Know the terms before you sign anything.
Plain-English guides to commercial capital, written by people who structure these deals for a living. Read them here, download the worksheets, share them with your accountant. No form, no pitch — just the math, told straight.
Bridge vs. Permanent Financing: When Each One Fits
Two different jobs, priced two different ways. The trick is knowing which one your deal actually needs — and not paying bridge money for a permanent hold.
Read the guidePlaybook · 6 minLoan Maturity: Refinance Before the Balloon Hits
Most commercial loans don’t pay themselves off — they come due all at once on a date you already know. The owners who get hurt are the ones who treat that date as far away.
Read the guideSelf-check · 5 minWill My Deal Qualify? Run Your Own Coverage Number
Before you apply, run the one number a commercial lender looks at first. It takes five minutes and a calculator, and it tells you where you stand — pass or fail — while you can still do something about it.
Read the guideGuide · 7 minThe Numbers a Lender Checks Before They Fund Your Project
Four ratios decide whether your deal funds and at what size. Learn to run them yourself, and you stop hoping for a number and start knowing it.
Read the guideGuide · 6 minHow Construction Draws Actually Pay Out
A construction loan doesn’t hand you the whole number on day one. It reimburses finished work in stages — and the gap between paying and getting paid back is what catches first-time owners off guard.
Read the guideGuide · 7 minFinancing Your First Small Commercial or Multifamily Building
Stepping up from a house, a duplex, or a lease into your first real building. The rules change more than most first-timers expect — here’s the honest version.
Read the guidePrefer a PDF or worksheet?
The True-Cost-of-an-MCA guide, the CRE financing explainer, and the cash-flow breathing-room worksheet are all free downloads — no email required.