Commercial Financing
Get Financed When Traditional Banks Say No
Banks have narrow criteria. If your deal doesn't fit their box, they pass. I work across 50+ lending programs to find the lender and terms that actually fit your situation, not force you into whatever's convenient.
Let's Look at Your Deal →“The bank said no. My timeline is tight. The deal structure is complicated. I don't know where to go next.”
If any of that sounds familiar, you're exactly who I work with. A bank decline doesn't mean your deal is bad. It often means your deal doesn't fit that lender's current appetite. Banks shift priorities constantly. They'll fund hotel deals for two years, then stop taking them. When your loan comes up for refinance, they send you packing. That's not your problem. That's a lender-matching problem. If your local bank is out on hospitality, cautious on medical goodwill, or tightening on investor exposure, I place the deal where the appetite actually is.
What commercial financing means here
Commercial financing here means placing debt for commercial real estate, investment property, and operating businesses: acquisitions, refinances, bridge loans, lines of credit, construction draws, and stacked structures when one product won't carry the whole deal.
This isn't a consumer home mortgage shop. I'm also a licensed King County Realtor, so if you need someone on the buy side as well as the debt, that runs in the same deal room. If you only need capital, we stay capital-only.
This is for you if:
- Your bank turned down a commercial or CRE deal, or slow-walked it
- Your timeline is tight and the single-bank path already stalled
- The collateral or structure isn't standard: multiple assets, a distressed piece, practice cash flow plus real estate, a fleet, construction draws
- You want the deal underwritten before anyone takes it to a lender
It's not for you if:
- You need a consumer home mortgage
- You're shopping rates with no asset and no timeline
How we work
- Intake.Asset, market, timeline, bank history, and what's stuck.
- Underwriting before any lender sees it. Before I send your deal anywhere, I underwrite it myself: DSCR, leverage, guarantor strength, collateral, cash-in, timing risk, and whatever else is likely to blow up late. We build the story, including the risks and how to address them, until the package is clean.
- Matched lenders. We take that package to the two or three lenders most likely to say yes. Not a mass submission.
- Term sheets you can compare. We narrow the conversations to options you can line up side by side in plain English. You choose.
- Through funding. Appraisals, document requests, title issues, lender questions. We handle them through funding so you're not the bottleneck.
When the bank said no
A decline often means the wrong lender, the wrong product, or a package the credit committee couldn't underwrite. It doesn't always mean the deal is dead.
To tell whether it's fundable somewhere else, I need:
- What the bank said, if you have it
- The real numbers and structure
- Your timeline and what has to close together
- Anything the first package left out
The usual problems: the deal was written up for a product the bank doesn't offer, unusual collateral never got explained, working capital or a separate real estate piece was missing, or the timeline assumed a credit process that takes longer than escrow allows. A better package fixes some of those. Some deals aren't fundable on the terms you want, and I'll tell you that early instead of burning your close date.
Medical practice deals run into this a lot, because many banks are cautious on goodwill. If that's your deal, see medical practice acquisition financing.
The Deals
Deal Types I Finance
Medical Practice Acquisitions
Multi-location acquisitions up to $13M. 100% financing structures with operational transition capital. I've closed more medical practice deals than any other category in the last two years.
Multifamily & Apartments
Acquisition, refinance, bridge-to-permanent, and construction. DSCR specialist.
Hotels & Hospitality
Acquisition and renovation financing. Flag conversions, independent operators, and repositioning capital.
Gas Stations & Convenience
Acquisition financing, cash-out lines, and portfolio loans for single and multi-site operators.
Construction & Ground-Up
New construction financing for residential and commercial development. Single-family to 6+ unit projects.
Business Acquisitions
SBA and commercial financing for buying businesses. Equipment, working capital, and creative structures.
Bridge & Hard Money
Short-term capital for time-sensitive acquisitions. Speed over rate when the deal demands it.
Looking for a CRE mortgage broker near Seattle? See the CRE mortgage broker Seattle page. Buying the asset and placing the debt in one deal room? See the dual-lane acquisition playbook.
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Deals Personally Closed
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Platform Capital Deployed
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Years in Commercial Lending
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Years in Real Estate
Rental Calculator
Pressure-test a rental deal before you write the offer.
I turned the rental-property worksheet our underwriting team uses into a live web calculator. Enter the property's historical rent and expense numbers, change leverage and rate assumptions, and use goal seek to find the purchase price the deal can actually support.
What it shows
- NOI, annual debt service, cash flow, and cap rate
- Year-one loan paydown, appreciation, and total ROI
- DSCR-based goal seek for the max financeable purchase price
The Proof
See How These Deals Actually Get Done
The deal types above aren't theoretical. Every one of them represents actual closed transactions: 65+ deals closed across acquisition, construction, and refinance. Eight case studies with the numbers included.
Read the case studies →FAQ
What kinds of deals do you finance?
Medical practice acquisitions, multifamily and apartments, hotels and hospitality, gas stations and convenience, construction and ground-up, business acquisitions, and bridge or hard money. If yours doesn't fit one of those, send it anyway and I'll tell you whether I can help.
What should I have ready before we talk?
The asset, the market, your timeline, what any bank has already said, and what's stuck. Real numbers beat estimates. If you don't have everything, start with what you have.
When should I use you for both the purchase and the financing?
When the purchase and the debt have to share one underwriting story and one closing calendar. If you already have buy-side covered, we stay capital-only. See the dual-lane acquisition playbook.
Have a Deal? Let's Talk.
15 minutes. Tell me your deal. I'll give you a straight read.
Send Me Your Deal →