When business owners or investors seek funding, they often discover that not every lender is willing to step in. Traditional lenders are especially hesitant to fund smaller or more complex deals.
Many lenders set strict thresholds, turning away opportunities below a certain dollar amount or rejecting properties in less conventional circumstances. At Barrington Commercial Capital, we see things differently. We know that sometimes the smaller deals pave the way for larger opportunities, and we’re committed to being there when others won’t.
Financing Non-Warrantable Condos
Recently, we worked with an investor who owned 15 non-warrantable condos. These situations can be challenging because when a single owner holds multiple units in one complex, traditional lenders like Fannie Mae and Freddie Mac won’t provide financing. The condos were also in a higher-risk area, which added another hurdle.
While some lenders walked away, Barrington Capital found a solution. Our team leveraged its expertise in creative commercial real estate funding to connect the client with financing that kept the portfolio moving forward.
Supporting a $140K Duplex Purchase
Another borrower in Albany, NY, came to us seeking financing for a duplex purchase. The loan amount they were seeking was $140,000, which was just below the $150,000 minimum that many lenders require. For others, the size of the loan would have been reason enough to decline the request.
Barrington Commercial saw the deal as an opportunity to help a borrower grow. We found him a lender willing to fund the purchase and begin building a new partnership.
Why Smaller Loans Matter
There are so many roadblocks to getting commercial deal funding, including meeting property valuation thresholds. But the reality is that smaller transactions hold value for borrowers and lenders. While they don’t fit neatly into every lender’s box, they can be the foundation of long-term success for investors and business owners.
Barrington Commercial Capital specializes in creative lending solutions. Commercial real estate funding for smaller deals requires an outside-of-the-box approach. As a bespoke lender, we’re not limited by rigid checklists. Instead, we look at the full picture and design financing strategies that make sense for your business goals.
The Barrington Capital Difference
From DSCR loans to bridge funding, Barrington Commercial Capital offers a wide range of funding options to help clients get deals done. We listen, evaluate and find a way forward when others can’t or won’t.
Need help getting a deal done? Contact Barrington Commercial Capital to explore our funding solutions.
