Commercial Real Estate Loans
Ricci Capital Partners helps real estate investors, sponsors, developers, and business owners access commercial real estate loans, bridge financing, refinancing, construction financing, mezzanine debt, preferred equity, JV equity, and Co-GP capital.
If you are acquiring, refinancing, repositioning, developing, or recapitalizing a commercial real estate asset, we can help you evaluate potential financing options.
FREE SAME DAY QUOTE
Fill out the form below, and we’ll arrange a consultation at a time most suitable for you. 96% Approval Rate
Funding is not guaranteed. Approval, funding amount, terms, and timing are subject to underwriting review, business performance, eligibility requirements, and lender or funding partner approval. Submitting a request does not guarantee an offer of funding.
Provider Comparison
Ricci Capital Partners vs. Other CRE Financing Providers
| Provider | Typical Fit | Key Consideration |
|---|---|---|
| Ricci Capital Partners | CRE investors and sponsors seeking $1M–$50M+ | Partner-led process across debt, mezzanine, preferred equity, and JV equity |
| Traditional Banks | Stabilized, lower-risk assets | Competitive pricing but slower process and tighter requirements |
| Private Credit Funds | Bridge, transitional, or complex assets | Flexible structure but often higher cost |
| Mortgage Brokers | Standard CRE debt | May focus primarily on senior loans |
| Online Loan Marketplaces | Smaller or simpler requests | Limited advisory support for complex capital stacks |
| Family Offices | Flexible real estate capital | Relationship-driven and selective |
About Ricci Capital
Close rate of engaged mandates successfully funded
Commercial Property Financing
Bridge Financing Solutions
Short-term capital designed to help investors acquire, reposition, or stabilize properties before securing permanent financing.
Commercial Real Estate Loans
Secure financing for office, retail, industrial, multifamily, and mixed-use properties. CRE loans provide flexible capital solutions for acquisitions, refinancing, development, and property improvements.
Refinancing & Equity Access
Unlock property value through refinancing solutions that improve cash flow, lower costs, or provide capital for future investments.
CRE UNDERWRITING
What Lenders Typically Review
Commercial real estate financing is evaluated on a transaction-by-transaction basis. While every lender has its own criteria, the factors below are commonly reviewed when assessing a property's performance, sponsorship, and overall financing profile.
Property Type & Location
Lenders evaluate the type of commercial property being financed and the market in which it operates. Asset class, local demand, economic drivers, and market dynamics can all influence financing options and loan structure.
Purchase Price or Appraised Value
The property's purchase price and current valuation help lenders determine how much leverage may be appropriate for a transaction and how the financing compares to market value.
Net Operating Income (NOI)
Net Operating Income reflects the income generated by a property after operating expenses. Lenders often review NOI to understand a property's ability to support debt service and long-term performance.
Rent Roll & Tenant Quality
Existing leases, tenant mix, lease terms, and tenant strength can provide insight into the reliability and durability of a property's cash flow.
Occupancy
Occupancy levels help lenders assess income stability. Strong occupancy may indicate consistent demand, while vacancies may require additional analysis.
Loan-to-Value (LTV)
Loan-to-Value compares the requested loan amount to the property's value. It is a common metric used to evaluate leverage and overall transaction risk.
Debt Service Coverage Ratio (DSCR)
DSCR measures whether a property's cash flow is sufficient to cover debt obligations. Many lenders use this metric as part of their underwriting process.
Debt Yield
Debt yield compares a property's income to the proposed loan amount and can provide another perspective on risk independent of interest rates or amortization.
Sponsor Experience
Lenders often review a sponsor's track record owning, operating, developing, or managing commercial real estate projects similar to the proposed transaction.
Sponsor Liquidity & Net Worth
Financial strength may be considered to evaluate a borrower's ability to support the asset, fund unforeseen expenses, and navigate market fluctuations.
Business Plan & Exit Strategy
For acquisitions, developments, or value-add opportunities, lenders may review the strategy for improving the asset and the anticipated path to repayment, refinance, or sale.
Environmental Reports
Environmental reviews help identify potential issues that could impact the property's value, operation, or financing eligibility.
Property Condition
Physical inspections and condition assessments help lenders understand deferred maintenance, capital expenditure requirements, and overall asset quality.
Existing Debt
Current mortgages, liens, and other obligations secured by the property may affect loan structure, proceeds, and financing flexibility.
Market Conditions
Interest rates, capital availability, local market fundamentals, and broader economic conditions can all influence financing terms and lender appetite.
Options matter: Capital partners range from lenders, banks, Family Offices, Venture Capital, Private Equity in our network
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Average Deal Size. Minimum from $250k to $50M.
Close rate of engaged mandates successfully funded
Every inquiry reviewed within one business day
