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.
$1.3 Million Ski Resort: Hard Money Business Acquisition
Hard money is not easy to place, and a first-time sponsor makes it harder. This borrower had been trying to finance the purchase of a ski resort for months and could not get it done, then trusted us to make it happen.
The problem was never the deal or the borrower. It was that a purchase like this needed the right desk for this specific asset class. We introduced the number one golf and specialty lender in the country, the one that finances this asset class for a living, and we made it happen. Competitive hard money, minimum documentation, and a letter of intent in only three days, with a clear path to close in one to two weeks. The right desk, the right structure, the deal done.
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.
Land & Development
Raw land, entitled parcels, ground-up development, and agricultural properties. We tap into specialized lenders who underwrite land deals that conventional banks won't touch.
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.
Distressed Debt & Note Acquisition
Note purchase, foreclosure takedown, DPO negotiations, bankruptcy 363 sale capital, and recapitalization of impaired assets. Lenders who buy distressed paper and operators who execute the workout. 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.