Senvesco Real Estate Financial Services

Lending Philosophy

Need a Fast Loan? (Funding possible in 2 weeks or less)

Need a Bridge or Creative Loan?

Senvesco Capital Funding provides borrowers two very critical services:

Fast Loan
Fast Loan

Our entire lending operation is structured to make decisions quickly and fund much faster than other commercial lenders. If you need to fund quickly to save your deal, or your lender has failed to close your loan, we can help.
Senvesco Capital Funding comes to the rescue by routinely funding in 2 weeks or less. If the situation demands it, we can review your property information, make decisions, prepare loan documents and fund the loan in less time than it takes many lenders to respond to your request. Funding can actually take place in as little as 48 hours in an emergency.

Bridge or Creative Loans Bridge or Creative Loans

We are able to fund many deals that other lenders will not. We are proud of our record of providing bridge and creative loans to help borrowers acquire or improve properties with special challenges.

We try hard to find creative ways to help borrowers’ complete tough deals. If we like the property and your development plan, we will work with you to create a loan specific to your needs.

Our loans are tailored to the needs of the borrower. We offer extremely fast funding of loans from $500,000 to $25,000,000 on properties nationwide (minimum $1,000,000 outside California). Terms and repayment structure are flexible and negotiable. We can structure your loan to meet your needs with no pre-payment penalty.

Senvesco Capital Funding makes commercial loans for the following purposesSenvesco Capital Funding makes commercial loans for the following purposes

Property Purchase, Remodeling, Bridge Financing, Property Improvement/Refurbishing, Construction, Short Term Development, Partner or Lease Buyout, Quick Closing Transactions and More.

Rapid Response	Verbal rate and loan quotes provided in 2 working days or less, based on information you provide.
Commitment	Our reputation is based upon keeping our commitment WE DO WHAT WE SAY WE WILL DO, EVERY TIME.
Immediate Follow-Up	Loan Committee decision within one day of complete loan package.
Documentation	No non-essential documentation.
Quick Closing	Deals can close within a few days of Loan Committee approval. We routinely fund loans in two weeks or less.
Customized Terms	We try and make deals work for all parties. We offer interest only or amortized loans; the ability to finance loan fees and interest carry; cash out to borrower; partial collateral releases; and typically no prepayment penalty.
Low 3rd Party Costs	We accept existing current environmental, seismic and appraisal reports.
No Bureaucracy	Borrowers and their representatives deal directly with the source of funds. No hidden Loan Committee delays. No surprises.
Professionals	We have been making commercial loans since 1985. We will analyze your situation and give you YES or NO quickly.

Loan Profiles Loan Profiles

Property Types	Office, industrial, retail, apartments, mobile home parks, R&D, mini-storage, condo conversion, and on a case by case basis; land, entertainment complexes, hotels and motels, and other specialty properties.
Geography	USA Nationwide, but prefer Western States
Loan Size	$500,000 minimum to $25,000,000 ($1,000,000 minimum outside California.)
Security	First and/or second mortgages
Funding Time	Two weeks or less. As fast as 48 hours under emergency circumstances with proper documentation.
Borrower Profile	Prefer entrepreneurial, hands-on leasing and management, proven experience, local market presence, credit-worthiness.
Leverage/Equity	Loans to 75% LTV (Higher LTV considered on purchase transactions and special circumstances.)
Loan to Cost	Up to 75%, possibly higher for special circumstances.
Pay Rate	Positive debt service coverage preferred.
Loan fees	3 to 5 points depending upon type of deal and term.
Rate	Short term fixed or adjustable rates (currently 9% to 12%).
Term	One to ten years. (Construction loans typically 1 to 2 years)
Amortization	Interest only.
Recourse	Depends on deal specifics.
Prepayment	Typically no prepayment penalty.