Who it fits
Permanent financing should fit the property's cash flow, hold period, lease profile, and future flexibility. Capital Partners compares fixed and floating structures, recourse, amortization, prepayment, reserves, and lender process before a borrower commits to a path.
The lowest stated rate is not automatically the best execution when prepayment, structure, proceeds, and closing certainty differ.
The request should tell one consistent story across the source documents, underwriting, and borrower presentation. Capital Partners tests the loan purpose, requested amount, property condition, sponsor contribution, and exit before broad outreach begins.
Terms and structure
Loan amount, leverage, pricing, recourse, amortization, reserves, and timing depend on the property, borrower, request, and current lender market. A principal reviews the applicable range after the first conversation.
What lenders review
Lenders focus on durable net income, lease rollover, debt service coverage, sponsor strength, and asset quality. Different capital sources weight those facts differently. A bank may emphasize relationship, global cash flow, and guarantor support, while a debt fund may focus more heavily on basis, control, and the path to repayment.
Capital Partners compares more than the headline rate. Proceeds, recourse, reserves, prepayment, reporting, extension rights, deposit requirements, and closing certainty can change the economic result.
How the placement works
First, the team confirms the request and identifies the credit issues likely to matter. Second, Capital Partners matches the scenario against lender criteria and reviews the candidate set. Third, the team approaches the lenders that fit, manages questions, compares proposals, and helps the borrower move the selected execution toward closing.
A disciplined process protects the borrower's time and avoids presenting an incomplete request to sources that were never suited to the transaction.
Common questions
Who uses permanent loans?
Borrowers use this structure when the property and business plan call for it. The right fit depends on durable net income, lease rollover, debt service coverage, sponsor strength, and asset quality.
What terms should I expect?
Pricing, proceeds, recourse, amortization, reserves, and closing conditions depend on the lender and the current deal. A principal reviews current structures on the first call rather than publishing unconfirmed market ranges.
How does Capital Partners choose lenders?
The team filters the private database by property, deal type, capital range, geography, current status, and the preferences that matter to the borrower. A principal then reviews the result before lender outreach.
What should I prepare first?
Prepare a clear request, current property information, sponsor background, sources and uses, and support for durable net income, lease rollover, debt service coverage, sponsor strength, and asset quality. Capital Partners will identify the remaining items after the first review.
Can I start without a full package?
Yes. The capital plan collects the core scenario without documents. A lender-ready package follows after Capital Partners confirms the likely execution paths.