From ground-up construction in the Research Triangle to refinancing a hospitality asset on the Outer Banks — US Capital Advisors has the lending relationships, expertise, and execution to close your next transaction.
When a property is in transition — whether it's a value-add acquisition, a lease-up play, or a renovation project — bridge financing provides the flexibility and speed that conventional lenders simply cannot match. US Capital Advisors structures floating-rate bridge loans tailored to your specific business plan and exit strategy.
Indicative terms — contact us for a customized quote
Indicative terms — contact us for a customized quote
Ground-up construction financing demands a lender partner that understands your construction schedule, draw process, and business plan in detail. US Capital Advisors works alongside NC developers to structure construction loans that sync with the project timeline — from initial draws through project completion and stabilization.
For stabilized income-producing properties, permanent debt is the cornerstone of an optimized capital structure. US Capital Advisors accesses the full spectrum of permanent debt capital — CMBS lenders, life insurance companies, agency programs (Fannie Mae, Freddie Mac, HUD), and regional banks — to source the most competitive long-term financing available for your asset.
Indicative terms — contact us for a customized quote
Indicative terms — contact us for a customized quote
When senior debt alone doesn't cover the full capital requirement, mezzanine debt or preferred equity can bridge the gap — maximizing leverage while preserving sponsor equity. US Capital Advisors works with a curated network of subordinate capital providers to structure the right gap financing solution for your deal.
For experienced NC operators and developers looking to scale their portfolios, US Capital Advisors connects sponsors with institutional and private equity capital through joint venture, preferred equity, and co-GP structures. Our equity placement relationships span family offices, pension funds, endowments, and private equity platforms.
Indicative terms — contact us for a customized quote
Indicative terms — contact us for a customized quote
For North Carolina business owners looking to purchase or construct the commercial real estate their business occupies, SBA programs offer unmatched leverage — up to 90% financing — at fixed rates over long terms. US Capital Advisors navigates the SBA process on your behalf, matching you with the right SBA lender for your deal.
US Capital Advisors has structured transactions across every major commercial real estate asset class throughout North Carolina and the Southeast.
Agency, CMBS, bridge, and construction financing for apartment communities of all sizes across NC.
Creative capital stack solutions for complex mixed-use projects blending residential, retail, and office.
Permanent debt, bridge loans, and equity arrangement for Class A through value-add office assets.
Hotel financing for branded and independent assets — from limited-service to full-service resort properties.
Anchored and unanchored retail, power centers, neighborhood retail, and net-leased single-tenant assets.
Warehouse, distribution, flex-industrial, and manufacturing facility financing across the Carolinas.
Medical office, senior housing, assisted living, and skilled nursing facility debt and equity solutions.
Bridge and permanent financing for self-storage assets from lease-up to stabilized institutional-grade.
A quick reference to our core lending programs. Every deal is unique — contact us for a customized quote tailored to your specific asset and business plan.
| Loan Type | Typical LTV / LTC | Term | Rate Type | Recourse | Best For | Status |
|---|---|---|---|---|---|---|
| Bridge Loan | Up to 80% | 12 – 36 months | Floating (SOFR+) | Non-recourse avail. | Value-add, Lease-up, Acquisition | Active |
| Construction Loan | Up to 75% LTC | 18 – 36 months | Floating | Full recourse typical | Ground-up Development | Active |
| Permanent (Bank) | Up to 75% | 5 – 10 years | Fixed / Floating | Full / Partial | Stabilized Income Properties | Active |
| Permanent (Life Co.) | Up to 65% | 10 – 25 years | Fixed | Non-recourse | Institutional-grade Assets | Select |
| Fannie Mae / Freddie | Up to 80% | 5 – 30 years | Fixed | Non-recourse | Multifamily | Active |
| HUD / FHA | Up to 83.3% | Up to 40 years | Fixed | Non-recourse | Affordable Multifamily, Healthcare | Active |
| Mezzanine / Pref. Equity | 65 – 90% (combined) | Co-terminus w/ Senior | Fixed / PIK | Non-recourse | Gap Financing, Leverage Enhancement | Select |
| SBA 504 / 7(a) | Up to 90% | 10 – 25 years | Fixed / Variable | Full recourse | Owner-Occupied CRE | Active |
A streamlined, transparent process with dedicated senior advisor support at every stage — from initial inquiry through funding.
Submit your deal online. We review property type, location, loan size, and business plan within 24 hours.
We generate competitive term sheets from our 100+ capital source network within 3–5 business days.
We present all options and guide you on rate, terms, and lender credibility to select the best fit.
Our team actively manages the diligence and underwriting process — resolving issues before they arise.
We coordinate with attorneys, title, and lenders to ensure a seamless, on-time closing every time.
Submit your loan request today and receive competitive term sheets from our network of 100+ capital sources within 3–5 business days. No obligation, no upfront fees.