Three recent closings. Three situations the market said couldn't be done. One playbook: place the file with the lender it was actually built for.
$18 Million South Florida Farm: Saved From Foreclosure in Under 45 Days
An $18 million South Florida farming operation was facing foreclosure on a $3.7 million USDA loan with less than 45 days before they would lose the property entirely. Traditional lenders wouldn't touch it. The timeline was too tight and the situation too complex for conventional financing.
We connected them with a private capital source from our network, structured a deal that worked for both sides, and closed before the deadline. The farm is still operating today, and after we came through when no one else could, the operation has grown into a major supply relationship with Publix that continues to expand.
Forman Capital Partners is a commercial capital advisory firm, not a direct lender. All financing is arranged through independent third-party lenders.
Used Car Dealership in Opa-locka, FL: Cash-Out Refi That Killed the MCA Trap
Used car dealerships are not the easiest business type to finance. Most lenders won't touch the property type, and when you add a tough location into the mix, the door closes even faster. This borrower had real equity in the property but was being crushed by multiple merchant cash advances taking daily payments out of the operating account. Cash flow was disappearing and the clock was ticking.
Every other capital shop he called told him the only thing he could qualify for was another MCA, the same product strangling his business in the first place. We got him a real bank loan instead. Thanks to a relationship with a specialty bank in our network, we got it done: traditional structure, real terms, the cash-out refi paid off the MCAs, restored the operating account, and gave the business room to breathe.
Forman Capital Partners is a commercial capital advisory firm, not a direct lender. All financing is arranged through independent third-party lenders.
Equity Preserved. Foreclosure Stopped. 30-Year Fixed Delivered.
Every lender she called said the same thing: it was too late. The foreclosure had already run its course. She was past the redemption period, the court could swing the gavel at any moment, and the only offer on the table was a predatory one-year bridge at terms that would have buried her deeper than the foreclosure itself. She came to Forman Capital Partners doubtful, out of options, and ready to sign something out of desperation that would have done far more damage than good.
Forman Capital Partners did not wait. Our team pulled the court dockets, and our Partner and General Counsel tracked every filing and coordinated the legal timeline to ensure nothing was left to chance. We identified the exact date of sale and built the entire execution around a closing window that most firms would not have touched. Term sheet secured in 24 hours. Appraiser on-site in 48. The loan program required no income verification, no credit check, and no documentation whatsoever. What we delivered was not a band-aid. It was a traditional 30-year fixed mortgage at the most competitive terms available in the market, funded at 50% loan-to-value through a Fortune 500, publicly traded company. FCP secured expedited approval given the severity of the situation, and the appraisal was provided at no cost to the borrower as a direct result of our relationship with the institution.
The sale never reached the block. Her equity was preserved in full. And the predatory terms she was hours from accepting never touched her file.
Forman Capital Partners is a commercial capital advisory firm, not a direct lender. All financing is arranged through independent third-party lenders.
Two principals.
One standard.
No upfront fees. No retainers. No commission of any kind until the deal funds. That structure is deliberate. It is the reason a borrower can trust the advice they are getting, the reason the lender on the other end is the right one for that specific file, and the reason the work stays owned from intake to close instead of relayed down a chain that costs the borrower the one thing most deals cannot afford to spend: time.
The firm operates with direct private and institutional lender access on the debt side and a level of contract scrutiny most capital advisors do not bring to the table.
Asset Classes We Place.
Multifamily & Apartments
Apartment complexes from 5 to 500+ units. Purchases, refinances, and cash-out transactions placed with lenders who specialize in multifamily.
Hotels & Hospitality
Full-service hotels, boutique properties, and resorts. We source capital from lenders who understand the hospitality space inside and out.
Bridge & Construction
Short-term bridge capital and construction financing. When timing is critical, we connect you with lenders who can move fast.
Healthcare & Special Use
Hospitals, assisted living, medical offices, and specialty properties. We place these with lenders experienced in healthcare real estate.
DSCR & Investor Loans
Qualify based on the property's cash flow. We connect investors with lenders offering portfolio loans, fix & flip, and cash-out options.
