What
Loan Programs
~ Private Sector Capital for Commercial Loans ~
Ready to Move Beyond the Banks?
Stop waiting for traditional banks to say "no" or drag out your timeline for your borrower. Beyond the Banks Loan Programs connect you with the right capital sources for your commercial real estate opportunity—quickly, efficiently, and with terms that make sense for your deal - and, we have a great referral program for real estate professionals.
Whether your client is acquiring, refinancing, renovating or repositioning commercial property, or want an equipment financing loan, our network of private sector lenders, family offices, and specialty financing sources is ready to provide the capital you need, including Senior and Junior Debt. Here's our recipe for success:
  • Submit your complete deal for 24-hour initial review
  • Receive multiple competitive term sheets within 72 hours
  • Close your transaction in as little as 10 -20 days
  • Access flexible terms tailored to a specific situation
Why Choose the Power of Private Sector Lending?
Private Sector Lending, sometimes informally referred to as "Hard Money" or "EZ Money" loans, offers a flexible alternative to traditional commercial real estate financing. These loans are funded by a diverse array of privately held companies, family offices, and high-net-worth individuals who seek acceptable risk-reward scenarios through short-term notes and safely collateralized positions.
Solutions Tailored for 'Hard to Place' loans
Private Sector Loans provide a level of flexibility that traditional banks cannot match. While their rates may be higher than conventional mortgages, the speed, flexibility, and certainty of approval often make these solutions significantly more valuable for active investors and time-sensitive transactions.
Who Benefits from Private Sector CRE Lending ?
Commercial Real Estate Investors
Move quickly on value-add opportunities, fix-and-flip projects, or properties requiring immediate attention that banks won't finance.
Property Developers
Bridge financing for projects between phases, construction loans, or interim funding while arranging permanent financing plus Cannabis and Agra loans.
Real Estate Brokers - Referrals
Close deals with certainty your clients with reliable alternative financing options. Earn referral fees for introductions, no other responsibilities.
The Beyond the Banks Advantage
Traditional Bank Lending
  • 60-90 day approval/funding timelines
  • Extensive financial documentation
  • Rigid credit score requirements
  • Limited property type acceptance
  • Lengthy committee approvals
  • Restrictive debt to income ratios
Beyond the Banks Solutions
  • 7-21 day funding capability
  • Streamlined documentation process
  • Flexible credit considerations
  • Wide variety of property types
  • Unique transactions
  • Creative financing structures
When traditional bank lending falls short or can't meet your specific needs, 'Beyond the Banks' loan programs provide a critical advantage.
Competitive Rates
Typically ranging from 8% to 12.5%, rates vary based on property type, loan-to-value (LTV), borrower experience, and overall deal structure. These rates reflect the accelerated funding and inherent flexibility private loans provide.
Flexible Terms
Loan terms generally span from 6 months to 3 years, making them ideal for bridge financing, renovations, or property repositioning. Many lenders also offer extension options for added adaptability.
LTV Options
Loan-to-value ratios typically range from 55% to 70%, influenced by property type and borrower profile. Higher LTVs may be available for experienced borrowers with strong financial records or through additional mezzanine debt.
Payment Structures
Interest-only payments are a common feature, helping to preserve cash flow during critical renovation or lease-up periods. Some lenders also provide flexible payment solutions, including deferred interest options.
Join Our Referral Affiliate Team
Zero Upfront Commitment
Unlock new revenue streams for your commercial real estate business without any capital investment. Our program is designed to integrate seamlessly with your existing practice, creating immediate value, while honoring your relationship with your client referral.
Transparent Compensation
Benefit from a clear, straightforward commission structure. Our program requires no responsibility beyond the initial referral. We'll keep you informed every step of the way, ensuring you are fairly rewarded for your valuable contributions.
Experienced Team
Align with NextGen CRE Solutions Executive Team, trusted names in commercial real estate and banking. Our team has cumulatively closed over $2 billion in closed CRE transactions as principals, lenders and borrowers.
This referral offer is available in all states where permitted, please check your state licensing.
