Services

1. Access to a Broader Network of Lenders

• Advisors often have relationships with dozens or hundreds of lenders: banks, insurance companies, private debt funds, pension funds, CMBS lenders, etc.

• They can match the project to the right lender, saving you from relying only on your existing contacts.

• They also often have access to off-market or private financing options.

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2. Better Loan Terms (Rates, Leverage, Flexibility)

• Experienced advisors know how to negotiate lower interest rates, higher loan-to-value (LTV) ratios, longer interest-only periods, and better covenants.

• They create competitive tension by having multiple lenders bid for your loan.

• They often spot hidden risks in term sheets that inexperienced borrowers might miss.

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3. Strategic Structuring

• Debt advisors can help structure complex capital stacks, combining senior debt, mezzanine debt, preferred equity, and even tax credits if appropriate.

• They advise on optimal recourse vs. non-recourse terms.

• They know what structures work for particular property types (e.g., transitional assets, development loans, value-add plays).

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4. Speed and Efficiency

• They manage the process — from lender introduction through underwriting to closing.

• They know how to package and present the deal in a way that appeals to lenders (similar to how a broker packages a building for sale).

• Saves you time so you can focus on deal-making, construction, leasing, etc.

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5. Risk Mitigation

• A good advisor spots lender risk traps, like unrealistic draw schedules, aggressive covenants, or personal guarantee “landmines.”

• They often coordinate due diligence (third-party reports, appraisals, environmental studies) to keep things moving smoothly.

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6. Market Intelligence

• Because they’re active across many deals, debt advisors have real-time knowledge of:

  • What leverage is achievable.

  • Which lenders are actively deploying capital.

  • Where spreads are tightening or widening.

  • What new lending programs are available.

• You gain insider-like information without having to shop the whole market yourself.

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7. Objective Advice

• They work for you, not the lender.

• They’re incentivized to align your financing with your project’s goals, not to sell you a loan that doesn’t fit.

• They can also help stress-test your deal to make sure the debt terms still work in downside scenarios.