Five recent closings. Five 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.
Miami 2-4 Unit: Cash-Out Refinance Closed in 10 Days
The owner of a 2-4 unit property in Miami wanted to pull cash out of the asset. Speed mattered, but what mattered more was getting competitive terms instead of being pushed into an expensive short-term product simply because the timeline was tight.
We placed it as a FlexTerm loan at roughly 55% LTV with no credit check and no income documentation, and minimal paperwork on the borrower's end. The appraisal was covered through our lender relationship, so there was no out-of-pocket cost to get the value established. Start to finish, it moved in 10 days.
The usual trade-off on no-doc financing is pricing. Speed and light documentation normally mean paying up on rate, or accepting a short-term product the borrower has to refinance out of a year later. Here the equity position did the work. At 55% loan to value there was real cushion sitting behind the loan, and that is what let us hold competitive terms rather than defaulting to the expensive fast option.
Owner-occupied and small multifamily cash-out is one of the cleanest uses of equity a property owner has, provided the structure does not quietly cost more than the cash is worth. That was the whole objective on this file. Real credit goes to the client, who had everything ready and responded the same day at every step, which is what makes a timeline like this possible at all.
Forman Capital Partners is a commercial capital advisory firm, not a direct lender. All financing is arranged through independent third-party lenders.
Miami Rental Property: $250,000 Cash-Out Refinance, Minimal Docs, Two-Week Turnaround
The owner of a Miami residential rental property wanted to access the equity that had built up in the asset. No sale, no new purchase, no complicated structure. A straightforward cash-out refinance on a property that was already performing.
We placed it as a $250,000 loan with a two-week turnaround on minimal documentation. The file qualified on the in-place rental income and a fresh appraisal. That is the underwriting story. The property carried the loan, so the borrower was not asked to produce a file that had nothing to do with how the deal would perform.
Clean deals like this get overcomplicated far too often. An owner with a performing rental and real equity walks into a bank and leaves with a document request list running to twenty items and a sixty-day timeline. The asset was never the problem. The process was. Matching the file to a lender who underwrites the property rather than the paperwork is what turned a two-month exercise into a two-week close.
Full credit to the client here, who was prompt with everything from the first request through to closing and trusted Forman Capital Partners to find the right desk. That responsiveness is exactly what makes a two-week timeline possible, and it is the difference between a deal that moves and a deal that drifts.
Forman Capital Partners is a commercial capital advisory firm, not a direct lender. All financing is arranged through independent third-party lenders.
I honestly don't know where to start. I was about 20 days from losing my house. My case was already past the redemption period and the sale was only 20 days away, which meant most lenders would not even look at it. I called one after another and the minute they heard how far along the foreclosure was, they were done. I was out of options and honestly out of hope.
I called Aren as a last ditch effort, and I still can't believe how fast he and his team turned the whole thing around. They pulled my exact court date directly from the court so we knew the real deadline, and Aren used it to buy me the time I needed. Karina helped negotiate the payoffs and uncovered things about my own property I never knew. What they secured was a real 30 year loan at a payment I can actually afford, and it let me keep the home that means so much to my family.
Aren has proven to me in a short time to be an absolute deal maker. His acumen and knowledge in a deal comes through loud and clear. He will be my Capital Partner going forward!
Heard about Aren through a family member referred to him on a commercial transaction. Within about a 3 hour window he had the situation diagnosed, the right lender identified, and a path forward laid out. He didn't try to force a product that didn't fit, he just got to the right answer fast. Already lined him up for my next investment property.
Our family runs a flower shop in Baldwin New York and we hit a wall with a balloon payment. Others we counted on dropped out at the last second. Aren had someone from his lender network on the phone with me before the day was over. That introduction got us across the finish line. Aren saved the business plain and simple.
I spoke with a lot of companies first, and most of them either overpromised or treated me like just another file. Aren and Karina were completely different. Honest about the process, realistic about timelines, and extremely responsive. They actually educated me throughout instead of just pushing paperwork.
