.
Prepare for Due Diligence
Commercial approvals commonly involve appraisals, environmental reviews, leases, financial statements and other property- or business-specific documentation.
COMMERCIAL FINANCING JOURNEY
A clear process from opportunity to funding.
01Opportunity
02Financial Review
03Property Analysis
04Lender Options
05Due Diligence
06Funding
FINANCING NEEDS
Commercial lending for different types of opportunities.
Owner-Occupied Property
Financing for businesses purchasing or refinancing the real estate used for their own operations.
Income-Producing Property
Financing for commercial properties where rental income and property performance form an important part of the lender's analysis.
Business Acquisition
Where the financing request involves the operating business, its assets or a combination of business and real estate.
Development & Construction
More complex projects may require financing structured around land, project costs, equity, experience and an exit strategy.
WHAT LENDERS MAY REVIEW
Commercial financing is built on the complete financial picture.
The exact requirements depend on the property, business and lender. Preparing the right information early can make the financing process more efficient.
Review your commercial request with us →Property InformationPurchase agreement, rent roll, leases, operating statements, property details and existing financing where applicable.
Business FinancialsFinancial statements, corporate tax information and current interim results may be required for operating businesses.
Borrower & GuarantorPersonal or corporate net worth, liquidity, credit and supporting financial information.
Appraisal & Due DiligenceCommercial appraisal, environmental review and other reports may be required depending on the property and lender.
Down Payment / EquitySource and amount of borrower equity, including available cash or existing property equity.
Financing PurposeA clear explanation of the transaction, use of funds and repayment or exit strategy.
BEYOND THE RATE
In commercial lending, structure matters as much as rate.
Loan-to-Value
Available leverage depends on property type, location, cash flow, borrower strength and lender guidelines.
Debt Service
For income-producing properties, lenders commonly assess whether available cash flow can support the proposed debt obligations.
Term & Amortization
Different terms and amortizations affect payments, cash flow and refinancing risk at maturity.
Flexibility
Prepayment terms, guarantees, reporting requirements and future financing needs can matter as much as pricing.
COMMERCIAL REVIEW
Start with the transaction. Then build the financing around it.
Commercial lenders can assess the same opportunity differently. Orbit can help organize the request, review the key financial information and explore lender structures appropriate to the transaction.
Commercial financing is subject to lender underwriting, valuation and due diligence.
Have a commercial financing opportunity?
Tell us about the property, business and financing objective.