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- support@ritaxes.com
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Commercial Real Estate Finance
Owner-occupied and investment property financing — structured around what the asset and the sponsor can actually support, then placed with lenders whose appetite fits the property type, the market and the story.
The same property, financed four different ways.
A building a business intends to occupy can be financed as an SBA 504 transaction, an SBA 7(a) loan, or conventional bank debt. Each carries different equity requirements, different terms, different prepayment structures and different timelines. On a $3 million property, the gap between the right choice and a workable one runs into six figures over the life of the loan.
The decision isn’t made by comparing rate sheets. It’s made by understanding the borrower’s balance sheet, how long they intend to hold, what else they’ll need to finance in the next five years, and whether the tail on a prepayment penalty matters to their exit. Then matching that against which institutions are actually lending on that asset class, in that market, this quarter.
That’s the work. Everything after it is execution.
What We Structure
Capital solutions for commercial real estate.
The same property can be financed several different ways, with materially different equity requirements, terms and timelines. The structure follows the borrower and the hold period — not whichever product closes fastest.
Owner Occupied
For a business buying its own facility. The building is underwritten, but so is the operating company — and the structure that preserves the most working capital is rarely the one with the lowest headline rate.
- SBA 504
- Long-term fixed-rate financing with lower equity requirements, for businesses occupying 51% or more of the property.
- SBA 7(a)
- Flexible structure where the transaction includes business acquisition, working capital or equipment alongside the real estate.
- Conventional
- Bank financing where the balance sheet supports it and speed or prepayment flexibility matters more than leverage.
- Construction
- Ground-up and expansion projects, with draw structure and permanent takeout planned from the start.
Investment Real Estate
Underwritten on the asset, placed on the sponsor. Cash flow determines what the property will carry; experience and liquidity determine which institutions will actually lend on it.
- Acquisition
- Stabilized and value-add purchases across asset classes.
- DSCR
- Qualified on property cash flow rather than personal income, for investors scaling a portfolio.
- Permanent financing
- Long-term debt on stabilized assets, including agency execution where it fits.
- Bridge
- Short-term capital for repositioning, lease-up or time-sensitive acquisitions — with the takeout planned before it funds.
- Refinance & cash-out
- Restructuring existing debt to improve terms, release equity or fund the next acquisition.
- Construction
- Ground-up development with draw administration and permanent takeout.
Have a property transaction you'd like us to evaluate?
Send us the basics — property type, purchase price or current basis, NOI, and whether you’ll occupy it. We’ll tell you what structures are realistic and what they’ll require.