Every floor of your building
has a financing layer.
Most lenders see a mixed-use building and check a single box. We see three distinct financing opportunities stacked on the same parcel — and we structure each one.
Retail Anchor
The street-level engine
Ground-floor retail in mixed-use deals qualifies for SBA 504 when owner-occupancy meets the 51% threshold — even with residential above. We structure the certified development company tranche and the bank first so your equity goes further.
- Up to $5.5M CDC debenture
- 10% borrower equity minimum
- Eligible: restaurant, medical, fitness, service retail
- 25-year amortization on real estate
Construction Bridge
The transition capital layer
The most expensive moment in mixed-use development is the gap between construction completion and stabilized occupancy. We place short-term bridge debt that converts cleanly to permanent — no re-underwriting the deal from scratch when you hit 90% leased.
- 18–36 month initial term, 2 extensions
- Interest-only during lease-up
- C-to-P conversion without full requalification
- Lender network: 40+ non-bank bridge lenders
Permanent Debt
The long-term capital stack
When the building stabilizes, DSCR underwriting prices the residential income on its own merits — not the borrower's W-2. For mixed-use with 5+ residential units, we access agency-adjacent execution that prices tighter than most developers expect.
- DSCR as low as 1.10x for seasoned sponsors
- Non-recourse available at 65% LTV
- Blended income underwriting: retail + residential
- 30-year fixed and 5/1 ARM options
Deals that didn’t fit
a single checkbox.
Four-story mixed-use with ground-floor taqueria and 22 residential units above. Family office sponsor, first mixed-use deal. Conventional lenders declined — retail income excluded from underwriting.
Adaptive reuse of a 1920s warehouse: ground-floor co-working with 14 live/work lofts above. Syndicator with 2 prior deals, complex LLC structure. Three banks passed.
Corner parcel development: pharmacy on ground, 8 condos above. DSCR underwriting on the residential component freed the sponsor to pre-sell 6 units before stabilization.
Transit-adjacent mixed-use: 3 retail bays, 2 floors of office, 31 apartments. Structured as construction bridge converting to agency-adjacent perm. Sponsor had 5 prior deals.
Every booked call
arrives with context.
We don’t do discovery calls. By the time you speak with a structurer, your deal profile is already on the table. The first 15 minutes go directly to capital structure — not introductions.
Submit your deal profile
The quiz you just completed. Takes 90 seconds.
Receive a pre-call memo
We map your project to eligible programs before the call.
Talk structure, not sales
30 minutes. Specific to your building, your market, your stack.
Our Structurers
Marcus Okafor
Senior Structurer — SBA & Bridge
Elena Vasquez
Structurer — Permanent & DSCR
Daniel Choi
Structurer — Construction & C-to-P
Talk to a Structurer
30-minute call · No pitch · Deal-first