Overview
A lender-ready package compresses time-to-quote and time-to-close. Sponsors with clean financing memos, current SREOs, and complete sponsor files run bake-offs in 30 days; sponsors who go to market unprepared run them in 60. This hub aggregates the packaging pillar, readiness assessment, sibling Q&As, and glossary.
Why this matters
Diligence delays caused by missing or stale sponsor documents account for the majority of slippage between term sheet and closing. The lender's deal team is judging the deal partly on how organized the sponsor appears to be.
A complete file shifts the lender's perception from 'manage this deal carefully' to 'prioritize this deal'. That shift matters at credit committee.
How to use this hub
Start with the pillar for the framework. Run the readiness assessment 30 days before going to market. Drop into the Q&A library for specific packaging components. Reach the glossary for terminology.
Pillar guide
Sponsor-side tool
Sibling Q&As
What goes in a CRE financing memorandum?
A CRE financing memo includes deal summary, sponsor and key principal bios, property description, market context, business plan, financial summary.
What format should the schedule of real estate owned (SREO) use for a CRE loan submission?
An institutional SREO lists every property the sponsor owns or has an interest in, with ownership percentage, debt, equity, NOI, and contact for each lender.
What sponsor liquidity and net-worth requirements do CRE lenders typically apply?
Most institutional CRE lenders require sponsor net worth equal to loan amount and liquidity equal to 5% to 10% of loan amount, with documentation through PFS.
What is the difference between a key principal and a guarantor on a CRE loan?
A key principal carries underwriting weight (net worth, liquidity, experience); a guarantor signs the carve-out or recourse guaranty. Often the same person but.
Glossary
How we compare financing proposals from multiple lenders
How a CRE debt advisor coordinates lender outreach, compares financing proposals, and negotiates terms. Timing and results vary by transaction.
Commercial real estate debt advisory and sponsor consulting
Financing and analysis for acquisitions, development, refinancing and the decisions around them.
Tell us about the property and the financing you need
Send a commercial real estate financing request. Marshall Masterson replies within a timeframe agreed after reviewing the request with proceeds, structure and lender fit. Confidential.