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Factor Real Estate Finance

Boutique Real Estate Advisory

Unlock the potential of your real estate ventures with tailored debt and equity solutions from Factor Real Estate Finance. 

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60+

$5B+

250+

Years of CRE financing and debt placement

In completed transactions as of 2025

Completed transactions 

The Factor Difference

Factor Real Estate Finance is a boutique commercial real estate finance and advisory platform led by a seasoned team of industry professionals. Leveraging deep relationships across the capital spectrum, including banks, credit unions, life companies, private credit (Debt funds), agencies, CMBS, family offices, crowd funding, and private equity, we deliver white-glove financing solutions with best-in-market terms. 

We believe success is only borne through true partnership with our clients. Our differentiated approach combines institutional-grade execution, rigorous underwriting and a deep alignment with capital partners. 

Meet the Team

60+ Years

Of CRE financing and debt placement

$5 Billion

In completed transactions as of 2025

500+

Completed

transactions

Bespoke commercial real estate financing, tailored to you.

Image of two people walking together outside
Image of two people walking together outside

Debt & Equity
Placement

Factor specializes in debt and equity placement, utilizing deep relationships with capital sources and a thorough understanding of current market conditions.

Investment
Sales

As a leader in commercial investment sales, you can count on us to confidently market and expand your commercial and residential real estate property portfolio.

Mortgage
Banking

Factor’s highly respected financial experts have the extensive knowledge and skills to efficiently secure optimal and  affordable financing that matches your needs.

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Today's Rates

PRIME RATES

7.25%-

1 MO SOFR

4.24%-

3 MO SOFR

4.33%-

5 YEAR SWAP

3.38%-

10 YEAR SWAP

3.65%-

Last updated: October 9, 2025

PRIME RATES

7.25%-

1 MO SOFR

4.24%-

3 MO SOFR

4.33%-

5 YR SWAP

3.38%-

10 YR SWAP

3.65%-

Last updated: October 9, 2025

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At FACTOR, our reach extends well-beyond our primary office outside Washington, DC. Our established nationwide footprint and experienced team are certified to operate across plethora of Metropolitan Statistical Areas (MSAs). Our national and international experience has cultivated a vast network of local relationships that allow us to take on financing challenges consisting of virtually any size or asset type, no matter where the client is located. Our client-centered approach ensures that sponsors receive prompt responses to any transactional inquiries or concerns we ensure that our clients always have direct access to our best decision-makers.

National Reach. Local Perspective.

We operate nationwide with a proven track record across the country. Our experienced team offers a global view and strong capital relationships, allowing us to thoughtfully address even the most complex financing needs across asset classes. We take a client-first approach, delivering timely guidance and direct access to senior leadership to ensure clarity, confidence, and consistent execution from beginning to end.

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The X-Factor in Real Estate Finance.

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  • 2000 Pennsylvania Avenue NW
  • Washington, DC 20006
  • (571) 648-0033

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Banks

Bank Facade

Factor Real Estate Finance has cultivated robust relationships with national, regional, and local banks throughout the country, allowing us to offer a diverse range of capital solutions tailored to the unique needs of our clients. Whether it’s construction financing, bridge loans, or permanent financing, we have the expertise and connections to secure the best possible terms for your commercial real estate projects.

Our extensive banking network, combined with our meticulous attention to detail, enables us to craft customized financing solutions that optimize investment performance. We understand that every project is unique, and we are committed to delivering capital solutions that drive value and maximize returns for our clients. At Factor Real Estate Finance, your goals are our priority, and we are dedicated to helping you achieve them with the most effective and efficient financing strategies.

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Equity

Equity Financing

At Factor Real Estate Finance, we offer more than just debt solutions, we deliver comprehensive capital stack strategies, including equity placement, tailored to meet the distinct goals of each client. Our deep relationships with institutional investors, family offices, private equity firms, and high-net-worth individuals allow us to structure equity that complements our debt offerings, delivering a full-spectrum approach to commercial real estate financing.

Whether your project requires joint venture equity, preferred equity, or co-GP structuring, we leverage our network and market insight to align the right equity partners with your vision. Our experience spans all asset classes; multifamily, office, industrial, hospitality, and more, giving us the versatility to craft equity solutions that are as nuanced and dynamic as the deals themselves.

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Portfolio Analysis

Portfolio Analysis Financing

Portfolio Analysis is a critical process for real estate investors and managers seeking to optimize the performance, manage risk, and maximize the value of their real estate assets.  Our expertise and analytical tools will help you achieve a thorough understanding of your investments and align them with your long-term objectives.

Effective portfolio analysis begins with a detailed assessment of each asset within the portfolio. This involves evaluating the financial performance, operational metrics, and market positioning of individual properties. Our team conducts in-depth analyses of key performance indicators such as occupancy rates, rental income, operating expenses, and net operating income. By examining these metrics, we identify strengths and weaknesses in your portfolio, allowing you to make informed decisions about asset management, leasing strategies, and capital improvements.