Office, Retail & Industrial
Acquisition and refinance for commercial assets including retail, office, warehouse, industrial, and mixed-use properties.
Hard Money & Private Lending
Asset-based financing through our extensive network of private capital sources. Close in as little as 7 days with approval driven by collateral value, not credit scores or tax returns. Ideal for time-sensitive deals, value-add plays, and situations where traditional banks can't move fast enough.
Foreclosure Bailout & Equity Rescue
Your property has equity and you are facing foreclosure. Notice of default recorded, lis pendens filed, judgment entered, inside or past the redemption period, or a sheriff sale already on the calendar. Our Partner and General Counsel works alongside Aren to pull the court docket, track the exact sale date, and coordinate every step under an expedited timeline. No income, no credit check, no documentation. Traditional 30-year fixed through Fortune 500, publicly traded companys. Stop the auction and keep your equity.
Equipment Financing
Trucks, excavators, bulldozers, loaders, cranes, trailers and heavy machinery for construction, logistics and commercial operations. New or used equipment with flexible terms to keep your fleet moving and your capital working.
Power Plant & Operating Energy Infrastructure
Acquisition financing for operating natural gas, biomass, hydro, cogeneration, and combined-cycle facilities. Senior secured first lien from energy-focused private credit, family offices, and specialty lenders. Capacity payment contracts, PPAs, and tolling structures all underwritten by lenders who know the asset class.
Solar, Battery Storage & Wind
Construction-to-perm and acquisition financing for utility-scale and C&I solar arrays, BESS battery storage systems, and wind projects. ITC and PTC tax credit structures, PPA-backed underwriting, and project finance from lenders deep in the renewable energy transition.
EV Charging & Energy Transition
DC fast charging networks, fleet electrification, hydrogen production, EV depot conversions, and charging-as-a-service infrastructure. IRA-eligible project finance, equipment lease structures, and senior debt for operators scaling against state and federal incentive programs.
Note-on-Note Financing & Note Acquisition
Note-on-note financing and hypothecation against performing, sub-performing, and non-performing paper. Borrow against a promissory note, monetize a seller carryback, leverage a note purchase, or finance an NPL portfolio through a collateral assignment of the note and deed of trust. Plus note purchase, foreclosure takedown, DPO negotiations, bankruptcy 363 sale capital, and recapitalization of impaired assets. The exact playbook when the loan in front of you is the wrong instrument and the asset is the right one.
JV Equity, Rescue & Sponsor Recap
Preferred equity to right-size impaired positions, GP and LP equity for stalled developments, and restart capital for projects that need a second wind. Dedicated rescue capital funds and discretionary family offices placing equity behind sponsors with the deal but a broken stack.
Renewable Equipment & Project Finance
Solar array acquisition, battery installation rollouts, EV fleet conversions, and energy efficiency capex. Equipment finance, sale-leaseback, and project-level debt structures for operators, EPCs, and asset owners deploying renewable infrastructure at scale.
SaaS, Recurring Revenue & Non-Dilutive C&I
Senior secured debt for SaaS, tech-enabled services, subscription, and recurring-revenue businesses outside traditional bank parameters. ARR-based facilities, ABL revolvers, cash-flow term loans, asset-backed term loans, unitranche, and 2nd lien. Industry-agnostic capital for entrepreneurs and consumer brands seeking financing that does not dilute the cap table.
Self-Storage, Marina & Specialty CRE
High-margin niche real estate that traditional banks redline. Self-storage acquisition and conversion, marina and waterfront with wet slips and submerged land, gas station and c-store, car wash, parking structures, and cannabis-adjacent real estate. Specialty lenders who underwrite unit mix, fuel contracts, environmental reports, and complex coastal collateral with the depth that wins these deals.
Franchise Roll-Ups & Multi-Unit Operating Companies
Acquisition financing for multi-unit franchise platforms in QSR, fitness, automotive services, healthcare, and personal services. Capital for operators rolling up 5 to 50+ units, partner buyouts, expansion across new territories, and same-brand consolidation plays. SBA, conventional, and non-bank senior debt structured against unit-level cash flow and brand-system economics.