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  • Investor Cap Solutions
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Long-Term Rehab Loans: Financing Major, Non-Flip Renovations

Investor Focus

This solution is designed for investors owning stabilized commercial assets (multi-family, retail, industrial) that require significant, non-cosmetic renovation or repositioning, but do not fit the short timeline of a Fix and Flip loan. 


Key Program Feature

Permanent Debt Solutions for Substantial Property Renovation   


Avoid Short-Term Cost:    

Unlike Hard Money or Bridge loans, we embed the renovation costs directly into a long-term conventional or permanent debt structure. This avoids the high interest rates and short maturity deadlines associated with short-term capital.    


Fund Stabilized Assets:   

Ideal for assets that maintain partial occupancy during renovation, allowing you to gradually enhance value while minimizing disruption.         


Structured Funding:   

Funds are held in escrow and disbursed based on verified construction milestones, similar to a new construction draw process, ensuring accountability and timely releases.     



Our Advisory Advantage: Integrating Renovation.

Managing a major renovation within a long-term loan requires specific expertise. We structure your financing to minimize the costs of capital while the asset is undergoing substantial improvement.

  • Cost Efficiency: BCF developed a plan to assist with placing renovation funds within the permanent debt structure, allowing you to avoid the expensive, high-interest rates of short-term construction financing.
  • Draw Protocol: We establish clear, strict draw schedules and communication channels between the lender and your construction team, guaranteeing funds are released promptly upon verification of milestones.
  • Stabilization Focus: The loan is underwritten with the future stabilized value in mind, ensuring the loan size and structure support the full income potential of the asset post-rehabilitation.

Ready to Fund Your Property Upgrade?

   Don't let renovation costs drain your short-term capital. Contact BCF Commercial Capital to integrate your rehab budget into a stable, long-term financing solution. 

Start Your Confidential Application

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