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Financing is a key component of commercial real estate. If you are an investor the return your investment earns is
directly related to the amount and type of financing used to acquire the property. Similarly, proper real estate
financing has a direct relationship to the profitability of an owner/user of commercial real estate. The key is to balance
the equity and debt components to build a financial structure that takes advantage of the leverage provided by the debt
component to enhance the return on investment while having enough of an equity component to ensure that the cash flow is
not consumed by debt service. Arriving at the right balance of debt and equity is a subjective process having a lot to
do with the tolerance of the buyer for risk and the unique characteristics of the property under consideration.
Investors
Regardless of whether the property happens to be retail, industrial, office or multi-family, experienced commercial real
estate investors know that the right blend of debt to equity makes a critical difference to the financial performance of
their investment. With a broad range of loan options and the ability to finance transactions on both a nationwide and
global basis, the Seascape Financial Group is committed to working with you to get the best financial terms available for
your transaction.
- Cash-out or rate & term refinances
- Acquisition loans
- Financing for new developments
- Hard money loans
- Fixed or adjustable rate loans
- Indices based on LIBOR, Prime Rate, 12-month MTA or CODI/COSI
- Fully amortizing loans available
- Equity financing available
Owner/Users
As an owner/user your commercial real estate is not only an investment. It is where your business is located!
Thus, it is vital that your financing take into account not only the profitability of your business, but also the
continuity of your business operations. One of the key elements of business operation continuity is cash reserves.
Accordingly, the Seascape Financial Group offers loans that allow the owner/user to choose to borrow up to 90% of the
purchase price of their property and thus preserve their cash to invest in the continuing operations of their business.
- Up to 90% LTV loans on SBA 7A & 504 loans
- Up to 90% LTV non-SBA financing
- Hard money financing available
- Loans to acquire new real estate
- Financing to develop new property
- Rate & term or cash-out refinances available
- International & domestic transactions considered
Transaction Support
Closing escrow smoothly, efficiently and on time is essential to the investor in commercial real estate or a commercial
real estate owner/user. Your cash flow depends on it! That is why the Seascape Financial Group has alliances with
experts in the following disciplines all of whom are dedicated to providing exceptional service in order to see that your
transaction closes to your satisfaction.
- Title insurance
- Escrow
- Feasibility studies
- Appraisal
- Environmental assessments
- Legal services
- Accounting & tax services
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