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Hotel and Motel Ground Up Bridge Independent, Limited-Service, Full-Service, and Extended-Stay facilities - Fannie Mae & Freddie Mac Multifamily Mortgage Loans - Fixed and Floating Rate Hybrid - Bad Credit Structured ARM 7-4 7-6 Apartment Cooperative - CMBS Non Recourse Permanent Financing - Student Housing Seniors & Rural Development Guaranteed Rural Rental Community Loans - Affordable Housing - Bulk Delivery - Credit Enhancement Facility - USDA FHA Risk Sharing - Choice Refinancing - Construction Bridge Hard Money Fix Flip Supplemental Reduced Occupancy Affordable Rehab - Healthy Housing Rewards - HUD DUS Cash-Out Refinancing - Near-Stabilization Execution.
center> FHA HUD Loans - Purchasing Building Renovating Refinancing - Bad Credit Multifamily and Healthcare Insured Properties - HUD 221(d)(4), 223(F)(a)(7), HUD 241(a), 232/223(f) - Apartment Real Estate Construction Fix Flip Rehab Finance - Subsidized Rental Assistance Section 8 Developments - Affordable Low Income Housing - Residential Care Facilities 
FHA HUD loans for building, acquiring, or refinancing multifamily properties HUD 221(d)(4) Loans for New Construction and Substantial Rehabilitation. HUD 223(f) Loans for the Acquisition and Refinancing of Multifamily Properties. HUD 223(a)(7), HUD 241(a) Supplemental, HUD 232, HUD 232/223(f), HUD LEAN Loan Processing for HUD 232 and HUD 232/223(f) Financing for developers and real estate investors.
center> CRE: Phases We Finance
Soft costs / pre-development
Construction (ground-up / heavy rehab)
Bridge to stabilization (lease-up)
Permanent takeout (long-term debt)
Equity / preferred equity / JV when needed
Common stack options
Senior debt
C‑PACE (where applicable)
Preferred equity
Mezz + equity
Other Capital Paths
Business acquisitions
Up to $50M*
Acquisition financing, partner buyouts, recapitalizations, roll-ups, and growth acquisitions.

Learn more
Apply
Short-term bridge / working capital
Up to $50M*
Short-term bridge funding used as working capital to cover gaps, execute opportunities, and maintain momentum.

Learn more
Apply
Term loans
SBA loans (7(a) & 504)
Line of credit.
Get Started COMMERCIAL REAL ESTATE FINANCING
Built for developers & operators
Call: 725‑257‑5354
Email the team
Book a call
CRE financing up to $1B+.
Debt + equity options across the full project lifecycle—from soft costs → construction → bridge/stabilization → permanent takeout. We structure the stack, package the story, and place capital through a national network.

Multifamily
Hotels
Community development
Assisted living
Data centers
Portfolio refinance
$1B+ in CRE deals since 2020
Execution-focused placement for serious sponsors (not a direct lender).
Up to $1B+ on a single project
Available debt and equity options (deal‑ and structure‑dependent).
Minimum CRE request: $5M
Common developer executions:
$20M–$150M+
.
Shovel‑ready can move fast (up to $100M)
In select cases, closings can happen in as little as ~2 weeks with a complete file.
Headquarters: Las Vegas, NV • Nationwide placement network • We broker capital (not a direct lender).

Modern commercial building
Developer quick‑fit
If these describe your file, you’re in the right place. If not, apply anyway—we’ll route you to the right capital path.

Project
Development, major rehab, or portfolio refinance execution.
Readiness
Budget, plans, sources & uses, and sponsor equity are clear.
Scale
$5M+ request (common: $20M–$150M+).
Speed
Fast‑track is possible up to $100M when shovel‑ready.
725‑257‑5354
info@stratasfinancial.com
Tip: if you’re shovel‑ready, mention it in the request—speed depends on a complete file.

Development planning and project execution
FULL LIFECYCLE
Soft costs → construction → bridge → permanent takeout.
We can structure debt + equity across every phase—without rebuilding the story at each milestone. One clean package → faster underwriting → fewer surprises.

Soft costs
Entitlement, design, early diligence runway.
Construction
Ground‑up and major rehab / heavy value‑add.
Bridge / stabilization
Lease‑up, seasoning, NOI improvement.
Permanent takeout
Long‑term terms for the hold (rate/term or cash‑out).
Want us to confirm fit? Apply, call, or book a call—fast.
Buying a business?
Acquisition financing up to
$50M
(deal‑dependent).
Acquisition apply →
Need working capital?
Business funding up to
$50M
(deal‑dependent).
Business funding apply →
PRIMARY CRE USE CASES
Built for developers. Built for operators.
Our #1 customer is the developer/operator who needs a capital partner that can structure the stack, package the file, and place capital efficiently—without wasting cycles on mismatched sources. These are common executions we support (and we do more).