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Derivatives & Hedging

Derivatives & Hedging Financing

Derivatives and Hedging are sophisticated financial tools used to manage risk, stabilize cash flows, and optimize investment returns in the real estate market. Whether you are a real estate investor, developer, or financial institution, our team provides tailored solutions to protect your investments and enhance your financial stability.

Derivatives, such as interest rate swaps, options, and futures, provide a means to hedge against unpredictable market conditions by locking in favorable terms or offsetting potential losses. Factor Real Estate Finance helps clients identify and implement the most appropriate derivatives strategies to manage their specific risk exposures and financial goals.

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Note Sales

Note Sale Financing

Note Sales are a powerful financial tool for both lenders and investors looking to manage risk, optimize capital allocation, or seize new investment opportunities in the real estate market.  Whether you’re a lender seeking to divest non-performing loans or an investor looking to acquire discounted notes with strong potential for value creation, our note sales services are tailored to meet your specific needs.

By selling notes, lenders can quickly convert illiquid assets into cash, which can then be redeployed into new lending opportunities or used to strengthen their balance sheets. For banks, credit unions, and other financial institutions, note sales are an effective way to manage portfolio risk, particularly in times of economic uncertainty or market volatility. Factor Real Estate Finance works closely with lenders to assess their portfolios, identify notes suitable for sale, and execute transactions that maximize value while minimizing disruption to their operations.

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Restructuring

Restructuring Financing

Restructuring is a critical process for real estate investors and developers seeking to optimize the financial health of their assets, especially in times of market volatility or operational challenges. We provide expert restructuring services that help our clients realign their capital structures, improve cash flow, and enhance the performance of their portfolios. Whether you’re facing financial difficulties, seeking to reposition an underperforming asset, or looking to capitalize on new opportunities, our restructuring solutions are tailored to meet your specific needs and objectives.

Restructuring allows property owners and investors to adjust their financing arrangements, renegotiate terms with lenders, and reposition their assets to align with current market trends. This process can involve refinancing existing debt, negotiating with creditors, modifying loan covenants, or even bringing in equity partners to strengthen the asset’s financial foundation.

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Ground Lease

Ground Lease Financing

Ground Lease transactions are an innovative and strategic capital solution that can significantly enhance project-level cash flows and improve internal rates of return (IRR) for property owners. We assist in structuring ground lease transactions that allow property owners to unlock the value of their land while retaining operational control over their assets. This approach offers access low-cost capital, improve financial flexibility, and optimize the performance of your real estate investments.

A key advantage of a ground lease is the ability to maintain long-term operating control of the asset. While the land is sold, the property owner retains control over the building and its operations. This enables the property owner to continue benefiting from the property’s income streams and appreciation in value, while also enjoying the enhanced yields made possible by the infusion of low-cost capital from the ground lease.

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C-PACE

C-Pace Financing

C-PACE Financing (Commercial Property Assessed Clean Energy) is a powerful tool that allows developers and property owners to finance energy-efficient upgrades and sustainable building practices with ease. 

C-PACE financing provides up to 100% of the funding needed for qualifying energy-efficient renovations and new construction projects. This includes improvements such as HVAC systems, insulation, solar panels, energy-efficient windows, and water conservation measures, among others. By covering the full cost of these upgrades, C-PACE financing enables property owners to implement sustainable practices without the burden of upfront capital outlays. Instead, the cost is repaid over time through a special assessment attached to the property, which can be spread out over an extended period, often up to 20 or 30 years.

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SBA

SBA Financing

The Small Business Administration offers business owners an option to finance owner-occupied property via the SBA 504 loan program. 

The SBA 504 loan program is designed to support small business owners by providing long-term, fixed-rate financing with competitive rates and favorable terms. This allows greater ease for business owners to finance a significant portion of their real estate purchase or improvement project. This program is particularly well-suited for owner-occupied properties, where the business operates within the purchased or renovated space. Whether you’re acquiring a new office building, expanding a warehouse, renovating a hotel, or setting up a new restaurant, the SBA 504 loan program provides the financial support you need to make these projects a reality.

Our team works closely with clients to structure SBA 504 loans that align with their specific objectives. We guide you through the entire process, from application to closing, ensuring that all requirements are met and that you secure the best possible terms for your loan. 

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Affordable Housing

Affordable Housing Financing

Affordable housing projects face complex challenges like strict regulations, intricate funding, and the need to remain financially viable. Factor Real Estate Finance brings deep expertise to create customized financing strategies, helping clients fund new builds, renovations, or preservation efforts.

Our Mission-Based Financing solutions are designed to align with the values and goals of developers and organizations dedicated to serving low- to moderate-income populations. We collaborate with a wide range of funding sources, including government agencies, non-profit organizations, and community development financial institutions (CDFIs) who share a commitment to social impact. By leveraging these relationships, we are able to offer a variety of financing options, such as tax-exempt bonds, low-income housing tax credits (LIHTC), grants, and other subsidy programs that make these projects financially feasible.

