Our Financing Solutions
Acquisition Financing
The experienced team at IX Capital understands that time is of the essence when putting together a competitive offer for a commercial real estate acquisition. We provide swift and reliable access to capital that enables our clients to move quickly when an attractive opportunity arises. IX Capital has relationships with multiple capital sources allowing us to structure acquisition loans at competitive rates, leveraging preferred equity, mezzanine financing, and joint venture equity. We can provide high leverage bridge loans for portions of the capital stack along with flexible hold periods so sponsors can execute their business plan. Our acquisition financing is specially designed for commercial real estate investors looking to expand their portfolios with office, retail, industrial, multifamily, hotel, and other specialty assets. IX Capital is dedicated to being a value-add partner so you can focus your efforts on identifying the right opportunities.
Bridge Financing
IX Capital offers bridge loan financing that provides our commercial real estate clients with quick access to capital for acquisitions and repositioning projects until longer term financing can be secured. We understand the importance of speed and flexibility when opportunities arise and construction timelines are tight. That’s why we have an efficient underwriting process and can fund bridge loans in as little as 10 business days. At IX Capital you get reliable bridge loan financing along with competitive rates and terms tailored to your project needs. We can provide up to 85% loan-to-value with loan terms from 6 months to 3 years. Our bridge loans can be used for the acquisition, renovation, or redevelopment of commercial properties including office, industrial, retail, multifamily and hotel assets. Let the bridge and short-term loan experts at IX Capital provide you with customized financing options so you can move rapidly to secure prime investments.
Construction/Rehab Financing
IX Capital offers competitive construction and rehabilitation loans tailored to commercial real estate investors and developers. We provide financing for ground-up construction, tenant improvements, capital improvements, property repositioning and more. With over $500 million deployed solely for construction projects, our team has specialized expertise in this type of financing. We understand the details and challenges of rehabbing commercial real estate including realistic budgeting, managing delays, punch list completion, and finalizing permits. IX Capital has relationships with multiple capital sources allowing us to fund projects efficiently with preferred equity, joint venture equity or high leverage mezzanine and bridge products. We offer flexible draw schedules and quick access to capital so you can move rapidly through the construction process. Our loan terms range from 18 months to 5 years with competitive pricing and rates.
Mezzanine Financing
For commercial real estate investors seeking an alternative to high-leverage senior loans, IX Capital provides flexible mezzanine financing solutions. Our mezzanine loans fill the gap between your equity contribution and senior debt to allow for more leverage, larger deals, and debt service coverage ratio flexibility. Structured as subordinate capital in the project’s capital stack, mezzanine debt from IX Capital gives borrowers more access to capital while limiting dilution of ownership and control. We offer both fixed and floating rate options as well as deferred payment structures. We have vast experience structuring these financing solutions for all commercial asset classes and project types. Because mezzanine debt is treated as equity by senior lenders, we can provide the last 20–30% of leverage needed to make a project economically viable or enhance overall returns.
Earnest Money Deposit Loans
An earnest money deposit loan for commercial real estate transactions, often referred to as a "due diligence deposit loan," is a type of short-term financing that provides buyers with the funds needed to cover the earnest money deposit required during the due diligence period of a commercial property purchase.
Here's how it works:
The due diligence period is a critical phase in commercial real estate transactions, during which the buyer conducts extensive research, inspections, and analysis to evaluate the property's condition, financials, and viability for their intended use. This process can be time-consuming and costly, making the earnest money deposit a significant upfront expense.
To address this challenge, we offer Earnest Money Deposit loans or (EMD Loans). These loans provide buyers with the necessary funds to cover the earnest money deposit required during the due diligence period, without having to tie up a substantial amount of their own capital.
We provide the buyer with the required amount, which is then deposited into an escrow account as part of the purchase agreement. The loan is typically short-term, lasting only through the due diligence period, which can range from several weeks to a few months, depending on the complexity of the transaction.
If the buyer successfully completes the due diligence process and proceeds with the purchase, the EMD Loan is typically credited towards the buyer's down payment. The buyer then repays the EMD loan to us prior to the deposit going hard with the seller.
However, if the buyer decides not to proceed with the purchase after the due diligence period, for reasons such as unsatisfactory findings or a change in plans, we have the ability to cancel the contract and request the earnest money deposit escrow returned to us to satisfy the loan.
Our Other Creative solutions
Land Lease Strategy
Our structured commercial land lease strategy offers a building owner long-term stability and control without the burden of upfront land acquisition costs. By structuring an upfront lease payment to the land owner or a third party investor that we arrange, the building developer retains rights to the land for effectively the entire useful life of new structures built on the site.
Collateral Rehypothecation
Our collateral rehypothecation structure allows financing providers to reuse pledged collateral from their clients for their own borrowing or lending purposes. This can be beneficial in high LTV (loan-to-value) financing situations where alternative sources of capital are required to raise proceeds beyond a client’s equity commitment.
JV Participation
Our joint venture (JV) participation structure allows real estate investors to partner with a development firm or operator that we arrange, benefiting from their real estate projects without full ownership commitment. By negotiating an equity stake through a participation agreement rather than outright property purchase, investors can gain fractional interests in potentially larger assets or portfolios that would otherwise require full ownership capital.