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.