Commercial & Business Financing · New York

Commercial capital, structured around the business.

Financing advisory and loan brokerage for business owners, investors and the CPAs who advise them. I look past the rate to cash flow, flexibility, risk and where the business needs to be five years from now.

Discuss a financing need For CPAs and advisors

The lowest rate isn’t always the best financing decision.

A loan is one piece of a larger capital decision. Amortization, interest-only periods, prepayment terms, seller financing and maturity dates can matter more to a business than a quarter point of rate. My work is to find the structure that fits the operating reality, then the lender that will fund it.

Explore

How I can help

How I work

Four steps from the first conversation to the closing table.

Financing programs

SBA, conventional, multifamily, bridge and construction financing.

Illustrative scenarios

How structure, not just rate, changes the outcome of a deal.

For CPAs and advisors

What happens when you refer a client, and what lenders ask for.

How I Work

From the first conversation to the closing table

One advisor through the whole process, coordinating with your CPA and attorney rather than working around them.

Understand the business

Cash flow, tax returns, add-backs, existing debt and the goal behind the request. The structure starts here.

Structure the capital

Leverage, amortization, interest-only periods, seller notes and maturities, weighed against risk and flexibility.

Match the lender

SBA lenders, community and regional banks, or private capital, chosen for the deal’s profile and timing.

Manage to closing

Package preparation, lender questions, appraisal and environmental reports, and clear updates to everyone involved.

Have a financing need in mind? A short conversation is the best place to start.

Discuss a financing need

Financing Solutions

Capital for owners, operators, investors and developers

More than twenty-five financing programs across government-guaranteed, conventional, bridge and construction lending. The right fit depends on the business, the property and the plan.

Government-guaranteed business loans

Longer terms and lower down payments, backed by federal guarantee programs.

SBA 7(a) loans

The most flexible SBA program: business acquisitions, partner buyouts, expansion, working capital, equipment and owner-occupied real estate, up to $5 million.

Typical useEstablished businesses and buyers of a business

SBA Express loans

Smaller SBA loans with a streamlined approval process and faster access to capital.

Typical useWorking capital and modest expansion needs

SBA 504 loans

Long-term, fixed-rate financing for owner-occupied real estate and major equipment, with a low down payment.

Typical useBuying or building the facility a business operates from

USDA Business & Industry loans

Government-guaranteed financing for businesses located in eligible rural communities, including larger loan sizes.

Typical useManufacturers, processors and rural employers

Rural energy financing

Loans for renewable energy systems and energy-efficiency upgrades for rural businesses and agricultural producers.

Typical useSolar, efficiency and energy-cost reduction projects

Industry-focused programs

Programs designed around specific business types, including franchises, car washes, gas stations and convenience stores, liquor stores, professional practices and veteran-owned businesses.

Typical useOwners in specialized industries

Conventional commercial and business lending

Bank financing for operating companies and commercial property.

Owner-occupied commercial real estate

Purchase or refinance the office, warehouse, clinic or facility your business operates from.

Typical useProfessional practices, distributors, contractors

Investment property loans

Long-term financing for office, retail, industrial, mixed-use and other income-producing property.

Typical useCommercial real estate investors

Fixed-rate permanent loans

Long-term, amortizing financing for stabilized commercial and multifamily property.

Typical useOwners seeking predictable payments

Commercial & industrial loans

Term loans for expansion, equipment, technology and vehicles, structured around the company’s cash flow.

Typical useOperating businesses investing in growth

Working capital lines of credit

Revolving facilities that smooth cash flow, fund inventory and support day-to-day operations.

Typical useSeasonal and receivable-heavy businesses

Specialty and middle-market finance

Larger, customized facilities for growth, recapitalization and strategic expansion.

Typical useLower-middle and middle-market companies

Multifamily financing (5+ units)

Capital for apartment buildings, from acquisition through stabilization and long-term hold.

Small balance agency multifamily

Long-term, fixed-rate agency financing for smaller apartment buildings.

Typical useStabilized 5+ unit properties

Multifamily bridge and value-add

Short-term financing to acquire, renovate and reposition apartment buildings under a business plan.

Typical useInvestors improving occupancy and rents

Stabilization and lease-up loans

Bridge financing that carries a property through lease-up until it qualifies for permanent debt.

