Debt Placement
Debt placement and restructuring is no easy task. This task is made even more difficult when dealing with commercial real estate. However, CM Capital Alliance possesses the necessary expertise to strategically place and restructure your debt. Our professionals are highly trained and experienced when it comes to restructuring our clients' debts according to their best interests. Furthermore, CMCA arranges permanent financing solutions for acquisitions, refinancing and re-capitalizations of single projects or entire portfolios. CMCA possesses solid relationships and substantial buying power with a broad range of both domestic and foreign lenders, including:
- Access to all the major funding sources
- Life insurance companies
- Financial conduits and banks
- Securitized lenders
- Finance companies
- Freddie Mac
- Fannie Mae
- Pension funds
- REIT's and individual investors
Our broad range of debt solutions provide solutions for fully amortizing long term debt, non-recourse construction transactions, and highly leveraged mezzanine, bride, or preferred equity deals.
To ensure that our capital restructuring plans are the best on the market, we initiate every client's project with an in-depth research of your strategic objectives. After this initial meeting with each client, we would have effectively:
- Analyzed the asset's past operating performance and/or projected future performance
- Assisted with developing a financing strategy for your property
- Helped select the appropriate lender(s) and negotiating the most favorable terms on your behalf
- Customized a detailed lender-friendly underwriting package
- Identified potential leaders with clear investment goals that match your desired capital structure
- Promoted the transaction to prospective lenders and secured competitive bids
- Facilitated the negotiation and closed the transaction
CMCA routine and daily engagement of the capital markets furnishes us with the birds-eye insight needed to maximize your debt restructuring and investment. With the support of our in-house closing and due diligence department, we will be a part of your team through the successful funding of your transaction - and beyond.
Loan products Include:
- Fixed rate loans
- Floating and Adjustable Rate Loans
- Construction Loans
- Construction/Permanent Loans
- Forward Loans
- Credit Tenant Lease Transactions
- Tax-Exempt Loans
- Cash Out Refinancing Loans
Fixed Rate Loans
Although Fixed Rate loans are a staple of the mortgage industry, many opportunities exist for negotiation on mortgage lending terms, especially interest rates, loan-maturity and prepayment penalties. Because of our deep relationships with lenders, CMCA can provide the best fixed interest rates and additional terms in the industry. Borrowers can feel secure knowing that the rate will not change throughout the entire term of the loan. CMCA's experienced professionals know when to recommend fixed rate loans through proprietary loan evaluation models.
Floating Rate Loans
A floating rate loan is typically indexed to the London Interbank Offered Rate (LIBOR), which tracks and approximates the Federal Funds rate. Many recent borrowers have chosen floating rate loans to take advantage of the historically low interest rates of the past few years. Floating rate loans often feature minimal or no prepayment penalties. They are particularly attractive to buyers with a two to four year financing horizon, such as acquisition of a property going though a reposition or a turnaround. CMCA can help borrowers exploit these flexible structures for their immediate short-term utility or as an astute means of strengthening their long-term strategy.
Bridge Loans
All types of short-term financing can be accessed for complex or challenging situations in terms of both timing and product. Designed to be paid back relatively quickly, such as by a subsequent longer-term loan, bridge loans can be a key component in a long-term strategy for real estate borrowers. CMCA has a wide range of sources for Bridge Loans and can help borrowers understand all the nuances and conditions as well as plan for the future.
Forward Commitment
Forward commitments continue to gain in popularity in the current borrowing climate for real estate. This involves a commitment by a lender to make a loan in the future, often with a predetermined interest rate. CMCA has developed many resources for forward commitments and has experience in obtaining the optimal structure for the borrower.
