PM ADVISORY GROUP | CAPITAL • ADVISORY • EXECUTION

COMMERCIAL REAL ESTATE FINANCING

Focused on $2 million+ loans. Smaller loan requests considered case by case.

Nationwide capital solutions for acquisitions, refinances, construction, land and complex real estate transactions. Experienced execution, creative capital and fewer headaches from first conversation through closing.

SUBMIT YOUR DEAL →EXPLORE CAPITAL SOLUTIONS

Contact Our Office

Hands-on guidance from initial deal review through closing.

Call Our Office · (631) 882-1728 Email Our Office · pmadvisorygroup@gmail.com

8–12% Interest Only

Indicative pricing for most deals.

2–4 Points

Transaction-dependent fees.

12–24 Months

Typical financing terms.

7–14 Days

Indicative closing timeframe; timing varies by deal.

Fix & Flip · 1–4 Units

80–90% of purchase price; 100% of rehab costs; not to exceed 65–70% of after-repair value (ARV).

Commercial Real Estate

65–75% of purchase price; 65–75% loan-to-value (LTV) on refinance.

Construction

Up to 85–90% loan-to-cost (LTC), depending on asset type.

Land

Up to 50% LTV for raw land, entitled land and land development.

Indicative program guidelines. Rates, fees, leverage and timing vary by property, borrower and transaction. Subject to underwriting, due diligence, lender approval and final documentation. No commitment to lend or guaranteed closing timeframe.

BRIDGE • ACQUISITION • CASH-OUT REFINANCE • CONSTRUCTION • LAND & DEVELOPMENT • SPECIAL SITUATIONS

SELECTED CLOSED TRANSACTIONS

Real estate. Real execution.

A selection of transactions from our closing portfolio.

$3.9 millionMultifamily acquisition · Bronx, NY

Closed through PM Advisory Group.

$4.9 million24-unit ground-up construction · New Jersey

Closed through PM Advisory Group.

$3 millionCash-out refinance · Long Island, NY

Closed through PM Advisory Group.

Past transactions do not guarantee future financing terms or results.

LOOK BEYOND THE HEADLINE RATE

Before you accept a term sheet.

The right questions can reveal more than the advertised rate. Compare the structure, the cash available and the conditions required to close.

What cash is available at closing?

Ask for a breakdown of the payoff, fees, reserves, holdbacks and net proceeds. The stated loan amount does not tell the whole story.

When is interest charged?

Confirm whether interest applies to the full commitment or only funded amounts, and review minimum-interest and prepayment provisions.

What must happen before funding?

Understand the underwriting conditions, appraisal requirements, third-party reports and documentation that could affect timing.

Have a Deal That Needs a Second Look? →

THE PMAG APPROACH

BIG DEALS NEED THE RIGHT CAPITAL.

Commercial real estate financing is rarely one-size-fits-all. PM Advisory Group helps borrowers and sponsors navigate the capital markets, structure the financing request and connect the transaction with capital that fits the deal. With 20+ years of industry experience, our focus is simple: understand the transaction, identify the obstacles early and help move the deal toward a successful closing.

SPEED

We understand that timing matters. We focus on realistic paths to capital and efficient execution.

COMPETITIVE CAPITAL

We evaluate structure, leverage, pricing and the overall capital stack—not just the headline rate.

CERTAINTY OF EXECUTION

Clear communication, experienced deal review and a practical understanding of what lenders need to close.

LESS RUNAROUND

One experienced relationship helping coordinate the financing process from opportunity through execution.

FINANCING SOLUTIONS

CAPITAL FOR REAL-WORLD DEALS.

Whether the opportunity is straightforward or complicated, we work to understand the story behind the real estate and structure a financing request that makes sense.

Bridge Financing

Short-term capital for acquisitions, maturities, transitions, repositioning and time-sensitive opportunities.

Acquisition Financing

Capital solutions for commercial and investment real estate purchases across a range of property types.

Cash-Out Refinance

Unlock equity, refinance existing debt or create liquidity for the next phase of a business plan.

