Real Estate Financing

Fix & Flip Financing

Purchase Program

  • Up to 90% of Acquisition Price
  • Up To 100% of Rehab
  • Rate 10% & Up
  • Term 6-18 Months
  • Points Up to 5%

Refinance Program

  • Up To 100% of Rehab
  • Rate 10% & Up
  • 6-18 Months
  • Points Up To 5%

Construction Program

  • Up to 90% of Total Cost
  • Up To 100% of Rehab
  • Rate 12% & Up
  • Term 6-18 Months
  • Points Up To 5%

Purchase and Rehab Lines Of Credit

This product is designed for investors, builders, and developers looking to increase their buying power, as well as leveraging cash. This will allow them to purchase more properties at more competitive terms that would result in a higher profit margin.

Benefits of Purchase & Rehab Line of Credits

  • Credit Lines from $350,000-$5,000,000 & More
  • Up To 85% Loan to Cost
  • 9%-11% Interest Only Payments
  • No Prepayment Penalties

How Lines of Credit work

You are charged a drawn down fee at the time you are using your line of credit, and is based off the draw amount each transaction. The line of credit will be recorded against the properties you will be using only.

Bridge & Hard Money Loans

Whether you need commercial bridge loans or hard money, construction rehab financing, stated income investment property, or no doc loans, we are here to help. We deal with apartments, multifamily homes, condos, healthcare/medical buildings, self- storage, gas stations, churches, etc. Contact us when the bank says no for almost any type of private investment financing or property type.

Funding Options for Your Business

We know that finding the right funding solution can be an arduous process, which is why our specialists work closely with you to quickly and efficiently find the right plan. Our hard money and bridge loans are a great way to get you the cash you need in a short amount of time. With strategic alliances and a large funding base, we have a reputation of helping businesses gain access to capital.

Program Details

Every plan we develop is customized to fit the needs of our client. Through taking your input into account, our team can help you secure large, multi-million dollar loans up to $100 million. Our hard money loans feature:

  • Competitive Rates & Fees
  • A Large Lending Area, Even International Options
  • Expedient Closing times

Typically, we tend to lend mainly to commercial real estate businesses that are working on development or raw land projects. Our ideal clients are value-added real estate investors, builders, developers, rehab experts, and borrowers in need of short term bridge and hard money loans. If you are looking for a quality funding solution, turn to us.

CMBS/ Conduit Financing

A commercial mortgage backed security (CMBS) loan, also known as conduit loan, is a type of commercial real estate loan that is secured by a first-position mortgage on a commercial property. Conduit loans are non-recourse with no personal guarantees required.

At Benjamin Capital, we offer a CMBS financing, in addition to our other permanent loan product offerings. CMBS conduit financing provides low, fixed rate commercial real estate loans for the acquisition or refinance of multifamily homes, self-storage properties, senior housing (senior apartments, congregate care, and assisted living), industrial facilities, office buildings, shopping centers (un-anchored and anchored), manufactured housing, hotels, restaurants, and special-purpose properties. We will also finance owner-occupied and single-tenant properties. Moreover, we focus on low permanent fixed rate commercial real estate loans for acquisition or refinance. Financing starts at $500,000 to $100 million. CMBS and conduit loans are based on treasury rates plus spread.

CMBS/ Conduit Loans Include:

  • $1 million Minimum Loan
  • Up to 90% LTV
  • Non-Recourse (No Personal Guarantee)
  • Up To 30-year amortizations
  • Mezzanine Financing

Commercial Real Estate Financing

Commercial real estate business owners often have unique challenges when trying to secure funding. For this reason, Benjamin Capital specializes in working with companies in the industry. We offer owner-occupied commercial properties and investment businesses quality options for commercial real estate financing. Our experience and expertise will help you clear any hurdles and find the right funding solution.

SBA & Conventional Programs

We feature small business association 7(a) and 504 loans for properties that are either flagged or non-flagged hotels, as well as owner-occupied structures. With competitive rates as low as 4.5 percent, and terms as long as 25 years, we offer some of the industry's most competitive loans.

Our conventional options range from $200,000 to $100 million with rates as low as 3.75 percent. These loans, which are for owner-occupied real estate and stabilized investments, feature loan-to-value ratios of 75 percent and 30-year amortizations.

CMBS Loans

If you are in the market for a commercial mortgage backed securities loan, we offer options up to $50 million. These loans are backed by commercial properties, and placed into a pool before being transferred into a trust. That trust is then issued into bonds and sold to investors. The advantages to these loans include:

  • Amortizations of 30 Years with the Option to Cash Out
  • Fixed Terms of Up To 10 Years
  • Low Interest Rates & Non-Recourse Debt
  • You'll Find That Few Banks Still Offer These Options, Which Have Proven Favorable for Multi-Family Buildings, Offices, Retail & Franchised Hotels

Credit Tenant Lease Financing

Our team of financial experts also specializes in credit tenant lease financing for developers, investors, and owners whose projects are backed by leases or other streams of cash flow from investment grade corporations, retail outlets, governments, healthcare providers, universities, and other organizations. Lastly, the benefits of this program include:

  • Non-Recourse
  • Up to 100% LTV
  • Long Term Fixed Interest Rates
  • New Construction Permanent Loans
  • Debt Service Min 1.00 to 1.05

No Doc Financing

Benjamin Capital offers true, no doc loans to investors based on the property value to refinance, or purchase your residential property. No income verification needed, or debt to income to factor.

Loan Criteria:

  • 50% LTV Refi & 65% LTV for Purchases
  • Terms to 3 years
  • 12% & up
  • No Prepayment Penalties

Stated Income Commercial Real Estate

An Alternative to Traditional Commercial Loans

We've found stated income commercial real estate loans to be a viable alternative to standard business financing, if you're looking to either purchase or refinance business real estate. Instead of your credit history, this particular type of loan is more focused on a specific piece of land. One thing we ask is that the property's income value be able to fully service the insurance, mortgage, and all taxes in order for the loan to be fully approved. Additionally, one of the best things about stated income business real estate loans is that they can be approved much faster since there aren't as many documents that have to be used in order for you to qualify.

Loan Parameters

Some of the parameters for the loan program include:

  • As Much as 70 Percent Loan-to-Value on 1 to 4-Unit Non-Owner Occupied Investment Properties
  • As Much as 75 Percent Loan-to-Value on 5+ Unit Multifamily & Mixed-Use Properties
  • As Much as 65 Percent Loan-to-Value on Retail, Office, Self-Storage, Warehouse, & Auto Service Properties
  • Credit Score of 600 to Qualify
  • $100K to $5M
  • W-2 or Self-Employed

Once you've successfully enrolled in our state income commercial property loan program, you'll be able to take out a commercial loan of up to $500,000. We also offer fixed rates and complete amortization up to 25 years. No matter what kind of commercial property you have in mind, chances are good that we can accept it and have it closed anywhere from two to three weeks.

Other examples of the types of property that can be financed under the program include restaurants, apartment buildings, office real estate, and retail real estate. You can use your funds for debt consolidation, liquid capital, property improvements, and refinancing.