Dubai

COMMERCIAL MORTGAGES, USD 5MM to $100MM+

Lending Area: Worldwide (some countries are ineligible for funding due to government foreign ownership restrictions )*


PURCHASE - REFINANCE - BRIDGE - CONSTRUCTION


NO UPFRONT FEES - All lenders require borrower to pay for appraisal prior to funding (see LOAN PROCESS below).

We provide timely financing for international commercial real estate with competitive permanent mortgage terms and a streamlined process. Real estate can be held as an investment or occupied by the owner’s business. Purchase, refinance, cash-out refinance, and land development mortgages are available worldwide. With large balance mortgages of $5,000,000 plus, the lending criteria focuses more on project worthiness. However, sponsor/guarantor strength is still a factor. Borrowers can be individuals, corporations, LLCs, partnerships, trusts, estates, international investors, etc.


LOAN TYPES INCLUDE (ALL SECURED BY REAL ESTATE)

Commercial Lending, Construction Financing, PUD Development Financing, Portfolio Loans, Corporate Financing, Mergers & Acquisitions, Business Loans, Lines of Credit, Capital Raising, Start-up Capital, Bridge/Mezzanine Loans, Hard Money, Renewable Energy Financing, Complementary Energy Consultation, Residential Investor 30 Year Mortgages, No Doc, Investment Banking, Consulting


COMMERCIAL PROPERTY TYPES (WORLDWIDE)

Land Development, Apartments/Mixed Use, Hospitality (hotels and resorts), Retail/Office


RECENTLY FINANCED (A to Z)

Auto Dealerships (Franchised), Cruise Ships, Food Processing Plants, Gas Stations, Golf Courses, Hospitals, Hotel-Casinos, Industrial / Warehouses, Land, Land Development, Manufacturing Plants, Medical Malls, Mixed Use, Mobile Home Parks, Motels, Multifamily (5+ Units), Office Buildings, Retail Buildings, Resorts, Self Storage Facilities, Shopping Centers, Single Tenant, Ski Resorts, Special Purpose, Sports-Entertainment Complexes, Student Housing, Television Stations, Theme Parks, Timeshare Resorts.

MORTGAGE LOAN OVERVIEW

 
Loan Size: USD 5 Million to $100 million+
Amortization: Interest Only or 30 Year
Repayment Term: 1 to 10 years
Loan-to-Value (LTV): 75% maximum
Interest Rate: from 4.5% per annum
Origination Fee: as low as 2%

NO UPFRONT FEES
NO UPFRONT CREDIT PULL

Prepayment: No prepayment penalties.

Recourse: Recourse and Non-Recourse.
Cash Out: Yes, for any purpose.
Collateral: Commercial real estate but other fixed assets may be considered, like exchange traded common stock.
Development Projects: Borrower needs to own the land with no liens. Lenders will not finance 100%.
Funding Time Frame: Depends on loan type, borrower type (government or corporation), borrower's strength, location, and loan amount. We have closed loans in as little as 5 days after receiving all requested docs and appraisal.
Liquidity: borrower needs to show 5% of loan amount in liquid assets such as cash  in bank, common stock, etc once the loan is funded.
Appraisal Fee: once the loan is approved and lender issues a commitment, at some point, borrower will need to pay for a commercial appraisal; cost varies globally.
 
Medical Office

APPLY

Initially, only an Executive Summary (ES) and completed intake form is needed (and any supporting documents that borrower wishes to provide), or  borrower can use his/her own ES. In the case of development projects, we need: breakdown of use of funds, land status (i.e. borrower owned & free of liens?), and the land value. Email ES, intake form, & any supporting documents here.

LOAN PROCESS

If lender likes the project after reviewing the Executive Summary and intake form, lender may ask to meet borrower on a conference call to discuss/clarify any issues, balance of documents for final mortgage approval are requested from borrower, and fee agreement is emailed to borrower. Once we secure a signed loan commitment and prior to funding, all lenders will require that borrower pays for an appraisal. Commercial appraisals range in price depending on the scope of work an appraiser needs to complete and the size of the property.


* WORLDWIDE

All real estate based projects worldwide (excluding sanctioned countries) are considered with the general exception of film and movie projects and countries that do not allow foreign land ownership, which may cause an issue if borrower defaults and lender needs to foreclose. For example, Indonesia, Philippines, and Thailand restrict foreign ownership of land to a maximum of 40%, and in India a foreigner needs approval from the RBI (Reserve Bank of India). So, real estate loans in these countries are not possible at this time. On this basis, here are some countries that are feasible: Malaysia, Cambodia, Japan, UAE, United States Canada, United Kingdom, many in Europe, Australia, New Zealand, etc.