Bridging the Gap
As traditional lenders retreat, alternative credit is uniquely positioned to step in. Offering disciplined capital deployment with strong collateral and structural downside protection.
LJI-Consulting is uniquely positioned to assist clients in selecting their optimal lender
Real Estate Bridge Loans
Lender Characteristics
- Minimum Size: $10 – $75MM
- Strong independent sponsors
- Experienced management teams with a history of value creation
Loan Structures
- Senior Secured Loans
- Mezzanine Loans
- Pref Equity – Selectively
Loan Types
- Pre-development
- Repositioning
- Lease-up risk
Industry Sectors
Multifamily
Industrial
Retail
Hospitality
Office –
Selectively
Selectively
Asset Backed Corporate Loans
Lender Characteristics
- EBITDA $500K – $15 Million
- Companies with recurring revenues, free cash flow and consistent historical financials
- Experienced management teams with a history of value creation
- Significant asset base or predictable cash flows to support the loan
Loan Structures
- Senior Secured First Lien
- Mezzanine Loans w/ Personal Guarantee
Loan Types
- Equipment Loans
- Revolving Credit Facility
- Bridge Loan
- Term Loan
Industry Sectors
Industrials
Manufacturing
Energy
Healthcare
Business Services
LJI Consulting
Flexible Lending Solutions
Strategic financing options across real estate bridge loans and asset-backed corporate lending.
Real Estate Bridge Loans
- Minimum Size: $10 – $75MM
- Strong independent sponsors with demonstrable track records
Loan Structures
Senior Secured Loans
Mezzanine Loans
Pref Equity – Selectively
Loan Types
Pre-development
Repositioning
Lease up risk
Industry Sectors
Multi Family
Industrial
Retail
Hospitality
Office – Selectively
Asset Backed Corporate Loans
Lender Characteristics
- EBITDA $500K–15 Million
- Companies with recurring revenues, free cash flow and consistent historical financials
- Experienced management teams with a history of value creation
- Significant asset base or predictable cash flows to support the loan
Asset Backed Corporate Loans
Loan Structures
Senior Secured First lien
Industry Sectors
Industrials
Manufacturing
Energy
Healthcare
Business Services
The LJI Consulting Edge
Unbiased access to a curated lender universe — paired with custom capital architecture designed for your specific transaction.
Independent Lender Network
Direct relationships with specialty lenders — from private-credit funds to senior-secured loan desks across the market.
Custom Architecture Design
Structures from $10M–$75M: bridge, mezzanine, and asset-based facilities — tailored to your asset profile and timeline.
Speed & Flexibility
Rapid lender introductions with most deals moving from term sheet to funded in 45 business days or fewer.
Risk‑Adjusted Pricing
Negotiate competitive terms — SOFR + 600–900 bps or fixed-rate equivalents — ensuring cost-effective, market-aligned capital.
Real Estate – Lending
MARKET DISLOCATION
$150B Funding Gap: Maturing Debt vs. Available Capital
Banks are retreating from CRE lending, leaving non-banks to finance and refinance a rapidly growing wall of maturing debt.
CRE Lending ($ in Billions)
CRE Funding Gap(1): New Debt Availability vs.Maturities ($ Billions)
Private credit is positioned to fill the funding gap with meaningful downside protection.
Sources: Federal Reserve Bank of St. Louis, Houlihan Lokey, MBA, Neuberger Berman, Principal Asset Management
Real Estate – Lending
Market Dislocation
$150B Funding Gap: Maturing Debt vs. Available Capital
Banks are retreating from CRE lending, leaving non-banks to finance and refinance a rapidly growing wall of maturing debt.
CRE Lending
($ in Billions)CRE Funding Gap(1): New Debt Availability vs. Maturities
($ Billions)
Private credit is positioned to fill the funding gap with meaningful downside protection.
Sources: Federal Reserve Bank of St. Louis, Houlihan Lokey, MBA, Neuberger Berman, Principal Asset Management
Corporate – Lending
Addressing the Funding Gap – Small to Medium Sized Business
Regulatory changes and higher capital requirements continue to constrain traditional bank lending, especially for small and lower-middle-market companies.
