Commercial Real Estate Lending For Brokers
AVANA CUSO partners with commercial real estate brokers who need a lender that respects the relationship — and actually funds complex deals.
We cover SBA 504 and conventional CRE in all 50 states. Your client stays protected, your fee is in the loan, and your reputation stays intact
Long-Term Relationships With Brokers
One Relationship, All Programs
One dedicated originator handles SBA 504 and conventional CRE. When your client’s deal evolves or needs two structures, you have one number to call — not a different desk for every product.
Thoughtful Structuring
Our originators work directly with you to align the financing structure with your client’s goals — especially on complex, multi-phase, or transitional deals that need more than a template
Clear, Broker-Inclusive Communication
You and your client stay informed at every step. We communicate in plain language, share practical next steps, and never leave you guessing where a deal stands
Relationship-Respectful Process
We work in a way that protects the relationship behind every referral. Your client is never contacted without your knowledge, and your introduction is on record from day one
Extra Capacity When Appropriate
For select opportunities, the broader AVANA platform can bring co-investment or loan participation solutions — adding capital capacity to deals that need it without changing your point of contact
Broker's Fee in the Loan at Closing
Your fee is structured into the loan from the start — no separate negotiation. It’s in the term sheet before underwriting begins.
Loan Programs We Support
SBA 504 Loan
SBA 504 is designed for eligible owner-occupied real estate and certain long-term business expansion needs, subject to SBA rules and lender requirements.
$1MM–$20MM+
Total loan size
Up to 90% LTV
85% special-use
CMT-based
Rate
- Terms: 10 yrs (AVANA) + 25 yrs (SBA debenture)
- Uses: Acquisition · Refinance
- Min. 680 FICO · 1.25× DSCR baseline
Conventional Term Loan
Financing structures commonly used for stabilized CRE (terms vary by property, borrower profile, and lender approval).
$1MM–$15MM
Total loan size
Up to 75% LTV
65% for franchised hotels and restaurants
CMT-based
Rate
- Uses: Acquisition · Refinance · Property Improvements
- Min. 680 FICO · 1.25× DSCR baseline
Real Estate Asset Types
Franchised hotels
Franchised restaurants
Industrial
Manufacturing facilities
Medical offices
Mixed-use
Multifamily
Retail
Self-storage
Warehouse
Required Documents
For an initial review, we typically start with a few core items. We will request additional documents during underwriting and closing.
- Borrower / entity basics: last year tax return or financial statement; trailing 12-month P&L + balance sheet
- Deal overview + ownership: executive summary/offering memo; organizational chart; debt schedule; rent roll (if applicable)
- Guarantor info (as applicable): personal financial statement + real estate schedule; personal tax returns; resume/bio
Collateral often includes a first-lien mortgage, with possible UCC filings, rent assignment, and escrows (subject to underwriting).
To see the complete qualification checklist and required documents visit AVANA Capital website
A Process Built for Brokers
01
Submit Your Deal
Property type, loan purpose, estimated value, and initial documents. Takes about 5 minutes
02
Receive Soft Quote
Your dedicated AVANA originator delivers preliminary terms in 24–48 hours
03
Structure Together
You stay on every call and email through structuring, commitment, and third-party reports
04
Close & Get Paid
We coordinate closing and escrow. Your broker fee is paid directly from loan proceeds at closing
Why AVANA CUSO
Credit Union Connectivity
We help connect qualified commercial real estate opportunities with credit unions and lending partners. Supporting lending relationships built for long-term alignment.
Operational Depth Across the Lending Lifecycle
Support spans origination through administration, servicing, participations, and portfolio monitoring.
Technology-Enabled Reporting and Workflow Discipline
Structured processes and reporting tools can help teams stay organized, informed, and audit-ready.
Proven Success Stories
Client Testimonials
David Stepanchak, SVP
George Smith Partners, Inc.AVANA CUSO continues to provide a much needed product supported by their ability to underwrite using common sense metrics.