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Life Insurance

Life Insurance Financing

Life insurance companies are uniquely positioned to offer long-term, fixed-rate financing, often with terms that extend well beyond those available from traditional banks and lenders. This extended duration allows investors to lock in low interest rates for the life of the loan, providing a predictable and stable debt service over many years. For real estate projects that require a strong foundation of financial stability, such as office buildings, industrial properties, and multifamily developments, this type of financing is particularly advantageous.

We have cultivated strong relationships with a broad network of life insurance companies, enabling us to match our clients with the most suitable lenders for their specific needs. These relationships allow us to secure financing that is not only competitive in terms of interest rates, but also tailored to the unique characteristics of each project. 

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Multifamily

Multifamily Financing

Multifamily Small Balance Loans are a vital tool for investors looking to finance properties within a range of $1 million to $10 million. We specialize in arranging these loans through our established network of small balance agency lenders. Our extensive experience in this segment of the market allows us to offer financing solutions that are specifically tailored to meet the unique needs of multifamily property owners and investors.

A key advantages of our small balance loan offering is the availability of non-recourse financing. Additionally, our small balance loans can be structured with either fixed or floating interest rates, depending on your financial strategy and market outlook. This flexibility allows you to choose a loan structure that best aligns with your investment goals, whether you prefer the predictability of a fixed rate or the potential savings of a floating rate.

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HUD/FHA

HUDFHA Loan Financing

HUD (Department of Housing and Urban Development) and FHA (Federal Housing Administration) lending programs are advantageous for projects that require substantial leverage and extended amortization periods. These programs are designed to support the development, acquisition, and refinancing of multifamily and healthcare properties, making them ideal for investors focused on these asset classes. 

We act as a correspondent to HUD/FHA lenders, leveraging our extensive network and deep industry knowledge to arrange HUD financing nationwide. Our team has considerable experience in closing transactions across all HUD programs, ensuring that our clients benefit from a streamlined process and favorable loan terms. From initial application to final closing, we manage every aspect of the financing process, allowing you to focus on the success of your project.

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Agency

Agency Financing

Agency Financing is a cornerstone of Factor Real Estate Finance’s service offerings, providing reliable and structured debt solutions through government-sponsored enterprises (GSEs) such as Fannie Mae, Freddie Mac, and other agency lenders. These programs are particularly advantageous for borrowers looking to finance multifamily properties, senior housing, and other specialized asset classes.

Our team at Factor Real Estate Finance brings extensive experience and in-depth knowledge of agency programs to each transaction. We work closely with clients to navigate the intricacies of agency financing, ensuring that the process is smooth and that all regulatory requirements are met. From initial application through closing, we guide you through each step, leveraging our relationships with agency lenders to secure the most favorable terms available.

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Alternative Lenders

Alternative Lenders Financing

Alternative lenders offer a flexible and innovative approach to financing, providing solutions that cater to the unique and often complex needs of our clients. Our network of alternative lenders includes private equity firms, debt funds, and specialty finance companies, equipped to offer creative financing structures. These lenders can provide capital for projects that may not meet the stringent criteria of traditional banks, such as those with higher leverage requirements, unconventional asset types, or distressed properties. 

 We work closely with these non-traditional lenders to tailor financing solutions that align with the specific objectives and circumstances of each project. Whether you need quick access to capital, a more customized loan structure, or a higher degree of leverage, we ensure that the terms are favorable and that the financing supports your overall investment strategy

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Bridge Loans

Bridge Loan

Bridge Financing at Factor Real Estate Finance is designed to provide the flexible, short-term capital needed to transition your commercial real estate projects from one phase to the next. Whether you’re undertaking a light value-add investment or a major repositioning, our expertise in bridge financing ensures that you have access to the capital required to move your project forward with confidence.

Bridge financing can be complex, with many moving parts to consider, such as recourse versus non-recourse options, leverage, interest rates, and capital expenditure funding. Factor Real Estate Finance takes the time to thoroughly evaluate these variables, ensuring that the chosen solution not only meets your immediate needs but also supports the long-term success of your investment.

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Banks

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Factor Real Estate Finance has cultivated robust relationships with national, regional, and local banks throughout the country, allowing us to offer a diverse range of capital solutions tailored to the unique needs of our clients. Whether it’s construction financing, bridge loans, or permanent financing, we have the expertise and connections to secure the best possible terms for your commercial real estate projects.

Our approach is centered around understanding the specific needs and goals of each borrower. We work with clients across all asset types, from multifamily and office spaces to retail and industrial properties. By focusing on the details that matter most, we ensure that each financing solution is not only aligned with your immediate objectives but also positioned for long-term success.

Our extensive banking network, combined with our meticulous attention to detail, enables us to craft customized financing solutions that optimize investment performance. We understand that every project is unique, and we are committed to delivering capital solutions that drive value and maximize returns for our clients. At Factor Real Estate Finance, your goals are our priority, and we are dedicated to helping you achieve them with the most effective and efficient financing strategies.

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