Discover How SF Capital Delivers Competitive CRE Loans with Risk Mitigation Built In

In today’s dynamic commercial real estate (CRE) market, securing financing that balances attractive rates with smart risk management is more important than ever. That’s where SF Capital stands out.

As a direct life company correspondent, SF Capital offers a streamlined path to commercial real estate loans backed by institutional lenders. Our unique position allows us to deliver interest rates as low as 1.3% + UST for deals that underwrite to CM1—a benchmark of top-tier credit quality.

What Sets SF Capital Apart?

1. Direct Access to Life Company Capital
SF Capital works directly with life insurance companies. This means fewer intermediaries, faster decisions, and access to capital that’s patient, stable, and competitively priced.

2. CM1-Qualified Deals Get the Best Rates
Loans with strong fundamentals— 1.5x debt service coverage, quality assets, and strong sponsors— unlock some of the lowest rates in the market, starting at just 1.3% over the U.S. Treasury.

3. Risk Mitigation Solutions Built In
We don’t just lend—we help you protect your investment. Our life companies mitigate risk by providing fixed rate loans with no occupancy or debt service covenants, extension options without hurdles, or loans without personal guarantees.

4. Customized Loan Structures
Whether you're financing a stabilized asset, a transitional property, or a new development, we tailor loan terms to fit your business plan. Fixed or floating rates, flexible prepayment options, and creative structuring are all on the table.

Who We Serve

• Institutional investors

• Private equity firms

• Family offices

• Developers and owner-operators

Whether you're acquiring, refinancing, or repositioning, SF Capital is your partner in navigating the complexities of CRE finance with confidence.

Let’s Talk
If you're exploring financing options for your next commercial real estate project, connect with SF Capital today. Our team is ready to structure a solution that aligns with your goals—and your bottom line.