Retail Build-to-Suit Commercial Lending Program

Express Capital Financing has funded several projects since the recent launch of its build-to-suit commercial lending program. ECF is looking to identify and build strategic partnerships across all areas of the build-to-suit business; including with landlords, developers, franchise industry players, strong credit tenants with expanding real estate needs and with institutional investors that seek stable low duration assets with strong cash flow and low-risk exit profiles.

Moving Quickly

In many cases with franchises, speed is essential. That’s why we offer a fast pre-qualification process, and make an effort to make the closing and commitments happen quickly. We want you to have the funds that you need when you need them, which is why we promise not to waste your time.

Practical Parameters

As an investment in the long term health of your franchise, our loans can have terms of up to 25 years. Our rates start at 6%, and out LTV ratios can be as high as 90%. With no penalties for pre-payment, these custom tailored loans are an excellent way to help your business grow and succeed.

Uses and Applications

Our programs are particularly useful for first time franchise owners, and can be used for many different business applications. Get a loan to help you complete a real estate purchase or fund new construction; you can also apply these funds towards equipment purchases, remodeling, or acquisition of new locations. You can even use the money as working capital. We also offer a refinancing program to help you consolidate your debt.

Typical Terms

Loan Type Senior loans for purchase and construction of single and multi tenant retail properties
Loan Amount $1,000,000 to $15,000,000
Maximum Term 18 Months with 6 month extension
Amortization Interest Only
Origination Fee 1.5-2.5%
Loan to Cost Up to 100% of total project costs
Loan to After Repair Value 65-75% of fully appraised value upon rent commencement
Interest Rate 9-12% fixed
  • NNN executed lease
  • 10 years minimum
  • Strong public or private credit tenants
  • Single tenant preferred
  • Nationwide platform
  • In-place permits and licenses at closing
  • Builder completion guarantee
  • Interest reserves required

How To Start

We’re ready to help you out. Contact us today to learn more about our franchise financing programs.