AMERICAP DEVELOPMENT PARTNERS

AMERICAP DEVELOPMENT Provides different type of loans and financial facility With an minimum interest rates.
Americap's depth of knowledge in the capital markets combined with development experience is paramount to successful funding.
Bridge Loan
Bridge financing involves a short-term interim loan period designed to bridge two points in time. Bridge loans, when used in land development often are the catalyst that allows a project to get off the ground. Bridge financing is used when conventional banks can't act fast enough or underwrite the transaction to meet the required funding need (hence you need to bridge the gap).

Mezzanine Loan
In this capital environment many land development projects require a mezzanine loan in addition to traditional equity to complete the funding need. Many of our mezzanine loan clients have equity in the transaction but not sufficient to satisfy debt underwriting requirements. Mezzanine loans for land development are becoming a common solution to enhance the capital structure, without putting an equity drain on the return for the principals of the project.

Hard Money Loans
Hard money loans can be the leverage you need to start or complete your land development project. Hard money loans are unique in structure and require different underwriting criteria than traditional real estate funding. While backed by real estate, they are riskier for the funding institution but let's face it sometimes hard money for your land development project is your best funding solution. Hard money loans can be more expensive through higher interest rates and/or fees. Hard money loans for land development can fund projects where capital is needed quickly or if the project is hard to fund through more traditional sources. So if a hard money loan can keep your project alive contact us and get your hard money loan request in for review.
Joint Venture
Our definition of a joint venture is bringing two or more entities together for the common goal of executing a land development project. The biggest challenge is understanding and matching expectations and skill sets in order for potential partners to form a successful venture. We find that setting and managing expectations early in the process is critical to the formation of a successful venture. Our expertise and interests range from constructing joint venture between parties to becoming a joint venture partner ourselves. This includes becoming partners with land owners to maximize the value of their land holdings when transitioning from agricultural land to land ready to build on

Equity
Debt markets are increasingly inaccessible without appropriate equity in today’s capital markets environment. Significant equity is going to be required in transactions going forward, as we are certainly experiencing financing institutions pulling back or out of land and development lending altogether. “Cash Is Still King” in structuring land deals, and will be required to shore up balance sheets to attract the appropriate capital to close transactions with debt providers. In some situations we’ve found clients have leveraged a project to the point where more debt is not feasible and equity is the appropriate solution for providing the necessary capital to complete and project. Whatever your situation is, our team can help you create and execute the strategy and solution for capitalizing your project.


Land Acquisition Financing
Land acquisition financing is often combined with development financing, but there are situations where separating the two requirements can lead to a more profitable project. In today's real estate market, land acquisition financing is one of the more challenging aspects of the entire capital stack; the requirements for equity and a strong balance sheet have never been more prevalent. While depressed land values and distressed sellers have created fantastic buying opportunities, lenders have tightened the available pool of funds for acquisition. Expertise, underwriting, presentation and packaging are among the tools necessary to access capital for acquisition, these tools help give us (and your project) more accessibility to acquisition capital.

Lender Workouts and Negotiations
Whichever side of the loan you are on, we have the team and the tools to minimize damages and often rescue a deal gone bad. It doesn't matter if you have an N.O.D. or a non-performing asset; we can act as a risk management consultant or third-party negotiator or perhaps even a buyer. We've seen a lot of projects enter foreclosure due to miscommunication. We are seeking transactions from developers, land owners, and asset managers at lending institutions with distressed development or building projects.

Alpine Commercial Capital

Alpine Commercial Capital is a national provider of commercial real estate mortgage loans and structured finance solutions for commercial real estate owners and developers throughout the United States.
Alpine Capital Finance (ACF), a wholly-owned subsidiary of Alpine Commercial Capital, specializes in originating, acquiring and securitizing small-balance ($200,000 - $5 million) commercial mortgage loans throughout the United States. ACF is an integral part of the commercial loan products offered by Alpine Commercial Capital including: Structure Finance Solutions, Large Loans via Alpine's Wall Street and Insurance Company Strategic Partnerships and Private Bridge Loan Financing.
Alpine Commercial Capital is a national, privately held real estate advisory firm specializing in real estate capital transactions including senior debt, structured debt, bridge capital, mezzanine debt and joint venture equity. Alpine's clients include some of the most active developers and owners both nationally and in the New York metropolitan area. Alpine has offices in New York, NY and Santa Monica, CA.
CAPITAL MARKETS GROUP
Alpine Commercial Capital has completed permanent financings across all asset types, including office, retail, multifamily, hospitality, and industrial. Alpine leverages its experience and strong reputation in the industry to create a competitive environment which results in the best financing terms possible.
STRUCTURED FINANCE GROUP
Alpine Commercial Capital's professionals have in-depth coverage of emerging sources of "unconventional" capital. Our track record of providing solutions for bridge, mezzanine and participating financings is unmatched. Our professionals continually embrace new products and stay up to date on market developments, enabling our clients to capitalize on innovative financing structures.
Alpine Commercial Capital has the experience and expertise required to close even the most complex transaction, whether it be partnership debt, preferred equity, or a B-note structure. Alpine has successfully structured and syndicated numerous transactions with a combination of junior and senior mezzanine classes, enabling borrowers to obtain significantly better financing costs. Our clients benefit from our experience and access to unique capital sources when acquiring or recapitalizing a project.
CONSTRUCTION FINANCE GROUP
Construction finance requires the specialized services found in Alpine's Construction Finance Group, which focuses on new construction and redevelopment. We develop the optimal solution for each client, based of size, scope, and location. Alpine's offerings include non-recourse, high loan-to-cost ratios, strong relationships with large construction lenders, and a client-friendly construction draw process.

