Debt /Equity and Real Estate Joint Venture Program
United Financial Group Joint Venture investors will invest up to 90% of the equity capital. The financing structure
will combine equity and debt. We will review all property types, we prefer 50% pre-leasing required for new
retail construction. Types of property: Office or Mini self storage. Retail. Industrial. Multifamily 5 units and
above. Loan amount $3 million to $75 million per property. Over 100 million available for special strategic
alliances.
United Financial Group Funding Solutions has the experience and expertise to help the investor introduce Equity or Joint
Venture capital into their real estate investment. With our numerous strategic alliances in the private real estate
investment arena, United Financial Group Funding Solutions can provide solutions for multi-tiered capital structures including
recapitalization, refinance and restructure of over-leveraged assets. In addition to United Financial Group's Funding Solutions
direct access to Private Institutionally owned capital, we also have our own in-house United Financial Group Funding Solutions
available for debt or equity projects with experienced and successful investors.
Loan Sizes: $3 million to $250 million
Key Components when evaluating opportunities:
• Management team/Sponsor- History and Experience
• Growth potential
• Ability to create value and cash flow
• Cash equity/capital invested by Sponsor’s
Sources for non-traditional debt equity capital:
• Institutional
• Investment Banks
• Private Equity/Hedge Funds
• REIT’s
• Offices
• Multi-families
• Student Housing
• Flagged Hotels
• Top tier development projects
• Distressed Loan Portfolios
• Acquisitions, Refinances and Recapitalizations
Lien position
JV Investments are secured by short term notes, and 1st lien position.
LTV AND Equity Contribution
JV equity contribution range from 80-100% based on the Project size, equity position, we
typically offer 100% for Construction, due to higher equity return, and 80% for Income
Producing properties. JV takes a back seat role and client will run day to day operation, with
minimum oversight and sight visits
Terms
Terms are flexible; we offer 1, 3, 7 to 14 years. No payments during terms and no prepay
penalty after 3 years. Penalty range from 10-15%. For first 3 years. Fees generally range
from 6-8 points. Our minimum loan amount is $5mm, but $3mm case by case, we prefer 10
Million through 500 Million.
Construction Projects
Construction projects, on the first draw, will pay off all existing liens, or purchase price, and
we can allow up to 50% of the construction budget and remaining 50% split with PHASE II
AND III. For exiting properties, we will fund the full amount. All closing points are included in
funding amount.
Exception: JV may work with Construction Clients, and allow a smaller cd account, example,
on a 50 million construction PROJECT; we can split the loan deposit, 25 million, and CD
account for 2.5 Million for Phase I of the project.
Closing
Once the funding agreement is executed, the attorney will draw up docs for operating
agreement, and LLC formation. Client will be ordered to PROVIDE THIRD PARTY reports,
(BPO, Feasibility, Appraisal, Tax Returns, P/L) JV will consider all existing reports. CLOSING
CAN GENERALY OCCUR within 45 days, based on the cooperation from all parties. . We will
not promise a faster closing due to holidays and current work load.
Payoff
Borrower will require to pay off debt, plus pay 40% of the existing equity, and 40% of all
sales, net proceeds, net profits. etc.
Requirements
To get started we need UNITED Loan submission form, executive summary, business
and owner financials (PFS), proof of 10% LIQUIDITY, exiting appraisals or BPO with current
and completed value, Resume or Management Company Resume, exit plan, 24 months
Performa. We need to see 15-20% return, plus a strong dti service of 1.5%. JV Underwriters
will determine the profitability of the project and current real estate market.
: toll-free 855-860-3863
: newloans@unitedfinancialgroup.us
: 1 Market Street San Francisco, CA
United Financial Group and its diversified network of lenders have the resources and capital to provide the best financing solutions for our clients. United Financial Group has long-lasting lending relationships with its network of direct lenders that is comprised of life insurance companies, banks, and conduits. Our lenders provide United Financial Group with limitless capital sources and enable us to provide our clients with a broad range of highly competitive retail financing options and loan products. United Financial Group is not a licensed Lender or Investment company, we are registered and bonded for professional services and placement of financial services.
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