Predictable Long-Term Financing for Stabilized Commercial Assets
Securing the right long-term permanent financing is crucial for maximizing the profitability of your stabilized commercial real estate. Headquartered in Newport Beach, CA, Harbor Point Credit provides real estate investors with the reliable, long-term leverage needed to build and sustain predictable cash flow. We offer financing solutions for a diverse range of income-producing asset classes, including 5+ unit multifamily properties, retail centers, office buildings, and industrial flex spaces.
Our commercial permanent loans are structured to support your long-term growth with highly competitive rates. Whether you are acquiring a newly stabilized property or refinancing an existing asset in your portfolio, our team delivers a seamless, efficient underwriting experience. We dive deep into global cash flow and property fundamentals, providing term sheets in as little as 24 to 48 hours so you can execute your business plan with confidence.
Flexible Terms and Dependable Execution for Investors
We understand that every commercial portfolio has unique financial goals, which is why we provide a variety of tailored loan structures. Investors can choose from dependable 5, 7, or 10-year fixed-rate terms with 25 to 30-year amortizations, keeping monthly debt service manageable. For qualifying stabilized properties with strong in-place income and clean leasing histories, we also offer highly attractive non-recourse loan options, complete with standard “bad boy” carve-outs to protect your personal assets.
Our streamlined process is designed to close within 30 to 45 days, working efficiently through third-party appraisals, environmental reports, and property condition assessments. From the early years of the loan—where interest-only payments may be available—all the way to maturity, Harbor Point Credit provides the clear, reliable structure you need to protect and grow your commercial real estate investments.