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Commercial real estate financing

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Financing options

Acquisition & Bridge

Acquire a property or complete a defined plan before a refinance or sale.

  • A property acquisition with a defined closing deadline.
  • A transitional property with vacancy or below-market rents.
  • Interim financing while a sale or refinance is completed.

Renovation & Repositioning

Fund improvements, lease-up, or a change in use.

  • Multifamily or tenant-space improvements supporting a leasing plan.
  • Repositioning a property for a different use or tenant mix.
  • Lease-up before a sale or longer-term refinance.

Refinance & Recapital­ization

Address a maturity, ownership change, or revised capital structure.

  • Replacing a maturing loan.
  • Financing a partner buyout or ownership change.
  • Evaluating a recapitalization alongside the next phase of the plan.

Development

Financing for select development projects.

  • Ground-up projects with a defined approval and construction plan.
  • Projects requiring a lender familiar with the property type or market.
  • Transactions requiring coordinated debt and equity.
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Financing terms

$1MM - $50MM
Loan size
70%
Max LTV
10–21
Days to close
6–24
Month terms
2–3
Points origination
Position
Senior secured, first lien only.
Purpose
Business purpose real estate loans only.
Uses
Acquisition, bridge, renovation, repositioning, refinance, recapitalization, and select development.
Property types
Multifamily, retail, office, industrial, mixed-use, and hospitality.

Typical ranges. Every loan is sized to the property and the plan. Financing is subject to underwriting, approval, and documentation. This is not a commitment to lend.

Flexible capital, creatively structured

Experience and a deep capital network let us structure financing a traditional bank can't, and move faster doing it.

Experience across the capital stack
Our lending team brings deep experience across private lending, banking, debt funds, and real estate development.
Faster than a bank
We are not bound by a bank's process. Decisions move quickly, and most loans close in 10 to 21 days.
A network built for the deal
A large network of capital relationships means the structure fits the deal, not one lender's box.
Service from start to close
One team from the first conversation through closing, with clear answers at every step.

What we evaluate

Collateral
Current value, condition, income, and support for projected value.
Sponsor equity
Cash invested, remaining funding obligations, and financial capacity.
Budget
Costs, contingencies, timing, and support for the estimates.
Business plan
The work required and the people responsible for completing it.
Leverage
Debt relative to value, cost, and the property's ability to support it.
Repayment
Sale, refinance, or cash flow, including the assumptions each requires.

Direct lender

When a request fits our lending criteria, West House Capital Partners may provide the loan directly. Structure and terms are subject to underwriting and approval.

Capital arranger

We also arrange financing through other lenders. We help present the transaction, evaluate proposed terms, and coordinate the financing process. Our role and compensation are addressed for each engagement.

Discuss financing

Share the property, amount, use of proceeds, and deadline.

Discuss financing