Commercial real estate debt

Get your deal in front of the right lenders.

An experienced capital markets team and a platform that turns your documents into a lender-ready package, then finds the capital sources that fit. Acquisition, refinance, construction, and bridge.

How much can you borrow? Size your loan in 60 seconds
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What happens after you start
  1. 1Create a free account and upload what you have. Rent roll, T12, appraisal, model: whatever exists today.
  2. 2We build your lender package with you. Data is extracted and sourced. Our team reviews the critical numbers.
  3. 3You approve every lender. Nothing goes to a lender without your OK.

No upfront CapMatch fees. Any fee is agreed with you in writing first.

Lenders & partners in the CapMatch network
Why sponsors switch

Why wait until next spring?

That's when a traditional process gets your deal in front of the right lenders. With CapMatch, it takes days, not quarters.

With CapMatch
2 quarters ahead
In front of lenders in days
Traditional process
Still emailing PDFs and chasing lenders until next spring

Same deal. Same lenders. quarters sooner.

Start your deal

Illustrative. “In front of lenders” means a lender-ready package delivered to matched lenders, not a closed loan. Timing varies by deal.

The platform

Everything between first document and closed loan.

Three stages, nine tools, one deal room.Here's how each stage works.

  1. Stage 1

    Prepare

    Upload what you have. The numbers are extracted, every source is cited, and gaps are flagged.

    You get
    One organized, sourced data room that you control.
    • One Vault

      One Vault. One Truth.

      Upload your entire deal package (rent rolls, T12s, appraisals) into a secure, centralized vault. No more email attachments. No more version chaos.

    • Permissions

      Control who sees what

      Invite analysts, advisors, or partners without giving up control. Granular permissions at the project and document level. Your deal, your rules.

    • Edit & Version

      Edit in-browser. Roll back instantly.

      Edit documents directly in CapMatch. Every change is tracked, with full version history and one-click rollback.

  2. Stage 2

    Package

    Institutional-grade presentation, built from your own files.

    You get
    A lender-ready offering memorandum and financials.
    • AutoFill

      From documents to data, automatically

      AutoFill extracts data from your uploads and cites its sources. Hover any field to see where the value came from. Discrepancies get flagged.

    • AI Agent

      AI speed. Human oversight.

      AI drafts the financial picture and helps resolve data conflicts in real time. You stay in control and verify every output.

    • Living OM

      A living OM. Not a static PDF.

      Your Offering Memorandum generates automatically and stays current. Lenders toggle scenarios and ask the deal questions directly with Talk to OM.

  3. Stage 3

    Match & close

    Your deal is compared with lender appetite across hundreds of datapoints. See who fits, then close in one place.

    You get
    A ranked lender list you approve, and one place to run diligence to close.
    • Lender Matching

      Lender matching at a glance

      Matchmaking uses hundreds of datapoints, including property type, loan size, lender appetite, and terms, to surface the best fit. No more spray and pray.

    • Underwriting

      Generate. Review. Finalize.

      Lender-ready underwriting documents in minutes, not days. Every version tracked, every change logged. Audit-ready at close.

    • Communication

      Keep the conversation next to the deal

      Contextual chat, tagging, and video meetings inside the platform. Every call gets a searchable transcript and summary.

Start your dealHover any screen to preview it. Click to see it larger.
Loan sizer

How much can you borrow, and what's holding it back?

Lenders size a loan three ways, and the tightest test wins. Enter your numbers to see your limit under each, the one that binds, and what would move it. Most sponsors learn this weeks into a process.

Financing
Property
$38.50M
$3.40M
$55.00M
6.25%
Amortization
Lender tests
Illustrative. Every lender sets its own.
70%
1.25x
8.0%
Estimated maximum loan
$36.81M
Limited by debt service coverage
$1.69M short of your $38.50M
Loan-to-value$38.50M
70% of $55.00M
Debt service coverageBinding$36.81M
1.25x at 6.25%, 30-yr amortization
Debt yield$42.50M
8.0% minimum
Your request: $38.50M
LTV at your request
70.0%
DSCR at your request
1.20x
Debt yield at your request
8.8%
What would move it
  • Interest-only could lift the limit by about $1.69M
  • Each 25 bps lower rate is worth about $0.99M of proceeds
  • Otherwise, about $1.69M more equity closes the gap
Where a deal like this typically fits
  • Agency lendersStrong fit

    Fannie Mae and Freddie Mac programs favor stabilized multifamily, often with the longest terms and lowest rates.

