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