Program workspace

“We’ve craft our consultation carefully and simply. Combined with the ingredients makes for powerfull insight. Let’s Connect KDM Financial provided me with a loan tailored exactly to my situation… something I had failed to find anywhere else. I appreciated the transparency I received from the KDM Financial team throughout the lending process, as well as the speed of the transaction.”

“KDM Financial follows the Principles for Responsible Investment (PRI) and is committed to considering environmental, social and governance (ESG) issues in its investment process where appropriate.”

“Property Types Multifamily”

“Get started Back to the top About Find a Location Careers Contact Us Become a Member Resources Digital Banking Documents Center Routing Number: 244077556 KEMBA NMLS ID: 292230 Phone: 614.235.2395 Quick Links Personal Checking Loans Savings & Deposits Business Banking Legal Privacy Policy Promotion Rules Facebook YouTube Instagram LinkedIn © KEMBA Financial Credit Union. Sitemap Privacy Policy”

“Commercial Real Estate Loans”

“To learn more about Business Banking & Commercial Loans, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started. Click to Review Our Privacy Policy”

“P: 800.282.6420 E: BusinessServices@kemba.org At KEMBA Financial Credit Union, we provide trusted personal banking services in Central Ohio, as well as a full suite of personal banking products and services tailored to meet the financial needs of individuals and families. Our offerings include: low-rate credit cards with rewards, competitive-rate mortgages , home equity loans and refinancing options, low-interest auto loans in Central Ohio, personal and student loans , and financial wellness blogs and counseling services . Discover why more Central Ohioans are searching for "best credit union near me" and choosing KEMBA. To learn more, call us today at 614.235.2395, option 4, or visit one of our local branches in Pickerington , Gahanna , Bellefontaine , Clintonville , Grove City , Hamilton Quarter, Hilliard , Lewis Center , Powell , Reynoldsburg , Westerville or Whitehall . Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank. Disclosures Show Less Business Resources”

“As your business matures, you may decide the time has come to take control of your future and plan for expansion. Commercial property – whether retail, office, warehouse, or industrial – can be financed with a business real estate loan. Owning your space of operation can help you save money in the long term and give you more control of your daily operation.”

“Start your process of buying commercial real estate by building a team of professionals who have experience with past transactions. Your commercial real estate broker will schedule property tours, facilitate negotiations, and draft offers. Talk to your commercial lender early on to determine your budget, prove financial wherewithal to sellers, and ultimately fund the loan. You may also need an accountant for tax and financial advice and an attorney for contract review and closing.”

“Why use a business real estate loan? A business real estate loan is used to leverage your cash because you'll be putting down 10% to 25% and using outside funds for the remaining balance. If the property increases in value – both through your improvements and general price increases in the area – you, the property owner, benefit from 100% of the gain versus the smaller percent of your down payment. Like the business itself, real estate is one of those rare asset classes that you can increase in value through your own efforts. Which types of business real estate loans does Kalsee Credit Union offer? Kalsee Credit Union would like to speak to you about projects of all sizes, for the biggest and smallest businesses in the community. SBA funding is available. Buildings may be owner-occupied or investor-owned. Business equipment loans and lines of credit are also available from Kalsee Credit Union. Check out the innovative Kalsee KEEP program for employee financial education and retention. All 3 Financial Wellness Blog”

“The commercial loan acquisition process should flow according to a business plan. You should involve your local lending and real estate brokerage professionals at an early stage in this planning. Your plans may change to fit your budget, whether you select a different type of property or decide to move to a different area than originally intended. Next, you'll want to get your business finances in order: file the taxes, update the financials, and pay off debts or old delinquencies. The business will need to raise sufficient funds through profits for the down payment. Don't forget your personal finances. These loans to smaller businesses generally require a personal guarantee of the owner. Much like the business, get up-to-date on your personal taxes and remove any dings on your credit to raise your overall score”

“Purchasing commercial real estate”

