Program workspace

“Submit a loan request today and our team will be in touch to explore your financing options. Apply For a Loan Schedule a call Get in touch with us ↗ +1 877-850-5130 16150 N Arrowhead Fountains Center Dr., Suite 243, Peoria, AZ 85382 Loan Programs By Product Type SBA 504 Loans Bridge Loans Construction Loans Conventional Term Loans By Property Type Hospitality Industrial Manufacturing Medical Office Mixed-Use Owner-Occupied Multi-Family Restaurant Retail Self-Storage Warehouse By Purpose Acquisition Construction Refinance Who We Work With Borrowers Brokers Investors Indian Hoteliers Eligibility Guidelines Resources Success Stories News & Events Company About Us Team Partnerships Social Impact Avana Capital In The Community © 2026 Avana Capital Terms & Conditions Privacy Policy Disclosures”

“Internal perm refi execution : at stabilization, AVANA’s team executes the perm refi in-house — into AVANA’s own SBA 504 refi (owner-occupied), conventional CRE refi, or referral to agency multifamily / life co for non-AVANA permanent products”

“We value long-term relationships with brokers and intermediaries. Our team collaborates closely with you to structure CRE loans that meet your clients’ goals while honoring your role in the relationship Refer a loan”

“Certainty of execution with a quick yes or no, but never a maybe Fast funding Close quickly to seize time-sensitive opportunities Flexible Terms Short-term options tailored to your timeline Versatile use. Ideal for acquisitions, refinancing, or repositioning Competitive rates. Market-driven pricing with high leverage options.”

“Certainty of execution with a quick yes or no, but never a maybe Versatile use. Ideal for acquisitions, refinancing, or construction Predictable monthly payments with long-term amortization Competitive rates. Market-driven pricing with high leverage options”

“Certainty of execution with a quick yes or no, but never a maybe Fast funding. Close quickly to seize time-sensitive opportunities Flexible terms. Short-term options tailored to your timeline Versatile use. Ideal for acquisitions, refinancing, or construction Conversion ready. Option to transition to permanent or SBA financing on completion”

“Match Your Deal to the Right Capital Apply for a loan Refer a loan”

“Most hard money lenders offer LTV ratios between 60% and 80% , meaning borrowers need to contribute 20% to 40% as a down payment or equity injection. The standard for commercial bridge transactions sits at 70% to 75% LTV . Some lenders also underwrite based on after-repair value (ARV), which can provide higher effective leverage for value-add projects. For example, a lender might offer 70% of ARV on a property where the as-is value represents only 50% of the post-renovation value, effectively financing a larger portion of the acquisition and renovation costs. According to the Mortgage Bankers Association , commercial and multifamily lending activity has shown resilience in 2025-2026 as investors increasingly turn to private credit sources for transitional assets. Higher LTV ratios typically come with higher interest rates, additional points, or stricter underwriting requirements. Borrowers who can bring more equity to the table generally secure better terms.”

“Rely on AVANA Capital to help preserve your wealth and create growth for your business. Contact Us Get in touch with us ↗ +1 877-850-5130 16150 N Arrowhead Fountains Center Dr., Suite 243, Peoria, AZ 85382 Loan Programs By Product Type SBA 504 Loans Bridge Loans Construction Loans Conventional Term Loans By Property Type Hospitality Industrial Manufacturing Medical Office Mixed-Use Owner-Occupied Multi-Family Restaurant Retail Self-Storage Warehouse By Purpose Acquisition Construction Refinance Who We Work With Borrowers Brokers Investors Indian Hoteliers Eligibility Guidelines Resources Success Stories News & Events Company About Us Team Partnerships Social Impact Avana Capital In The Community © 2026 Avana Capital Terms & Conditions Privacy Policy Disclosures”

