Office Buildings
Anchored / Unanchored Retail Buildings
Apartment Buildings
Industrial Buildings
Manufacturing Facilities
Self Storage
Mobile Home Parks
Health Care and Medical Buildings
Mixed Use Properties

Gas Stations
Convenience Stores
Auto Dealerships
Campgrounds
Churches
Charter Schools
Bowling Alleys  
Hotel / Motel
Funeral Homes

Restaurants and Bars
Assisted Living Facilities
Recreational / Entertainment Facilities
Manufacturing Facilities
Warehouse Facilities

We also finance Single Credit Tenant Lease Loans, Equipment, Medical Equipment, Accounts Receivable Financing, Export Receivable Financing, Purchase Order Financing / Factoring, Transportation Finance (Freight Bills) and Inventory Financing.

Don’t deal with the hassle of searching for financing yourself……go directly to the source! C&T Funding, Inc. is a seasoned commercial mortgage company specializing in commercial real estate loans. Whether you are seeking lower interest rates, no personal guarantees, longer fixed interest rate periods, longer amortizations, higher LTVs, or more cash out C&T Funding is there to guide you.

Call today (800) 304-4537 or apply online for a free quote.

C&T Funding, Inc. is a national provider of commercial financing secured by real estate, equipment, inventory, accounts receivable, and invoice financing.

Loan Guidelines

Multi Tenant Property Types:

Office Buildings
Eligible properties include existing office space for the purposes of single tenant, multi tenant, and medical facilities.

• At least 85% economic occupancy
• Low Fixed Rate
• 10, 15, & 20-year terms with up to 30-year amortizations
• Loan sizes from $500,000 to $50,000,000
• Non-recourse and assumable (subject to standard carve-outs and approval)
• 75% to 80% LTV with 1.25 DSC
• Spreads of 200-300 bps over the 10-year Treasury
• No cash-out restrictions

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Anchored / Unanchored Retail
Eligible properties include existing retail properties.

• At least 85% occupancy
• Low Fixed Rate
• 5, 7, & 10-year terms with up to 30-year amortizations
• Loan sizes from $500,000 and up
• Non-recourse and assumable (subject to standard carve-outs and approval)
• Anchored - 75% to 80% LTV with 1.20 - 1.25 DSC
• No cash-out restrictions

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Apartment Buildings
Eligible properties include existing apartments. Moderate rehabilitation is permitted, so long as current occupancy will support underwriting.

• At least 85% economic occupancy
• Low Fixed Rate
• 5, 7, & 10-year terms with up to 40-year amortizations
• Loan sizes from $500,000 to $50,000,000
• Non-recourse and assumable (subject to standard carve-outs and approval)
• 80% to 90% LTV with 1.20 - 1.25 DSC
• No cash-out restrictions

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Industrial / Manufacturing Facilities
Eligible properties include existing facilities.

• At least 85% economic occupancy
• Low Fixed Rate
• 5, 7, & 10-year terms with up to 30-year amortizations
• Loan sizes from $500,000 to $50,000,000
• Non-recourse and assumable (subject to standard carve-outs and approval)
• 80% to 90% LTV with 1.20 - 1.25 DSC
• No cash-out restrictions

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Self Storage
Eligible properties include existing self storage facilities. At least 85% economic occupancy

• 85% occupancy based on square footage is required
• Low Fixed Rate
• 5, 7, & 10-year terms with 30-year amortizations
• Loan sizes from $500,000 and up
• Non-recourse and assumable (subject to standard carve-outs and approval)
• 75% to 90% LTV with 1.25 - 1.40 DSC
• No cash-out restrictions

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Mobile Home Parks
Eligible properties include existing mobile home parks.

• 85% occupancy is required
• Low Fixed Rate
• 5, 7, & 10-year terms with 30-year amortizations
• Loan sizes from $1,000,000 and up
• Non-recourse and assumable (subject to standard carve-outs and approval)
• 75% to 80% LTV with 1.25 - 1.35 DSC
• No cash-out restrictions

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Owner Occupied Property Types
Eligible properties include existing facilities that are 100% occupied by the owner.