  • Life companiesStrong fit

    Long-term, fixed-rate capital at low cost for high-quality, stabilized assets.

  • National banksStrong fit

    Relationship lenders for established sponsors, competitive on mid-size and larger loans.

Lenders will also ask for: existing loan balance and maturity; rent roll and trailing 12 months; proceeds you need, and why.

Read next: Calculating a multifamily refinance shortfall

Illustrative estimate from your inputs and the assumptions shown. Lenders size loans on their own underwriting of income, value, rates, and reserves. Not a quote, offer, or commitment.

Case studies

Real deals on the platform.

By asset class, market, and capital sought. Outcomes describe how CapMatch changed the process for each deal.

Mixed-Use Multifamily in South Bend, Indiana
Capital sought: $31.5M acquisition loan
Mixed-Use Multifamily
South Bend, Indiana
Lender back-and-forth cut by an estimated 40%

Fragmented BPO and Excel models created version chaos. CapMatch reconciled everything into a single source of truth and generated lender-specific outputs without rework.

Student Housing in St. Louis, Missouri
Capital sought: $30.1M equity recapitalization
Student Housing
St. Louis, Missouri
Tailored outputs for every investor

Generic docs couldn't capture student-housing and Opportunity Zone nuances. CapMatch built an investor-ready intelligence layer and answered questions in real time.

Mixed-Use Multifamily & Innovation Center in Dallas, Texas
Capital sought: $18M construction loan
Mixed-Use Multifamily & Innovation Center
Dallas, Texas
Lender questions answered in minutes, not days

Disconnected docs and competing lender assumptions stalled underwriting. CapMatch built a living underwriting model with lender-specific outputs on demand.

Refi Radar

Loan maturing? Know your window before it closes.

Refi Radar tracks loan maturities, interest rates, and lending spreads, and pairs with the matching engine to find the best lenders for your refinance.

Refi Radar
Scanning loan maturities, rates, and spreads
Maturing loans
  • Multifamily · Tampa, FLWindow open
    $32.5M · matures in 7 months
  • Industrial · Columbus, OH
    $14.0M · matures in 11 months
  • Mixed-use · Charlotte, NCWindow open
    $21.8M · matures in 5 months
  • Self-storage · Phoenix, AZ
    $9.6M · matures in 9 months
  • Student housing · Austin, TXWindow open
    $41.2M · matures in 6 months
  • Retail · Nashville, TN
    $12.3M · matures in 13 months

Illustrative data.

Before you share anything

Clear terms. Your deal stays yours.

How we're paid, who sees your documents, and how they're protected, in plain English.

What you pay

  • Creating an account is free.
  • No upfront CapMatch fees. We're paid on performance.
  • Any CapMatch fee is agreed with you in writing before it applies.
  • Third-party costs, such as appraisals, legal, and lender fees, are separate.
Terms of Service

Who sees your deal

  • Nothing goes to a lender without your approval.
  • You choose who joins, at the project and document level.
  • Hide sensitive files, like a guarantor's financial statement, from anyone.
  • We never sell your information.
Privacy Policy

How it's protected

  • Encrypted in transit and, with AES-256, at rest.
  • Role-based access, enforced on every document.
  • Security controls designed to SOC 2 standards.
  • Every value traced to its source document.
How we handle data
Market data from public and industry sources
FEMAUS CensusUS HUDFHFABLSCoStarYARDI

Your next term sheet starts now.

Create your account, drop in your deal, and see which lenders want it. CapMatch is paid on performance. We earn when you close.

Start your deal