- Tier-1 Capital Advisors partners with established companies, seasoned investors, and experienced sponsors seeking financing of $2 million and above. We deliver tailored credit solutions for acquisitions, real estate investments, and fund-level strategies aligning capital with each client’s scale, sophistication, and long-term objectives.
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Capital Advisors
Lending Strategies That Move You Forward
Strategic lending solutions for commercial borrowers navigating growth, investment, or restructuring. From Fortune 500s to small businesses, we tailor capital structures that move your business forward.
Serving Satisfied Clients Globally
Interest rate
theFinancials.com
SOFR 30-DAY AVERAGE
4.336%
SOFR 30-DAY TERM
4.357%
PRIME RATE
7.50%
U.S. Treasury SOFR Swap
U.S. TREASURY
SOFR SWAP
5-YEAR
3.831%
3.465%
7-YEAR
4.030%
3.578%
10-YEAR
4.285%
3.752%
30-YEAR
4.851%
4.022%
Why Choose Us
Who We Are and What We Do
Tier-1 Capital Advisors is a strategic partner to businesses and investors navigating complex capital needs. We specialize in commercial lending and structured finance, delivering tailored solutions that support growth, acquisitions, and long-term investment strategies with clarity, precision, and results at every stage.
Deep Capital Knowledge
With 20+ years in commercial banking, Tier-1 Capital Advisors brings unmatched insight into lender priorities and underwriting logic. We structure risk-aligned financing that accelerates approvals, secures flexible covenants, and protects long-term cash flow and equity delivering clarity when precision matters most.
Personalized Lending Strategies
Your business is unique and your capital strategy should be too. Tier-1 designs tailored, data-driven financing aligned with your growth, operations, and liquidity goals. Backed by deep lender relationships across banks and private capital, we deliver durable structures that scale with your vision.
End-to-End Advisory Support
Tier-1 provides White Glove Service from first contact to funding. We manage documentation, lender engagement, and negotiations with precision so you stay focused on your business. From underwriting to multi-party coordination, we ensure every detail is handled swiftly and professionally.
Secure Capital. The Tier-1 Way.
How it works
01
Apply Online
Complete our streamlined application form with your business details and funding objectives. It only takes a few minutes to get started.
02
Connect with a Funding Advisor
A member of our team will reach out promptly to understand your goals, answer questions, and gather any necessary documentation.
03
Secure the Best Financing
We leverage our network of trusted lending partners to find the most competitive financing options available tailored to your business needs.
04
Access Your Capital
Once approved, your funds are delivered efficiently and securely, so you can move forward with confidence and momentum.
Loan Calculator
Results
Monthly Payment
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Total Interest
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What We Offer
Financing Solutions
Property Types
Multifamily lending remains a foundational strength of Tier-1 Capital Advisors. Our team
has arranged financing for a wide range of multifamily assets nationwide including
stabilized properties, transitional assets, and value-add projects requiring strategic
repositioning. From single-building acquisitions to multi-state portfolios, we specialize in
structuring capital solutions that align with each client’s investment thesis, operational
goals, and timeline. Our deep lender relationships and hands-on approach ensure
seamless execution across conventional, bridge, and agency platforms.
Tier-1 Capital Advisors brings deep expertise in structuring financing for office assets
nationwide including Class A towers, mid-rise campuses, leasehold interests, and full
repositioning strategies. Our understanding of office operations, tenant dynamics, and
market economics enables us to underwrite complex scenarios with precision. Whether
navigating transitional occupancy, capital improvements, or nuanced ownership structures, we deliver tailored debt solutions that support long-term asset performance
and sponsor objectives.
Tier-1 Capital Advisors has structured financing for a diverse mix of retail assets across the
country from high-street storefronts and suburban shopping centers to regional malls and
emerging experiential concepts. Our team’s nuanced understanding of retail economics,
tenant mix, and consumer trends allows us to advise sponsors on optimal capital
structures tailored to each asset’s profile and business plan. Whether stabilizing legacy
centers or launching innovative formats, we deliver financing strategies that align with long
term value creation.
