Legacy25 Capital – Debt Advisory & Consultation
Legacy25 Capital is a boutique debt advisory firm specializing in customized financing solutions across real estate, aircraft, life insurance, and various capital needs. With loan sizes ranging from $1 million to $100 million+, we assist individuals, family offices, and business owners in securing best-in-class capital for acquisitions, refinancing, and other strategic financial objectives. Our team’s 15+ years of expertise, investments in advanced technology, and access to 7,000+ lenders nationwide ensure that our clients receive tailored solutions to meet their short-term and long-term financial goals.
Why Choose Legacy25 Capital?
Expansive Lender Network:
Relationships with 7,000+ lenders, including banks, credit unions, life insurance companies, agency lenders, private capital, and family offices.
Customized Loan Structuring:
Leveraging cutting-edge technology to optimize pricing and loan availability for our advisory clients.
Expert Negotiation:
Led by a founder with $1B+ loan origination experience, our team ensures the best possible loan structures and terms.
Competitive Financing Process:
A discreet, fee-based advisory platform delivering the most favorable terms in the market.
Balance Sheet Restructuring:
Strategic analysis of assets and liabilities to maximize financial efficiency.
Lender Compliance Support:
Post-loan advisory to ensure covenant compliance and lender satisfaction.
Institutional-Level Financial Preparation:
Providing high-quality personal financial statements and CRE schedules to strengthen client positioning.
Exclusive Fee Discounts:
Advisory-based platform offering discounted loan fees (over 50% lower than industry standard).
Certainty of Closure:
Extensive pre-screening and negotiation processes ensure successful loan placements with optimal pricing, leverage, and certainty of execution.
Debt Advisory vs. Loan Brokerage
Unlike traditional loan brokers who focus solely on transactions, Legacy25 Capital acts as a strategic financial partner, optimizing debt structures to align with clients’ long-term financial strategies. By outsourcing debt advisory to industry experts, clients benefit from superior financing solutions at a fraction of the cost of hiring in-house financial personnel.
By Your Side Every - Step of the Way
The commercial lending environment is constantly evolving, and our team at Legacy25 Capital will help streamline this process on your behalf. When clients are on our Debt Advisory platform, we work by their side beyond just closing a transaction. This life-of-loan service means we can offer a single point of contact who can help you originate, negotiate, close, and be there throughout the term of the lending relationship for ongoing servicing requirements of your lenders. Our structured approach ensures seamless financing execution and helps to give you back your time.
Onboarding Process
Client Discovery
We interact closely with our clients in the early stages to ensure we are aligned and establish proper expectations. Our team of specialists will work to understand the clients' objectives, provide market insight, obtain initial financials for review, and begin to onboard the clients with Legacy25 Capital.
Prepare Loan Package
Our team will work diligently to integrate the financial information received and begin to reach out to our national platform of lenders that we designate are best suited to meet the goals and objectives of your request. Our company's investment in the most up-to-date technology allows us to obtain lender feedback quickly and consolidate that information for our clients' review and ultimately get a summary of terms from various lenders for consideration.
Negotiation
We want to put you in a position where lenders are competing for your business! During this stage of the process, we will competitively negotiate on your behalf and work to finalize a term sheet/commitment letter from the lender we are moving forward with into final underwriting.
Final Underwriting
Our team will collaborate closely with your chosen lender to facilitate the closing process, ensuring they receive all necessary information to comply with their credit underwriting policy guidelines and secure approvals from loan committees. We aim to simplify and streamline the procedure by providing each lender with their specific underwriting requirements, thereby enabling them to expedite their approval process.
Approval
Once the loan is approved by the lender, we will coordinate with the borrower, lender, and all other 3rd parties such as title companies, attorneys, brokers, and consultants. Our extensive experience in closing $1B+ loans provides you with the benefit of having a team that has the know-how to get things across the finish line.
Loan Servicing
We will serve as a consistent point of contact and intermediary between you and your lender. Every lender has various ongoing reporting requirements, and we will help manage that reporting in a timely manner to help keep your loan in compliance and provide timely reporting to lenders, which is typically a requirement in the loan documentation. By having a consistent point of contact, this alleviates a lot of headaches for our clients on the Legacy25 Advisory platform and ultimately our lenders.
Loan Maturity & Payoff
Our team will proactively evaluate options to determine the best course of action for renewing, refinancing, paying off, or potentially selling a property before its maturity date. This proactive approach is essential as Legacy25 Capital will be working on behalf of the client to prevent last-minute situations with limited and non-ideal options regarding their outstanding loan. This process includes early prepayment negotiations and payoff estimations.