Commercial Financing Solutions

Common loans that PCFI offers include acquisition funding for pre-foreclosures, auctions, short sales, REOs, tax liens, or bankruptcy. We also provide private capital financing for construction projects and bridge financing solutions. Additionally, we assist with the refinancing of existing properties and the purchase of non-performing notes or mortgages, options, or other security instruments as part of our real estate loans.

Acquisition funding is one of the most common requests we receive and can be structured in various ways. Immediate access to cash is a powerful motivator when pursuing real estate opportunities, and cash offers with short closings using private capital financing often secure the lowest acquisition prices. We provide immediate capital to facilitate these cash offers. 

Of greatest importance to us is that we remain within our collateral comfort zone of no greater than 70% loan to value (LTV). 

The majority of distressed transactions are typically acquired for around 50%-70% of market value, making our real estate loans an attractive option.

Private Commercial Funds International, Inc. specializes in private capital financing by providing real estate loans against investment properties, enabling clients to monetize their equity. As is standard with all loans from PCFI, the property must not be the client's primary residence and must meet acceptable loan-to-value ratios. The funds acquired can be utilized exclusively for commercial or business purposes. 

Many of our clients opt for acquisition funding while their property is being listed for sale but require cash before the eventual sale. Instead of selling the property at a significant discount, they choose to borrow against the property.

Refinances are not the customary use for private capital financing due to the costs associated with borrowing from such sources. Generally, a client will utilize conventional lenders to refinance a private capital loan rather than the other way around. 

However, there are situations where a refinance makes sense, particularly in the realm of acquisition funding. Typically, these scenarios involve a private capital lender refinancing another private capital lender, which assists clients in refinancing other private capital loans to prevent aggressive foreclosure tactics. This approach provides clients with more time to implement an exit strategy that maximizes their financial situation in the context of real estate loans.

Private Commercial Funds International, Inc. regularly provides real estate loans for new construction projects to builders on a case-by-case basis, taking into account the client’s experience and the complexity of the project. While Private Commercial Funds International, Inc. does not focus on large development projects, it specializes in providing acquisition funding for one-off, highly marketable properties located in desirable neighborhoods.

Private Commercial Funds International, Inc. regularly provides real estate loans for new construction on a case-by-case basis, taking into account the client’s experience and the project's complexity. While Private Commercial Funds International, Inc. does not focus on large development projects, it specializes in acquisition funding for one-off, highly marketable properties located in desirable neighborhoods.