“Rely on AVANA Capital to help preserve your wealth and create growth for your business. Contact Us Get in touch with us ↗ +1 877-850-5130 16150 N Arrowhead Fountains Center Dr., Suite 243, Peoria, AZ 85382 Loan Programs By Product Type SBA 504 Loans Bridge Loans Construction Loans Conventional Term Loans By Property Type Hospitality Industrial Manufacturing Medical Office Mixed-Use Owner-Occupied Multi-Family Restaurant Retail Self-Storage Warehouse By Purpose Acquisition Construction Refinance Who We Work With Borrowers Brokers Investors Indian Hoteliers Eligibility Guidelines Resources Success Stories News & Events Company About Us Team Partnerships Social Impact Avana Capital In The Community © 2026 Avana Capital Terms & Conditions Privacy Policy Disclosures”

“A side-by-side view of what changes most between programs Details SBA 504 Bridge Construction Conventional Term Best for Owner-occupied CRE Transitional/value-add deals Ground-up/major rehab Stabilized income assets Term 2 parts: Up to 10 years, Up to 25 years Up to 3 Years Up to 3 Years Up to 10 Years LTV Up to 90% total Up to 75% Up to 75% Up to 75% Loan amount Up to $20MM total $5MM – $30MM $5MM – $30MM $1MM – $15MM Rate type Mixed: fixed + lender set SOFR-based floating SOFR-based floating CMT-based resets Loan purpose Acquire / refinance Acquire / refinance / stabilize Build / renovate Acquire / refinance / buyout / upgrade Eligible property Wide asset types, owner-occupied focus Wide asset types Franchised hospitality Wide asset types Common decision drivers Leverage + stability Timeline + flexibility Project phase + budget Cash flow + long hold”

“Hard money loans are short-term instruments, with durations typically ranging from 6 to 36 months . The most common terms are 12 to 24 months for acquisition and renovation projects. Loan duration should align with your business plan. A straightforward bridge acquisition that you plan to refinance within six months requires a different structure than a ground-up construction project with an 18-month build timeline. Experienced borrowers match their loan term to their realistic exit timeline and add a buffer for unexpected delays.”

“Loan Programs Featured Commercial Real Estate Loans”

“Loan Programs Featured Commercial Real Estate Loans”

“Loan Programs Featured Commercial Real Estate Loans”

“Loan Programs Featured Commercial Real Estate Loans”

“Loan Programs Featured Commercial Real Estate Loans”

“Up to 3 Years Interest-only loans with annual extension options”

“Up to 3 Years Interest-only loans with annual extension options”

“Long-term debt at 5.85% fixed for 10 years vs. bridge floating at ~8.75%”

“Hotels stabilize slower than multifamily — typically 18–24 months post-acquisition or post-PIP for RevPAR to reach stabilized levels. Bridge terms typically 24 months minimum on hospitality.”

“Missing SBA 504 refi eligibility on owner-occupied properties. Bridge acquisitions that convert to owner-operator use at stabilization often qualify for SBA 504 refi — substantially better rate + lower equity than conventional perm.”

“Missing operator-experience documentation. Hotel bridge underwriting weights operating experience heavily. Sponsors who don’t document prior hotel closings + currently operating properties get sized at first-time-operator terms (rate premium + lower LTC).”

“Multifamily properties are among the most popular asset classes for hard money for commercial real estate financing. Investors frequently use hard money to acquire underperforming apartment buildings, complete renovations, stabilize occupancy, and then refinance into permanent multifamily financing . A typical scenario involves purchasing a 50-unit apartment complex at 65% occupancy, investing capital into unit renovations and common area upgrades, raising rents to market rates, and achieving 90%+ occupancy before transitioning to a conventional or agency loan. Hard money makes this possible by funding the acquisition and renovation when traditional lenders would decline the deal due to the property’s current condition.”

“Ground-up construction financing represents one of the most common use cases for hard money in commercial real estate. When a developer needs to break ground on a new multifamily building, industrial facility, or hospitality asset, hard money provides the speed and flexibility to secure the land and begin construction before transitioning to permanent financing. Value-add projects, where the investor improves an existing property to increase its income and value, are the bread and butter of hard money lending. These deals require capital that traditional banks are reluctant to provide because the property’s current condition does not meet conventional underwriting standards.”