- Companies seeking $500K–$10Million in financing often face a meaningful funding gap
- This gap creates an opportunity for flexible private credit solutions
Private lenders often occupy the middle ground between traditional bank/SBA financing and MCA products—providing significantly faster execution than SBA loans while offering substantially lower costs and more structured repayment terms than MCAs.
Financing Type
Private Lending
SBA Lending
MCA Financing
Main Advantage
Speed & Flexibility
Lowest Rates & Longest Terms
Immediate access to Capital
Main Drawback
Higher cost than SBA loans
Slow approval & Funding process
Highest Cost and daily repayment burden
| Factor | Private Lenders (Direct Alternative) | SBA Loans | MCA (Merchant Cash Advance) |
|---|---|---|---|
| Best For | Growing Business needing fast capital | Established Businesses | Business needing immediate capital with limited options |
| Typical Loan Size | $500k-$50 Million | Max - $5 Million (SBA 7a) | $5K - $500K |
| Funding Speed | 3 weeks – 6 weeks | 6 weeks -3 months | 24-72 Hours |
| Borrower Credit requirements | Flexible - FICO Scores +600 | Strong credit | Less emphasis on credit score |
| Documentation | Moderate | Significant | Minimal |
| Revenue | Moderate to strong cash flow | Strong Financials required | Consistent Credit card sales or deposits |
| Interest/cost | Moderate (8%-20% depending on risk) | Lowest rates available | Highest cost: Factor rates (40%-150%) |
Corporate – Lending
Addressing the Funding Gap – Small to Medium Sized Business
Regulatory changes and higher capital requirements continue to constrain traditional bank lending, especially for small and lower-middle-market companies.
- Companies seeking $500K–$10 Million in financing often face a meaningful funding gap
- This gap creates an opportunity for flexible private credit solutions
Private lenders often occupy the middle ground between traditional bank/SBA financing and MCA products— providing significantly faster execution than SBA loans while offering substantially lower costs and more structured repayment terms than MCAs.
Financing Type
Private Lending
SBA Lending
MCA Financing
Main Advantage
Speed & Flexibility
Lowest Rates & Longest Terms
Immediate Access to Capital
Main Drawback
Higher cost than SBA loans
Slow approval & funding process
Highest cost and daily repayment burden
| Factor | Private Lenders (Direct Alternative) | SBA Loans | MCA (Merchant Cash Advance) |
|---|---|---|---|
| Best For | Growing business needing fast capital | Established businesses | Business needing immediate capital with limited options |
| Typical Loan Size | $500k-$50 Million | Max-$5 Million (SBA 7a) | $5K-$500K |
| Funding Speed | 3 weeks – 6 weeks | 6 weeks - 3 months | 24-72 Hours |
| Borrower Credit requirements | Flexible - FICO Scores +600 | Strong credit | Less emphasis on credit score |
| Documentation | Moderate | Significant | Minimal |
| Revenue | Moderate to strong cash flow | Strong financials required | Consistent credit card sales or deposits |
| Interest/cost | Moderate (8%-20% depending on risk) | Lowest rates available | Highest cost: Factor rates (40%-150%) |
Process Overview
From Inquiry to Capital Deployment
A disciplined, five-step process built for speed, transparency, and optimal outcomes — from first call to funded deal and beyond.
Discovery Call
Identify objectives, asset profile, and deal timeline.
Capital Blueprint
Draft a lender-ready package — term sheet, covenant matrix, and supporting documentation.
Targeted Outreach
Match with the optimal subset of lenders based on mandate fit.
Negotiation & Structuring
Secure pricing, covenants, and draw schedules with strict client focus.
Closing & Stewardship
Execute funding, then provide quarterly capital-structure reviews to adapt to market shifts.
Recent Transactions
Recent Transaction
$26 Million – Pre Development Loan – Bronx multifamily development loan financed by a large New York based real estate credit hedge fund
Recent Transaction
$33 Million – Repositioning Loan – Manhattan multifamily development financed by a large New York based real estate credit hedge fund
Pending Transaction
$35 Million – Pre Development Loan
$12 Million – Repositioning Loan – Corporate Venue/Hospitality –
