Experience excellence at Van Zar Capital where we are committed to providing a service that exceeds our clients expectations.  Every commercial real estate loan scenario is unique and thus requires tailored solutions. 

At its highest level, commercial mortgage brokerage is a collaborative process of discovery. On the borrower side, the more the broker is able to learn about the property and the borrower’s needs, the more effectively he can focus his thinking and utilize his experience to assist the borrower in structuring the deal. On the lender side, a good broker carefully cultivates an effective and aggressive group of lenders. These are the kind of worthwhile relationships that can only develop over time. With each and every deal the relationship is tested and seasoned with mutual respect. The bar is raised. The boundaries are stretched. The stakes are always high because of the faith that has been placed in the broker by the client. Therefore, if disappointed by a lender’s execution, or by changes that (hopefully won’t) occur from the time a lender quotes a deal to the time the lender issues a commitment letter, that lender may never have another chance to win over that broker.

Part of the value, therefore, of Van Zar Capital, is accumulating and honing these performance-based lender relationships to a fine edge so they can be brought to bear on an individual borrower’s transaction.

At a sophisticated level, commercial real estate financing requires finesse, experience and the aforementioned carefully cultivated, time-tested array of “arrows” in the broker’s “quiver”. Or, to state it more generically: to be effective, one needs the right tool at the right time to accomplish a particular job.

What are the implications of all this for the borrower?  All these time-tested lender relationships together with Van Zar Capital's insight, judgment and advisory skills are leveraged by the borrower for a finite period of time without the need to employ such expertise on a permanent basis. All in all, I’d say it’s an amazingly efficient arrangement.

Construction Lending

Typically, Construction Loans are short-term loans utilized by borrwers to finance building costs.  Every construction loan varies depending on the product, the length of the construction process, and the borrwer's experience.  Van Zar Capital can help builders find the best source, rate and term for these often critical loans.                  

Specialty Programs

• Stated Income/Stated Assets
• Investor Programs

Mezzanine Loans

A mezzanine loan can be an integral component for a real estate owner or developer in many diverse circumstances.  The mezzanine typically equals the difference between the first mortgage lending amount and 85-90% of the purchase price.  Van Zar Capital has vast experience in evaluating options for our borrowers in this increasingly utilized loan product for a variety of real estate transactions.

SBA Loans

Our SBA loan experts can guide you through the process of acquiring a SBA loanin the most efficient manner.  Several SBA loan programs are available to your business, including:

• SBA 504 Loan Program - Commercial Real Estate
• SBA 7a Real Estate Loan - For Real Estate, Equipment or working capital
• SBA Specialty Business Start-Up Financing - Start Your Own Specialty Business
• SBA USDA Business Loan Program - For Qualifying Rural - Area Businesses
• Express Loan - Revolving line of credit

 When you consider that the owner of an apartment building, office property, shopping center or owner-occupied property will live with the economic consequences, restrictions, and conditions of a new mortgage transaction for years to come, the best option for an owner is unlikely to be achieved by picking up the phone and calling one or two familiar banks.  The smart owners know this and are happy to "outsource" the mortgage brokerage function, knowing that they will get the benefit of the broker's knowledge of the current marketplace.

 Since the lending landscape is a constantly moving target, Van Zar Capital guides the client, mindful of the client's desired loan structure, incorporating late-breaking news and knowledge of shifting market dynamics to fine-tune our approach to best achieve the client's objective. 

 Van Zar Capital is there for you through every step of the loan process and beyond.  It's our goal to establish a long term financial relationship with all of our clients. 

Make the most of your next commercial real estate transaction by taking the time to let Van Zar Capital assist you.  Tap into the wellspring of knowledge and expertise we have to offer, knowing Van Zar Capital is up to speed with all the nuances of the current lending environment.  Bringing that expertise in at an early stage will almost certainly ensure that your project will go more smoothly.