Loan products
Seven ways to finance commercial real estate. Most borrowers need one of them and are not sure which — working that out is part of what we do.
Premium products a bank cannot offer
Guardian Commercial Lending specializes in commercial real estate finance. Because we work through a network of lenders rather than one balance sheet, small business owners get access to structures that a single institution simply does not have.
- Investment-grade contract funding from $5 million and up
- Acquisition, development and construction at up to 90% loan-to-cost
- Equity partnering integrated seamlessly with your debt structure
- Build-to-suit for franchises, flagged hospitality and other project types
- Traditional conduit at bank-or-better rates
- Soft hard money for bridging a gap, at the best hard money terms around
Bridge Loans
First-position short-term financing for fast-moving opportunities. $500,000 to $25 million, fixed-rate interest only, terms to five years, closings in 14 to 21 days.
Bridge loansHard Money
Underwritten against real estate equity rather than income history. Higher rate, far less paperwork, much greater acceptance — for when time or credit is the obstacle.
Hard moneyRefinance & Cash Out
Reduce interest expense, consolidate maturing debt, simplify a messy capital stack, or release equity from a property that has performed.
RefinancingAcquisition
Financing to add a property to your portfolio, with flexible terms, rates and deposit requirements — plus a second opinion on the acquisition strategy itself.
Acquisition loansDevelopment & Construction
Ground-up and major rehab at up to 90% LTC, with one-time underwriting covering the ADC, mini-perm and permanent loan — and one fee.
Construction loansSBA 504 & 7(a)
The best terms available in commercial lending for owner-occupied property, with as little as 10% down on qualifying projects.
SBA loansCapital Markets
Debt and equity placement for larger properties and portfolios nationwide, drawing on a wide range of institutional capital sources.
Capital marketsNot sure which one?
That is normal, and it is genuinely our job rather than yours. Describe the property and what you are trying to achieve, and we will tell you which of these fits — or that none of them do.
Every deal underwrites differently.
Send us the specifics and we will come back with what is actually available.