Business financing is complex and, at times, difficult.

UT Financial Services offers a range of loan programs, ensuring we can find an ideal match for your financial needs. With some of the most extensive financing resources in the industry and more than 20 years of experience, we can offer you the best financing terms available in the marketplace.

Our services include but are not limited to the following:

Debt Programs

UT Financial Services provides a wide array of loan programs to match your particular financing requirements. Our financing resources are some of the most extensive in the industry, allowing us to offer the best financial terms available in the marketplace.

Choosing a loan program requires an understanding of your investment goals. Common investment goals include: Short term or long term financing, maximum transactional flexibility, maximum transactional cash flow, property repositioning and quick closing.

Investment goals must also be matched with the most suitable loan program for a project to achieve its maximum transactional efficiencies. UT Financial Services’ debt loan programs include: Fixed rate, adjustable rate, interim financing, private money and participating loans

We’ll match your investment goals with the correct loan program to structure financing terms that best meet your project’s transactional goals.

Mezzanine Financing

UT Financial Services, LLC, provides mezzanine financing collateralized by either a direct lien on the underlying real estate or a lien on the ownership interests in the real estate. Loans range from $1 million to $100 million and are typically for a term of up to 10 years.

UT Financial Services’ mezzanine programs are very flexible and are used to bridge the gap between traditional debt financing and sponsor equity in a project. Repayment can be structured from interest only or fully amortizing.

Our mezzanine program can be used by owner/operators to: complete new acquisitions, refinance existing properties, finance build-to-suit developments, acquire equity interests of limited partners in existing partnerships, finance tenant improvements and to develop commercial projects which are positioned to produce income within a reasonable period of time.

Bridge Financing

UT Financial Services provides bridge financing collateralized by a senior lien on the underlying real estate. Loans range from $500,000 to $100 million plus and are typically for a term of 1 to 5 years. UT Financial Services’ bridge programs are very flexible and can be used for numerous transactional goals including value add or quick close transactions.

Commercial Mortgages

UT Financial Services has partnered with a leading databank of commercial mortgage lenders to make finding offers and solutions that fit your needs fast and simple. Just click the button below to get started!

Our network resources include:

  • Life insurance companies
  • Pension funds
  • Conduits
  • Banks
  • Private lenders
  • Institutional investors
  • Individual Investors
  • Professional Funds

Many of UT Financial Services’ debt programs focus outside the realm of traditional lenders. This allows real estate owners, operators and developers to meet their needs for time sensitive and complicated transactions where certainty of execution provides a substantial financial advantage.

Loans can be secured by the majority of property types including:

  • Office buildings
  • Multifamily buildings
  • Warehouses
  • Retail strip centers
  • Shopping centers
  • Hotels
  • Mixed use properties
  • Land
  • Mobile home parks
  • Healthcare properties
  • Assisted living properties
  • Medical office buildings
  • Property portfolios

Not sure if your property qualifies? Click here to send a message to one of our analysts outlining the details of your property and your investment goals!

Frequently Asked Questions

Why should I use UT Financial Services instead of my local bank?
UT Financial Services is affiliated with more than 100 lenders nationwide, including local, regional, and national banks.  We also represent a selected group of private lenders, individuals and family offices.  We understand the underwriting process at a bank can be frustrating. We strive to make every loan that we process less stressful to the client.
Are you a direct lender?
We are a commercial real estate brokerage firm.  This means we will find the best loan product from our pool of lenders nationwide that fit our client’s credentials. We also process and underwrite the majority of our transactions.
What qualifies as a commercial real estate loan?
A commercial real estate loan is a loan that is secured by commercial real estate.

Examples include but are not limited to:

  • Apartments
  • Retail properties
  • Hotels
  • Offices
  • Industrial properties
How long does it take to get a commercial mortgage?
It depends on the product type you need.

Times for common service types include:

  • Hard Money loans: 15-30 days
  • Conventional loans: 30-60 days
  • SBA7a, SBA504 and USDA: 30-60 days
  • FHA refinances-acquisitions: 90-280 days
How much money can I borrow?
This depends on many variables.

An owner-occupied property’s borrowing ability will heavily depend on the business’ cash flow and ability to repay debt. Once we calculate the company’s historical cash-flow, we will need to add the property’s debt load.

For investment properties we have created a set of tools that will help you get an idea of how much you can borrow against the subject property.

What information is needed to begin the loan process?
The easiest way to begin the process is to fill out a loan application (Form 1003) or call us.

For Investment properties we will need:

  • The property’s operating statements for the past 2 to 3 years
  • Operating statements for the year to date
  • Your corporate and personal tax returns for the last 3 years
  • A property rent roll
  • Current property pictures
  • Personal Financial Statements (PFS) for all Principals
What types of financing do you provide?
We provide financing for loans over $500,000 backed by commercial real estate.
What are the general requirements?
The optimum requirements for commercial real estate are as follows:

  • Borrower’s Net Worth (personal and business) should be equal or higher than the loan amount requested.
  • Borrower should have post-closing liquidity equal or superior to 6 months to service debt or 10% of the loan amount.
  • Prior ownership experience is highly desirable.

It is important to note that these should be taken only as general guidelines. Exact requirements will vary from lender to lender.

Ready to get started?

Our analysts are ready to help you find the ideal financial solution for your business goals. You could have you structured financial solution in as little as 15 days!