Set the mandate
Clarify proceeds, timing, hold period, recourse preferences, and business-plan constraints.
Capital Markets
Strategic Capital Markets & Financing Solutions
The success of a commercial real estate investment is often determined by the structure of its debt. At Stonecliff, we view capital markets as a strategic lever to enhance cash-on-cash returns and mitigate interest rate risk. We connect investors with a broad spectrum of institutional and private capital to ensure your financing aligns with your holding period and exit strategy.
Comprehensive Capital Stack Optimization
In a volatile lending environment, the biggest risk to an investor is a “re-trade” or a failed closing. Stonecliff mitigates this by maintaining deep relationships with a diverse lender base.
Our Process: Certainty of Execution
The success of a commercial real estate investment is often determined by the structure of its debt. At Stonecliff, we view capital markets as a strategic lever to enhance cash-on-cash returns and mitigate interest rate risk. We connect investors with a broad spectrum of institutional and private capital to ensure your financing aligns with your holding period and exit strategy.
Bridging Real Estate and Finance
Our Capital Markets team works in lockstep with our Investment Sales and 1031 Exchange specialists. This integrated approach allows us to provide a “one-stop” solution – securing the asset and the financing simultaneously to ensure you never miss a closing deadline.
Commercial real estate capital advisory
Structure the capital around the investment.
Stonecliff helps investors compare debt options, test execution risk, and coordinate financing with the acquisition or disposition strategy. The objective is not simply a quoted rate—it is capital that fits the property, business plan, and closing.
Our process
Certainty starts before the lender quote.
We organize the property story, define the financing mandate, test lender fit, and compare proposals on the terms that can affect both returns and closing certainty.
Build the package
Present the sponsor, property, lease, cash flow, and transaction in a lender-ready format.
Test the market
Evaluate credible sources of capital and normalize proposals beyond the headline rate.
Manage the closing
Coordinate diligence, appraisal, legal documentation, and closing conditions.
Compare the whole structure
A lower rate can still be the wrong loan.
Loan economics live in the details. We compare the features that determine proceeds, flexibility, downside exposure, and the probability of funding on schedule.
DecisionWhat to compareWhy it matters
ProceedsLTV, DSCR, debt yield, reserves, and future fundingThe usable capital may differ materially from the quoted maximum.
CostRate, index, spread, fees, hedging, and prepaymentTotal financing cost extends beyond the coupon.
RiskRecourse, guarantees, covenants, cash management, and carve-outsControl and downside obligations can outweigh small pricing differences.
ExecutionAppraisal, third-party reports, approvals, conditions, and timingA competitive quote has little value if it cannot fund the transaction.
Integrated advisory
Connect the debt to the deal.
Financing should be evaluated alongside lease durability, tenant risk, basis, market liquidity, and the planned exit. Stonecliff coordinates those property-level questions with the investor’s lender, counsel, and independent advisers.
Does the loan fit the hold period?
Term, prepayment, extension rights, and rate exposure should support the intended exit rather than constrain it.
What happens if income changes?
Stress lease rollover, tenant downtime, expense exposure, and covenant headroom before closing.
How certain are the proceeds?
Understand what remains subject to appraisal, underwriting, committee approval, or final documentation.
What flexibility is being traded away?
Review prepayment, transfers, additional debt, leasing controls, and cash-management provisions.
Capital markets FAQ
Questions investors should resolve early.
Every financing is property-, sponsor-, and lender-specific. These answers are a practical starting point.
What information is needed to begin?
Typical materials include the purchase contract or ownership history, rent roll, leases, operating statements, property details, sponsor information, and the requested loan structure.
Is the lowest interest rate always best?
No. Proceeds, fees, amortization, recourse, prepayment, reserves, covenants, flexibility, and execution certainty all affect the result.
Can financing run alongside a 1031 exchange?
Yes, but timing and equity requirements should be coordinated early with the qualified intermediary, lender, tax adviser, and closing team.
Does Stonecliff make the loan?
Stonecliff provides real estate brokerage and capital advisory services and coordinates with third-party lenders and the client’s independent professional advisers.
Planning an acquisition or refinance?
Put the financing strategy on the same timeline as the deal.
Share the property, target proceeds, timing, sponsorship, and business plan. We’ll help define the capital mandate and evaluate credible execution paths.
Stonecliff provides commercial real estate brokerage and advisory services. Financing is subject to lender underwriting, approvals, documentation, and market conditions. Stonecliff does not provide legal, tax, or accounting advice.
Commercial real estate capital advisory
Capital structured around the real estate—and the objective.
Stonecliff helps owners, investors, and developers evaluate debt and equity strategies for acquisitions, refinancings, developments, and portfolio decisions.
The capital stack
Higher return
Higher riskLower return
Lower risk
Higher riskLower return
Lower risk
Senior debtFirst payment priority · Secured by the asset
Mezzanine debtSubordinate financing · Additional leverage
Preferred equityPriority return · Negotiated control rights
Common equityResidual ownership · Highest upside exposure
Lower payment
priorityHigher payment
priority
priorityHigher payment
priority
Capital solutions
Match the structure to the hold, risk, and business plan.
The best capital is not simply the lowest quoted rate. Proceeds, recourse, term, amortization, reserves, covenants, prepayment, flexibility, and execution certainty all shape the real cost of a transaction.
Disciplined execution
A focused process creates leverage before negotiations begin.
We organize the story, surface the right capital sources, compare proposals on more than headline pricing, and keep diligence moving toward a financeable close.
01
Define the mandate
Clarify proceeds, timing, leverage, recourse, return objectives, flexibility, and transaction constraints.
02
Build the capital narrative
Package the property, sponsorship, operating history, underwriting, lease profile, and business plan for the market.
03
Source and compare
Run targeted outreach, test multiple structures, and normalize proposals across economics, terms, and closing risk.
04
Negotiate and close
Coordinate lender or investor diligence, third-party reports, documentation, and open items through funding.
When capital strategy matters most
Transactions where structure can change the outcome.
Net lease &
retail investments
Finance around tenant credit, lease term, rent growth, rollover, and asset liquidity.
Development &
lease-up
Align construction, bridge, and permanent capital with delivery, leasing, and stabilization milestones.
Portfolio &
recapitalization
Evaluate asset-level and portfolio-level structures for maturity management, liquidity, and growth.
Independent advice requires context. Capital recommendations should be evaluated alongside the client’s legal, tax, accounting, and financial advisers and the complete transaction documents.
Capital markets FAQ
Questions to answer before going to market.
01
What information is needed to begin?
Typically: property and borrower details, current rent roll and operating statements, lease information, existing debt, requested proceeds, sources and uses, and the proposed business plan.
02
How should financing proposals be compared?
Compare proceeds, rate, fees, amortization, term, recourse, reserves, covenants, prepayment, funding conditions, flexibility, and the capital source’s ability to close.
03
When should the process start?
Early enough to prepare clean materials, test structures, complete third-party reports, negotiate documents, and preserve alternatives before a purchase deadline or loan maturity.
04
Does Stonecliff provide loans or legal advice?
No. Stonecliff provides commercial real estate brokerage and capital advisory services and works with third-party lenders, investors, and the client’s professional advisers.
Confidential capital review
See the capital options before choosing a path.
Share the property, timing, and objective. We can help frame the request and evaluate a focused market process.
Request a confidential consultationStonecliff provides commercial real estate brokerage and advisory services, not lending, legal, tax, or accounting advice. Financing is subject to third-party underwriting, documentation, and approval.