FAQs
Commercial Real Estate Financing
What financings does i95 Capital offer?
To provide you with the lowest cost of money, i95 Capital offers one of the largest selections of business financing solutions anywhere. These include Acquisition Financing, Bridge Loans, Refinance Loans, Construction Financing, Permanent Financing, Mezzanine Financing, and CMBS Loans. One easy online application is all you need to get started, and our expert financing advisors will review your information and, with you, identify the best financing options for your business.
What types of properties are eligible for financing through i95 Capital?
i95 Capital offers capital solutions for most commercial real estate properties, including multifamily units, office buildings, retail spaces, industrial facilities, hospitality venues, and mixed-use developments, and many more. Our team evaluates each property type to match you with the most suitable financing options.
Do you provide financing for properties outside the I-95 corridor?
Yes. While most of our experience is concentrated from Maine to Florida, along the I-95 corridor, we frequently facilitate financing for properties nationwide, depending on project specifics.
What is DSCR Financing?
DSCR (Debt-Service-Coverage-Ratio) loans assess a property’s net operating income relative to its debt obligations. The ratio, calculated by dividing the property’s annual Net Operating Income by its annual debt service amount (which includes principal and interest), directly influences the amount and terms of the financing.
- Suitable for income-producing properties
- Terms vary based on DSCR ratios – some government-backed financings require smaller ratios
What CRE financing amounts does I95 Capital offer?
We primarily focus on commercial real estate financing in the $5 million to $50 million range. However, we consider both smaller and larger transactions on a case-by-case basis, with the ability to facilitate deals up to $500 million. Repayment terms vary from 1 to 35 years depending on the capital structure, asset type, and need specifics.
Does i95 Capital offer financing for ground-up construction projects?
Absolutely. We have specialized financing programs for ground-up construction, including construction-to-permanent loans. Our team works closely with developers to structure financing that aligns with the project’s timeline and budget.
Does applying for financing affect my personal credit score?
No. Applying for commercial real estate financing with i95 Capital does not affect your personal credit score. However, lenders might sometimes request a “hard” credit pull. In those cases, they will request your authorization beforehand.
To obtain and monitor your credit score today, i95 Capital recommends MyScoreIQ.
How long does the application process take?
Complete applications are generally reviewed within one business day, and offers are sent to you as soon as they are received from the lenders.
Processing time varies based on the financing type. For example, bridge financing is typically faster than conventional loans which take 4 to 6 weeks.
Government-backed DUS Agencies financing typically take longer, up to 60 days for Fannie Mae and Freddy Mac, up to 6 months for HUD.
Contact us for specific information about your specific loan.
Company
Who is i95 Capital
i95 Capital is an awesome commercial real estate financing brokerage platform. We identify, customize, and secure the very best financing solutions for our clients. We are easy to work with, we are available, we are flexible, and we are pleasant.
We are serious about what we do. If you work with us, you will be glad you did. If you don’t work with us, well, you won’t know how happy you could have been – and we will be sad, but we’ll still wish you success with your business.
Why work with i95 Capital?
We are experts at what we do, work hard at it, do it well, and get results.
Most direct lenders offer limited selections of financing products that don’t adapt to your needs. Most banks require weeks to process an application, and still might say no. Most private lenders charge fees that might not work for you.
At i95 Capital, we leverage vetted, best-in-class lenders to provide the best financing solutions for your real commercial estate investments. Our capital recommendations are based on your needs. Our straightforward fee structure is designed to make transactions profitable for you.
i95 Capital is your partner in real estate financing. Find out more about us.
How does i95 Capital select its lending partners?
We collaborate with a diverse network of reputable lenders, including banks, credit unions, family office, private equity firms, private lenders, and institutional investors. Each partner is vetted to ensure they meet our standards for reliability, competitiveness, and service quality.
Does i95 Capital fund deals directly?
No. We act as a commercial real estate capital advisory and placement platform, matching our clients with trusted lending partners and capital sources adapted to their needs.
How secure is my information?
All information that you share with i95 Capital is secured using bank-grade encryption protocols.
Do you sell my information?
No. The way we see it, your information is yours, not ours. We use your information to process the transactions with which you entrust us. We don’t sell it, never have, and never will. Your information is safe with i95 Capital. See our Privacy Policy for more details.
Does applying for financing affect my personal credit score?
No. Applying for business financing with i95 Capital does not affect your personal credit score. In some cases, lenders might request a “hard” credit pull, but it will be before transferring the funds to you and after you have reviewed and accepted their offer. To obtain and monitor your credit score today, i95 Capital recommends MyScoreIQ.
I would like to offer your CRE financings to my customers. How do I apply?
Whether you already work with real estate investors, or you want to start this on your own, team up with i95 Capital to offer best-in-class real estate financing solutions. Apply through our CRE Financing Agent program.
I want to know my FICO or 3-Bureau Credit Report
Easy. Simply visit MyScoreIQ and you will get it in minutes.
Are you hiring?
We appreciate your interest in joining i95 Capital. We have openings for remote business development managers. Visit our careers page.
Warning
If you previously received financing for commercial real estate investments from a different financing platform, we recommend you brace yourself for a shockingly different experience when working with i95 Capital.
Working with us might be simpler than expected, save you money, and even be fun. It might even compel you to return for more funding as you grow your business.