• Low Fixed Rate
• 5, 7, 10, 20, & 25-year terms with 15, 20, & 25-year amortizations
• Loan sizes from $250,000 and up
• Assumable (subject to standard carve-outs and approval)
• 75% to 80% LTV with 1.25 - 1.5 DSC
• No cash-out restrictions

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Single Credit Tenant Lease Loans
Eligible properties include existing, stabilized, income-producing Office, Retail, and Industrial properties housing a single tenant with a credit rating of “BBB” and a stable outlook or better.

• 5, 7, & 10-year terms or coterminous with the remaining lease term.
• Bondable, NNN, and NN lease types acceptable
• Loan sizes from $1,000,000 and up
• Non-recourse (subject to standard carve-outs and approval)
• Up to 100% LTV with 1.00 DSC

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Equipment Loans
Use to purchase or refinance new or used equipment.

• Loan sizes from $100,000 to $2,000,000
• Up to 15-year terms on new equipment
• Up to 10-year terms on used equipment
• Competitive interest rates

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Medical Equipment Finance
A financial solution geared to the needs of medical professionals, private and public hospitals, surgeries, and specialist clinics.

• Wide range of equipment considered including small ultra sound equipment, CT scanners, lithotripters, vehicles, computers and general practice development needs, operating leases and purchase facilities.
• Flexible and creative lease terms
• Eligible borrowers include dentists, veterinary surgeons, opticians, general practitioners, private healthcare hospitals and operators, specialist clinics, care homes, NHS, manufacturers and suppliers of medical equipment

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Accounts Receivable Financing
Our Receivables Funding (Account Receivable Factoring) boosts your cash flow by providing an immediate advance of cash against the value of your outstanding invoices.

• When you raise an invoice, our Lender can release up to 90% of the value of that invoice within 24 hours. The remaining 10% is paid to you, less a small service fee, once payment is received from your customer.
• Your business has access to ongoing cash flow funding directly linked to your sales so as your business grows so does the amount of funding available to you.
• Benefit from improved profitability by taking advantage of discounts on bulk purchases and early payments with your suppliers.

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Export Receivable Financing
Offering attractive payment terms is essential in making a sale in competitive export markets. Our Export Finance Program provides immediate cash flow for your business (against the value of your outstanding export invoices) and an ongoing supply of working capital.

• You send export sales invoices and credit memos to our Lender who can release up to 80% of the value of those unpaid invoice within 24 hours. The remaining 20% is paid to you, less a small service fee, once payment is received from your customer.
• Your business has access to ongoing cash flow funding directly linked to your export sales.
• You save valuable management time by not having to chase and collect outstanding invoice payment from your overseas customers or manage any currency issues.

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Purchase Order Financing
Some suppliers want you to pay cash on delivery while your customer wants to pay you net 30 to 60 days. Our Purchase Order Finance Program can help make your deals possible. If you have a confirmed order from a creditworthy customer but lack the cash to fulfill it:

• Our Lender will advance up to 80% of the confirmed purchase cost to your supplier by either paying them directly or opening a letter of credit.
• You deliver the goods and our Lender invoices your customer.
• Our Lender collects payment on the invoice from your customer and then pays you the balance minus a small service fee.

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Transportation Finance
This works by our Lender purchasing your freight bills and advancing you up to 95% of the verified freight bill value.

• The initial funding process, from receipt of application, normally only takes from two to six business days, depending upon the size of your business. 
• After your initial funding you will get up to 95% of funding on your freight bills within 24 hours.

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Inventory Financing
Eligible inventory includes inventory that is not outdated and in good condition.

• Up to 100% financing of eligible inventory
• No charge financing periods available
• Early payment discounts
• Multiple scheduled payments up to 120 days
• Payment Rescheduling Plan available

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