Experience & Transactions
Over $500 million in commercial real estate transactions closed across all 50 states — bridge, construction, DSCR, hotel PIP, CMBS maturity rescues, land bridges, and distressed workouts. Below are representative closings that illustrate how we structure capital around the deal.
Representative Closings
Hospitality PIP Refinance
Midscale hotel facing a mandatory $4.2M PIP with a maturing $8.5M CMBS loan. Structured 80% LTC bridge with renovation holdback and $2.8M interest reserve. RevPAR rose from $54 to $78 post-renovation.
Class A Multifamily Development
312-unit garden-style project, $31M hard costs + $5M soft. Phased milestone draws and an 18-month interest reserve sized for realistic delays. Completion guaranty from the sponsor.
Office — Maturity Default Avoided
Class B office at 71% occupancy heading into CMBS maturity default. Bridge capital sourced in 18 days to avoid special servicing. Borrower stabilized and refinanced into permanent debt.
Multifamily Acquisition
72-unit value-add complex with a 21-day seller deadline that ruled out conventional financing. Bridge loan closed in 11 days, enabling a $1.4M renovation plan and re-tenanting.
Industrial Portfolio — No Income Docs
Four light-industrial assets for a self-employed sponsor with complex income. Qualified at 1.38x DSCR with no personal income verification. Closed all four in a single transaction.
Retail Power Center
Grocery-anchored center with a maturing CMBS loan and a non-cooperative special servicer. Bridge-to-permanent structure paid off the maturing debt and funded TI/LC for two new anchor leases.
Entitled Development Site
Fully entitled multifamily development parcel where banks declined raw-land exposure. 50% LTV land bridge closed in 9 days, allowing the developer to secure the site ahead of permits and pursue construction debt.
Foreclosure Payoff & Recap
Borrower 30 days from foreclosure on a mixed-use asset. We negotiated a discounted payoff with the existing lender and funded the recapitalization in 12 days, preserving the sponsor's equity.
Branded Hotel Renovation
Marriott-flagged property requiring a brand-mandated PIP. Structured a bridge with a $5.5M renovation holdback released by inspection, refinancing existing debt and preserving the franchise flag.
Adaptive Reuse Fix-and-Flip
Distressed retail box acquired at auction for conversion to medical-office use. Asset-based hard money closed in 6 days with a renovation holdback; exited to permanent financing post-stabilization.
Office-to-Multifamily Conversion
Over-leveraged office asset repositioned to residential. Bridge recapitalized the broken capital stack, funded conversion costs, and reset terms ahead of a planned agency takeout.
Owner-Occupied Industrial
Manufacturer acquiring its own facility. SBA 504 structure with just 10% down, fixed-rate CDC portion, and a 25-year term — preserving working capital for equipment and hiring.
Representative closed transactions. Figures and locations are illustrative and anonymized to protect borrower confidentiality; individual results vary and are subject to underwriting.
What We Finance
Garden, mid-rise, value-add, Class A new construction
Warehouse, light industrial, flex, last-mile logistics
Flagged & boutique hotels, PIP renovations, RevPAR turnarounds
Grocery-anchored, power centers, single-tenant NNN
Class A/B, medical office, conversions & repositioning
Retail-over-residential, live-work, urban infill
Entitled development sites, land bridges, pre-construction
Stabilized, lease-up, and ground-up facilities
How We Solve It
Cash-out and rate-and-term refinancing for stabilized and transitional assets. We refinance maturing loans, free up trapped equity for the next acquisition, and bridge borrowers to permanent agency or CMBS takeouts.
Example structure: Bridge-to-permanent on a retail center — pay off maturing CMBS debt, fund TI/LC, season 12–18 months, exit to agency. DSCR refinancing →
Foreclosure payoffs, discounted payoffs (DPO), note purchases, bankruptcy exits, and recapitalizations of broken capital stacks. We move fast enough to preserve sponsor equity when every week reduces options.
Example structure: Negotiated DPO + 12-day recap funding to halt a foreclosure on a mixed-use asset. Distressed CRE rescue →
Brand-mandated Property Improvement Plans structured with renovation holdbacks released by inspection — preserving the franchise flag and protecting RevPAR throughout the renovation. Bridge and refinance options for flagged and independent hotels.
Example structure: $16M bridge with a $5.5M PIP holdback on a Marriott-flagged hotel. Hotel PIP financing →
Short-term financing on entitled development sites where banks decline raw-land exposure. We bridge developers from site control through permitting, positioning the project for construction debt.
Example structure: 50% LTV land bridge on a fully entitled multifamily parcel, closed in 9 days. Construction financing →
The 2024–2026 CMBS maturity wave is forcing refinances into a tighter market. We engage early — before special servicing transfer — and present a credible capital solution that maximizes the borrower's negotiating leverage.
Example structure: $19.2M bridge sourced in 18 days to refinance a maturing office CMBS loan and avoid special servicing. Bridge loans →
Where We Lend
Fintek Capital lends in every U.S. state with no geographic restrictions, with deep transaction experience across the Sunbelt, Southeast, Texas, Mountain West, and major coastal metros.
Tell us about your transaction — no credit pull, term sheet in 24–48 hours.