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    Special situations

    Transactions with moving parts are our specialty. Here is how the most common situations are structured.

    Speak with us: (347) 824-5851

    Existing MCA debt

    Can you get a real estate or SBA loan if you have merchant cash advances?

    Yes, if you own real estate or meaningful equipment. The loan has to be sized to pay the advances off at closing. Lenders worry about MCAs because daily or weekly payments drain cash flow, and balances can change right up to closing.

    How it gets solved
    1. Get current payoff letters for every advance.
    2. Use your building or equipment as collateral, not your daily revenue.
    3. Plan for payoffs changing near closing so the deal doesn't break at the table.
    USDA B&I guaranteed loanClosed

    From MCAs and a tax lien to a $6.75M USDA loan for a rural industrial contractor

    Loan amount
    $6,750,000
    Property
    Industrial
    Location
    Louisiana
    See my optionsFull guide
    Existing MCA debtHow stacked MCAs affect approval, why lenders worry, and how to build the payoff into a longer-term loan.How it gets solvedAppraisal came in lowWhy lenders size loans off appraisals and cost basis instead of your number, how often it happens, and what to do about it.How it gets solvedNo certificate of occupancyWhy a missing CO kills many loans, when it doesn't matter, and which kinds of lenders will still lend.How it gets solvedCredit scoreWhich loan types care about your FICO, which care more about the property, and what scores move pricing.How it gets solvedTax returns show a lossWhy bank and SBA lenders decline on weak tax returns, and the asset-based and bridge-to-SBA alternatives.How it gets solvedUnfinished buildingWhy standard loans won't touch partially built property and how construction-completion loans work.How it gets solvedIndustry gets declinedWhy some industries trip lender exclusions, how wording can cause a decline, and who still lends.How it gets solvedIRS or tax lienHow tax liens affect a new loan and how to pay off or subordinate them at closing.How it gets solvedKeeping a low-rate firstSecond liens, junior revolvers and their limits: when your existing lender's consent matters and who will sit in second position.How it gets solvedRural propertyWhy rural property gets declined or lower leverage, and the lenders and programs built for it.How it gets solvedLender backed outWhy late fall-throughs happen and how to re-place a deal without starting over.How it gets solvedRaw landWhy land loans are scarce and low leverage, and how cross-collateral and a development plan help.How it gets solvedLoan is too small for lendersWhy low-dollar or low-leverage requests get turned down and how to make them work.How it gets solvedLimited track recordReal quotes showing how one lender's experience tiers moved a rate from 9.00% to 11.75% on the same property.How it gets solvedSBA occupancy ruleHow SBA measures owner occupancy on mixed-use buildings, and what happens when you fall short.How it gets solvedAppraisal split with equipmentHow an appraisal's split between real estate and FF&E can block USDA or SBA and change your capital stack.How it gets solvedClaim on the titleHow an affidavit of contract or similar recorded claim stops a loan, and how it gets cleared.How it gets solvedNYC short-term rentalHow NYC's short-term rental law and your building's CO class affect refinancing.How it gets solved
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