Seacliff Capital & Private Equity Inc.
Debt, Capital & Private Equity
We provide financing and advisory support to businesses
We have years of experience helping entrepreneurs and businesses with their needs. We work with you, understand your needs and then find solutions for you.
Land & Construction
Equipment Financing
Acquisition/Bridge Financing
Raising Private Equity
Condominium/New homes
Inventory Financing
Business Lines of Credit
Our professional team of consultants will work hand-in-hand with you and your team to implement customized consulting solutions to achieve your short and long term business goals
Strategic Planning
Financial Management
Sales & Marketing
Government Grants & Programs
Succession Planning
Executive Training
Our Fractional CFO service provides your business with top-tier financial expertise and strategic guidance without the commitment of a full-time hire.
Access to Expertise
Flexible Engagement
Improved Cash Flow Management
Strategic Decision Support
Operational Efficiency
Scalability
Cost Efficiency
Our Services
We Assist businesses with financing and Advisory Solutions
Why Finance with Us?
Choosing the right financing option can be life changing!
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Leverage our years of experience in the financial industry.
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Work with knowledgeable professionals who understand your needs.
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We prioritize personalized service and attention to detail.
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Our team is committed to providing high-quality financial solutions.
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Tailored financial strategies designed to meet your unique goals.
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Flexible financing options to suit your business requirements.
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Hassle-free processes to make financing easy and accessible.
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Dependable support and consistent communication.
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Our clients' success is our top priority.
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Proven track record of delivering results and building lasting relationships.
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Our Socials
Reviews by past and current customers
I recently worked with Seacliff Capital to secure financing for my new commercial property, and I couldn't be more pleased with the service I received. From the initial consultation to the final closing, their team was professional, knowledgeable, and genuinely interested in helping me find the best mortgage solution for my needs. They took the time to explain all the options and made sure I felt comfortable and informed throughout the entire process. The personalized attention I received was outstanding, and I would highly recommend Seacliff Capital to anyone looking for expert guidance in commercial mortgages
Jane D.
"Seacliff Capital & Private Equity has been a game-changer for our company's financing strategy. We approached them for acquisition financing, and their team not only provided a competitive rate but also brought a wealth of expertise to the table. They helped us structure the financing in a way that was advantageous for both our short-term liquidity and long-term growth. Their deep understanding of the market and dedication to finding the best solutions for their clients is unmatched. I highly recommend Seacliff Capital for any business looking for innovative and reliable financing options."
Michael S.
"Seacliff Capital made what could have been a stressful process smooth and hassle-free. I was looking for a bridge loan to acquire a new piece of equipment for my business, and their team quickly understood my needs and provided the perfect financing solution. They were incredibly efficient and responsive, handling everything with professionalism and attention to detail. The entire process was completed much faster than I expected, allowing me to focus on growing my business. Thank you, Seacliff Capital, for your excellent service!"
Mathew J.
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What is a commercial mortgage?A commercial mortgage is a loan used to purchase or refinance commercial property, such as office buildings, warehouses, retail spaces, or apartment complexes. Unlike residential mortgages, commercial mortgages are typically used for properties that generate income or are used for business purposes.
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How does a commercial mortgage differ from a residential mortgage?Purpose: Commercial mortgages are for properties used for business purposes or investment, while residential mortgages are for personal homes. Loan Terms: Commercial mortgage terms are often shorter, ranging from 5 to 25 years, compared to residential terms of up to 30 years. Interest Rates: Interest rates on commercial mortgages are typically higher than those for residential mortgages due to the increased risk associated with business properties. Qualification Criteria: Lenders for commercial mortgages consider factors such as the property’s income potential, the business’s financial stability, and the borrower’s creditworthiness.
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What types of properties can be financed with a commercial mortgage?Commercial mortgages can be used to finance a wide range of property types, including: Office buildings Retail stores and shopping centers Warehouses and industrial properties Multi-family apartment buildings Hotels and motels Mixed-use properties (combining residential and commercial spaces)
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What factors do lenders consider when approving a commercial mortgage?Lenders typically evaluate several factors, including: Property Value: The appraised value of the property to be purchased or refinanced. Loan-to-Value (LTV) Ratio: A ratio that compares the loan amount to the property's value. Lower LTV ratios generally lead to better loan terms. Debt Service Coverage Ratio (DSCR): A measure of the property's ability to generate enough income to cover loan payments. A DSCR of 1.25 or higher is usually preferred. Borrower’s Credit Score: A higher credit score can result in better loan terms. Business Financials: The financial health and stability of the business, including income statements, balance sheets, and tax returns. Personal Guarantees: Lenders may require personal guarantees from business owners, especially for smaller businesses or higher-risk properties.
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What are the common types of commercial mortgage products available?Fixed-Rate Mortgages: The interest rate remains constant throughout the loan term. Variable-Rate Mortgages: The interest rate fluctuates with market conditions, which can lead to changes in monthly payments. Interest-Only Loans: Borrowers pay only the interest for a set period, followed by principal and interest payments. Balloon Mortgages: These loans have a short term, with small monthly payments and a large balloon payment at the end of the term. Bridge Loans: Short-term loans used to "bridge" the gap until more permanent financing is available.
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What factors do lenders consider when approving a commercial mortgage?Lenders typically evaluate several factors, including: Property Value: The appraised value of the property to be purchased or refinanced. Loan-to-Value (LTV) Ratio: A ratio that compares the loan amount to the property's value. Lower LTV ratios generally lead to better loan terms. Debt Service Coverage Ratio (DSCR): A measure of the property's ability to generate enough income to cover loan payments. A DSCR of 1.25 or higher is usually preferred. Borrower’s Credit Score: A higher credit score can result in better loan terms. Business Financials: The financial health and stability of the business, including income statements, balance sheets, and tax returns. Personal Guarantees: Lenders may require personal guarantees from business owners, especially for smaller businesses or higher-risk properties.
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How long does it take to get approved for a commercial mortgage?The approval process for a commercial mortgage can take anywhere from a few weeks to several months. This timeline depends on factors such as the complexity of the loan, the thoroughness of the documentation provided, the property's appraisal, and the lender’s underwriting process.
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What documents are typically required for a commercial mortgage application?Detailed property information and appraisal Business financial statements (income statements, balance sheets) Personal financial statements and tax returns of the business owner(s) Business plan or projections for income-generating properties Lease agreements (if applicable) Proof of down payment
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What is an amortization period in commercial mortgages?The amortization period is the time it takes to pay off the entire mortgage balance, including principal and interest, through regular payments. While loan terms may be shorter (e.g., 5, 10 years), the amortization period can be longer (e.g., 20, 25 years), which means that the borrower will need to refinance or pay a balloon payment at the end of the term.
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Are there government programs or incentives for commercial mortgages?Yes, there are government programs and incentives that may help with commercial mortgage financing, such as: Small Business Administration (SBA) Loans: In the United States, the SBA offers loan programs (like the SBA 504 Loan) to assist small business owners in purchasing commercial real estate. Incentives for Green Building: Some governments offer incentives or favorable loan terms for energy-efficient and environmentally friendly buildings.