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Low fixed rates

Up to 30-year FULL AMORTIZATION (No balloons or calls)

5 Years Interest Only

No replacement reserve impounds collected- you control when you make the repairs and what you repair

Nationwide Lending

Dedicated KC Capital TEAM has the experience to overcome the most challenging obstacles and close your loan

The best CUSTOMER SERVICE and support in the industry, and we can prove it! Just listen to these satisfied customers: Click Here

NNN Retail Property Loans $500,000 And Up

KC Capital provides comprehensive lending programs for triple net retail properties. Since 1995, we have provided the most competitive loan rates and terms. KC Capital's rigorous prequalification process, aggressive underwriting and 97% closing ratio will prove to be the successful and profitable choice for your loan.

Recommended Loan Programs

NEW Executive Program ($500K-$10MM)
Commercial loans with 5-year Interest only? This program has it! KC Capital’s Executive loan program has been specifically designed to answer the needs of our multifamily and commercial loan clients. This program offers great flexibility to customize a loan program to your specific needs, not the needs of the lender. Short term holders and select from multiple prepayment options, while long term holders can select a long term fixed rate. Couple this flexibility with the optional interest only for up to 5-years, and KC Capital’s Commercial Loan Specialist will be able to structure an Executive loan to meet your investment goals.

Highlights:
- up to 5 years interest only
- 1.25x min. DSCR
- up to 30-year amortization
- up to 80% LTV
- multiple pre-payment options

Gold ($500k - $10MM)
This portfolio (bank style) loan is a great alternative to traditional conduit or CMBS financing.  Investors will find the declining prepayment penalties very attractive (in lieu of defeasance or yield maintenance).  Structure the loan with a 5 or 7-year fixed rate and combined this with a term of up to ten years and amortizations of up to 30 years to make your investment work for you!  

Highlights:
- up to 75% LTV available
- 1.25x min. DSCR
- non-recourse
- low declining pre-payment penalties

- loan term up to 10 years with up to 30-year amortization
- no replacement reserve impounds
- declining pre-payment penalties
- interest-only available

CMBS ($1M and up – no max.)
Conduit or CMBS lending has never been so aggressive!  Low interest rate spreads combined with interest only options, rate lock options, low DSCR requirements and loan fee caps make this loan a great option for experienced apartment and commercial investors that require a CMBS loan.   KC Capital has offered CMBS loans since 1995, and through our steadfast relationships with the top Wall Street conduits, we can ensure you will receive the most aggressive rates and terms for your next CMBS deal.

Highlights:
- up to 80% LTV available (90% with structured financing)
- 1.15x min. DSCR (1.05x with structured financing)
- non-recourse
- loan terms from 5 to 20 years and up to 30 year amortization
- defeasance or yield maintenance options available
- up to 10 years interest-only available
- very flexible and aggressive CMBS underwriting