Life Company Financing
Long-term, fixed-rate capital for stabilized assets when certainty and flexibility matter.
Life-company financing can be a strong fit for stabilized assets when fixed-rate certainty matters. It must still fit the asset, leverage need, and hold strategy.
These lenders are selective. A strong case starts with a stabilized asset, durable cash flow, sponsor strength, and a realistic leverage request.
Life Company vs. CMBS — When Each Makes Sense
Life-company and CMBS executions present different trade-offs around proceeds, pricing, prepayment, servicing, and flexibility. Compare them in the context of the business plan—not on headline spread alone.
When a deal fits both paths, we help compare the practical trade-offs before you go to market.
Typical Deal Parameters
| Loan Size | $10M to $500M+ |
| Leverage | 55–65% LTV (typical); up to 70% for strong assets/sponsors |
| Rate | Fixed; 10+ year Treasury spread (typically 130–200 bps) |
| Term | 5 to 30 years |
| Recourse | Non-recourse with standard carve-outs |
| Asset Types | Multifamily, industrial, office, retail (anchored), mixed-use |
Own a stabilized asset? Assess the leverage, hold strategy, and operational flexibility you need before selecting a permanent-debt path.