GENERAL LOAN PROGRAM

Inland Commercial Mortgage Group exclusively provides access to a small balance, non-recourse lending solution ideal for middle market borrowers seeking financing from $500,000 to $7,000,000 (larger loans considered on case by case basis).

Up to 70% of value

Interest only

Fixed-rate financing from $2,000,000 to $10,000,000

10 year term available with a five year rate reset

Step-down prepay

Very competitive interest rate based on spread over treasury / swap

COMMERCIAL LOAN BROKERAGE

Inland Commercial Mortgage Group works to identify potential lenders with programs that match the structure, promotes the transaction to the lender, secures competitive bids, and recommends the financing programs that best fit the desired objectives. We value our clients’ time. We can quickly assess the likelihood of successful debt execution by assessing a transaction with timely review of the following:

  • 2 or 3 years of historical operating statements
  • A current project budget
  • A current rent roll
  • preliminary financial information on borrower or tenant (if warranted).

After a thorough review, Inland Commercial Mortgage Group’s team will go to work on finding the optimal lending solution to ensure our client’s expectations are met with professionalism and industry expertise.

In the case of multifamily, an agency execution is oftentimes optimal through the use of a Fannie Mae or Freddie Mac Program

Inland Commercial Mortgage Group is a Preferred Correspondent for one of the nation’s largest and most successful Agency Lenders. We are able to offer the entire “menu” of multi-family finance programs offered through Fannie Mae, Freddie Mac and FHA/HUD. Our personnel has extensive agency lending experience; both through previous employment and as originators of over $1+ billion of agency debt in the past 10 years. Our team will represent the client and assist in every step of the process from loan quotes, structuring, documentation and the closing process. This process is very efficient for the borrower in that they have one point of contact to work with.

Commercial Loan Brokerage Details:

Loan Amount:

$2,000,000 and up

Loan Term:

3, 5, 7, and 10 through 25 year terms (majority 5 or 10 year terms)

Amortization:

Up to 30 years available, depending on LTV and property type

Recourse:

typically NON-RECOURSE, w/ exception of standard carve-outs

Loan-To-Value:

up to 75% LTV (possibly 80% LTV)

Prepayment Penalty:

typically yield maintenance or defeasance (minority of lenders provide alternatives)

HIGH LEVERAGE LENDING PROGRAMS

Inland Commercial Mortgage Group offers high leverage lending for value-add real estate as well. This Inland program, otherwise known as REVCAP (Real Estate Venture Capital), allows borrowers the benefit of higher loan to cost (subject to underwriting) on a non-recourse basis. With loan amounts from $3,000,000 to $12,000,000, REVCAP can serve the national industrial, retail, multifamily apartment, and office markets. These loans are structured as either a first mortgage or a mezzanine loan that can bridge a turnaround situation until stabilization/ permanent financing.

High Leverage Lending Details:

Loan Amount:

$3,000,000 to $12,000,000

Interest Rate:

Floating over LIBOR

Loan Term:

1 to 3 years (with extensions available)

Amortization:

Interest only

Pre-payment Penalty:

Very flexible Prepay

Processing:

Quick decision-making and closing, along with one-stop- shop for capital stack: for time-sensitive transactions