Book a free consultation
Every commercial deal has a story. Before you fill out a single application, talk it through with a senior banker who can tell you quickly whether it is financeable, and what structure gives it the best chance of closing.
There is no cost and no obligation. Schedule a call with Michael McGovern, or call 888-656-9812.
What we will cover
- The asset — property type, location, condition and current performance
- The sponsor — experience, credit profile and liquidity, including scenarios banks have already declined
- The timing — when you need to close and what that rules in or out
- Realistic structures — which of our 750+ lenders are a genuine fit, and what terms to expect
Who you will be speaking with
With more than 20 years in the mortgage industry, Michael McGovern uses his contacts, specialized knowledge and experience to analyze any lending scenario and structure a mortgage customized to the client’s exact needs.
“Most commercial property lenders have narrow, inflexible guidelines and only fund perfect-scenario loans,” says Michael. “We have curated a network of private lenders who understand that every loan has a unique story, and because of our track record, they are willing to listen to the needs and issues of our borrowers.”
Michael’s decades of experience analyzing and structuring complex deals have positioned him to meet the challenging nature of today’s commercial lending landscape. The relationships he has forged at CMC have allowed clients to secure funding for projects that once would have been impossible to finance.
How the free consultation works
The call takes about twenty minutes and follows the same order every time. We start with the property and the numbers you already have, move on to what a lender will ask for, then finish with a realistic range of terms and a timeline. Nothing is submitted anywhere and nothing is pulled from your credit file, so there is no downside to a first conversation.
If the deal is financeable you leave the call knowing roughly what leverage, rate and closing window to plan around, and which lender types are worth approaching. If it is not financeable today we will say so plainly and explain what would have to change, which is usually occupancy, seasoning, liquidity or a cleaner set of financials.
What to have ready
- Property details — address, type, unit or square foot count and current condition
- Income and expenses — a rent roll and the last twelve months of operating figures, or a pro forma for new construction
- Purchase or payoff figures — contract price and deposit, or the existing loan balance and maturity date
- Sponsor snapshot — rough credit range, liquidity and any commercial deals you have already closed
None of this has to be perfect. A free consultation is useful even with rough numbers on the back of an envelope, because the first thing we test is whether the story holds together, not whether the paperwork is complete.
What happens after the call
You get a short written recap with the structures we discussed and the documents needed to take it further. From there you decide whether to move forward. We do not chase, and we do not sell your details to a panel of lenders. If you would rather start in writing, send the scenario over and we will reply before you book a free consultation. Either way you finish with a clear view of where the deal actually stands, which is considerably more than most borrowers get from a first conversation at a bank branch or an online lead form.
Ready when you are
Book your free consultation or send us your scenario. You can also explore commercial mortgages, multifamily and apartment building loans, portfolio lending and hard money and bridge loans.