Lending Criteria: Strategic Financing for High-Value Commercial Projects

Lending Criteria

At CapitalBoss, we provide a diverse range of commercial real estate financing options tailored exclusively for corporate and institutional borrowers. We offer both recourse and non-recourse loans, providing flexibility to meet the unique needs of our clients. Our lending criteria are designed to support high-quality, income-producing properties that demonstrate strong cash flow and long-term value potential. Please review the details below to see if your project aligns with our lending focus.

Minimum and Preferred Loan Sizes

  • Minimum Loan Size: $10 million
  • Preferred Loan Size: $25 million and above

We specialize in large-scale financing solutions, focusing on projects that require substantial capital. Our preferred loan sizes ensure that we engage with high-impact transactions that are positioned to generate consistent returns for our corporate and institutional clients.

Eligible Property Types

Our focus is on income-producing properties that exhibit stable cash flow and strong tenancy. We evaluate a diverse range of property types to ensure alignment with our investment philosophy, including:

  • Multifamily Residential: Large apartment complexes, luxury residential developments, and stabilized multifamily properties.
  • Office Buildings: Class A and B office properties in prime urban or suburban locations with solid leasing performance.
  • Industrial: Logistics centers, distribution facilities, and specialized industrial assets with long-term leases.
  • Retail: High-performing retail centers and mixed-use developments with established tenant bases.
  • Healthcare Facilities: Senior living communities, medical offices, and healthcare properties that generate consistent income.
  • Hospitality: Hotels and resorts with a proven track record of revenue and occupancy.

Other property types may be considered on a case-by-case basis, provided they meet our income-generating criteria and align with our lending strategy.

Borrower Qualification Criteria

CapitalBoss partners exclusively with corporate and institutional borrowers such as real estate investment firms, REITs, private equity funds, and large development companies. Our borrower qualifications include:

  • Organizational Stability: Borrowers should have a solid track record in managing or developing commercial real estate.
  • Financial Strength: Strong financial statements and liquidity to support the project’s requirements.
  • Cash Flow Stability: Properties must demonstrate reliable cash flow or have a clear plan for achieving stabilization.
  • Debt Service Coverage Ratio (DSCR): Minimum DSCR of 1.25x to ensure the property’s income can support debt obligations.

We evaluate each borrower based on their financial health, project scope, and alignment with our lending strategy.

Required Documentation

To expedite the underwriting process, corporate and institutional borrowers must provide the following documentation:

  • Executive summary and business plan for the project.
  • Corporate financial statements (balance sheet, income statement, cash flow statement).
  • Detailed property information (rent roll, appraisals, and market studies).
  • Corporate entity structure and ownership information.
  • Past real estate track record and development experience.

Additional documents may be requested during the due diligence process for a comprehensive assessment of the project and borrower’s financial position.

Process Timeline

We aim to deliver a seamless lending experience, ensuring transparency and efficiency at every stage. While specific timelines may vary depending on transaction complexity, our typical process includes:

  1. Initial Inquiry and Preliminary Review: 1–2 weeks
  2. Full Underwriting and Due Diligence: 3–4 weeks
  3. Final Approval and Closing: 2–3 weeks

Our team provides regular updates throughout the process to ensure clear communication and timely execution.

​CapitalBoss is dedicated to supporting corporate and institutional clients with financing solutions that cater to high-quality, income-producing commercial real estate projects. Contact our team today to discuss your project and explore how we can help you achieve your financial goals.