Question 1

What types of commercial real estate financing does Pilothouse arrange?

Accepted Answer

Pilothouse structures commercial real estate debt across all major property types including office buildings, multifamily developments, industrial facilities, retail centers, and hospitality assets. We provide senior debt (LTVs up to 75%), construction loans, bridge financing, and mezzanine debt with typical mandate sizes from $10M to $250M+.

Question 2

How does luxury asset financing work (jets, yachts, art)?

Accepted Answer

Pilothouse arranges secured debt financing for high-value luxury assets including private jets ($3M-$75M+), superyachts ($5M-$100M+), fine art ($1M-$50M+), and exotic vehicles ($500K-$10M+). Typical terms include 50%-80% LTV, 6%-12% interest rates, and 5-15 year terms with flexible amortization structures.

Question 3

What are typical commercial lending rates and terms in 2026?

Accepted Answer

Commercial lending rates vary by asset type and credit profile. Representative ranges include: Commercial Real Estate (6.5%-9.5%), Asset-Based Lending (7%-11%), Venture Debt (10%-14% + warrants), and Unitranche Facilities (11%-15%). Origination fees typically range from 1%-3% with terms of 3-7 years.

Question 4

What costs or terms should founders expect from equity and debt investors?

Accepted Answer

Equity investors typically structure early-stage capital as SAFEs or Convertible Notes with 15-25% valuation discounts and $15M-$20M valuation caps. Debt facilities tied to receivables or cash flows typically cost 12-15% all-in with 1-2% origination fees and 80% advance rates on verified receivables.

Question 5

How long does it take from engagement to cash in hand?

Accepted Answer

Timelines vary based on company readiness and capital type. Equity raises typically take 8-16 weeks from kickoff to close. Debt facilities can close in 4-8 weeks for prepared companies with clean financials. Pilothouse's A³ Technology accelerates this process through automated intake and institutional mandate matching.

Question 6

What types of investors or funders does Pilothouse work with?

Accepted Answer

Pilothouse maintains relationships with 50+ institutional capital providers including private credit funds, family offices, life insurance companies, business development companies (BDCs), regional banks, and specialty lenders. Our network spans senior secured lenders, mezzanine funds, and growth equity investors.

Question 7

How does Pilothouse ensure confidentiality during the capital raising process?

Accepted Answer

Pilothouse uses proprietary 'Locker' technology to redact sensitive data and control information flow. We execute NDAs with all capital providers before sharing materials, use anonymized teasers for initial outreach, and provide detailed audit trails of who accessed what information and when.

Question 8

What is Pilothouse's fee structure?

Accepted Answer

Pilothouse operates on a success-based fee model aligned with transaction close. Fees are structured as a percentage of capital raised and vary based on mandate complexity, size, and capital type. We provide transparent fee quotes during initial consultation with no upfront retainers for qualified mandates.

Question 9

Does Pilothouse take an equity stake or board seat?

Accepted Answer

No. Pilothouse is a pure advisory firm and does not take equity stakes, board seats, or warrant coverage. We maintain 100% independence to ensure our recommendations are solely in your best interest without conflicts of interest.

Question 10

How does Pilothouse divide responsibilities with the company during a raise?

Accepted Answer

Pilothouse handles capital strategy, funder outreach, term sheet negotiation, and transaction management. The company focuses on running operations, maintaining growth momentum, supporting investor diligence, and maintaining internal execution discipline. This division ensures speed, credibility, and accountability.

Frequently Asked Questions

Still Have Questions?

Frequently Asked Questions

What costs or terms should founders expect from equity and debt investors?

How long does it take from engagement to cash in hand?

What types of investors does Pilothouse work with?

What due diligence should founders expect?

Will Pilothouse disclose all fees and agreements?

How does Pilothouse approach valuation discussions?

What does Pilothouse do vs. what founders are responsible for?

What types of commercial real estate financing does Pilothouse arrange?

How does luxury asset financing work (jets, yachts, art)?

What are typical commercial lending rates and terms in 2026?

Still Have Questions?