Find · Fund · Fuel

Real Estate Financing, Designed Around Your Cash Flow

Finance acquisitions, refinances, cash-out, construction, and value-add—without the guesswork. We map your deal across 5,800+ direct lenders by loan size, property type, geography, and execution so you choose the terms that fit your business plan.

See Your Real Estate Loan Options → Apply Now →
Agency · Bank/CU · Bridge · SBA · CMBS · Family Office Side-by-Side Comparisons Nationwide Coverage

Why Sunwise

You could call five lenders. We’ll map your deal across 5,800+. Real estate lending isn’t about who says yes—it's about which execution creates the best net outcome for your cash flow and strategy.

The DIY Trap

  • Invisible screens: “Out of market” can mean DSCR floors, tenant rollover, liquidity tests, or submarket overlays you never see.
  • Pricing drift: Term sheets with similar rates diverge on prepay, escrows, I/O, and covenants—moving the real APR 50–150 bps.
  • Opportunity cost: Every hour chasing quotes is an hour not running properties. One missed clause can cost years.
  • No leverage: A single app has no negotiating power. A real market—multiple ready lenders—does.

The Sunwise Advantage

  • Coverage that creates leverage: Curated access to agency, banks/CUs, debt funds, and CMBS desks nationwide.
  • Fit over noise: We filter by DSCR, LTV, NOI story, timeline, sponsorship, and geography so you only see winnable options.
  • Whole-structure optimization: Rate, amort/I-O, prepay, escrows, reserves, covenants, and recourse—balanced for real, all-in cost.
  • Execution through close: Underwriting packaging, third-party management, and timeline control to protect terms and momentum.

What We Finance

Multifamily (5+)

From small-balance to conventional agency executions for stabilized assets.

Industrial & Flex

Last-mile, logistics, and flex; single- or multi-tenant with pragmatic underwriting.

Retail

Neighborhood, grocery-anchored, strip, and NNN with tenant/rollover nuance built in.

Office / Medical

Professional and medical/dental with market-sensitive DSCR and LTV approaches.

Self-Storage & Specialty

Storage and select specialty assets with experienced-sponsor preference.

Owner-Occupied CRE

SBA 7(a)/504 options for businesses buying or improving their own real estate.

Programs (At a Glance)

Agency Multifamily (Fannie/Freddie)

Competitive fixed/float, robust prepay options, asset-level underwriting for stabilized assets.

Permanents (Bank/Credit Union)

5–10-year terms, amortization up to 30 years; relationship pricing; recourse or non-recourse case-by-case.

Bridge

12–36 months, interest-only for lease-up, rehab, and time-sensitive closings; capex-forward structures.

SBA 7(a) & 504 (Owner-User)

High-leverage, long amortization for users purchasing or improving their own real estate.

CMBS / Fixed-Rate

Non-recourse conduit execution for stabilized income assets seeking long-term fixed rate.

Construction & Value-Add

Ground-up or heavy capex with interest-only during build and options to take-out upon stabilization.

*Exact LTV/DSCR/terms depend on asset, market, and sponsor profile. Programs and terms subject to change.*

The Sunwise Process — Find → Fund → Fuel

Find

Share property, NOI/DSCR, leverage target, timeline, and business plan. We target a lender short-list that actually fits.

Fund

We source, negotiate, and present side-by-side terms (rate, amort/I-O, leverage, prepay, reserves, covenants) with a clear recommendation.

Fuel

We quarterback diligence, third-party reports, underwriting, and closing to protect momentum—then support future recapitalizations.

“Best rate” isn’t best if prepay traps you, I/O disappears, reserves choke cash flow, or recourse ties up your balance sheet. We optimize the whole structure so you can sleep at night and scale tomorrow.

FAQs

Do you charge upfront fees?
No junk fees. Third-party reports only when there’s an executable path and aligned terms.
Will you blast my deal to hundreds of lenders?
No. We target a curated, high-probability set to protect your story and negotiating position.
Can you work nationwide?
Yes—programs vary by state, market, and asset class.
Recourse vs non-recourse?
Depends on leverage, metrics, and lender appetite. We’ll present both if available.
How fast can we close?
Bridge can be very fast; agency/bank timing depends on third-party reports and committees. We manage the critical path.

Ready to See Your Best-Fit Options?

Let’s make a real market for your deal—so you can choose with confidence.

Apply Now →