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Small Business Administration (SBA) is a US government agency that works with lenders to provide loans for small businesses. The 7(a) Loan program provides business owners with short and long-term working capital, refinance of current business debt, and purchase of furniture, fixtures, and supplies. The 504 Loans program provides long-term, fixed rate financing for acquisition or improvement of real estate asset. Loans are fixed for 7-25 years, amortizing up to 25 years. Apply Here.

Affordable housing developers can couple tax-exempt bonds with 4% Low-income Housing Tax Credits (LIHTC) for rental multifamily projects. 9% LIHTC credit is competitive and limited by states' allocation and are generally reserved for new construction and is intended to deliver up to a 70% subsidy. The 4% LIHTC credit is “as-of-right” (non-competitive) and is typically used for renovation projects utilizing at least 50% in federally tax-exempt bond financing and is designed to deliver up to a 30% subsidy. Apply Here.

There are financing options for investors making energy efficient improvements to their property. Namely, The Property Assessed Clean Energy (PACE) provides an affordable financing options for property owners to cover the costs of energy efficient construction upgrades, renewable energy, and climate reliant building features. The PACE program is financed through a property assessment against the subject property. Apply Here.

Mezzanine (“junior”) loans are second lien debt, subordinate to the senior loan on a property. Mezzanine debt can be used to gap or increase the debt leverage of a project capitalization, thereby reducing the Sponsor's required equity contribution amount. Apply Here.