As a small business owner, I originally reached out because I needed funding for inventory. What I ended up getting was so much more than just financing. They opened my eyes to how funding can be used strategically for real estate and acquiring assets.
I own a trucking business and needed funding fast to keep things moving. Aren and Karina connected me with the right people and kept me updated instead of leaving me guessing. In trucking, timing is everything, and he stayed on top of it from start to finish.
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 & Apartment Financing
Acquisition, refinance, cash-out and recapitalization on garden, mid-rise, high-rise, workforce, affordable and build-to-rent apartment communities. Agency execution through Fannie Mae and Freddie Mac, HUD 221(d)(4) and 223(f), life company permanent, CMBS, bank and private balance sheet bridge. Value-add and lease-up where in-place income does not yet support permanent debt, partner and equity buyouts, and portfolio facilities across scattered-site assets. If you own apartments and need to refinance a maturing loan, pull equity out, or buy the building next door, this is where that starts.
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.
Industrial, Warehouse & Logistics
Bulk distribution, last-mile and infill logistics, light and heavy manufacturing, flex and R&D, cold storage, truck terminals, and industrial outdoor storage. Acquisition, refinance, cash-out, and ground-up development. Single-tenant credit industrial and multi-tenant business parks, plus office, retail, and mixed-use commercial across the same desks. Underwritten on clear height, dock ratio, power, land coverage, and tenant credit rather than on comparables alone.
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
Leverage against performing and non-performing mortgage paper. Note-on-note senior facilities to fund the purchase of a first mortgage, hypothecation lines against a note you already hold, collateral assignment of note, mortgage, judgment and enforcement rights, and financing behind a discounted payoff. We place single-note transactions and portfolio facilities, including positions in receivership, post-judgment, and mid-foreclosure. Lenders who will advance against note collateral are a genuinely short list, and we know which desks write it at $1,000,000 and which only look above $20,000,000.
Net Lease, NNN & Sale-Leaseback
Single-tenant and multi-tenant net lease acquisition, refinance, and recapitalization. Credit-tenant underwriting where the lease and the guarantor carry the deal rather than the sponsor's balance sheet. Investment-grade and corporate-guaranteed leases, grocery-anchored NNN, pharmacy, QSR and fast food, convenience store and fuel, dollar store, auto service, medical and dialysis, and last-mile industrial. Credit tenant lease financing sized to the payment stream, long-term ground leases and leasehold positions, and net lease portfolios under one blanket facility. Sale-leaseback execution for owner-operators converting owned real estate into working capital while retaining occupancy. Blend and extend, lease buyout, and dark-value analysis where a tenant is approaching roll. Placed with life companies, CMBS desks, banks, and private balance sheets that price off lease term, guarantor credit, and rent coverage.
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.
Ground-Up Construction & Development
Vertical construction, horizontal development, and land-to-completion capital for multifamily, build-to-rent, condominium, hospitality, industrial, and mixed-use. Senior construction debt, completion financing where a prior lender fell out, subdivision and lot development through stabilization and sellout, and pre-development capital carrying a project through zoning, permitting, and entitlement. High-leverage LTC structures with funded interest reserves, milestone draw mechanics, and completion guaranty options. Lenders who underwrite a build as operators rather than off a spreadsheet.
ALF, Memory Care & Senior Housing
Assisted living, memory care, independent living, skilled nursing, and behavioral health. Acquisition, ground-up construction, bridge-to-HUD, lease-up, and portfolio recapitalization. HUD 232 and 223(f) permanent takeouts, bridge facilities underwritten to a stressed agency exit, and working capital lines funded alongside the real estate for operators carrying an operating shortfall rather than a collateral problem. Operator-driven underwriting from lenders who read census, licensure, and payor mix rather than square footage.
