Structured Finance
CM Capital Alliance is dedicated to developing the most innovative finance solutions. We are committed to tailoring the optimal solutions for conventional projects, and the most astute customers. Our Structured Finance Division is staffed by an accomplished group of knowledgeable and highly experienced real-estate and lending professionals. Our staff specializes in highly structured bridge, new construction and mezzanine loan needs. Our objective is to customize our services according to your specific requirements and goals.
CMCA excels in structuring financial solutions that maximize the profitability of our clients. We treat your money as if it were our own. Therefore, our customized structures include an element of financial engineering that may include debt, mezzanine financing and/or equity capital. CMCA coordinates all of the pieces in the capital stack for a seamless transaction and maximizing the certainty of execution. These structured transactions are generally high leverage - providing up to 100% of project costs.
These transactions include:
- Pre-development financing
- Lines of credit
- Acquisition and development loans
- Constructions loans
- Bridge loans
- Mezzanine debt/Preferred Equity
- B-notes
- Participating Mortgages
- Joint venture capital
- Forward Take-Outs
In today's marketplace, identifying capital is no challenge. However, identifying and securing the right capital, and capital partner, is critical to maximizing the performance of your asset.
Construction Loans
Typically, Construction Loans are short-term loans utilized by borrowers to finance building costs. Every construction loan varies depending on the product, the length of the construction process, and the borrower's experience. CMCA can help builders find the best source, rate and term for these often critical loans.
Mezzanine Loans
Quite often, a Borrower may find that their existing first mortgage has a yield maintenance prepayment penalty that effectively prevents refinancing, and that the first mortgage Lender will not allow a second mortgage. In this situation a mezzanine loan can free up trapped equity allowing the Borrower to leverage their assets and take advantage of attractive business opportunities.
Whether it be structured as partnership debt, or preferred equity, a mezzanine loan can be an integral component for a real estate owner or developer in many diverse circumstances. The mezzanine typically equals the difference between the first mortgage lending amount and 85-90% of the purchase price. CMCA has vast experience in evaluating options for our borrowers in this increasingly utilized loan product for a variety of real estate transactions.
Renovation/Repositioning
Similar to a construction loan, a renovation loan may involve financing for the specific purpose of upgrading an existing property in order to project the desired image of a product or service to the market. CMCA lending professionals are able to help borrowers present their renovation program to the right lending source and to plan and consummate transactions in a timely fashion, with the best rates and terms available.
