REAL ESTATE FINANCING
Financing built around the property and your plan.
From a building your business will occupy to an investment property you plan to renovate, lease, or hold, Spearing Capital helps identify a financing path that fits the transaction.
TWO PRIMARY PATHS
What role does the property play?
The best starting point is whether the property supports your operating business or serves as an investment.
YOUR BUSINESS OPERATES THERE
Owner-Occupied Commercial Real Estate
Purchase or refinance the location where your business operates, with options designed around the property, the business, and the purpose of the transaction.
- Purchase a commercial building
- Refinance an existing property
- Access equity for qualifying business needs
- Improve or reposition the business location
THE PROPERTY IS AN INVESTMENT
Investor Real Estate
Finance a rental, renovation, acquisition, construction, or bridge strategy using a structure matched to the property and intended exit.
- Acquire or refinance rental property
- Renovate and resell qualifying property
- Bridge a time-sensitive transaction
- Build or substantially improve property
- No time-in-business requirement for investment real estate projects
PROGRAM CATEGORIES
A range of ways to finance real estate
Owner-Occupied Purchase & Refinance
For qualifying offices, medical facilities, retail spaces, service businesses, childcare facilities, restaurants, automotive properties, and other operating locations.
Long-Term Rental Financing
Longer-term purchase, refinance, and cash-out options for qualifying non-owner-occupied rental properties, often evaluated in part on property cash flow.
Fix-and-Flip & Renovation
Short-term acquisition and renovation financing for qualifying residential, multifamily, and mixed-use investment projects.
Bridge Financing
Shorter-term financing for acquisitions, timing gaps, cash-out needs, stabilization, or a transition to longer-term financing.
Multifamily & Mixed-Use
Options for qualifying apartment properties and buildings that combine residential and commercial uses.
Ground-Up Construction
Financing for qualifying investor construction projects based on the site, budget, experience, completed value, and exit strategy.
A PRACTICAL FIRST REVIEW
What helps us understand the opportunity
You do not need a complete loan package for the first conversation. A clear summary lets us identify the most relevant next step.
- Property type and location
- Purchase price or estimated value
- Requested financing amount and use of proceeds
- Current occupancy, rent, or business use
- Renovation or construction scope, if applicable
- Experience, timing, and intended exit strategy
HOW IT WORKS
From property details to a financing path
01
Share the transaction
Tell us about the property, purpose, amount, timing, and your plan.
02
Review possible structures
We identify the categories that may fit and outline likely documentation.
03
Move into review
Submit the appropriate application and supporting materials for underwriting.
Real estate financing questions
Can financing be used for both a purchase and a refinance?
Yes. Depending on the property and transaction, options may be available for purchases, rate-and-term refinances, cash-out refinances, renovations, or construction.
What property types may be considered?
Potential property types include investor one-to-four-unit residential property, multifamily, mixed-use, office, retail, warehouse, self-storage, automotive, medical, and other qualifying commercial property.
Is there a time-in-business requirement for investment real estate projects?
No. Investment real estate projects do not have a time-in-business requirement. Other property, project, borrower qualification, experience, credit, liquidity, exit strategy, and underwriting requirements may still apply.
Is personal income always the primary qualification factor?
Not always. Some investor programs place greater emphasis on property value, rental cash flow, project details, borrower experience, and the exit strategy. Requirements vary by transaction.
Are program terms guaranteed?
No. Availability, leverage, pricing, documentation, and final terms depend on underwriting, property details, borrower qualifications, geography, and current program guidelines.
START THE CONVERSATION
Discuss your real estate financing request.
Share the property, transaction type, approximate amount, and timing. This is an initial inquiry—not a full application.
Please do not submit Social Security numbers, bank credentials, or other sensitive personal information through this form. Submission does not guarantee approval or financing.