Commercial Real Estate Loan Package & Offering Memorandum Preparation
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Lender-Ready Loan Packages For Commercial Real Estate Borrowers
Financely prepares commercial real estate loan packages and offering memorandums that organize the borrower, asset, financials, rent roll, T-12, project budget and sponsor track record into a clean credit file. The result is a professional package that helps lenders understand the transaction faster and ask better credit questions.
Mandate fit: suitable for borrowers, developers and sponsors preparing a commercial mortgage, bridge loan, construction loan, acquisition financing, refinancing, value-add financing or portfolio financing request.
Need the file packaged before lender review?
Send the borrower file, rent roll, T-12, project budget, loan request and sponsor background.
What Financely Prepares
Lender-Facing Transaction Memo
Financely prepares a commercial real estate offering memorandum covering the asset, borrower, sponsor, requested debt, collateral, repayment source, credit metrics and key risks.
- Executive summary
- Property overview
- Financing request
- Repayment analysis
- Risk summary
Organized Borrower File
We assemble the borrower’s financials, rent rolls, T-12s, budgets, valuation support, ownership details and entity documents into a lender-readable package.
- Borrower profile
- Ownership structure
- Financial statements
- Entity documents
- Supporting schedules
Track Record And Execution Capacity
The package presents sponsor experience, prior projects, relevant operating history, team bios and execution capacity in a format lenders can process quickly.
- Sponsor biography
- Completed projects
- Relevant asset experience
- Management team overview
- Net worth support where available
Commercial Real Estate Loan Package Checklist
| Package Section | What Financely Organizes | Why It Matters |
|---|---|---|
| Executive Summary | Borrower, property, loan request, collateral, repayment source and transaction objective. | Gives lenders a fast view of the deal before deeper underwriting. |
| Property Overview | Asset type, location, size, occupancy, tenancy, market position and business plan. | Shows what the lender is financing and how the asset generates repayment capacity. |
| Rent Roll | Tenant schedule, lease terms, expirations, rent levels, occupancy and concentration risk. | Frames income quality, rollover risk and tenant exposure. |
| T-12 Analysis | Trailing revenue, expenses, NOI, adjustments, non-recurring items and key variances. | Connects historical performance to lender underwriting assumptions. |
| Project Budget | Acquisition cost, hard costs, soft costs, contingency, reserves, closing costs and capex. | Shows whether the requested loan proceeds match the actual funding need. |
| Sources And Uses | Senior debt, sponsor equity, mezzanine capital, preferred equity, reserves and transaction costs. | Clarifies the capital stack and funding gap. |
| Sponsor Track Record | Relevant projects, ownership history, development experience, operating history and team bios. | Helps lenders assess sponsor quality and execution capacity. |
| Risk Summary | Lease risk, market risk, construction risk, refinancing risk, cost risk and borrower risk. | Prepares the file for real credit committee questions. |
Best-Fit Use Cases
Process
Document Intake
The sponsor provides the property summary, rent roll, T-12, project budget, loan request, sponsor background, ownership details and available valuation support.
Credit File Assembly
Financely organizes the file into borrower, property, financial, budget, sponsor, capital stack and risk sections.
Offering Memo Draft
We prepare the lender-facing memorandum with the transaction narrative, financing request, asset summary, sponsor profile and credit metrics.
Review Cycle
The sponsor reviews the package, provides corrections and confirms the commercial details before final delivery.
Final Package Delivery
Financely delivers the package in a clean format that can support lender review, internal review or capital markets advisory work.
Optional Update Support
If new financials, budgets, rent rolls or lender feedback arrive, the package can be refreshed under a separate update scope.
Scope note: this page covers loan package preparation and offering memorandum preparation. It does not cover loan solicitation, loan negotiation, placement, brokerage or success-fee lender execution.
Information Needed From The Sponsor
Asset-Level Documents
- Property summary
- Rent roll
- T-12 or operating statement
- Lease abstracts where available
- Capex or project budget
- Appraisal or broker opinion of value where available
Sponsor And Financing Documents
- Loan request
- Sources and uses
- Borrower financials
- Entity structure
- Sponsor track record
- Existing debt terms where applicable
Frequently Asked Questions
What does the CRE loan package include?
The package can include the offering memorandum, executive summary, borrower profile, property overview, rent roll summary, T-12 analysis, project budget, sources and uses, sponsor track record and risk summary.
Can you prepare a package for a bridge loan?
Yes. Financely can prepare packages for bridge loans, commercial mortgages, construction loans, refinancing, acquisition financing and value-add real estate financing.
Can the package include financial modeling?
Yes. Financial modeling can be added where needed, including pro forma outputs, DSCR, LTV, debt yield, sources and uses, and sensitivity analysis.
