Commercial Refinance & Cash-Out

A refinance replaces the loan you have with a new one. Owners do it to lower their rate, to swap a loan that is coming due for a longer-term one, to change from adjustable to fixed payments, or to pull out cash from the equity the property has built.

Cash-out refinancing is often how investors fund their next purchase or a renovation without selling the property that is already working for them.

A fully leased building with steady income usually qualifies for long-term financing at the lowest cost. A property that is half-empty, mid-renovation or changing use is "transitional", and is often better served by a shorter bridge loan first, then a long-term refinance once the income is in place.

Knowing which bucket your property is in, and which lender treats it best, is most of the work. That is where we come in.

Send us the property, what you owe on it and what you want the refinance to achieve. We will tell you honestly whether now is the right time, or whether waiting for the income to season gets you a better result.