American Commercial Mortgage

American Commercial Mortgage offers permanent and fixed rates, Interim, mezzanine, Fannie Mae, and HUD lending products. Typical properties include: multi-family, anchored, unanchored retail, full and limited service hotels, offices, light-industrial, self-storage, and senior housing.
William E. Cunningham, President
Mr. Cunningham has over 28 years of financial experience with Fortune 100 companies. After graduating from Boston College, he began his career with the international accounting firm of Coopers & Lybrand (now Price Waterhouse Coopers). He has held several key managerial and executive positions with three Fortune 100 companies who are worldwide industry leaders in the manufacturing, consumer and natural resources industries. During the 1990's, he became a senior executive with a nationwide commercial real estate lender.
As President, Mr. Cunningham brings many customer-based principles that he championed while with major corporations to the commercial lending industry. He has incorporated these customer-friendly practices into American's commercial lending. Persistence in fulfilling the needs and expectations of each borrower has been fundamental in American's success.
"Understanding the needs of each borrower, the inherent value of the underlying real estate and providing the level of proceeds at the most competitive price is our principal job," according to Mr. Cunningham. "When we send out an application, we like the property and expect to have a deal completed in 45 to 60 days in accordance with those terms. We don't mind a lot of hard work to overcome issues that come up if it means we'll have a satisfied customer at the end of the day."
loan Services: Industrial Buildings
Debt Service Coverage Requirement: Minimum 1.20X to 1 with spreads starting at 190 bps
Amortization: Standard amortization for an industrial building is 25 years, however, 30-year amortization is available in certain cases.
Term of loan available: Generally, 10-year terms, however, loans may be written for a term of as little as 7 years to a maximum of 15 years.
Maximum Loan-to-Value: LTV requirements are 80% of appraised value.
Prepayment restrictions: Loans are subject to being prepaid after the fourth year with Treasury Defeasance (the purchase of matching U. S. Treasury obligations maturing at the original final payment date).
Loan assumption: Loans are assumable subject to approval for a 1% fee to a qualified borrower

AEGON USA

AEGON is one of the world?s largest life insurance and pension groups, and a strong provider of investment products. AEGON empowers local business units to identify and provide products and services that meet the evolving needs of our customers, using distribution channels best suited to local markets. AEGON takes pride in balancing a local approach with the power of an expanding global operation.
AEGON as it is known today, was established in 1983, its oldest roots can be traced to the period when the company provided modest burial funds to customers to ensure a decent funeral for a family member or loved one. These funds are the historical roots of industrial life insurance.
AEGON's corporate governance structure stresses the importance of combining local management and local decision-making with the expanding resources of one of the world's leading life insurance and pension companies. AEGON has operating companies around the world, in the Americas, Europe and Asia, responsible for identifying and providing products and services best suited to their local markets. Select any of the AEGON country units for further information.
AEGON USA Realty Advisors, Inc is a part of AEGON GROUP which provide commercial help begins with a thorough understanding of the client’s needs, the market’s opportunities and the point at which the two might most profitably be joined.
Today’s real estate environment requires an extensive knowledge-base which we derived from global to property-specific experience.
Our strength is built on the trust of our clients and our ability to make good on our commitment to exceed all their real estate expectations.
Our expertise combines proven real estate practices with one of the most comprehensive infrastructures in the industry.
AEGON N. V. is one of the world’s largest life insurance and financial services companies. AEGON USA Realty Advisors, Inc. is the U. S. commercial real estate division that occupies a prominent national position as a commercial real estate lender, annually funding $3 billion with a current loan portfolio of approximately $15 billion dollars.
AEGON USA Realty Advisors, Inc. has a successful history of investing equity capital. Since 2002, we have deployed approximately $1 billion of a $2 billion allocation earmarked for additional real estate equity investments

Access Capital

MAKING COMMERCIAL LENDING WHAT IT SHOULD BE. SIMPLE!
Access Capital NW, LLC is a privately owned Commercial Real Estate Lender financing projects ranging from $150,000 to $10,000,000.
Access Capital thrives on finding flexible solutions for challenging situations that conventional banks and lenders are unable or unwilling to fund.