Typical useNewly completed or recently renovated buildings

Bridge-to-agency

Bridge financing designed from the start to refinance into long-term agency debt once the property stabilizes.

Typical useValue-add plans with a defined exit

Bridge and transitional loans

Speed and flexibility when timing, property condition or a business plan doesn’t fit a bank yet.

Commercial bridge loans

Short-term financing for acquisitions, refinances, partner buyouts and properties in transition, with fast execution.

Typical useTime-sensitive or transitional deals

Bridge-to-permanent

One relationship that carries a property from bridge financing to long-term permanent debt.

Typical useInvestors who want a planned exit

Cash-out bridge

Short-term liquidity from an existing commercial property’s equity.

Typical useFunding the next acquisition or project

Large opportunistic bridge

Larger, complex transitional loans for unique assets and situations.

Typical useSizable or non-standard transactions

Net-lease retail loans

Financing for single-tenant, net-leased retail property.

Typical useOwners of NNN-leased buildings

Condo inventory loans

Financing secured by unsold units in a completed condominium project, giving developers time to sell.

Typical useDevelopers repaying construction debt

Construction and development

Capital from ground-up through completion, with draws tied to progress.

Ground-up construction

Financing for new multifamily, build-to-rent, condominium, industrial and commercial projects.

Typical useExperienced developers and sponsors

Construction-to-bridge

Construction and bridge financing combined into one loan with one set of documents and a lower blended cost.

Typical useProjects that will lease up after completion

Substantial rehabilitation

Funding for major renovations, repositioning and site development.

Typical useValue-add and adaptive reuse projects

Project finance

Capital for real estate, energy and infrastructure development projects.

Typical useLarge-scale development and energy projects

Structured and special situations

Creative capital when a conventional structure isn’t available.

Note-on-note financing

Financing secured by an existing mortgage note, providing liquidity to the note holder.

Typical useLenders and note investors

Rescue and solution capital

Customized capital for recapitalizations, maturities, partner disputes and other complex situations.

Typical useProperties or businesses facing a deadline

Programs are offered through third-party lenders and are subject to each lender’s credit approval, underwriting and guidelines. Availability, terms and eligibility vary and may change without notice. Empire Bridge Capital does not arrange residential mortgage loans.

Lender Relationships

The right capital source for each deal

Deals are placed with third-party lenders selected for the borrower’s profile, the property and the timeline.

SBA lenders

Preferred lenders for 7(a) and 504 financing, including acquisitions and owner-occupied real estate.

Community and regional banks

Conventional commercial mortgages, lines of credit and relationship-based lending.

Private and bridge capital

Speed and flexibility for transitional properties, tight timelines and complex situations.

Have a financing need in mind? A short conversation is the best place to start.

Discuss a financing need

Illustrative Scenarios

How structure changes the outcome

Examples of the questions that shape a commercial financing decision. They are illustrations, not client results.

Owner-user · Warehouse

Buying the building, with the seller as a partner in the financing

Situation: A distributor wants to buy its warehouse. The seller is willing to carry a note, and the buyer wants low payments for the first five years while the business invests in racking and inventory.
Structure considered: A bank first mortgage with a partial or full interest-only period, a subordinate seller note, and a seller-note maturity set after the bank loan’s so both don’t come due together.
Why it mattered: Interest-only preserves cash today but leaves the full balance to refinance later. Getting the maturities and prepayment rights right protected the business from a forced refinance.

Professional practice · Office

SBA or conventional for a practice buying its next location

Situation: A multi-location practice wants to own its newest office instead of leasing it, and is comparing quotes from several lenders.
Structure considered: An SBA loan with a lower down payment and longer amortization, compared side by side with a conventional bank loan that needs more cash at closing but carries fewer fees.
Why it mattered: The cheaper-looking quote is not always cheaper. Down payment, guarantee fees, prepayment terms and liquidity left in the business all belong in the comparison.

Acquisition · Operating business

Financing the purchase of an established company

Situation: An experienced manager wants to buy the company where they work. The owner is retiring and open to some seller financing.
Structure considered: SBA acquisition financing combined with buyer equity and a seller note, sized to the company’s historical cash flow rather than projections.
Why it mattered: Debt service coverage decides these deals. Clean financials and a CPA-supported view of add-backs often matter as much as the purchase price.

