Debt & Equity Capital Sources and Loan Types

Why Our Clients Choose Us

Our dynamic team of highly skilled lending professionals are focused on delivering favorable outcomes, superior service, and fostering long-term relationships with clients.

Performance

We are client-centric and performance driven dealmakers. Your success is our success.

Specialization

We're seasoned lending professionals with thousands of loans funded.

Transparency

We provide a transparent engagement, diligence and closing process.

Certainty

Capitalize on more opportunities with greater certainty of execution.

INSIGNIA Financial Services seamlessly provides our clients fast, efficient access to a broad supply of CRE capital sources and loan types, including agency, bank, CMBS, credit union, debt fund, government-guaranteed, life company, and private lender capital. Leverage our expert guidance, certainty of execution, and a streamlined process.

Bank Loans

Bank Loans Banks remain a cornerstone of commercial mortgage financing, offering competitive terms for income-producing properties and construction loans for well-qualified borrowers.

Loan Amount: $500,000+
Typical Term: 5, 7, or 10 years
Interest Rates: Spread over UST or swap rate
Non-Recourse: Available

Credit Union Loans

Credit unions provide strong alternatives to banks, especially for smaller commercial real estate transactions, though they tend to focus on local markets.

Loan Amount: $250,000 to $10 Million+
Typical Term: 5, 7, or 10 years
Interest Rates: Spread over UST or swap rate
Non-Recourse: Not Available

Fannie Mae Multifamily Loans

Fannie Mae offers multifamily financing through various programs, including their Small Loans product, which is ideal for loans up to $5 million.

Loan Amount: $750,000 to $100 Million+
Typical Term: 5 – 30 years
Non-Recourse: Yes

Freddie Mac Multifamily Loans

Freddie Mac provides multifamily financing solutions through programs like the Small Balance Loan (SBL) program, tailored for properties with 5-50 units.

Loan Amount: $1 Million to $100 Million+
Typical Term: 5 – 10 years (Fixed)
Non-Recourse: Yes

CMBS Loans

Commercial Mortgage-Backed Securities (CMBS) loans suit stabilized assets, including office, retail, industrial, hospitality, and multifamily properties.

Loan Amount: $2 Million to $100 Million+
Typical Term: 5 or 10 years
Non-Recourse: Yes

Crowdfunding Loans

Crowdfunding platforms offer flexible financing options, including bridge loans, mezzanine debt, and construction funding, making them an emerging solution.

Loan Amount: $1 Million to $10 Million+
Typical Term: 1 – 3 years
Non-Recourse: Available

Debt Fund CRE Loans

Private debt funds have revolutionized commercial real estate lending, providing speed, flexibility, and diverse financing solutions for investors and developers.

Loan Amount: $1 Million to $100 Million+
Typical Term: 1 – 3 years
Non-Recourse: Available

FHA/HUD Multifamily Loans

HUD loans, while requiring extensive paperwork and longer approvals, are among the most reliable long-term financing options for multifamily properties.

Loan Amount: $3 Million to $100 Million+
Typical Term: 35 – 40 years
Non-Recourse: Yes

Life Insurance CRE Loans

Life insurance companies offer low, fixed-rate financing for stable commercial properties, favoring experienced sponsors and long-term projects.

Loan Amount: $2 Million to $100 Million+
Typical Term: 5 – 15 years
Non-Recourse: Yes

SBA Real Estate Loans

The SBA 504 and 7(a) programs provide government-backed financing to small businesses for property acquisition, development, or refinancing with high leverage options.

Loan Amount: $350,000 to $14 Million
Typical Term: 5 – 25 years
Non-Recourse: Not Available

USDA Land and Real Estate Loans

USDA loans target properties located in rural areas (populations under 50,000), offering favorable financing for eligible land and real estate development projects.

Loan Amount: $1 Million to $25 Million
Non-Recourse: Not Available

Private Equity

Private equity funds allow investors to pool resources for direct real estate investments, often providing tailored equity solutions for projects.

Check Size: $5 Million to $100 Million+

Real Estate Investment Trust (REIT)

A REIT, whether public or private, offers equity or debt capital for commercial real estate investments, delivering liquidity, diversification, and income opportunities.

Check Size: $10 Million to $100 Million+

Ultra High Net Worth Individuals

Wealthy private investors often deploy capital into real estate, providing flexible equity or debt solutions tailored to specific opportunities and sponsor needs.

Check Size: $5 Million to $100 Million+

Family Offices

Family offices prioritize wealth preservation and growth, investing in real estate through flexible equity and debt structures based on trusted partnerships.

Check Size: $5 Million to $100 Million+

C-PACE Financing

Commercial Property Assessed Clean Energy (C-PACE) programs fund energy-efficient improvements, serving as gap financing between senior debt and equity.