Office Building Loans

Flexible Capital for Urban & Suburban Office Properties

We provide office building financing solutions for owners, developers, and investors across a broad range of office property types. Our platform supports Class A and Class B office buildings in both urban and suburban markets, including low-rise, mid-rise, and high-rise assets.

We finance single-tenant, multi-tenant, and owner-occupied (owner-user) office buildings, offering tailored capital structures for acquisition, construction, refinancing, and transitional strategies.

Office Property Types We Finance

  • Class A office buildings
  • Class B office buildings
  • Urban and suburban office assets
  • Low-rise, mid-rise, and high-rise buildings
  • Single-tenant office properties
  • Multi-tenant office buildings
  • Owner-occupied (owner-user) office properties

Each transaction is evaluated based on location, tenancy, building quality, and market dynamics.

Office Loan Structures Available

  • Construction loans
  • Acquisition financing
  • Refinancing and recapitalization
  • Bridge loans
  • Mini-perm loans
  • Permanent (take-out) financing

We also structure layered capital solutions when appropriate.

Prepayment Structures Offered

Office building loans may be structured with a variety of prepayment options, including:

  • Yield maintenance
  • Defeasance
  • Step-down prepayment penalties
  • No prepayment penalty options (select structures)

The prepayment structure aligns with the borrower’s exit strategy and hold period.

Core Underwriting Fundamentals

Our evaluation of office building loan requests is grounded in institutional underwriting principles, including:

Loan-to-Value (LTV)

  • Construction loans: 70%–85%
  • Acquisition loans: up to 95%, subject to asset quality and tenancy

Debt Service Coverage Ratio (DSCR)

  • Typically 1.25x or higher
  • Adjusted based on:
    • Property condition and age
    • Tenant mix and lease terms
    • Market comparables

Leasing Structure

  • Preference for triple-net (NNN) leases
  • Tenants responsible for taxes, insurance, and maintenance
  • Lower effective rents can support higher occupancy and stronger cash flow stability

Loan Terms & Amortization

Loan Terms

  • Construction loans: up to 18 months
  • Bridge loans: 12–36 months
  • Mini-perm loans: up to 3 years
  • Permanent loans: 5 to 30 years

Amortization

  • Construction, acquisition, refinance, and bridge loans: Interest-only
  • Permanent (take-out) loans: Up to 30-year amortization

Short-term loans are typically refinanced once occupancy stabilizes between 90%–95% or higher.

Indicative Loan Parameters

  • Loan Size: $1,000,000 to $50,000,000
  • Loan Type:
    • 1st position
    • 2nd position
    • Mezzanine
  • Collateral: Income-producing office real estate
  • Loan-to-Value: Up to 75% (structure dependent)
  • Interest Rates: Starting at approximately 7.50%
  • Amortization: Interest-only on short-term structures

Our Office Building Financing

  • Private and institutional capital access
  • Flexible structures for evolving office markets
  • Experience across Class A and Class B assets
  • Transitional and stabilized execution
  • Nationwide lending capabilities
  • Sponsor-focused underwriting

Acquiring, repositioning, or refinancing an office property, we deliver office building loan solutions.

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