Franchise · SBA 7(a)

Buying into a franchise with limited liquidity

Situation: A corporate manager wants to open two locations of an established franchise but has only a portion of the startup cost in cash.
Structure considered: SBA 7(a) financing covering build-out, equipment, initial inventory and working capital, with the franchise brand’s track record supporting the underwriting.
Why it mattered: The structure kept the down payment manageable and preserved cash for the first months of operation, which is when most new locations need it.

Multifamily · Value-add

Repositioning a 24-unit building, then locking in long-term debt

Situation: An investor is buying an older apartment building with below-market rents and units that need renovation.
Structure considered: A short-term multifamily bridge loan to fund the purchase and renovations, designed from the start to refinance into long-term agency financing once occupancy and rents stabilize.
Why it mattered: Planning the exit before closing mattered. The bridge terms, renovation budget and lease-up timeline were sized to the permanent loan the property would need to qualify for.

Construction · Build-to-rent

Ground-up development without two separate closings

Situation: A developer plans a new build-to-rent community and expects a lease-up period after construction is complete.
Structure considered: A construction-to-bridge loan that funds construction through progress draws, then converts to bridge financing at completion under one set of loan documents.
Why it mattered: One loan avoided a second closing, a second set of fees and refinance risk at the most uncertain point in the project, between completion and stabilization.

Partnership · Commercial bridge

Buying out a partner on a tight deadline

Situation: Two partners own a mixed-use building. One wants out within sixty days, and the remaining owner can’t arrange bank financing in time.
Structure considered: A short-term commercial bridge loan to fund the buyout quickly, followed by a refinance into long-term permanent financing once the ownership change is complete.
Why it mattered: Speed came at a higher short-term cost. Weighing that cost against losing the building or a forced sale made the bridge the right tool for a temporary problem.

Rural business · USDA

Expanding a manufacturing plant in a small community

Situation: A food processor located outside a metropolitan area needs a larger facility and new equipment to meet growing demand.
Structure considered: A USDA Business & Industry guaranteed loan for the real estate and equipment, with an energy-efficiency component evaluated under a rural energy program.
Why it mattered: Rural location was an advantage, not an obstacle. The guarantee supported a larger loan and longer terms than a conventional bank loan alone would have offered.

Condominium · Inventory loan

Giving a developer time to sell the last units

Situation: A condominium project is complete and most units are sold, but the construction loan is maturing with several units still on the market.
Structure considered: A condo inventory loan secured by the unsold units, repaying the construction lender and allowing the remaining units to sell at market prices.
Why it mattered: Without it, the developer faced discounting units to meet the maturity. The inventory loan turned a deadline into a sales period.

Seasonal business · Working capital

Smoothing cash flow through an uneven year

Situation: A landscaping and snow-removal company earns most of its revenue in a few months but carries payroll and equipment costs all year.
Structure considered: A revolving working capital line sized to the seasonal cash cycle, with equipment financed separately on a term loan matched to its useful life.
Why it mattered: Separating short-term needs from long-term assets kept the line available for its real purpose and avoided financing trucks with revolving credit.

Scenarios are hypothetical and for illustration and educational purposes only. Terms, structures and outcomes vary by borrower, property and lender.

Have a financing need in mind? A short conversation is the best place to start.

Discuss a financing need

For CPAs and Advisors

A financing resource that complements your advice

Your client relationship stays yours. I handle the financing and keep you informed, so you can introduce me with confidence.

You make the introductionA short email or call with the client’s goal is enough to start.
I review the full pictureReturns, interim financials and debt, with your view of the add-backs where it helps.
You see the optionsWith the client’s permission, I share the structures under consideration and the tradeoffs.
You stay in the loopUpdates at each milestone, from term sheet to closing, without extra work on your side.

Have a financing need in mind? A short conversation is the best place to start.

Discuss a financing need

Start a Conversation

Tell me about the business and what you’re trying to accomplish

A short description is enough. I’ll follow up to talk through the situation before anyone pulls credit or collects documents.

Anastasios Zervas Commercial & Business Financing Advisor 347.248.8019 · tassos@empirebridgecapital.com

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