Office Property Financing
Office properties serve as the headquarters for businesses of all sizes. We provide financing for office acquisitions, renovations, and repositioning projects across all asset classes.
Industry Challenges
Evolving workplace trends affecting demand
Tenant rollover and lease-up risk
TI (tenant improvement) costs for new leases
Building systems and common area maintenance
Submarket differentiation in valuations
Our Solutions
Bridge financing for lease-up periods
TI reserves built into financing
Flexible underwriting for value-add opportunities
Submarket expertise in target areas
Creative structures for repositioning projects
Office Building Financing
Office properties remain essential to business operations despite evolving workplace trends. We finance office buildings across all classes and sizes, with particular expertise in value-add and repositioning opportunities.
Office Classes We Finance
Class A
- Premium buildings in prime locations
- Modern amenities and systems
- Strong credit tenants
Class B
- Well-maintained older buildings
- Good locations with solid tenants
- Value-add potential
Class C
- Older buildings needing updates
- Repositioning opportunities
- Price-sensitive tenants
Medical Office
- Healthcare tenant focus
- Specialized buildout considerations
- Stable, long-term leases
Investment Approaches
Stabilized Acquisitions Well-leased buildings with strong tenants:
- Permanent financing options
- Cash flow based underwriting
- Competitive rates for quality assets
Value-Add Opportunities Buildings with below-market occupancy or rents:
- Bridge financing for lease-up
- TI reserves for tenant improvements
- Refinance upon stabilization
Owner-Occupied Businesses purchasing their space:
- SBA and conventional options
- Higher LTV for owner-users
- Build equity instead of paying rent
Market Considerations
Office financing requires careful market analysis:
- Submarket Dynamics - Vacancy and absorption trends
- Tenant Quality - Credit strength and lease terms
- Building Competitiveness - Amenities and positioning
- Accessibility - Parking, transit, and location
- Workplace Trends - Hybrid work impact on demand
Loan Features
- Loan Size: $500K - $30M+
- LTV: Up to 75% depending on occupancy
- DSCR: 1.25+ for permanent loans
- TI/LC Reserves: Available for lease-up
Suburban Office Repositioning
An investor acquired a 60% occupied suburban office building at significant discount to replacement cost. Our bridge loan funded acquisition and tenant improvements. Within 18 months, occupancy reached 95% and the property refinanced into permanent debt.
Available Programs
Office Bridge Loans
Acquisition and repositioning financing
Medical Office Loans
Specialized financing for healthcare facilities
Owner-Occupied Loans
Financing for businesses purchasing their space
Office Refinancing
Refinance existing debt or cash-out equity
Other Industries
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Our team specializes in office financing. Let us help you find the right solution for your business.