Commercial Real Estate Debt Structuring & Capital Markets Advisory
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Commercial Real Estate Capital Stack And Debt Structuring Advisory
Financely advises commercial real estate borrowers, developers and sponsors on capital stack planning, senior debt, mezzanine debt, preferred equity and term-sheet comparison. The work helps sponsors understand the economics, risk, control terms and financing tradeoffs before choosing a debt structure.
Mandate fit: suitable for sponsors comparing financing options, planning the capital stack, reviewing lender terms, testing leverage levels or deciding between senior debt, mezzanine debt, preferred equity and sponsor equity.
Need a cleaner view of the capital stack?
Send the loan request, project budget, model, term sheets, valuation support and sponsor assumptions.
What Financely Reviews
Senior, Mezzanine And Preferred Equity Planning
Financely reviews the full funding structure and helps sponsors understand how each layer affects cost of capital, control, repayment priority and closing risk.
- Senior debt sizing
- Mezzanine debt role
- Preferred equity economics
- Sponsor equity contribution
- Funding gap analysis
Loan Structure Review
We review interest rate, amortization, maturity, extension options, reserves, covenants, recourse, cash management and exit assumptions.
- Rate and margin
- Amortization profile
- Maturity and extensions
- Reserve requirements
- Debt service coverage
Side-By-Side Comparison
Financely prepares a term-sheet comparison so sponsors can see the real commercial differences between financing options before making a decision.
- Pricing comparison
- Advance rate comparison
- Covenant comparison
- Control term comparison
- Closing condition review
Debt Structuring Review Matrix
| Review Area | What Financely Analyzes | Why It Matters |
|---|---|---|
| Loan Amount | Requested debt, maximum supportable debt, DSCR, LTV, LTC and debt yield. | Shows whether the financing request is realistic under lender-style constraints. |
| Capital Stack | Senior debt, mezzanine debt, preferred equity, sponsor equity and reserve funding. | Clarifies repayment priority, closing risk and sponsor dilution. |
| Pricing | Interest rate, spread, origination fees, exit fees, minimum return and preferred return. | Shows the true cost of capital across financing options. |
| Cash Flow Impact | Debt service, amortization, reserves, cash sweep, lockbox terms and cash management. | Shows how the proposed structure affects operating liquidity. |
| Control Terms | Consent rights, cure rights, default triggers, transfer restrictions and reporting duties. | Helps sponsors understand lender or investor control over the asset. |
| Exit Risk | Maturity, extension options, takeout assumptions, sale assumptions and refinancing risk. | Tests whether the capital stack has a credible exit path. |
| Closing Conditions | Appraisal, third-party reports, legal conditions, due diligence, KYC and funding conditions. | Identifies execution risk before the sponsor commits to a structure. |
Best-Fit Advisory Situations
Process
Transaction Intake
The sponsor provides the project summary, financing objective, financial model, project budget, valuation support, existing debt and available term sheets.
Capital Stack Review
Financely reviews the proposed capital stack and tests whether senior debt, mezzanine debt, preferred equity or additional sponsor equity is the better fit.
Term-Sheet Comparison
We compare pricing, leverage, covenants, reserves, maturity, recourse, closing conditions and control terms across available options.
Structuring Memo
Financely prepares a concise memo outlining the commercial tradeoffs, risk points and preferred structure based on the sponsor’s objective.
Sponsor Review
The sponsor reviews the structuring analysis and decides which financing route is commercially acceptable.
Optional Package Update
The loan package, model or offering memorandum can be updated to reflect the selected capital structure under a separate scope.
Scope note: this page covers capital stack advisory, debt structuring consulting and term-sheet comparison. It does not cover loan solicitation, lender negotiation, brokerage, placement or success-fee transaction execution.
Information Needed From The Sponsor
Project And Financing Inputs
- Project summary
- Loan request
- Sources and uses
- Project budget
- Financial model
- Valuation support
Debt And Equity Inputs
- Available term sheets
- Existing debt terms
- Sponsor equity contribution
- Target leverage
- Preferred financing structure
- Exit or refinancing assumptions
Frequently Asked Questions
What does CRE debt structuring advisory include?
It can include capital stack planning, loan sizing review, senior debt analysis, mezzanine debt review, preferred equity analysis and term-sheet comparison.
Can you compare multiple term sheets?
Yes. Financely can compare term sheets across pricing, leverage, maturity, amortization, reserves, covenants, recourse, control rights and closing conditions.
Do you advise on mezzanine debt and preferred equity?
Yes. Financely can review mezzanine debt and preferred equity terms, including cost of capital, control rights, repayment priority, intercreditor issues and sponsor dilution.
Do you negotiate the loan?
This service covers advisory and consulting only. It does not include loan solicitation, lender negotiation, placement, brokerage or transaction-based execution.
Who is this service best suited for?
It is best suited for sponsors that already have a project, model or term sheet and need independent analysis before choosing a financing route.
Request CRE Debt Structuring Review
Submit the transaction summary, model, loan request, available term sheets, project budget and sponsor assumptions. Financely will review the scope and prepare the next steps.
Request Structuring ReviewImportant notice: Financely provides commercial real estate debt structuring consulting, capital stack advisory, term-sheet comparison and transaction documentation support. Financely does not provide legal, tax, accounting, valuation or securities advice through this service. This service does not include loan solicitation, lender negotiation, placement, brokerage or success-fee transaction execution. Financely does not guarantee lender approval, credit approval, loan proceeds, financing terms, valuation conclusions, closing timelines or funding outcomes. Any lender-facing execution work must be documented under the appropriate engagement structure and remains subject to applicable law, lender underwriting, KYC, AML, sanctions checks, credit approval and final documentation.
About Financely
We Provide Private Credit Trade and Project Finance Advisory for Sponsors and Borrowers
Financely is an independent capital adviser focused on trade finance, project finance, Commercial Real Estate, and M&A funding. We structure, underwrite, and place transactions through regulated partners across banks, funds, and insurers. Engagements are best-efforts, not a commitment to lend, and remain subject to KYC, AML, and approvals.