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| Why Choose Capital Assets,Inc |
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| Capital Assets,Inc has the knowledge,
expertise and strategic relationships required to
provide you with the most competitive rates and terms
for your commercial property. |
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Multiple program options
- Competitive rates and terms
- Knowledge and expertise
- Certainty of execution
- Convenient electronic loan process
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The Capital Assets,Inc Commercial Real Estate Lending Advantage
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At Capital Assets,Inc we
understand the search for a commercial loan that best meets your
individual investment needs, goals and property constraints is
not easy. Structured as a privately held independent commercial
real estate finance company and financial intermediary — with an exclusive focus on originating
commercial and multifamily debt, Capital Assets,Inc is able to offer a
diverse mix of commercial real estate loans to meet the
individual borrowing needs and investment objectives of its
borrowers. Commercial loans for refinancing or purchase
available.
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- Strong origination volume enables us to negotiate the most
favorable rates,
terms and costs.
- Commercial mortgage loans are available from bank,
non-bank, life companies, pensions, REITs, CMBS and other
institutional investors for most commercial property asset
classes.
- Over two decades of knowledge and experience ensure we close
on rate, term and cost.
- Efficient online electronic loan platform saves you time
and money allowing you to concentrate on your commercial
real estate investment,
not on financing your investment.
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Apartment Loans
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Multiple commercial mortgage
programs available to help maximize the return on your
apartment or multifamily property.
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Up to 80% leverage
- Non-recourse and assumable
- Highly competitive fixed and floating rates
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Capital Markets Lending
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We make capital and secondary market
commercial real estate financing
accessible while providing certainty of execution.
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Experience, knowledge and expertise
- Certainty of rate, term and execution
- Non-recourse fixed-rate debt
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Banc Series Commercial Loan Program
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The Banc-Series? Commercial
Loan program is a traditional commercial real estate
loan program providing financing for both owner-occupied
and investor properties. Refinance your commercial
mortgage loan or purchase a commercial property with low fixed
rates, up to 30 year terms and 75% leverage. Funded by
both bank balance sheet and off-balance sheet assets,
Banc Series offers several different program options –
some with less restrictive underwriting guidelines –
ensuring you get the commercial financing that best
meets your individual needs and investment objectives.
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Loan sizes from $500,000 – $25,000,000
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Traditional property types only
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15, 20, 25 and 30 year amortizations
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Up to 75% LTV
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No balloons or call options
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Multiple prepayment premium options
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Recourse and non-recourse options
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Two years of stabilized operating history
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Owner occupied or investor properties
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Minimum population requirements
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3, 5, 7, 10 and 15 year fixed-rate terms
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Prime rate floating options available
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Cash out available
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Minimal impound reserves
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660 minimum credit score required
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1.25 minimum DSCR
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Flex Series Commercial Loan Program
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The Flex-Series? Commercial
Real Estate Loan program provides flexible commercial
financing options for a wider range of property types,
credit profiles and documentation abilities than our
conventional Banc Series program. Available for both
owner-occupied and investor commercial properties, Flex
Series commercial loans provide up to 90% financing
(for owner occupied properties through the SBA 504
program) and up to 30 year terms, for both traditional and
non-traditional properties. Refinance your commercial
mortgage quicker, easier and with fewer fees.
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Loans from $500,000 – $15,000,000
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Traditional and non-traditional properties
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20, 25 and 30 year amortizations
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Up to 90% LTV for purchases (SBA 504)
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Cash out refinances up to 70% LTV
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Owner occupied or investor properties
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Full and reduced document option
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2, 5, 7, and 10 year fixed rate terms
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Up to 75% LTV for debt refinances
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Step down prepayment premium
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Small Balance Plus Commercial Mortgage Program
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Small Balance Plus? provides
fast, flexible commercial financing for small commercial
mortgages under $2 million. Streamlined commercial loan
process saves borrowers both time and money. Up to 80%
commercial financing, residential style of underwriting,
reduced document requirements, and no monthly or annual
reporting requirements simplify commercial lending.
Refinance your commercial real estate loan through Small
Balance Plus, contact us to
learn more.
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Commercial mortgages to $2,000,000
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Up to 80% LTV
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10% seller seconds on a deal by deal basis
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Up to 30 year terms
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Residential style of underwriting
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Reduced documentation
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California Commercial Real Estate Loan Program
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Capital Assets,Inc provides commercial
mortgages for traditional property types located in
California through its Cal Series Commercial Loan
program. This highly competitive program provides low
fixed rates, ability to lock rate at application and
fixed rate terms up to 15 years. Available for
commercial mortgage refinancing or acquisition.
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Commercial mortgages from $1 million
- Fixed rate terms up to 15 years
- Self amortizing loans – no balloons
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Rate lock at application
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1.30 minimum DSCR
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Up to 75% LTV
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Micro Equity Series
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The Micro Equity Series? is a
small commercial loan program targeted towards borrowers
that are
unable to qualify for bank financing due to
being self employed and not showing enough income on
their tax returns or for
low credit scores. Rates are
higher than traditional bank rates, but lower than hard
equity rates.
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Commercial loans $100,000-$1,000,000
- 25 year fully fixed rate terms
- 3-4 week closings
- Exception based underwriting
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Stated Series
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Stated-Series? stated income
commercial loans provide competitive commercial
financing for borrowers requiring a reduced document or
stated income option for the acquisition or refinancing
of commercial property. Stated-Series? does not require
personal or business tax returns. Available for
multifamily properties only.
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Tax returns not required
- Property’s P&Ls and rent roll required
- Personal financial statement required
- Highly competitive rates and terms
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Commercial mortgage loan
refinance and acquisition program availability may vary depending on property
type, state, population, economic conditions,
exposure, and other variables that may
negatively influence risk. Program rates, terms,
and conditions are subject to change without
notice. |
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