Do you negotiate with lenders?
This service covers document preparation only. Any lender-facing capital markets advisory, lender research or transaction execution work must be handled under a separate engagement.
Who is this service best suited for?
This service is best suited for borrowers, developers and sponsors who already have a defined financing request and need the materials organized before lender review.
Request CRE Loan Package Preparation
Submit the borrower file, property details, rent roll, T-12, project budget, loan request and sponsor background. Financely will review the scope and prepare the next steps.
Request Loan Package SupportImportant notice: Financely provides commercial real estate loan package preparation, offering memorandum preparation, financial presentation support and transaction documentation assistance. Financely does not provide legal, tax, accounting, valuation or securities advice through this service. Financely does not guarantee lender approval, credit approval, loan proceeds, financing terms, valuation conclusions, closing timelines or funding outcomes. Any lender-facing capital markets, placement, solicitation, negotiation or transaction 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.
Independent Capital Advisory
About Financely
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.
Our work is transaction-specific. We assess the underlying financing requirement, commercial structure, repayment mechanics, collateral, documentation and counterparty risks before preparing opportunities for lender or investor review.
In trade and commodity finance, this includes analysis of the underlying trade, payment mechanics, market evidence, collateral controls and compliance risks. Engagements are undertaken on a best-efforts basis and do not constitute a commitment to lend or invest. All transactions remain subject to KYC, AML, due diligence, credit approval and counterparty requirements.
Trade Finance Expertise
Institutional Trade Finance Experience
Financely combines experience across documentary credits, structured trade finance, commodity finance, structured credit and working-capital facilities with transaction structuring, underwriting preparation and capital placement capabilities.
Our trade finance capabilities cover import, export, pre-shipment, post-shipment and commodity-backed financing structures across Europe, Africa, the Middle East, South Asia and Southeast Asia. We assess the commercial transaction alongside the proposed financing structure, including payment mechanics, counterparties, collateral, repayment sources and transaction controls.
Financely supports importers, exporters, commodity traders, manufacturers and other operating companies with structuring, underwriting preparation and placement of financing opportunities with banks, private credit funds, specialty lenders, insurers and other institutional capital providers.
Our work may include documentary credit structures, supplier financing, receivables facilities, inventory financing, borrowing-base facilities, pre-export finance and other structured working-capital solutions. Each mandate is developed around the underlying trade flow, credit profile and requirements of prospective financing providers.
Trade Finance Capabilities
- Documentary letters of credit under UCP 600
- Standby letters of credit under ISP98
- UPAS and supplier-payment structures
- Import and export financing
- Pre-export and pre-shipment facilities
- Post-shipment financing
- Receivables discounting and financing
- Inventory-backed facilities
- Commodity-backed working-capital facilities
- Borrowing-base financing structures
- Collateral-control structures
- Structured credit and private debt facilities
Underwriting & Execution
- Transaction structure and financing analysis
- Trade-flow and repayment-source assessment
- Counterparty and commercial-document review
- Collateral and security-package structuring
- Cash-control and repayment mechanisms
- KYC, AML and compliance coordination
- Credit memorandum and lender-package preparation
- Financial and transaction data-room preparation
- Lender and capital-provider identification
- Financing structure and term-sheet coordination
- Documentation-process coordination
- Financing placement and execution support
Financely's trade finance capabilities include postgraduate finance qualifications and professional experience across banking, structured credit, documentary trade finance, working-capital finance and cross-border commodity transactions. Sector exposure includes energy, metals, agricultural commodities, industrial products and general import-export trade.
Advisory Services
Find the Right Financing Service
Select the financing category relevant to your transaction. Each mandate is assessed based on transaction structure, capital requirement, execution readiness and lender suitability.
Trade Finance Advisory
Structuring and placement for importers, exporters, commodity traders and companies executing cross-border transactions. Mandates may involve documentary credits, commodity-backed facilities, receivables, inventory and structured working capital.
Project Finance Advisory
Debt and capital advisory for renewable energy, infrastructure, industrial and other capital-intensive projects. Financely supports sponsors with financing structure, lender preparation and capital placement.
Commercial Real Estate Finance
Capital advisory for commercial property acquisitions, developments, bridge transactions, construction projects and refinancing requirements.
M&A and Acquisition Finance
Capital structuring for acquisitions, buyouts, sponsor-backed transactions and strategic corporate purchases. Mandates may combine senior debt, private credit, bridge capital and mezzanine financing.
Private Credit and Structured Debt
Bespoke debt structures for companies and sponsors requiring institutional capital outside conventional bank lending parameters.
Financely Structured Finance Insights
