Closed Loans
A sample of recent transactions across multifamily, commercial, and owner-user financing.
What clients say
"My business secured a construction loan through them. Ali Mahmoudi was professional, really creative and process very smooth and hassle free."
"We were under a tight deadline to close on a 12,000-square-foot retail building, and our previous lender kept stalling. Creative Commercial Group stepped in, got us a term sheet within days, and closed on time. Communication was clear the entire way through."
"I'd never gone through the SBA process before and honestly assumed it would take forever. My loan officer walked me through every document and kept the whole thing moving. We funded our restaurant expansion faster than I expected for an SBA deal."
"We had a seller who wouldn't wait, and our permanent financing wasn't ready yet. The bridge loan gave us the speed we needed to secure the property, and the team already had our refinance lined up before the bridge term was even close to ending."
"As a self-employed borrower, my tax returns never tell the full income story. A DSCR loan based on the property's cash flow instead of my personal income was exactly what I needed, and the process was refreshingly simple."
"My credit situation wasn't clean enough for a conventional lender, but the deal itself was solid. Creative Commercial Group found me private money financing in about a week and a half. No lectures, just solutions."
"We run a small processing facility in a rural county, and I didn't even know USDA business loans existed until Creative Commercial Group brought it up. The rate and terms were better than anything else we'd been quoted."
Loan Scenario
CCG was chosen as mortgage advisor to arrange a $10,500,000 cash-out refinance for an office building in Los Angeles, CA. The property was primarily leased to a payroll company with a long-standing occupancy, and 15% to the owner's company, used infrequently for client meetings and storage. The building had a $21,000,000 valuation and an owner who demanded extremely competitive terms with conditions waived that would be standard for any other similar transaction.
Challenges & Solution
The building was leased 85% to a non-credit tenant that refused to provide financials and had near-term lease rollover risk. The owner requested non-recourse on the loan and was unwilling to provide personal financials or credit for lender review. The current debt was only $3,000,000, resulting in a large cash-out request of $7,500,000 for unrestricted personal use, funded as a lump sum at closing. The client spent four months trying with other lenders before contacting us.
CCG capitalized on a long-standing debt fund relationship to justify that the majority tenant had a long history at the property, and negotiated favorable reserve and trigger events to get the lender comfortable with tenancy. The top market location, 50% LTV, and proof of substantial borrower liquidity helped get the large cash-out approved with minimal documentation that would usually be required. Our team leveraged our managed bid process to negotiate and secure very competitive terms and flexible conditions for our client.