Multifamily development
Multifamily development
Ground‑up and value‑add executions—structured across phases so you can keep momentum.

$20M–$150M+
common deals
60–80% LTC
construction
Bridge → Perm
takeout path
Soft costs / pre‑dev
Construction IO
Lease‑up / stabilization
Agency / bank / CMBS
Hotel development
Hotels
New build, reposition, or refinance—structured for brand, market, and ramp‑up risk.

$20M–$150M+
common deals
Construction
or bridge
Takeout
perm options
New build
Renovation / PIP
Bridge → perm
Brand‑aware underwriting
Community development
Community development
Mission‑driven and mixed‑use projects—structured with leverage, timelines, and partner fit in mind.

$15M–$150M+
common deals
Stacked capital
often needed
Execution focus
realistic terms
Construction
Bridge / stabilization
C‑PACE (where applicable)
Preferred equity / JV
Assisted living community development
Assisted living & senior housing
Specialized stacks built around operations, timelines, and underwriting realities.

$25M–$150M+
common deals
Debt + equity
hybrid stacks
Long terms
perm options
Construction + lease‑up
Preferred equity
Non‑recourse perm
HUD / agency (select)
Data center development
Data centers & critical infrastructure
Structured capital for technical projects—aligned to diligence and partner appetite.

$30M–$150M+
common deals
Layered stacks
senior + more
Partner fit
matters most
Construction financing
Bridge / stabilization
Private credit
JV / preferred equity
Portfolio refinance
Portfolio refinance
Refi or recap a portfolio—rate/term, cash‑out, or repositioning capital.

$20M–$150M+
common deals
Recourse
or non‑recourse
Bank / CMBS
agency (select)
Rate / term
Cash‑out
DSCR focus
Portfolio story
Have a deal in one of these categories?
Get a quick fit check, then we’ll tell you exactly what we need to move quickly.

CAPITAL STACKS • TERMS • LEVERAGE
Finance every phase—without rebuilding the story each time.
We build the deal package so it’s underwriteable: clean story, clean numbers, clean documents. Then we match the capital partner(s) to your phase, collateral, market, and risk profile. Below are general frameworks (not quotes).

Construction / development
FULL LIFECYCLE
DEBT + EQUITY
DEAL‑DRIVEN
Typical CRE phase options
These ranges are provided for context and expectation-setting only. Final terms depend on asset type, market, sponsor strength, project readiness, diligence, and capital partner approval.

Soft costs / pre‑development
Typical term: 6–24 months
Typical leverage: LTC ~50%–75%
Common structure: interest‑only
Typical rate context: SOFR + ~6% to ~10%
Construction financing
Typical term: 12–36 months (extensions sometimes available)
Typical leverage: LTC ~60%–80%
Common structure: interest‑only during construction
Recourse: often full or partial depending on risk + leverage
Bridge to stabilization
Use case: lease‑up, seasoning, NOI improvement
Structure: bridge / transitional debt
Goal: hit DSCR + occupancy for takeout
Permanent takeout
Typical leverage: LTV ~55%–80%
Select SBA structures: up to ~90% LTV (eligibility dependent)
Terms: 5–40 years (program dependent)
Programs: bank/credit union, agency, CMBS, life co, SBA 504, and more
Non‑recourse on stabilized/permanent executions is often possible. Construction is commonly recourse or partially recourse. Standard carve‑outs typically apply (fraud, misrepresentation, misuse of funds, environmental, unauthorized transfers, etc.).

STACK COMBINATIONS
C‑PACE / PREF / MEZZ
JV OPTIONS
When the stack needs more than senior debt
If leverage alone doesn’t solve the structure, we can help explore capital stack combinations such as: first + second (where supportable), senior + C‑PACE (where applicable), senior + preferred equity, or senior + mezz + equity.

Equity raising support
LP equity (passive)
GP equity (operating/sponsor)
Preferred equity (hybrid‑like economics)
JV structures with negotiated control/economics
Investor expectation ranges
Preferred return targets often ~15%–20% (risk‑dependent)
Target IRRs often mid‑teens to mid‑20s+ (risk‑dependent)
Equity multiples often ~1.5× to 2.5×+ (timeline dependent)
Equity timelines vary widely—fast on clean, compelling packages; longer on complex raises. These are general investor-target ranges, not guarantees.

