Commercial Real Estate Financing, Simplified.
Beverly Hills commercial mortgage brokerage and capital advisory arranging senior debt, bridge loans, construction facilities, DSCR loans, and permanent financing nationwide.
Core Commercial Loan Programs
Permanent Commercial Financing
5, 7, 10, and 30-year fixed-rate structures for stabilized multifamily, industrial, and retail assets.
Underwriting Criteria →Bridge & Value-Add Loans
Short-term interest-only facilities for property repositioning, capital improvements, and 1031 exchanges.
Underwriting Criteria →DSCR 1-4 Rental Portfolios
Underwritten purely on property gross rental cash flow without personal tax returns or global DTI.
Underwriting Criteria →Frequently Answered Financing Questions
Verified answers to common borrower and broker inquiries regarding loan sizing, guidelines, and execution.
What is BancorpOne and is it a direct lender or mortgage broker?
BancorpOne is a commercial mortgage brokerage helping real estate investors, developers, and business owners finance commercial real estate. We act as capital advisors arranging commercial debt rather than a direct depository bank.
We evaluate property fundamentals, borrower requirements, and transaction dynamics to structure and place senior debt, bridge loans, construction facilities, DSCR loans, and permanent mortgages through institutional capital sources and balance-sheet lenders.
Get Financing Scenario Sized →What commercial property types does BancorpOne finance?
BancorpOne arranges financing across multifamily (5+ units), industrial & logistics warehouses, retail centers, office & medical outpatient facilities, mixed-use developments, hospitality properties, and other commercial real estate.
Each asset class involves tailored underwriting metrics: multifamily focuses on net operating income (NOI) and rent rolls, industrial on logistics access and tenant credit, retail on lease terms and co-tenancy, and hospitality on historical ADR and RevPAR.
Explore Core Property Types →What types of commercial real estate financing can BancorpOne arrange?
We arrange commercial acquisition financing, refinance and cash-out debt, bridge-to-permanent loans, ground-up construction facilities, DSCR rental mortgages, and long-term permanent mortgages.
Structures accommodate stabilized assets seeking fixed-rate long-term capital as well as transitional or value-add properties requiring short-term interest-only bridge capital with future funding reserves.
Submit Financing Request →How does the commercial financing process work at BancorpOne?
Borrowers begin by submitting key deal parameters (property type, loan purpose, estimated amount, and location) for immediate deal desk review. We then structure indicative terms and coordinate lender underwriting.
Our workflow includes: (1) Initial Scenario Intake & Sizing, (2) Term Calibration & Lender Selection, (3) Underwriting, Appraisal & Due Diligence, and (4) Escrow Closing & Loan Funding.
Start Sizing with Deal Desk →How much down payment or equity is usually needed for a commercial real estate property?
Commercial real estate equity and down payment requirements depend on property cash flow, asset type, and lender guidelines. Stabilized properties with strong cash flow generally require lower equity contributions than transitional or specialized assets.
Debt sizing is primarily driven by Debt-Service Coverage Ratio (DSCR), debt yield, and loan-to-value or loan-to-cost parameters set by individual capital sources. Exact equity requirements vary by lender and transaction.
Calculate Loan Sizing →What documents are commonly needed for a commercial real estate loan?
Initial commercial loan review commonly requires a current rent roll, trailing 12-month operating statement (T12), personal financial statement (PFS) of the sponsors, a schedule of real estate owned (SREO), and a brief business plan.
For acquisition transactions, the purchase agreement is also needed. Value-add or construction projects require detailed capital expenditure budgets, contractor bids, and architectural plans. Document requirements vary based on loan complexity.
View Document Checklist →Can commercial real estate properties be refinanced for cash-out or rate relief?
Yes. Commercial properties can be refinanced to secure better interest rate terms, replace a maturing bridge loan, fund capital improvements, or extract equity for new investments.
Cash-out amounts depend on current appraised value, debt yield, and sustainable debt-service coverage. Lenders evaluate historical operating history and lease rollover schedules when underwriting refinance proceeds.
Discuss a Refinance Scenario →What is DSCR financing in commercial real estate?
Debt-Service Coverage Ratio (DSCR) financing evaluates a property based on its rental cash flow relative to annual debt obligations, rather than the borrower’s personal W-2 income or tax returns.
DSCR measures the ratio of net operating income to annual mortgage principal and interest payments. Lenders require cash flow to comfortably exceed debt service, with coverage benchmarks varying based on property type, market tier, and financing program.
Size a DSCR Loan →Can borrowers take title in a business entity like an LLC or Corporation?
Yes. All commercial loans arranged by BancorpOne are business-purpose transactions made to legal entities, including LLCs, Limited Partnerships (LPs), Corporations, and Trusts.
Entity vesting provides liability separation and structured ownership for commercial real estate operators. Consumer or personal residential mortgages are not arranged.
Talk with an Advisor →What is the difference between a commercial bridge loan and permanent financing?
A bridge loan is short-term transitional financing used for acquisitions, repositioning, or property stabilization. Permanent financing is longer-term fixed or floating debt placed on fully stabilized income-producing properties.
Borrowers often utilize bridge facilities to execute capital improvements, lease-up, or time-sensitive acquisitions, and subsequently refinance into a permanent commercial mortgage once operations stabilize. Terms and structures vary by capital provider.
Compare Bridge vs Permanent →