“The commercial lender looks for stability, professional management, and a clear source of funds for the down payment in the business they will be lending to. After all this, a debt service coverage ratio is calculated that must fall within the lender's guidelines. If additional collateral is pledged, such as equipment, the lender will want to understand its value and marketability.If the owner is giving a personal guarantee, then their finances must be examined. This includes tax returns, bank statements, assets besides the business, and proof of income. Finally, an appraisal will be ordered on the property. This is where it becomes crucial to work with a local lender. A local lender will be best positioned to understand the business, the suitability of the property, and the potential of the location. Request an Appointment "That [Kalsee] crew offered an amazing solution to help us fund this [Dome expansion] and make it all possible. And the blood, sweat, and tears that went into that with us, the gritty determination that you put in to get it through was amazing." NEXT LEVEL SPORTS CENTER Business member since 2023”

“As your net operating income rises and your business matures, you'll find that your business can qualify for a lower rate and better terms. Ask for refinancing a higher amount, taking cash out, lowering the interest rate, extending the payment period, or removing the owner's personal guarantee or pledge of other collateral. Be sure to tell the lender about improvements you have made to the property that would increase its value. Request an Appointment (269) 382-7833 Employee Empowerment Program”

“Whereas the government standardizes and creates a market for residential home loans, the market for business real estate loans is more freewheeling, with different types of loan products to choose from. Many factors play into determining the right loan for your business situation: the type of property, condition of the property, intended occupancy of the property, whether short or long-term financing is needed, and much else.”

“USDA rural development loans are loans for small businesses located in rural communities that are guaranteed by the U.S. Department of Agriculture. This program is a great source of affordable, long-term financing for business owners in rural communities across America. While there is no minimum loan amount, in general, USDA rural development commercial loans do not exceed $10 million. These loans can be used for: Business conversion Purchasing equipment Purchasing commercial real estate Working capital Debt refinancing Integrated agriculture production #B3272D”

“The best time to write a business plan is anytime you need clarity—whether you're ex... *1.00% (100bps) of amount financed up to $500,000 credited at closing, not to exceed closing costs. Commercial real estate loans currently held at another financial institution refinancing with Kalsee are eligible. Current Kalsee loans not eligible. No waiver of prepayment penalties. Primary business checking required. Kalsee Credit Union offers personal and business banking, rewards checking, loans, mortgages, and investment services in Kalamazoo, Portage, Battle Creek and throughout Southwest Michigan. Join a local credit union that puts you first. 269-382-7800 Routing #272481855 Get in Touch Contact Us Locations & ATMs Become a Member Resources Blog Reorder Checks Fee Schedule Legal Privacy Policy and Disclosures Accessibility Feedback Sitemap Social Facebook Instagram YouTube LinkedIn TikTok Vimeo Back to the top © Kalsee Credit Union. Insured by NCUA Equal Housing Opportunity Get CoBrowsing code”

“Being treated like just a number at your big bank? We’ll take the closing cost pain out of refinancing your business real estate loans from another financial institution. We’ll invest in you. Whether your company is big or small, purchasing, constructing, or refinancing business real estate requires an influx of cash. For business owners who don't have the readily available resources needed to expand their company, business real estate loans can provide the funds needed to facilitate growth. At Kalsee Credit Union, we understand that your business is so much more than a means to the bottom line. That is why our team of experts put in the extra effort to get to know your business's unique needs and craft the loan that is right for you. Request Appointment Equipment & Lines of Credit Credit Cards Checking Money Markets”

“Kayne Anderson Real Estate’s lending focuses on alternative sectors — student housing, multifamily housing, seniors housing, medical office, self storage, and industrial sectors.”

“Completion and carry guaranty required for construction loans”

“Construction, value add, bridge, stabilized, and term loans”

“Please reach out to realestatelending@kayneanderson.com to inquire about financing.”

“Lee Levy Senior Managing Director, Head of Real Estate Debt 561-300-6166 llevy@kayneanderson.com Jake Kramer Senior Managing Director, Debt 908-377-4429 jkramer@kayneanderson.com Alternative Investing. Middle Market Focused. Results Driven. Our Strategies Real Estate Credit Energy Infrastructure Energy Private Equity Sustainability Foundation About Us Our People Investments Careers News Contact ADV Part Ⅱ Cookie Policy Privacy Notice Investor Portal Proxy Policy Terms Of Use Form CRS Machine-Readable Files (MRF Portal) © 2026 Kayne Anderson. All rights reserved.”

“Senior Mortgage: $50 million – $500+ million Mezzanine/Preferred Equity: $20 million – $200+ million”

“Construction, value add, bridge, stabilized, and term loans”