With deep experience across urban and in-fill markets, the team at Tier-1 Capital Advisors
delivers tailored financing solutions for mixed-use properties that integrate residential,
retail, office, and hospitality components. These assets demand a nuanced approach to
underwriting and capital structuring, given their diverse income streams and operational
complexity. We work closely with sponsors to align each financing package with the
property’s unique profile, long-term vision, and market dynamics
Leveraging a focused approach to cooperative housing, Tier-1 Capital Advisors provides
tailored financing for underlying co-op mortgages. Our dedicated team works closely with
co-op boards, managing agents, and advisors to structure solutions that reflect each
property’s governance, financial profile, and long-term needs. Through deep relationships
with specialized lenders in this niche sector, we offer access to competitive terms and
efficient execution for even the most complex co-op transactions
Drawing on extensive experience with operationally intensive assets, Tier-1 Capital
Advisors structures financing for hospitality properties across the full spectrum of service
levels from limited-service to luxury. Our team has advised on ground-up development,
reflagging and repositioning strategies, and the acquisition or refinancing of existing hotels.
With a deep understanding of brand standards, franchise dynamics, and cash flow
variability, we deliver capital solutions that support long-term performance and sponsor
objectives.
Tier-1 Capital Advisors provides strategic financing solutions for a broad range of senior
housing and healthcare assets including independent living communities, assisted living
facilities, and skilled nursing properties. These assets demand a nuanced understanding of
operational oversight, regulatory compliance, and reimbursement structures. Leveraging
deep relationships with specialized lenders, our team delivers tailored capital strategies
that align with each property’s care model, ownership goals, and long-term performance.
Tier-1 Capital Advisors structures financing for a wide range of industrial assets including
distribution centers, flex space, and logistics facilities across key U.S. markets. Our deep
understanding of operational workflows, tenant requirements, and market dynamics
enables us to advise on development, acquisition, refinancing, and repositioning
strategies. Whether stabilizing legacy assets or launching ground-up projects, we deliver
capital solutions that support long-term utility and sponsor objectives.
With deep experience across property types and geographies, Tier-1 Capital Advisors
advises developers on structuring capital for ground-up projects through all phases of the
real estate cycle. Our team closely monitors capital market trends and evaluates each
opportunity through a risk-adjusted lens ensuring that financing strategies align with the
project’s vision, timeline, and return profile. From urban infill to large-scale mixed-use, we
help bring transformative developments to life with precision and credibility.
Wide Range
Loan Options
Tier-1 Capital Advisors is trusted by long-term owners and institutional sponsors to
structure permanent financing that aligns with asset strategy and portfolio goals. With
deep relationships across balance sheet lenders, life companies, and agencies, we offer
access to preferred programs and competitive terms not broadly available in the market.
Acting as an extension of our clients’ capital teams, we bring unmatched execution and
insight to every transaction ensuring stability, scalability, and long-term value.
Investors and developers across the country rely on Tier-1 Capital Advisors to secure
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inancing for mission-critical acquisitions from marquee single assets to multi-state
portfolio transactions. Our team brings decades of experience navigating complex deal
structures, competitive bidding environments, and time-sensitive closings. With a focus on
certainty of execution, we deliver the proceeds, terms, and lender alignment required to
support strategic growth and long-term portfolio performance.
Tier-1 Capital Advisors structures construction financing across a wide range of property
types and development stages nationwide. Our team evaluates each project’s timeline,
cost assumptions, and projected performance to deliver capital solutions aligned with the
developer’s vision and execution strategy. Whether ground-up, phased, or adaptive reuse,
we tailor financing to meet the unique needs of each sponsor ensuring flexibility,
efficiency, and long-term viability.