Gas Stations, C-Stores & Fuel Centers
Convenience store and fuel center acquisition, refinance, cash-out and partner buyout. Owner-user, dealer-supplied and branded jobber operations, single sites and multi-store portfolios, with car wash, quick-serve restaurant, truck stop and food service components. SBA 7(a) and 504 for owner-users, conventional bank, CMBS and private balance sheet for investors. We work through the diligence that stops most lenders cold: environmental Phase I and Phase II, underground storage tank compliance and testing, remediation history, franchise and fuel supply agreements, and dealer or jobber contract assignment.
Spirits, Beverage & Barrel Inventory
Non-dilutive lending secured by aging spirits and barrel inventory for distilleries, barrel owners, and brand operators. Bourbon, whiskey, tequila, and agave programs. Purchase order and pre-export finance sized to cost-to-perform against confirmed orders, inventory borrowing bases, and facilities structured with interest deferral through the aging curve. Capital that understands the collateral appreciates in barrel and cannot pay until it sells.
Institutional & Large-Balance Execution
Senior secured whole loans, syndicated facilities, and structured capital from $25,000,000 to $150,000,000 and above. Life company permanent, CMBS and conduit, agency at scale, institutional bridge and transitional, portfolio and note-level facilities, and construction at institutional size. Direct relationships with debt funds, insurance company balance sheets, and private credit platforms writing single-asset and portfolio cheques that community and regional lenders cannot reach.
1031 Exchange & Reverse Exchange Capital
Bridge capital sized to a 45-day identification and 180-day closing window. Reverse exchange financing where the replacement property must be acquired before the relinquished asset sells, improvement and build-to-suit exchanges, and parking arrangements through an exchange accommodation titleholder. Lenders who understand that an exchange deadline is not a preference, and who close inside it. Coordinated with your qualified intermediary and counsel from identification through closing.
Single-Tenant Credit & Corporate Guaranteed
Investment-grade and corporate-guaranteed single-tenant assets where the lease is the credit. Grocery, pharmacy, medical and dialysis, distribution and last-mile industrial, QSR, auto service, and essential retail. Financed against lease term, guarantor rating, and rent coverage, with high-leverage fully amortizing credit tenant lease structures available where the tenant carries a rating. Portfolio and single-asset execution.
JV Equity, Rescue & Sponsor Recap
Preferred equity, GP and LP equity, and restart capital for stalled or impaired projects. Placed selectively with rescue capital funds and discretionary family offices behind sponsors who have the deal but a broken stack.
Multifamily Construction & Ground-Up Development
Senior construction debt for ground-up apartments, build-to-rent communities, townhome and condominium development, and adaptive reuse conversions. Land-to-completion capital, horizontal development for subdivisions and pad sites, vertical construction, and completion financing where a prior lender failed to perform. High-leverage loan-to-cost with funded interest reserves, milestone draw mechanics, completion and carry guaranty structures, and mezzanine or preferred equity to close a gap without giving away the deal. If you control a site, have plans and a GC, and need the stack finished rather than replaced, that is the conversation.
Retail, Shopping Centers & Multi-Tenant
Strip centers, grocery-anchored and shadow-anchored retail, neighborhood and community centers, single-tenant retail and small-balance retail portfolios. Acquisition, refinance, cash-out and repositioning, including centers with staggered rollover, vacancy to lease up, or an anchor approaching expiry. Underwritten on in-place rent, tenancy mix, sales performance and rollover schedule rather than on sponsor net worth alone. Bank, CMBS, life company, credit union and private balance sheet execution from small-balance through institutional.
Investment Residential & Rental Portfolios
Single-family rentals, 1-4 unit properties, condominiums, townhomes and scattered-site portfolios held for investment. DSCR qualification off in-place or market rent with no tax returns and no personal income documentation, cash-out refinance to release trapped equity, fix and flip and fix to rent, blanket portfolio loans across multiple doors under one facility, and cross-collateral structures that reduce or eliminate cash at closing. Business purpose only. Foreign national and non-US citizen borrowers welcome, with no US credit history required on the right structure.