Financing · Commercial
The asset services the debt, or the deal does not work.
Commercial financing is an underwriting exercise. Income, expenses, coverage, and exit are examined first; the structure follows from what those numbers permit.
What we arrange
Four commercial structures.
Acquisition
Permanent debt for stabilised income-producing assets, sized by debt service coverage and leverage rather than optimism.
Bridge
Short-term capital for transitional assets, with an exit defined before the loan is drawn.
Construction
Draw-based financing for ground-up and major repositioning, with contingency treated as a requirement.
Value-add
Capital paired to a business plan: the rent roll you inherit, the one you intend to build, and the gap between them.
How it is measured
Four numbers decide the outcome.
Asset classes we work across: multifamily, retail, office, industrial, mixed use, and land.
DSCR
Net operating income divided by annual debt service. The first test any lender applies.
LTV
Loan against value. Determines both pricing and how much equity the deal consumes.
Debt yield
NOI against loan amount. The measure that ignores rate and term entirely.
Exit
How the loan is repaid — sale, refinance, or amortisation — stated before the close.
Deal intake
Bring us the scenario.
Four short steps. Estimates are acceptable at this stage.
Step 1 of 4
Tell us about the asset.
Property type
Purpose
These results are estimates produced for educational and planning purposes from the figures you entered. They do not constitute lending, financial, investment, tax, legal, or real-estate advice, and they do not assess, indicate, or imply mortgage eligibility or approval. Only a lender can determine what you qualify for, and actual costs, rates, taxes, insurance, and fees vary by property, location, and transaction. Dolcebank does not issue credit decisions or guarantee loan terms. Commercial financing is arranged with third-party lending partners and is subject to their underwriting.