Multifamily
Income-producing residential properties assessed through occupancy, rent rolls, operating history and the ownership structure.
Property. Capital. Perspective.
Commercial Real Estate Lending
Explore commercial real estate loans for property acquisition, refinancing and a defined next stage of ownership. Motenza Capital helps evaluate the opportunity and potential capital sources around the property, the sponsor and the plan.
Business-purpose enquiries. Subject to provider review and availability.
What we finance
Start with the asset.
Property categories for individual review. Eligibility, location and available structures depend on the transaction and the participating capital provider; inclusion here does not guarantee financing.
Retail
Commercial storefronts and shopping properties, with attention to tenancy, lease terms, location and cash flow.
Office
Owner-occupied and investment office properties reviewed around business use, leasing and the local market.
Industrial
Warehouses, logistics facilities and light-industrial buildings evaluated for use, access, condition and income.
Mixed-Use
Properties combining commercial and residential uses, with each income stream and occupancy profile considered.
Hospitality
Hotel and hospitality property enquiries require a closer look at operating performance, management and seasonality.
Loan terms
The property sets the conversation.
Loan amounts, pricing, leverage and timing are assessed individually. Any proposal is subject to underwriting and the final written financing documents.
- Loan amount
- Transaction-specificBased on the property, requested financing and provider criteria.
- Loan term
- Aligned with the planThe proposed term depends on the use of funds and repayment strategy.
- Loan-to-value
- Set after valuationLeverage is determined through property and borrower underwriting.
- Closing timeline
- Confirmed after reviewSubject to documentation, third-party reports and closing conditions.
No universal rate, LTV, minimum or maximum amount is advertised. Ask for a transaction-specific review before relying on financing availability.
Why private lending
A different route. The same need for a sound plan.
For borrowers exploring hard money commercial loans in Florida or commercial bridge loans in Miami, the useful question is which structure fits the property and its exit strategy.
Private capital can be one route. Conventional and other institutional options may also merit consideration.
Explore the commercial financing overviewA focused review
A private CRE lender may be able to assess a defined transaction on a different timeline from a conventional bank. Actual timing depends on the lender and completed diligence.
Structure around the property
Discuss a purchase, refinance or transitional requirement in the context of the asset, available equity and a credible repayment or exit plan.
A clearer starting point
Begin with the transaction summary. Required financial, property and legal documents follow the selected provider’s process; private financing is not no-document financing.
Compare the full commitment
Evaluate interest, fees, reserves, guarantees and extension terms together. Flexibility can carry a higher cost, and a bridge loan needs a realistic exit.
The Federal Reserve’s July 2026 bank lending survey reported some easing in commercial real estate lending standards, while standards remained relatively tight in a longer historical comparison. Its September policy decision also underscores the importance of testing financing costs rather than assuming a lower-rate refinance. Our view: a credible CRE plan should connect current property cash flow, required equity, total financing cost and a realistic exit. A proposed bridge deserves particular scrutiny where repayment depends on future leasing, a sale or refinancing.
Sources: Federal Reserve, July 2026 SLOOS; September 16, 2026 FOMC statement. Motenza’s commentary is general information, not a rate quote, forecast or financing commitment.
Frequently asked questions
Know what comes next.
How quickly can a commercial real estate loan close?
Timing is confirmed after the property and financing request have been reviewed. Appraisal, title, environmental review, insurance, borrower documentation and the provider’s closing requirements can affect the schedule. An initial conversation or preliminary review is not a commitment to close by a particular date.
What does a borrower need to provide?
Start with the property location and type, purchase or refinance purpose, requested amount, ownership entity and intended repayment plan. A provider may then request financial statements, rent rolls, leases, a purchase contract or payoff statement, an improvement budget and information about the sponsor’s experience and liquidity. Do not send Social Security numbers, bank credentials or sensitive documents through the enquiry form.
Which locations and property types are eligible?
Motenza Capital is based in Miami, Florida. Eligibility is confirmed individually for the property location, intended use, transaction structure and participating provider’s requirements. This page does not promise availability in every state or for every property type.
What loan-to-value ratio and loan terms are available?
There is no published universal loan-to-value ratio, rate, loan amount or term for this service. The applicable provider determines the proposed terms after reviewing the property value, cash flow, sponsor, equity and transaction risks. Final written documents govern any financing offered.
Does Motenza Capital provide the financing itself?
Motenza Capital is a trade name of IMG Business Consulting LLC, a commercial capital solutions company, not a bank. Depending on the transaction, Motenza may help evaluate financing options and coordinate access to private, affiliated or independent capital sources. Any participation by another party is subject to applicable agreements. The actual funding entity is identified in the transaction documents and makes its own approval and funding decisions. An enquiry does not guarantee an offer or funding.
Let’s discuss the property
A clear brief. A considered next step.
Tell us what you are planning. Our team can help identify the information needed to review the opportunity.
Ready for the full secure application?Our role and your financing
Motenza Capital is a trade name of IMG Business Consulting LLC and is not a bank. Depending on the transaction, Motenza may help evaluate financing options and coordinate access to private, affiliated or independent capital sources. Any third-party participation is subject to applicable agreements. The entity identified in the final financing documents is the actual provider of capital and determines its own eligibility, underwriting, terms and funding decisions. This page is for business-purpose enquiries; it is not a loan offer, commitment to lend or guarantee of approval.
Read the Funding Disclosure