Portfolio Loans: Customized Commercial Financing Held In-House
At Crestico, we’re more than just a mortgage brokerage—we’re your strategic partner in scaling and streamlining your real estate investments through intelligent financing.
Specialized Commercial Loans | Hard Money & Portfolio Options?
What are Commercial Portfolio Loans?
A portfolio loan is simply a loan that a bank or financial institution, like [Your Company Name], chooses to keep on its own books rather than selling it to investors in the secondary market (as is common with many conventional or CMBS loans). Because we are not bound by the strict requirements of outside investors for these loans, we can often be more adaptable.
Not all commercial lending needs fit neatly into the standardized boxes of the secondary market or rigid institutional guidelines. At Crestico, we understand that some borrowers and properties require a more personalized and flexible approach. That’s why we offer Commercial Portfolio Loans – financing solutions that we originate and often hold “in-house” on our own balance sheet, rather than immediately selling them.
This ability to keep loans within our own portfolio gives Crestico greater discretion and flexibility in our underwriting decisions and loan structuring. It allows us to consider the bigger picture, build stronger relationships with our borrowers, and finance unique or complex commercial real estate scenarios that might be challenging for other lenders.
When Might a Portfolio Loan Be the Right Choice?
A commercial portfolio loan from Crestico could be an ideal solution if:
You have a strong business plan or investment strategy but don't perfectly fit conventional lending guidelines.
You own or are acquiring a unique commercial property that requires a lender with a more flexible approach.
You value a direct relationship with your lender who understands your local market
You are a real estate investor looking for a lender who can accommodate a portfolio of properties.
You need slightly more creative or customized terms than what's available in the broader market.
Benefits of a Commercial Portfolio Loan with Crestico
Opting for a portfolio loan can offer several distinct advantages:
Greater Flexibility in Underwriting
We can take a more holistic view of your financial situation, the property’s potential, and your overall business plan. This can be beneficial for:
- Borrowers with non-standard income documentation (e.g., self-employed individuals, unique business structures).
- Properties with unique characteristics or non-traditional uses.
- Situations with minor credit blemishes but strong compensating factors.
Customized Loan Structures
We have more latitude to tailor loan terms, amortization schedules, and even prepayment options to meet your specific needs and the property’s cash flow.
Relationship-Based Lending
Portfolio lending often fosters a closer, long-term relationship between the borrower and [Your Company Name]. We are invested in your success as our client.
Financing for Unique Properties
Properties that might not qualify for agency or conduit financing due to age, condition, location, or specific use can often find a home in our portfolio.
Potentially Faster Decisions (in some cases)
While still thorough, internal decision-making processes can sometimes be quicker than those involving multiple external parties.
Solutions for Investors with Multiple Properties
We can often provide portfolio-level financing for investors managing several commercial properties.