How We Match Your Loan to the Right Lender — and Why It Matters

Commercial Lending Strategy | Commercial Partners of Texas

When it comes to commercial real estate financing, not all lenders are the same. At Commercial Partners of Texas (Amerimort), we don’t just submit your deal to random lenders. Instead, we use a proprietary lender-matching system designed to find the best funding partner for your specific deal—based on property type, loan structure, risk profile, and your investment goals.

Lender Type	Best For
🏦 Banks & Credit Unions	Stabilized assets, lower cost, strong borrowers
🏢 Life Insurance Companies	Low leverage, Class A assets, long-term fixed-rate
🔧 Bridge Lenders	Value-add, lease-up, light construction
🏗️ Construction Lenders	Ground-up or major rehab projects
🧱 Agency (Fannie/Freddie)	Multifamily deals (stabilized or near-stabilized)
💼 Debt Funds	Flexible terms, higher leverage, faster closings

🎯 Why Lender Matching Matters

Choosing the wrong lender can kill a great deal. Whether you need speed, long-term pricing, or construction flexibility, aligning with the right lender type ensures:

• Faster approvals

• Better terms

• Fewer closing delays

• Long-term relationship value

That’s where our Deal Classification Process comes in.

🔍 How We Classify Your Deal to Match the Right Lender

We begin every loan request by analyzing key factors:

• Property type and location

• Stabilization status

• Loan purpose (acquisition, refinance, rehab, construction)

• Sponsor strength (experience, liquidity, credit)

• Exit strategy

Based on this classification, we match you to one of the six core lender categories:

🏦 Banks & Credit Unions

Best For: Stabilized assets, strong borrowers, conservative leverageBanks and credit unions are great for stabilized commercial real estate with in-place cash flow. They offer competitive rates and service-focused relationships, but may have strict underwriting and regional limits.

Typical Use: Office, retail, industrial, or multifamily with 90%+ occupancy and strong DSCR.

🏢 Life Insurance Companies

Best For: Low leverage, Class A assets, long-term fixed-rateLife companies offer some of the lowest rates in the market for high-quality assets. They prefer institutional-grade borrowers and properties with long-term stability and location strength.

Typical Use: Trophy multifamily, industrial or office in core markets, long-term hold.

🔧 Bridge Lenders

Best For: Value-add, lease-up, light rehab

Bridge loans are ideal for transitional properties that don’t yet qualify for conventional loans. These lenders move fast and fund deals based on potential—not just current income.

Typical Use: Office lease-up, multifamily renovations, retail re-tenanting.

🏗️ Construction Lenders

Best For: Ground-up or major rehab projects

From shovel-ready developments to major repositioning , construction lenders fund projects with solid plans, permits, and experienced sponsors.

Typical Use: Multifamily development, hotel builds, retail centers, industrial parks.

🧱 Agency Lenders (Fannie Mae / Freddie Mac)

Best For: Multifamily loans, especially stabilized or near-stabilized

Agencies offer high leverage, non-recourse options for qualifying multifamily properties nationwide. Excellent for long-term ownership or portfolio refinancing.

Typical Use: Workforce housing, stabilized apartments, affordable housing deals.

💼 Debt Funds

Best For: Flexible structures, higher leverage, fast closings

Debt funds provide creative financing solutions—ideal when time is tight or conventional lenders won’t step up. They offer flexible terms, higher LTV, and can structure around complexity.

Typical Use: Acquisitions with short due diligence windows, fractured condos, or recapitalizations.

🔗 Our Matching Process in Action

We use our Deal Champion Strategy™ to:

• Evaluate your deal profile

• Select the lender type with the best fit

• Tap into our national network of lenders

• Present your loan in a way that gets attention—and approval

No guesswork. No wasted time. Just the right lender for your deal.

📞 Let’s Match Your Next Deal

Whether you're financing your first multifamily or seeking a $25M bridge loan, we will align your deal with the right capital source.📍 Based in Houston, we serve borrowers statewide and nationwide.

Call us today at 832-607-1113 or📩 Start your request at amerimort.com/contact