National Commercial Real Estate Financing
At Critical Mass Capital we adhere to sensible underwriting standards. You won’t see any new programs here that feature Trading Platforms which promise to leverage small investments and create huge returns quickly to reinvest. We also don’t promote bank guarantees and standby letters of credit to get a client capital.
We don’t deal in commodities, bonds, or any speculative investments either. We don’t make exaggerated claims regarding our abilities, and we don’t ask for large retainers from our clients just to review your request.
Can’t get to the capital you need?
As our client you can expect straightforward answers and most likely, the financing you are seeking within a reasonable time. Simply put, we have the ability to introduce our clients to a broad number of financial institutions which in most cases can finance your request.
We offer national commercial real estate and other financing tailored to your small or medium business. We work directly with borrowers, and through a number of other professionals representing principal borrowers. We can obtain commercial capital commitments from our underwriters in as little as 4 hours, and provide funding within 10 days in certain circumstances!
We can offer our clients interest only, short-term, and permanent fixed or variable rate financing with USDA B&I, SBA, private money and conventional financing. We provide national commercial real estate financing for both owner occupied or non-owner occupied properties and can provide small to large portfolio finance also.
New construction financing is available for select projects!
Also available for small business – Term Loans from $1 to $10MM that Complement Asset-Based Revolvers.
Credit challenged Investors seeking a commercial bridge loan from $100K – $2MM in New Mexico, Utah, Colorado and Texas please CLICK HERE.
Did you know that SBA and USDA BI loans can offer up to 90% financing, and can process quicker than what you’ve been led to believe?
Developers and operators of Assisted Living Centers, Multi-Family, Affordable Housing Projects, and Student Housing please inquire for special financing information available for properties and developments nationwide.
Contact us to discuss your request for financing today.
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Small Business Small Loan Program
Another program we offer is for smaller businesses that ranges from $25,000 – $500,000. Underwriting for these loans uses a very common sense approach. Decisions on these commercial real estate mortgages and business loans are based on the borrower’s entire story, not just the numbers on paper. Credit challenged clients please call to discuss.
This is a very flexible loan program that work well for self-employed applicants, including “no income verification” loans secured by both mixed-use and commercial real estate. Program includes loans for:
• Debt consolidation
• New building purchases and refinancing
• Property improvements and business expansion
• Working capital and purchases for other business needs
This loan program is a perfect fit for commercial real estate owners with properties like:
• Apartment buildings
• Retail, office or mixed-use buildings
• Funeral homes
• Hotels and motels
• Auto repair shops and more
Applicants can receive a credit approval within 24 hours. Underwriting can be completed in 48 hours and settlement can be made as quickly as 10 working days from application excluding weekends. Get in contact with us today to discuss your small business loan.
Small Balance Loans starting at $300,000
We can arrange small balance national commercial real estate financing for owner-occupied and investor commercial properties and can get your request processed quickly. We offer very attractive rates starting at 4.x% with favorable terms.
No Balloon Payments
No Rate Increase for lower FICO
One of our Small Balance mortgage loan programs provides fast, flexible financing with up to 30 year terms, the ability to borrow up to 90% of the property’s value in some cases and fast 30-45 day closings.
Up to 30 Year Terms
Up to 90% Commercial Financing for Owner Occupied Properties
Unlimited Cash Out Commercial Mortgage Refinancing
No Monthly or Annual Financial Reporting Requirements
No Balloon or Call Terms
Personal Income Combined to Help Property Cash Flow
All Loans are Assumable and Allow for Secondary Commercial Mortgages
Simplified Residential Approach to Underwriting
No Limit on Loans to a Single Borrower
Permanent Conventional and Private Financing is available!
Contact us for a current Permanent Financing Rate Sheet.
National Commercial Real Estate Bridge Financing:
Acquisition, Refinance, Quick Close, Cash-Out, Repositioning, Discounted Payoffs, Opportunistic Situations
Fast Funding from 5 – 14 Days
NO Prepayment Penalties
Up to 75% Loan to Value
1st mortgage and subordinate debt
Bridge Loan Interest Rates from 8% – 14%, deal specific
$2 – $35 Million (lower amounts available, case by case basis)
1 – 3 Year Terms + extensions
Points range from 2 – 3, deal specific
Property Types: Office, retail, multifamily, industrial, hospitality, and select commercial land
* Alternative assets considered on a case by case basis
For a fast free review and consultation of your bridge financing needs, contact us today.
We routinely provide commercial financing for the businesses listed below.
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National Commercial Financing is Available for:
Acquisition, Refinance, Cash-Out Refinance, Construction
Senior Assisted/Independent Living Centers
(Select) Commercial Developments
Market Rate & LIHTC Multifamily Developments
Mixed Use Buildings
Shopping Centers/Stand Alone Retail
Truck Stop Financing
Auto Repair Related
Renewable Energy Project Divestitures
Bio-fuels, Hydro, Waste to Energy Projects
Wind & Solar PV Projects
Mobile Home Park/RV Park Financing
Government Contractor Financing
Corporate Lines of Credit
And UNIQUE Property Types:
– Office Condos
– Light Industrial, Assembly Warehouse
– Multi-Unit Retail Strip/Shopping Centers
– S.F.R. Converted to Commercial Use
– Heavy Industrial/Manufacturing Facility
– Self-Storage Units
– Metal Buildings
– Auto Services
– Funeral Homes
– Assisted Living
– Day Care Centers
– Laundry Mats
– Dry Cleaners
– Bowling Alleys
– Golf Courses
– Animal Clinics
– Retail/Office with Residential Above.
If you don’t see it listed, contact us for a quick answer!
Critical Mass Capital provides competitive Credit Tenant Lease financing to borrowers for acquisitions, refinance or construction of a variety of property types that are tenanted by investment-grade rated tenants on long-term Bond, NNN, or ground leases.
National Credit Tenant Lease financing is a powerful tool that maximizes the financing on your commercial real estate properties leased to investment-grade tenants for either existing or to-be-built properties. Acceptable property types include Single Tenant Retail, Corporate Office, Industrial (warehouse distribution) and U.S. Government leased properties.
Debt coverage as low as 1.0 to 1.05
Loans in excess of cost allowed
Loan term matches lease term
Extended term beyond primary lease possible
Amortization can match increases in lease payments for maximum dollars
95% LTV Max
While traditional commercial real estate loans are written against the value of the land, as well as the credit and business record of the borrower, Credit Tenant Lease financing primarily emphasizes the credit quality of the tenant and lease structure in order to establish a cost of borrowing. Investment-grade tenant loans tend to price and trade like bonds in the capital markets. Pricing for non-investment grade and non-rated tenants requires additional analysis to include, among other risks, the value of the real estate asset.
Critical Mass Capital structures Credit Tenant Leases ranging in size from $1 million up to $50 million or more on single properties or large multi-property portfolios nationwide. Minimum debt service coverage ratios range from 1.0x to 1.05x, with loan-to-value not to exceed 95% LTV.
We have International Trade Finance & Funding programs available with attractive rates and terms for U.S. based companies expanding operations, and import/export, supply chain/purchase order/trade finance.
We can also arrange – Term Loans for Foreign Investments in the United States from $1MM to $10MM. Read more by clicking the PDF icon below.