Access Capital has lent over $100,000,000 for multifamily residential, office, industrial, hotel, retail, and land development projects.
Access Capital's nationwide lending capabilities provides the advantage of serving borrowers wherever they live and work or wherever they decide to invest.

COMMERCIAL PROGRAMS
Finance your commercial property and offer a wide variety of competitive, innovation loan programs designed for almost any situation.

AQUISITION and DEVELOPMENT LOANS (A&D Loans)
An Acquisition and Development Loan is for the purpose of land acquisition and its ongoing development into a finished property which involves improvements such as on-site and off-site infrastructure improvements for the purpose of completion of finished SFR lots and homes or Commercial Lots. Access Capital can also make available ongoing construction debt and the repayment of the A&D loan – often without an additional closing.

BRIDGE LOANS
Bridge Loans are loans with a short ‘term’ that is used to ‘bridge’ the gap between the need for immediate cash and future financing at a lower interest rate. Bridge Loans are typically backed by hard money using the real estate owned by the borrower. Loan terms can range from several months up to 2-3 years. Bridge Loans are also typically used to take advantage of an opportunity for a Borrower. Bridge Loans can be used for acquisitions and refinancing.
Bridge Loans are available for most property types and can range from $1,000,000 USD or more.

COMMERCIAL (Purchase or Refinance)
Commercial Loans are for the purchase or refinance of commercial property. Commercial property is defined as real estate that is zoned commercial or a parcel of land soned single family residence with a density of 5 or mor liviable units on the property. We offer conforming and non-conforming loans. Excellent credit or Bad credit...we have a solution for you. Rates and terms vary depending on the merits of the transaction and the Borrower.
In the U.S. the minimum loan amount starts at $150,000.

CONDO CONVERSION LOANS
Condo Conversion Loans are for the purpose of taking an existing Multi-family project (Apartments) that are based on rental income from long term or short term lease agreements and converting the use of the property to a For-Sale product in the form of units for sale as SFR Condominium ownership units. Usually the proceeds of the loan are used for re-positioning the property, upgrading units to match competing condominium units in the surrounding market and payoff of the existing underlying long-term debt. Retirement of the Condo Conversion loan comes through principal loan reductions as each unit is sold and a percentage of each sale after sales commissions and closings costs are applied to the principal loan balance. The Condo Conversion Loan can also be structured for the acquisition of an existing property by a new owner for the purpose of condo conversion and sale.
In the U.S. the minimum loan amount starts at $2,000,000.

CONSTRUCTION
Construction loans serve the basic purpose of providing the funds for building a commercial project. They usually are interest only loans until construction is completed, at which point then either the property is sold in units or some form of permanent financing must replace the construction loan.
In the U.S. the minimum loan amount starts at $1,000,000.

CONSTRUCTION COMPLETION LOANS
Construction completion loans involve a lender or funding source replacing the financing in a project where construction has already begun. For whatever reason, the current source of funding for construction completion cannot or will not complete the funding of the construction for the project. A new lender and source of funds for completion must be found quickly to provide funds for the purpose of completing the project as planned and as close to target completion dates as possible.
In the U.S. the minimum loan amount starts at $1,000,000.

LAND LOANS (Acquisition and Refinance)
Land Loans are typically for investors, developers and builders that have identified a piece of property for future development. Loan to values are typically 50%-60% and welike to see the buildout begin within 24 months. Land Loans are designed on a short term basis and should be take out by the a Permanent Loan or the sale of the property.
In the U.S. the minimum loan amount starts at $500,000.

MEZZANINE
Mezzanine loans are similar to second mortgages, except a mezzanine loan is secured by the stock of the company that owns the property, as opposed to the real estate.
In the U.S. the minimum loan amount starts at $1,000,000.

PERMANENT LOANS (Acquisition and Refinance)
Permanent Loans are mortgages that usually take out a construction loan. Most of thetime, Permanent Loans are for income producing properties that the Borrower wishes to hold for a period of time. Rates and terms are typically much better than a Construction Loan since the property is able to produce income.
In the U.S. the minimum loan amount starts at $1,000,000.