Construction & Renovation

Financing for ground-up construction, substantial renovation, completion and value-add projects.

Land & Development

Capital for land acquisition, horizontal development and projects moving toward construction.

Special Situations

Transitional assets, complicated capital stacks, maturing loans and transactions that do not fit a conventional box.

NOT EVERY DEAL FITS IN A BOX.

THAT'S EXACTLY THE POINT.

Some of the best real estate opportunities come with a story. Maybe the property is still stabilizing. Maybe the loan is maturing. Maybe a bank moved too slowly. Maybe you need cash out, additional proceeds or a creative structure.

PMAG looks at the full transaction—sponsor, collateral, business plan, leverage, timeline and exit strategy—to help identify a workable capital solution.

Complex or transitional transaction

Tight closing timeline

Existing loan approaching maturity

Need for additional leverage or cash out

Construction or renovation still underway

Conventional bank financing is not the right fit

FROM OPPORTUNITY TO CLOSING

A clear path forward.

Start with the essentials. We help you understand the financing path and what is needed at each stage.

Share the transaction

Tell us about the property, requested loan amount, existing debt, business plan and timing.

Evaluate the options

We review the request, identify information gaps and discuss potential financing structures and next steps.

Coordinate toward closing

For a transaction that moves forward, we help coordinate lender requirements, due diligence and communication through closing.

Discuss Your Financing →

WHY PM ADVISORY GROUP

MORE THAN A LOAN. A CAPITAL STRATEGY.

The right financing is about more than finding a lender. It is about positioning the transaction correctly, understanding the available options and creating a path that supports both the immediate closing and the longer-term business plan.

20+ Years Experience

Real-world perspective developed through decades of private and commercial real estate finance.

Nationwide Reach

Access to lending relationships and capital sources for commercial real estate transactions across the United States.

Hands-On Advisory

We help package, position and communicate the transaction so capital providers can quickly understand the opportunity.

PRACTICAL ANSWERS FOR REAL ESTATE INVESTORS

Bridge and hard money financing questions.

Understand the structure before choosing the capital. Explore 100 borrower questions across our financing guides, with a focus on $2 million+ requests and smaller transactions considered case by case.

What is a commercial bridge loan?

A commercial bridge loan provides temporary financing while an investor completes a defined business plan, such as renovating, leasing or selling a property. The repayment plan should identify how the loan will be paid off at maturity.

Explore this financing guide →

What is the difference between hard money and a bridge loan?

The terms overlap in practice: hard money often describes private asset-focused financing, while bridge describes a temporary financing purpose. Compare specific costs, leverage, collateral requirements and exits rather than relying on a label.

Explore this financing guide →

How quickly can a commercial bridge loan close?

Timing depends on the appraisal, title, legal review, property diligence and completeness of the financing package. PMAG reviews the actual deadline before discussing a realistic closing schedule.

Explore this financing guide →

What documents are needed for a bridge loan review?

Begin with the property address, purchase contract or payoff, value estimate, rent roll, operating information, sponsor background and financing deadline. Additional documents depend on the property and transaction.

Explore this financing guide →

What costs should I compare in a private loan offer?

Compare interest, lender and advisory fees, legal and third-party costs, reserves, minimum interest, prepayment terms and extension charges. Focus on net proceeds and the expected cost over your actual holding period.

Explore this financing guide →

Does PMAG review smaller rehab loans?

PMAG's primary focus is financing requests of $2 million and above. Smaller business-purpose investment transactions may be reviewed case by case; submit the basic deal facts before incurring third-party costs.

Explore this financing guide →

Discuss Your Financing Request →Explore All Financing Guides →

HAVE A DEAL?

LET'S START WITH THE BASICS.

You do not need a perfect package to start the conversation. Tell us what you are financing, what you need and your timing. Our team can review the opportunity and determine the next steps.

$2MM+ FOCUS • NATIONWIDE
Smaller loan requests considered on a case-by-case basis.