Business Financing & Commercial Lending
Secured and unsecured debt capital for business growth, acquisitions, and strategic initiatives
Institutional Business Debt Capital
Pilothouse structures secured and unsecured debt capital for businesses and sponsors seeking flexible financing solutions beyond traditional bank constraints. Our institutional network provides access to competitive capital across the full spectrum—from senior secured term loans and revolving credit facilities to subordinated mezzanine debt and unsecured growth capital—for transactions ranging from $5 million to $250 million+.
We architect debt structures that align with your operational cash flow, growth trajectory, and strategic objectives. Our expertise spans acquisition financing, working capital facilities, equipment financing, recapitalization, and refinancing across diverse industries. Whether you're funding business expansion, commercial real estate development, or luxury asset acquisitions (private jets, yachts, art collections), our Pilothouse A³ Technology matches your mandate with the optimal capital source from our network of life insurance companies, private credit funds, family offices, and specialty lenders.
Business Financing Use Cases
Acquisition Financing
Debt capital for business acquisitions, management buyouts, and strategic M&A transactions across industries
Working Capital & Growth
Revolving credit facilities, term loans, and unsecured growth capital for expansion, inventory, and operations
Equipment & Asset Financing
Secured financing for machinery, vehicles, technology infrastructure, and other business-critical equipment
Recapitalization
Debt refinancing, balance sheet optimization, and capital structure restructuring for operational flexibility
Commercial Real Estate
Acquisition, development, and refinancing for office, industrial, multifamily, retail, and specialty properties
Luxury Assets
Private jets, yachts, art collections, exotic vehicles, and other high-value personal asset financing
Financing Structures
Senior Secured Debt
- Permanent Financing: 10-30 year fully amortizing loans for stabilized assets
- LTV: Up to 75% for institutional-quality properties
- Rates: 6.5%-9.5% (SOFR + 350-550 bps)
- Sources: Life insurance companies, CMBS, regional banks
Construction Loans
- Ground-Up Development: Full construction financing with land acquisition
- LTC: Up to 80% of total project cost for experienced sponsors
- Rates: 8%-12% floating rate (SOFR + 500-800 bps)
- Terms: 18-36 months with extension options
Bridge Financing
- Value-Add Repositioning: Short-term capital for property improvements
- LTV: Up to 70% for transitional assets
- Rates: 9%-13% floating rate
- Terms: 12-36 months with flexible prepayment
Mezzanine Debt
- Subordinated Financing: Fill capital stack gap between senior debt and equity
- LTV: 75%-90% combined senior + mezz leverage
- Rates: 12%-16% with potential equity kickers
- Sources: Private debt funds, family offices, mezzanine specialists
Why Choose Pilothouse for CRE Financing
Institutional Network
Direct relationships with 50+ CRE lenders including life insurance companies, CMBS conduits, debt funds, and regional banks
Competitive Terms
Leverage our deal flow to secure favorable pricing, flexible structures, and reduced origination fees
A³ Technology
AI-driven mandate matching accelerates underwriting and identifies optimal lenders based on property type, location, and sponsor profile
Fast Execution
Close in 30-60 days for qualified sponsors with our streamlined process and pre-vetted lender network
Ready to Secure Business Financing?
Schedule a consultation with our debt capital specialists to discuss your financing needs.