Modern commercial building
EQUITY & JV CAPITAL
Investor capital that actually fits the deal.
When the stack requires equity (or preferred equity), Stratas can help structure and place it—so you close without burning leverage or time. We focus on aligning investor expectations to the deal reality before you go to market.

LP / GP EQUITY
PREFERRED EQUITY
JV STRUCTURES
What equity partners care about
Downside protection
Clear collateral story, realistic underwriting, and plan B scenarios.
Sponsor track record
Experience, PFS strength, and the infrastructure to execute and report.
Clean documents
Budget, sources & uses, timeline, and terms that don’t fight each other.
Aligned economics
Waterfalls, controls, and reporting that match the risk profile.
Preferred equity
Priority position in the stack with contractual economics (terms depend on risk, timeline, collateral, and structure).
LP / passive equity
Capital that fills the gap while the operator stays focused on execution.
JV structures
Negotiated control + economics (target IRRs often mid‑teens to mid‑20s+ depending on risk).
Equity timelines vary by deal and readiness—sometimes as fast as 1–2 months on clean packages, and longer on complex raises. Sponsor co‑invest expectations vary by structure (often ~5%+ as a baseline).
Investors and operators discussing a project
AVAILABLE PROGRAMS
All the capital paths—under one roof.
Most sponsors don’t need “a lender.” They need a stack that fits the asset, the phase, the leverage, and the exit. Below is a quick map of common program lanes we can structure and place (deal‑dependent).

Pre‑development / soft costs
Early‑phase capital to keep momentum before the full stack is live.

Design + entitlement runway
Feasibility + early diligence
Bridge into construction
Construction financing
Ground‑up or heavy rehab structures with draws and realistic covenants.

Interest‑only construction
LTC/LTV structured to budget
Non‑recourse options (select)
Bridge / lease‑up / stabilization
Transitional capital when NOI and occupancy are still ramping.

Bridge to perm takeout
Renovation + reposition
Portfolio recapitalizations
Permanent takeout
Lock in long‑term terms once the asset is stabilized.

Bank / agency (select)
CMBS / life company (select)
Rate/term or cash‑out
Portfolio refinance
Refi or recap multiple assets with a consistent story and structure.

Cross‑collateral options
Non‑recourse where possible
Single close vs. multi close
Mezzanine / preferred equity
Fill gaps and increase leverage without breaking the senior terms.

Senior + pref equity stacks
Senior + mezz + equity stacks
Negotiated controls & waterfalls
LP / JV equity sourcing
Investor capital when the stack needs equity to close.

LP equity (passive)
GP equity (operating)
JV structures (negotiated)
Specialty lanes
When the execution needs an extra tool in the toolkit.

C‑PACE (where applicable)
Hybrid / structured capital
Program fit depends on asset + profile
Not sure which program fits?
Apply once. We’ll structure the right stack and route it to the right capital partners.

HOW WE MOVE FAST
Shovel‑Ready Fast Track: “2‑week close” (up to $100M)
Speed comes from preparation. When entitlements, budgets, and documentation are complete, we can move extremely fast by matching you directly with the right partners and keeping the package clean. Larger deals can still move quickly—timelines depend on diligence and structure.

Developer team planning
FAST‑TRACK
UP TO $100M
COMPLETE FILE
What “shovel‑ready” really means
Fast closes aren’t magic—they’re documentation. If any of these items are missing, timelines expand.

Entitlements
Zoning and entitlements confirmed (permits approved or near issuance).
Budget & plans
Underwriteable plans + budget (GMP preferred) and clear sources & uses.
Sponsor equity
Verified equity and clean ownership structure.
Diligence
Clean title + third‑party reports available or ordered (appraisal, environmental, survey).
Timing note: a ~2‑week close assumes a complete file, fast responsiveness, and no diligence issues. Fast‑track is typically reserved for shovel‑ready projects up to $100M.

FAST SUBMISSION CHECKLIST
To move quickly, upload what you have—then tell us your folder is complete.

Sponsor + entity financials: tax returns, bank statements, PFS, P&L, balance sheet/SREO (as applicable)
Project package: summary, pro forma, requested terms, sources & uses, budget, plans, leases (if applicable)
Approvals + compliance: entitlements, permits, third‑party reports (if available or ordered)
Sponsor profile: bio/resume + track record
Missing items don’t always kill a deal—but they almost always slow it down.

OUR 4‑STEP WORKFLOW
We reduce rework: we build a clean Executive Summary, you approve it, and then we present to the right partners—no “spray and pray.”

Step 1: Submit your CRE request to kick off the file
Step 2: Upload docs to a secure folder (your deal home base)
Step 3: Review and approve the Executive Summary (6–20 pages typical)
Step 4: Partner matching + underwriting flow with transparent follow‑ups
We prioritize complete, responsive, ready‑to‑close files.

