Updated value
Current appraised value and market evidence drive lender loan-to-value calculations.
Solutions
Commercial refinancing for better structure, liquidity and maturity control.
Refinance existing commercial debt, access equity, consolidate obligations or replace short-term capital with a cleaner long-term facility.
Refinance strategy
Use the refinance event to improve the whole capital stack.
A commercial refinance can solve more than an upcoming maturity. It can release equity, reset amortization, improve covenants, consolidate debt or support a new acquisition.
Lenders review current value, net operating income, lease stability, existing mortgage terms, borrower financials and the use of proceeds. If the property has changed since the original loan, the refinance should show that improvement clearly.
Key review points
What affects refinance proceeds.
Cash flow
Net operating income and debt service coverage often limit proceeds before value does.
Use of funds
Lenders want to understand whether funds are for growth, consolidation, reserves or stabilization.