Real Estate Financing
Alternative Long-Term CRE Financing
Alternative long term CRE financing gives commercial real estate borrowers a path to stable when a conventional bank loan is not an option. Whether due to timing, credit, or deal complexity alternative long-term financing gives you a path to stable, longer-horizon capital without the rigid criteria of traditional lending.
What Is Alternative Long-Term CRE Financing?
Alternative long-term CRE loans are non-bank financing solutions structured for hold periods similar to conventional mortgages, but with more flexible qualification standards. These loans are designed for borrowers who need a durable, long-term structure but can’t or don’t want to go through a bank.
Private and non-bank lenders evaluate deals based on asset value, cash flow, and deal structure not just credit scores and tax returns. That opens the door for borrowers who’ve been turned down elsewhere or who are working against a deadline that banks can’t meet.
Who Is This For?
Time-Sensitive Situations Conventional financing timelines don’t always match deal timelines. Alternative lenders can move faster.
Complex or Transitional Assets Properties that don’t fit neat bank categories — mixed-use, transitioning occupancy, value-add plays.
Credit or Income Challenges Strong asset, thin documentation, or a credit event in the past? Asset-based underwriting looks at the deal first.
Rescue & Recapitalization Replacing a maturing loan, buying out a partner, or pulling equity out of a distressed position.
Longer Hold Periods - Structures that support multi-year ownership, not just a short-term band-aid.
Lenders focus on the property's value and income potential, not just borrower financials.
Faster Closings - Non bank lenders move quickly critical when timing is part of the deal.
More Flexible Criteria - Unconventional deal structures and borrower profiles that banks would decline.
GET FINANCING FOR YOUR BUSINESS NEEDS
Running a business is hard. Financing it shouldn’t be.
Ready to explore long-term options for your deal? Submit your info and we’ll match you with the right lender.
Required Documents and Qualifications
- Property details & rent roll
- Operating statements
- Purchase contract or loan payoff
- Personal financial statement
- Entity docs
- Credit report
- Prior loan history (if applicable)
Why Work With US
Finding the right lender on your own can be time-consuming and frustrating. A declined application can cost your business time and opportunity.
Our team understands the alternative long term CRE financing landscape and knows which lenders are actively funding businesses like yours right now. We do the matching so you don’t have to chase dead ends.
