FAQ’s

Legacy25 Capital is a structured finance advisory firm specializing in debt solutions and capital structuring for commercial real estate, aviation, and life insurance sectors. We provide tailored financing strategies to optimize pricing, leverage, and certainty of closure.

We work with real estate developers and investors, business owners and entrepreneurs, and institutional clients and financial sponsors. Our expertise spans senior debt, bridge loans, mezzanine financing, preferred equity, and joint venture structuring, ensuring customized solutions for complex transactions.

A debt broker primarily facilitates loans, while a debt advisory firm like Legacy25 Capital provides strategic guidance. We go beyond securing financing—we craft long-term capital solutions that align with each client’s financial objectives.

Our advisory-driven approach focuses on long-term financial success rather than one-off transactions. We have a nationwide lending network with access to over 7,000 lenders, providing best-in-class capital solutions. Our direct partnerships with key financial institutions ensure superior terms for clients. We offer deep expertise in complex capital structuring across multiple asset classes. With a proven track record and certainty of closure, we ensure seamless transactions.

We structure financing across the full capital stack, including senior debt, bridge loans, mezzanine financing, preferred equity, joint venture equity, and Co-GP equity.

Mezzanine debt is subordinate to senior debt, meaning it carries higher risk but allows for greater leverage. Unlike senior debt, mezzanine lenders may not require direct property collateral. These loans typically have higher interest rates due to increased risk exposure.

Preferred equity allows investors to receive priority returns while enabling property owners to retain operational control. It bridges funding gaps between traditional debt and common equity, offering flexible financing options.

Bridge loans provide short-term liquidity while awaiting permanent financing. They are commonly used for fast-closing acquisitions, value-add properties needing renovation, and stabilizing assets before transitioning to long-term financing. Bridge loans have higher interest rates but offer speed and flexibility for deals requiring immediate execution.

Contact us with details about your financing needs, and we will evaluate your financial objectives and recommend an optimal capital structure. If our advisory platform aligns with your goals, we will introduce it. Our team will guide you through underwriting, structuring, and lender negotiations.

Requirements depend on the loan type but often include collateral for senior debt and bridge loans, sponsor experience for JV equity and mezzanine financing, and underwriting documentation such as business plans, rent rolls, proformas, and financial statements.

Timelines vary by the type of loan, lender and the responsiveness in obtaining full underwriting package from our clients. Senior debt typically takes 30–60 days. Bridge loans range from 2–6 weeks. Mezzanine and preferred equity financing require 30–90 days, while JV equity can take 60+ days depending on partner due diligence.

Interest rate volatility influences borrowing costs and capital availability continues shifting toward alternative lenders. Property performance metrics such as NOI growth, absorption rates, and economic occupancy impact financing terms.

Yes, we guide clients through agency lending options, securing favorable terms via Fannie Mae and Freddie Mac for competitive financing solutions. We also facilitate access to CMBS lenders for commercial mortgage-backed securities markets and institutional funds for structured financing options.