Lending Specialties
Multifamily lending has been the core of Merchants Capital’s business model from the beginning. With extensive expertise and experience, our company was built to provide the best financial services to our clients and investors.
Affordable Housing
Merchants Capital is a leading multifamily lender offering a variety of loan products to accommodate construction, rehabilitation, acquisition, and refinancing of affordable multifamily housing throughout the country. Through its parent company, Merchants Bank, Merchants Capital can offer creative conventional short term debt products that will allow your project to qualify for long term, fixed rate, and non-recourse loans through FHA and the agencies. Merchants Capital is a Fannie Mae Affordable Lender, a Freddie Mac OptigoSM Targeted Affordable Housing (TAH) Seller/ Servicer, a Federal Housing Administration (FHA) MAP LEAN and LIHTC Pilot Lender, and a Ginnie Mae Issuer/ Servicer. Merchants Capital employs experienced affordable housing professionals that can customize the best financing solution for your affordable housing financing needs.
Multifamily Housing
Merchants Capital is committed to providing sound advice to our market-rate multifamily housing financing clients. With decades of multifamily industry experience, we leverage our multifamily housing industry knowledge to develop the best solution for your market-rate multifamily financing needs. We offer a variety of loan products to accommodate construction, rehabilitation, acquisition, and refinancing of multifamily housing throughout the country.
Senior Housing & Healthcare
Merchants Capital is a leading multifamily lender offering customized loan products for independent living, assisted living, memory care and skilled nursing projects. A variety of loan products are available to accommodate construction, rehabilitation, acquisition, and refinancing of healthcare properties throughout the country.
Balance Sheet Lending
Merchants Capital offers conventional bridge loans as an interim financing option providing borrowers the flexibility of a short-term loan for either acquisition or moderate/minor rehabilitation of stabilized assets. We offer a variety of bridge loan products to accommodate our borrower’s needs.
Loan Servicing
Merchants Capital not only operates to assist borrowers in determining and processing the best source of financing, we also service our borrowers’ loans. Our team of professionals specialize in managing the needs of our multifamily and healthcare facility loans, providing skilled expertise to our investors and borrowers. The servicing department has multiple responsibilities including the following:
- Annual Site Inspections
- Annual Financial Statement Review
- Annual Risk Reviews
- Annual Tax & Insurance Administration
- Replacement Reserve Escrow Administration
- Repair Escrow Administration
- Maintaining Appropriate Property Insurance
- UCC Filings
- Monthly Billings
- Investor Reporting
- Delinquencies and Defaults
- Construction Loan Administration