Commercial refinance & cash-out refinance.

Source commercial refinance and cash-out refinance from pre-vetted direct lenders. Agency takeout (Fannie/Freddie), bridge-to-perm, term financing, value-add recapitalization, owner-occupied business-purpose. Up to 75% LTV cash-out. Speedy tracks every funded bridge so ISOs catch the refi before maturity.

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Why source commercial refinance + cash-out

Catch the bridge maturity. Win the agency takeout.

Bridge maturity radar

Speedy tracks every funded commercial bridge and surfaces the refi opportunity 90 days before maturity. Beat competing brokers to the renewal.

Agency-direct takeout

Direct Fannie DUS / Freddie SBL / life co lenders for bridge-to-perm refinance. No layered broker fees on the agency side.

75% cash-out LTV

Pull capital out of stabilized commercial assets — return of capital, fund next deal, recap after value-add execution.

PACE overlay capability

Add C-PACE on a refinance for energy retrofits. Long amortization, often non-recourse, stacks with bridge or perm.

Refinance + cash-out products

Six paths to refinance.

Agency takeout

Fannie DUS / Freddie SBL / life co. Bridge → perm refinance, lowest commercial rates.

Bridge-to-perm

Refinance an aging bridge with a fresh bridge while finalizing perm takeout. Time-buyer.

DSCR commercial cash-out

Pull equity on stabilized commercial, NOI-based. Up to 75% LTV.

C-PACE refinance overlay

Add energy retrofit financing on the refinance. Tax-assessment, long amortization.

Owner-occupied business

Owner-user CRE refinance. Rate-and-term or cash-out for business expansion.

Portfolio refinance

Cross-collateralize multiple commercial assets, one refi loan. Common for value-add stabilization.

Side-by-side

Compare commercial refinance products.

Product	Best for	Rate	Cash-out LTV	Term
Agency takeout	Stabilized 5+ unit MF	5.6–6.4%	75%	5/7/10/15 yr
Life co perm	Class A/B office, retail, MF	5.5–6.5%	70%	5–25 yr
Bridge-to-perm	Pre-stabilization recap	8.5–10.5%	70%	12–24 mo
DSCR commercial	Smaller stabilized CRE	7.0–8.5%	75%	30 yr amort
PACE overlay	Energy retrofit + refi	5.5–7.5%	up to 30%	up to 30 yr
Portfolio refi	Multiple CRE assets	6.5–8.5%	70%	5–10 yr

FAQ

Commercial refinance, answered.

What is a commercial cash-out refinance used for?

Commercial cash-out refinance pulls equity from a stabilized property — most common uses are returning capital to LPs (return of capital event), funding the next acquisition, or recapitalizing after a value-add execution. LTV up to 75% on agency, 70% on bridge takeout.

Is bridge-to-perm refinance available?

Yes. Standard structure on commercial: bridge during acquisition or value-add, then refinance to permanent (agency, life co, term) at stabilization. Speedy tracks the bridge maturity and routes the refi to direct perm lenders before the bridge balloons.

Can a commercial loan be refinanced before maturity?

Yes — depends on prepayment terms. Agency loans typically have yield-maintenance or defeasance prepay structures. Bridge usually has no prepay or 1-2 month minimum interest. The marketplace shows prepay terms upfront so ISOs can flag good refi candidates.

What is yield maintenance and defeasance?

Both are agency / CMBS prepayment structures. Yield maintenance pays the lender the interest they would have earned through maturity. Defeasance substitutes US Treasury securities for the property as collateral. Both can be expensive — important to model before refinancing.

Are PACE refinance overlays available?

Yes. C-PACE can be added on a commercial refinance to fund energy efficiency, solar, or resilience retrofits. Long amortization (up to 30 years), often non-recourse, paid via property tax assessment. Stacks alongside bridge or perm.

Where commercial refinance connects.

Purchase

Term financing

PACE

Deal math

Commercial refinance + cash-out, sourced direct.

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Updated 2026-05-10