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.
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 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.
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.
Bridge, hard money, construction, refi, cash-out, distressed. If it's commercial, we know who to call. No upfront fees.
(561) 410-2098