Structured Finance Options

Commercial Mortgages

Our Commercial Real Estate Finance Division focuses in the assignment of commercial mortgages over $20 million for office, retail, industrial, multi-family apartment buildings, and specialty properties. We organize equity involvement, construction loans, refinance loans, acquisition loans, and permanent financing for both owner-occupied and investment properties nationwide.

Charter Equities, Inc. differentiates itself in the commercial mortgage business with outstanding follow-up commitment. We quickly and smoothly resolve the inevitable difficulties that can arise through the various financing options and work with clients until completion of the project. From negotiating the fine points of a investor/lender's desire to suspending monies needed for maintenance repairs to the positive resolution of a lender's concern over an existent capital expense issue, Charter Equities is your guide, your supporter, and the solutions based partner to all your unexpected issues.

Given Charter Equities, Inc. extensive experience in the financing process, our clients benefit greatly from our responsible method of striving to comprehend both the short-term and long-term financial and investment plans for a particular property before suggesting a structure for the projected financing.

Structured Participation

In this day of tight credit, the need of owners to seek equity participation.  Facing foreclosure because existing lenders are not in a position to extend  needed credit when it is crucial to your business, or renew loans, many borrowers are facing foreclosure and are in peril of losing their interest in their properties.  We assess the needs, and risk of the potential participation.  Depending upon perceived risk and economic drivers of the property in the leasing or sales risk, the time of the commitment in invested capital, we develop a pricing model and percentage of participation.  An example is entering into a structure where the lender becomes a capital partner and receives a preferential return on invested funds, plus a percentage of the project.  Charter Equities, Inc, or affiliate Charter Companies, LLC acts as the managing general partner in the new structure.  We work to optimize the protection of both our participating investors and the client needing additional capital to retain ownership, complete tenant improvements or project completion.

We are often able to interceded with existing lenders and negotiate a discount of the current encumbrances.  Our participation brings credibility with a seasoned financial management team along with new capital.

Second Tier ~ Alternative ~ Hard Money Loans

Our Second Tier Lending Finance Division takes great pride in our levels of both quality and service by offering a wide variety of loan products at competitive market rates. We work with many investors, each has their "target loan criteria", generally we are able to match our lender-investors with the specifics of a transaction.  We provide objective advice to the best options possible for your needs and situation. We empower our vast clientele of borrowers with the unbiased facts necessary to make well-informed financial decisions.

From loan closing and funding to mortgage processing and underwriting, Charter Equities, Inc. professionally and competently advances your transaction, all the while keeping you informed through every process milestone. We are have no priority higher than each client on an individual level, and are therefore highly committed to establishing satisfying, enduring customer relationships. Given this fact, you can feel entirely secure that you will receive the highest quality service and attention.

Charter Equities, Inc.
 102 Aspen Hollow Road
Post Office Box 5436
Ketchum, Idaho 83340-5436
(208) 806-0385
info@charterequities.com