We can help with funding on the following project types:

Accounts receivable financing, Acquisition financing, Agri-Business, Apartment Buildings, Asset-Based loans, Bankruptcy reorganizations, Bridge Loans, Business equipment loans and leasing, Churches, Commercial rental property financing, Construction Financing, Condominium and Town home Developments, Congregate Care Facility, Construction, Corporate Expansion, Day Care Centers, Dentists, Development Loans, Doctors, Energy Projects, Equipment Leasing, Ethanol Plants, Expansion Financing, Factory Outlets, Factories, Film Financing, Forestry loans, Full Service Major Flagged Hotels, Golf Courses, Growth Capital, Hard Money, Health care facilities, Heavy Industrial, Hi-Rise Apartments, Hospitals, Import-export financing, Industrial buildings, Industrial Warehouses, Intermediate term loans, International Financing, Inventory loans, Joint Ventures, Land Loans, Leasing Programs, Light Industrial, Litigation Receivables financing, Machinery loans, Manufactured Home Communities, Manufacturing Plants, Marinas, Master Planned Communities, Medical Office, Medical receivables financing, Mezzanine Financing, Mini storage facilities, Mixed Use, Mobile Home Parks, Multi-Family, Nursing Homes, Office Buildings, Office/Warehouse, Parking Structures, Permanent Financing, Precious Metals, Private Equity Capital, Project Financing, Purchase Order Financing, Raw land loans, Real Estate, Real Estate Developers, Real estate development financing, Real Estate loans (Commercial), Real estate loans (Industrial), Real Estate Renovation financing, Recreational Industry financing, Regional Malls, Residential Community Development, Resorts, Restaurants, Retail (both anchored and unanchored), Revolving Term Loans, Rural Area Retail business loans, Sale/Leasebacks, SBA Mortgage Loans, Self Storage Facilities, Senior Housing, Shopping Centers, Small business loans, Small town business loans, Start-ups, Strip Malls, Telecommunications receivables financing, Theme Parks, Trash collection receivables financing, Veterinarians, Warehouse Lines of Credit, and Working capital financing, etc.!
We can help with funding on the following project types:

Accounts receivable financing, Acquisition financing, Agri-Business, Apartment Buildings, Asset-Based loans, Bankruptcy reorganizations, Bridge Loans, Business equipment loans and leasing, Churches, Commercial rental property financing, Construction Financing, Condominium and Town home Developments, Congregate Care Facility, Construction, Corporate Expansion, Day Care Centers, Dentists, Development Loans, Doctors, Energy Projects, Equipment Leasing, Ethanol Plants, Expansion Financing, Factory Outlets, Factories, Film Financing, Forestry loans, Full Service Major Flagged Hotels, Golf Courses, Growth Capital, Hard Money, Health care facilities, Heavy Industrial, Hi-Rise Apartments, Hospitals, Import-export financing, Industrial buildings, Industrial Warehouses, Intermediate term loans, International Financing, Inventory loans, Joint Ventures, Land Loans, Leasing Programs, Light Industrial, Litigation Receivables financing, Machinery loans, Manufactured Home Communities, Manufacturing Plants, Marinas, Master Planned Communities, Medical Office, Medical receivables financing, Mezzanine Financing, Mini storage facilities, Mixed Use, Mobile Home Parks, Multi-Family, Nursing Homes, Office Buildings, Office/Warehouse, Parking Structures, Permanent Financing, Precious Metals, Private Equity Capital, Project Financing, Purchase Order Financing, Raw land loans, Real Estate, Real Estate Developers, Real estate development financing, Real Estate loans (Commercial), Real estate loans (Industrial), Real Estate Renovation financing, Recreational Industry financing, Regional Malls, Residential Community Development, Resorts, Restaurants, Retail (both anchored and unanchored), Revolving Term Loans, Rural Area Retail business loans, Sale/Leasebacks, SBA Mortgage Loans, Self Storage Facilities, Senior Housing, Shopping Centers, Small business loans, Small town business loans, Start-ups, Strip Malls, Telecommunications receivables financing, Theme Parks, Trash collection receivables financing, Veterinarians, Warehouse Lines of Credit, and Working capital financing, etc.

America Funding Lending
America One Funding Lending is located in Chicago, Illinois. This organization primarily operates in the Mortgage Brokers Arranging for Loans, Using Money of Others business / industry within the Nondepository Credit Institutions sector. Better Business Bureau: Since: 7/8/2011, Wardell Brooks, President.
unsecured bad credit personal business startup loans.

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