Borrower Resources
Prepare Your Financing Request
Guidance and resources to help developers, investors, and sponsors organize commercial real estate financing opportunities for lender review.
Financing Preparation
Why Organized Project Information Matters
Lenders evaluate commercial real estate financing requests based on the quality and completeness of the information presented. A well-organized financing package signals sponsor credibility, reduces lender uncertainty, and accelerates the underwriting process.
Sponsors who come to the table with a clear project overview, a detailed development budget, a defined sources and uses, and documented sponsor experience are better positioned to receive competitive terms and move efficiently through the financing process.
Nortex helps sponsors structure and present their financing requests in a format that resonates with lenders. We review your project information, identify gaps, and help you prepare a package that supports a productive lender conversation.
Key Package Components
Project Overview
A clear description of the project — asset class, location, scope, and development rationale. Lenders want to understand the project before reviewing the numbers.
Development Budget & Sources/Uses
A detailed budget and capital stack summary. Lenders use this to confirm equity contribution, assess cost reasonableness, and size the loan.
Sponsor Experience
A summary of completed projects demonstrating relevant experience. Track record is one of the most important underwriting factors for construction lenders.
Liquidity Verification
Documentation confirming available liquidity. Lenders require sponsors to demonstrate the financial capacity to close and carry the project through completion.
Project Timeline
A realistic construction and stabilization timeline. Lenders underwrite to specific milestones — a credible timeline supports a stronger financing request.
Site Plans & Supporting Documents
Survey, site plan, engineering reports, and entitlement documentation. Availability of these materials accelerates lender due diligence and reduces closing risk.
Information Checklist
Typical Information Requested
The items below reflect what lenders commonly request during the underwriting process. Not all items are required at initial inquiry — we will guide you on timing and priority.
Project Address & Description
CorePhysical address, project type, total square footage or unit count, and a brief description of the development scope.
Ownership Structure
CoreEntity name, ownership percentages, and identification of the guarantor(s). Lenders will review the legal structure of the borrowing entity.
Development Budget
CoreDetailed project budget including land cost, hard costs, soft costs, financing costs, and contingency. A line-item budget is preferred for construction transactions.
Sources & Uses
CoreSummary of all capital sources (debt, equity, grants) and how proceeds will be deployed. Lenders use this to confirm equity contribution and capital stack structure.
Construction Timeline
CoreProjected start date, construction duration, and stabilization timeline. Include any pre-development milestones already completed.
Sponsor Experience
CoreSummary of completed projects — asset class, size, location, and role. Lenders evaluate sponsor track record carefully, particularly for construction transactions.
Liquidity Verification
CoreBank or brokerage statements confirming available liquidity. Most lenders require sponsors to demonstrate liquidity sufficient to cover equity contribution and reserves.
Personal Financial Statement
A current personal financial statement for each guarantor. Standard form or lender-provided template is acceptable.
Rent Roll / Operating Statements
For income-producing properties — current rent roll and 12–24 months of operating statements. Required for acquisition, bridge, and refinance transactions.
Survey, Site Plan & Engineering
Current survey, site plan, and any completed engineering or environmental reports. Availability of these documents accelerates lender due diligence.
Purchase Contract or Existing Loan
Executed purchase contract for acquisitions, or existing loan documents for refinance and recapitalization transactions.
Financing Process
What to Expect
Our advisory process is designed to be straightforward and responsive. We keep sponsors informed at every stage and set realistic expectations about timeline, lender appetite, and execution requirements.
Step 01
Initial Inquiry
Submit your project details. We review asset class, deal size, market, and sponsor background and respond within two business days.
Step 02
Advisory Review
We assess financing options, identify the appropriate capital structure, and discuss realistic expectations for lender appetite and terms.
Step 03
Lender Matching
We prepare your financing package and present your project to the lenders in our network most likely to execute on your specific deal.
Step 04
Structuring & Execution
We negotiate terms, coordinate due diligence, and stay engaged through closing. Our fee is success-based — we earn when you close.
Typical Timeline
Construction financing typically takes 60–120 days from initial engagement to closing. Bridge and acquisition transactions can move faster depending on lender and deal complexity. Timelines are driven by lender due diligence, appraisal ordering, and legal documentation — we work to keep the process moving efficiently.
FAQ
Frequently Asked Questions
Common questions from developers and sponsors evaluating a financing advisory engagement with Nortex.
Ask a QuestionRequest a Consultation
Request Financing Consultation
If you have an upcoming project or are evaluating capital options for an existing asset, we would like to hear about it. Share your financing needs — asset class, market, deal size, and timeline — and we will respond within two business days with initial feedback and a proposed advisory approach. No commitment required at the inquiry stage.