Mid-to-Large Balance Loan Program

When it comes to purchasing or refinancing your own building or an eligible income producing property our mid-to-large balance loan program is considered one of the most desirable ways to achieve your goal of obtaining the combination of leverage with incredibly competitive rates.

Our to-large balance loan program is designed to help businesses owners and investors refinance debt, purchase or improve an existing commercial building, complete a 1031 exchange, perform leveraged partner buy-outs and numerous other purposes.

Advantages of our Mid-to-Large Balance Loan Program:

  • Non-recourse financing with standard industry carve-outs
  • NO BANKING RELATIONSHIP REQUIRED. Borrowers are free to keep their operating accounts where ever they desire.
  • Balloon or fully amortizing loans programs up to 30 years.
  • Closing costs such as appraisal fee, environmental fees, contingency fees can be included in the financing so long as LTV limits are not exceeded.
  • Nationwide loan program
  • Flexible prepayment penalty options from a declining 5-4-3-2-1, yield maintenance and/or defeasance prepayment penalty
  • Origination fee up to to 1.00%

Structuring Of our Mid-to-Large Balance Loan

The Mid-to-Large Balance Loan Program has two participants (see chart below):

  • Loan Amounts from $ 2,000,000 up to $ 50,000,000
  • A 1st Mortgage loan for up to 80% of the property value Arrow Mortgage, LLC offers one the widest variety of first mortgage programs in the industry. We offer a 3yr fixed rate, 5yr fixed rate, 7yr fixed rate, 10yr fixed rate. These loans are amortized up to 30 years. We also offer a 15yr-30yr fully amortizing fixed rates.
  • A Borrower/Investor is required to contribute a down payment of at least 20% of the total project cost or retain 20% equity in the property for refinances.

To Meet the Minimum Qualification For a Loan The Business/Entity Must:

  • Be organized as a for-profit business. Unfortunately, the loan program is not designed for non-profit businesses
  • Be organized as a sole proprietorship, corporation, partnership or limited-liability corporation (LLC)
  • Possess a minimum historical cash flow of at least 1.25X for Single Tenant Properties, 1.35X for Owner-User Properties and 1.15X for Credit Tenant Income Properties
  • Maximum LTV of at 75% for Single Tenanted Properties, maximum of 80% LTV for Owner-User properties and in rare cases up to a maximum of 85% LTV for credit Tenant Income Properties.
  • We will consider the top 200 markets nationwide and suburban/suburban area with a population of at least 100,000 within 5 miles of subject property.

Other Eligibility Requirements

  • Ineligible properties are: Gas Stations, Car Washes, Auto Dealerships, Night Clubs, Fitness Centers, Athletic Clubs, Churches and any environmentally sensitive properties.

Interested in applying?

Please complete the enclosed form and a Representative from Arrow Mortgage, LLC will promptly contact you.

Mid-to-Large Balance Program Guidelines

Free Initial Assessment

Contact us today to obtain a free initial assessment of your current financial situation

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Contact Arrow Mortgage, LLC Today!