As a strategic advisor, Tier-1 Capital Advisors brings a deep understanding of asset
structure, valuation, and sponsor objectives enabling us to guide clients through complex
capital stack decisions, partner buyouts, and partial interest recapitalizations. Our team
evaluates each scenario with precision, aligning financing strategies to support liquidity,
governance, and long-term value creation across diverse ownership structures.
Real estate opportunities often demand speed and flexibility especially when navigating
time-sensitive acquisitions or market shifts. Tier-1 Capital Advisors sources interim
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inancing solutions that align with each client’s business plan, enabling quick execution
without compromising long-term strategy. Our team remains actively engaged throughout
the asset’s lifecycle, ensuring a seamless transition from bridge to permanent financing
with optimal terms and timing
Tier-1 Capital Advisors understands the intricacies of the value-add marketplace, having
structured debt capital for transformative repositioning projects nationwide. Our deep
familiarity with redevelopment timelines, budget sensitivities, and operational transitions
allows us to negotiate flexible financing solutions that support each project’s unique
trajectory. Whether upgrading core infrastructure or reimagining tenant mix, we align
capital strategy with long-term asset performance.
Tier-1 Capital Advisors brings deep expertise in structuring mezzanine and subordinate
debt across a wide range of property types. Our team collaborates closely with clients,
senior lenders, and mezzanine capital providers to craft financing solutions that reflect the
project’s unique risk profile, cash flow dynamics, and strategic objectives. With a focus on
alignment and execution, we ensure that every layer of the capital stack supports long
term success.
Equity Placement Through Trusted Relationships
Tier-1 Capital Advisors leverages a broad network of institutional and entrepreneurial equity
sources built through years of trusted advisory work with leading real estate investors
nationwide. By understanding each capital partner’s investment criteria, return thresholds,
and operating style, we efficiently match sponsors with equity that aligns with their
business plan and long-term goals. Our relationship-driven approach accelerates
execution while ensuring strategic fit across the capital stack
Funding Choices
Loan Types
Traditional First Mortgage Whole Loans
Get standard property loans from banks with either fixed or adjustable rates for buying or refinancing buildings.
CMBS First Mortgages
Get loans bundled with others and sold as investments, often with good rates and flexible terms.
Mezzanine Debt/Preferred Equity
Get extra funding that sits between regular loans and owner's money to help bigger deals happen.
First Mortgage Construction Lines
Get flexible loans that pay out in stages as your construction project moves forward.
Agency First Mortgages
Get government-backed loans for apartment buildings through programs like Fannie Mae and Freddie Mac.
C-Pace Financing
Get special loans for energy upgrades that you pay back through your property taxes.
EB-5 Financing
Get funding from foreign investors who want U.S. residency in exchange for investing in your project.
Funding Partners
Capital Sources
Domestic and Foreign Banks
Get loans from both U.S. and international banks that offer different types of financing with competitive interest rates and terms that fit your needs.
Life Insurance Companies
Secure stable, long-term loans from insurance companies that typically offer lower rates and longer repayment periods than traditional banks.
Debt Funds and REIT's
Access flexible financing options from investment funds that specialize in real estate loans, often with faster approvals and more creative terms than banks.
Agency Lenders
Get government-backed loans through programs like Fannie Mae and Freddie Mac that often have better rates and terms for qualifying properties.
Debt Capital Markets
Access large-scale financing through Wall Street institutions that can package loans into investments, ideal for big projects needing significant funding.
Leadership Team
Enhance Your Experience with
Expert Consultation
Terrell Virgil
Chief Executive Officer, Managing Partner
Michael Rivera
Partner
FAQ’S
Frequently Asked Quetions
What types of loans do you offer?
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Who can apply?
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How long does the loan approval process take?Timelines vary by loan type, but our expert team ensures faster approvals by presenting lender-ready packages and handling communication directly.
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Will someone guide me through the process?Yes, a dedicated Tier-1 advisor supports you from start to finish, including documentation, lender coordination, and structuring.
