Financing for net lease properties leased to national and regional brands, with no prepayment penalty. A fixed rate on a 30 year amortization, built for buyers, refinances, and 1031 exchanges.
On a triple net lease, the tenant pays the rent plus the property taxes, the insurance, and the maintenance. You collect a check. That's why net lease is a favorite of 1031 buyers and owners who want income without managing a building, and it's also why a net lease loan should look different from a regular commercial loan. The tenant, the guaranty, and the years left on the lease matter more than anything else about the building.
Most net lease loans from banks and life insurance companies carry yield maintenance or a step-down prepayment penalty, which makes selling to the next 1031 buyer or refinancing after a lease extension expensive. These loans have no prepayment penalty at all. You get a 5 year fixed rate on a 30 year amortization, up to 65% of value, and the freedom to sell or refinance whenever the timing is right.
On net lease properties, loan amounts typically range from $1 million to $30 million, up to 65% of value, with no prepayment penalty.
These are typical ranges, not a quote. Your rate and loan amount depend on the tenant, the lease, the property, and your credit.
These are typical terms. Yours depend on the tenant, the guaranty, the lease, and the property.
The terms above are for properties leased to national and regional brands. Every other tenant, and anyone who wants more leverage, fits our commercial DSCR loans.
For properties leased to national and regional brands
For any tenant, including local businesses
Drive-thru and fast casual buildings leased to brands like Chipotle, Wendy's, KFC, Dutch Bros, and Hardee's.
Clinics leased to DaVita and Fresenius, plus dental and multi-tenant medical.
Grocery and home improvement tenants like Whole Foods and Home Depot, plus anchored centers.
Tenants like Caliber Collision, Jiffy Lube, Advance Auto Parts, and Express Oil Change.
Tenants like KinderCare and Pet Paradise.
For a local tenant, or when you want more leverage.
See commercial DSCRBrand names describe the kinds of tenants we like. They aren't affiliated with Capituro.
For investors who want a fixed rate and the freedom to sell or refinance on their own timing.
Get a QuoteTerms early in your identification window, and a closing scheduled to your 180 day deadline.
With no prepayment penalty, a buyer's offer never comes with a payoff surprise.
Refinance onto a 30 year amortization and a fixed rate.
A fresh lease term often supports a bigger loan. Take cash out for the next property.
The address, the tenant, and what you want the loan to do. The lease is all it takes to start.
The loan amount, the rate, and what it takes to close, before you pay for an appraisal.
Appraisal, environmental, title, and insurance get ordered and kept on schedule. On a 1031 purchase, the schedule is built around your closing deadline.
Loan documents signed and the loan funded on your closing date.
Send the numbers and the address, and we'll come back with loan terms.
