Loan Programs

SAK Lending arranges commercial real estate financing across six core programs. Every deal is different — we find the right fit for your property, timeline, and goals.

Purchase

Acquisition financing for income-producing commercial real estate.

We source and structure purchase loans from a deep network of institutional and private lenders. Whether you're buying your first investment property or adding to a large portfolio, we match the deal to the right capital source and manage the process to closing.

Loan Size

$250K – $50M+

Max LTV

Up to 80%

Term

3 – 30 years

Amortization

20 – 30 years

Recourse

Full or partial

Property types:MultifamilyMixed-UseOfficeRetailIndustrialSelf-StorageHospitality

Refinance

Lower your rate, pull equity, or restructure existing debt.

Rate-and-term or cash-out refinancing on stabilized commercial properties. We analyze your current loan against today's market and identify programs that improve your debt structure — whether the goal is reduced payments, liquidity, or positioning for a future sale.

Loan Size

$250K – $50M+

Max LTV

Up to 75%

Term

5 – 30 years

Amortization

20 – 30 years

Cash-Out

Available

Property types:MultifamilyMixed-UseOfficeRetailIndustrialNNNSelf-Storage

Ground-Up Construction

From lot to certificate of occupancy.

Construction financing for new commercial development. Loans are structured to cover land, hard costs, and soft costs with a draw schedule aligned to your construction timeline. We work with lenders who understand development timelines and can move through underwriting efficiently.

Loan Size

$1M – $100M+

Max LTC

Up to 85%

Term

12 – 36 months

Draw Schedule

Milestone-based

Recourse

Typically full

Property types:MultifamilyMixed-UseIndustrialSelf-StorageRetailOffice

Short-Term Bridge

Fast, flexible financing for time-sensitive acquisitions and repositioning.

Bridge loans provide short-term capital to acquire, reposition, or stabilize a property while longer-term financing is arranged. They're ideal when speed is critical, a property needs lease-up before it qualifies for permanent debt, or a borrower needs to close before a conventional loan can be processed.

Loan Size

$250K – $50M+

Max LTV

Up to 75%

Term

6 – 36 months

Payments

Interest-only

Recourse

Full or partial

Property types:MultifamilyMixed-UseOfficeRetailIndustrialSelf-StorageHospitality

Small Balance DSCR

Cash flow-based underwriting for investment properties.

Debt service coverage ratio loans for stabilized income-producing properties. Underwriting focuses on property cash flow rather than personal income — making these a strong fit for investors with multiple properties, complex tax returns, or self-employment income.

Loan Size

$250K – $2.5M

Max LTV

Up to 80%

Min DSCR

1.00x

Term

5 – 30 years

Amortization

25 – 30 years

Property types:MultifamilyMixed-UseRetailNNNSelf-StorageIndustrial

CMBS

Fixed-rate, non-recourse financing for stabilized properties.

Commercial Mortgage-Backed Securities loans offer long-term fixed rates and non-recourse terms for stabilized, income-producing properties. Best suited for borrowers who want rate certainty and limited personal liability on larger, well-occupied assets.

Loan Size

$2M – $100M+

Max LTV

Up to 75%

Term

5 – 10 years

Amortization

25 – 30 years

Recourse

Non-recourse

Property types:MultifamilyOfficeRetailIndustrialHospitalitySelf-StorageMixed-Use

Not sure which program fits your deal? We'll help you figure it out.