As a nationwide provider of commercial mortgages, whether you need funding to purchase, refinance, or rehab a property, we can provide a lending option for you to access the best commercial loans available. The loans and lenders we arrange for investors feature competitive rates and terms that take into account your specific business needs. And because we are not restricted or exclusive to any one capital source, we are able to offer straightforward commercial real estate loans with an interest rate that works for you, as well as unique structures for complex situations like refinancing property loans and investor borrowing. From underwriting to repayment, we make the commercial lending process straightforward in a way that many banks cannot. Here is some general information about the parameters of our commercial mortgage loans.
- Loan Amounts: $1 million up to $40 million +
- Loan to value ratio max: Up to 80%
- Amortization: Up to 30 years amortization, interest only available
- Fixed Periods: Adjustable, 5-, 7-, 10-, 15-, 20-, 25-, 30-
- Interest rates: Exceptional, market competitive for each deal
- Business Lending Area: Nationwide geography; including primary, secondary, and tertiary markets
- Recourse: Non-recourse and recourse options
For more information about commercial loan mortgages from one of the nation’s most trusted mortgage lenders and commercial mortgage loan brokers, check out our short guide.
Types Of Commercial Mortgages We Do
- Multifamily apartment buildings, office, retail, industrial, mobile home parks, self storage, hotels
- Secured Acquisitions, Refinances, Cash-outs, Construction
- Fannie Mae, Freddie Mac, FHA (for multifamily property)
- Fixed rate and Floating rate
- Non-recourse and recourse CRE loans
- 2nd mortgages, mezzanine loans, & preferred equity
With our diverse capital source network as a trusted mortgage banker, we’re able to offer several options for each property loan and give you access to customized commercial financing solutions that increase future returns for you as a buyer. Our commercial mortgages have rates and terms far superior to those available through local bank mortgage lending.
Clopton Capital is a nationwide commercial real estate capital company and mortgage banking firm. We specialize in commercial mortgages and commercial financing, commercial bridge loans, and real estate private equity for transaction sizes ranges from $1 to $40 million. The commercial mortgage lenders at our company bring long lasting relationships with capital providers and a deep understanding of the mortgage market for commercial property loans that give our clients deep insight and superior execution.
When you want to borrow from a broker who understands investing, helps you access approval fast, and gets you the working capital you need to move forward, trust Clopton Capital. Our brokerage is structured to bring together a wide range of expertise in the commercial lender industry. And with our enormous network of lenders, we can access the best loan rates, loan payment options and amortization schedule terms available anywhere.
Wondering what to look for in a commercial mortgage broker for business loans? Read this. Then contact our brokerage to find out how you can fund your real estate investment with one of the nation’s most trusted commercial lenders.
Examples of Commercial Mortgages
Example 1) A borrower came to us wanting to purchase and office building in Fort Lauderdale for $9.5 million that was part of an association with 3 other buildings. The borrower planned to use 3 party management and buy the building as an investment. As their mortgage company, we were able to structure a 75% loan to value non recourse loan with a 25% down payment, with a 10 year very competitive rate, 2 years of interest only on the front end that goes to a 30 year amortization in year 3. The borrowers were able to maximize their cash flow and ROI on their investment without any personal recourse to them when they financed through us.
(We’ve made a helpful guide to help you understand how we determined this borrower’s commercial property rate.)
Example 2) A borrower had a loan maturing with a balloon for an apartment building in KY, but was not completely certain what they wanted to do with the property at the time and wanted manageable closing costs. They wanted a good mortgage with a fixed rate, but did not want any prepayment on the loan in case they decided to sell and repay their debt. We were able to arrange a commercial mortgage with a 5 year fixed rate, 25 year amortization that did not have any prepayment at all starting day 1. This way the borrower was protected against rate increases and had 5 years to figure out if he wanted to sell or keep the property.
Example 3) A borrower with a portfolio of retail centers in Indiana came to us wanting to refinance and cash out on all of the properties. The properties were located across western Indiana and were comprised mainly of grocery anchored shopping centers. We were able to structure a portfolio mortgage for $16.5 million across all the properties, that put over $6 million into the borrowers pocket, had a very competitive 10 year fixed rate and a 30 year amortization, non recourse.
These are a few examples, but every situation is unique. We take the time to understand the needs of each of our real estate investors to provide them with the perfect real estate mortgage for their needs. We’re more than a banking business–we’re a people business. We believe that business banking is built on trusted relationships. To us, you’re more than the value of your investment property or the figures on your mortgage application. Contact us today.