Contact us for a signed referral acknowledgement agreement, with specific details on referral fees, client and property reference.
Contact Us Today
Phone: Refer to Our Team Directory below
Locations: San Diego, Los Angeles, Las Vegas & Houston
Email: INFO@NextGenCREsolutions.com
Website: www.nextgencresolutions.com
Our dedicated business development team at NextGen CRE Solutions is ready to help you navigate commercial real estate financing complexities. Whether you have a specific project in mind or want to explore our services, we offer expert guidance and support to meet your capital needs.
NextGen CRE Solutions ~
Executive Team Directory
Whether you're seeking financing for a property acquisition, refinance, or development project—or you're a real estate professional interested in our referral program—our dedicated team is here to help. Our team cumulatively has completed over $2 Billion in CRE transactions nationwide. Our Team offers Commercial Real Estate Loans only.
Ashley Robotti, San Diego, CA
CEO NextGen CRE Solutions, Director, CommLoan
Robert Robotti, San Diego, CA
Agent, Blueeleven Capital Corp / NextGenCRE Solutions
Rick Smith. Las Vegas, Nevada
Nevada & California RE Broker; VP NextGen CRE Solutions
Janice Holland, Los Angeles, CA
Agent, Blueeleven Capital Corp / NextGen CRE Solutions
Bas Basyouni, San Diego, CA
Bank Broker, Strategic Partner of NextGen CRE Solutions
Martin Yu, Los Angeles, CA
Investor, Business Development, NextGen CRE Solutions
Dimitri Sioris, Los Angeles, CA
Business Development, NextGen CRE Solutions
Don McGraw, Houston, Texas
Family Office Director/Lender/investor
Mike Ahmari, Irvine, CA
CA & Texas RE Broker, NMLS
Our Referral Network
You are invited! Please contact us for details.
Introductions Only
Hi referral fees. recurring fees for same borrowers
Written Fee Agreement an transparency.
About Beyond the Banks
Beyond the Banks is a specialized commercial loan program, operating as a division of NextGen CRE Solutions, LLC. Portions of this Private Sector Lending program was designed for our Broker, Mike Ahmari, BluEleven, Capital Corp., a CA DRE licensed real estate brokerage based in Irvine, CA with Robert Robotti and Janice Jay Holland as BlueEleven agents for California lending only. Rick Smith, is a licensed Nevada and CA real estate broker (for his transactions only). Ashley Robotti also offers traditional commercial loans as a Director of CommLoan, a nationwide, tech based lending platform. Other parties are operating under a Business Development Agreement.
The primary advantage of Private Sector Lending extends beyond just the loan itself; it lies in enabling opportunities that would otherwise be unattainable for borrowers. When one can close a deal in two weeks instead of two months, acquire a property other investors can't finance, or complete crucial renovations without depleting capital, the slightly higher cost of capital becomes insignificant compared to the value created. Beyond the Banks specializes in delivering these precise solutions to maximize your success.
Equipment Financing:
Funding Your Operational Assets
Beyond commercial real estate, Private Sector Capital sources offer flexible financing for essential business equipment. These loans enable companies to acquire critical assets—from specialized machinery to advanced technology—without tying up working capital or waiting for lengthy traditional bank approvals. Here are some model cases:
$1 Million Equipment Loan
This loan model features a commercial kitchen build-out for a growing restaurant chain, covering industrial ovens, refrigeration, and bespoke cabinetry. Loan submission details include an established restaurant with strong financials, 3+ years operating history, and a minimum 650 credit score. Terms on a 24-month interest-only term can range from 8.5% to 11.5% interest, on the new equipment cost, depending on a wide variety of factors.
Beyond the Banks Loan Programs unlock access to Private Sector Lenders, providing tailored financing for critical equipment.
$6 Million Equipment Loan
This financing model features a heavy construction machinery package for a large-scale civil engineering project, including excavators, bulldozers, and specialized road-paving equipment. A reputable construction firm can meet due diligence requirements with verifiable project contracts, a robust balance sheet, and an established industry track record. Typical loan terms offer a 36-month term (12 months interest-only, then amortized) at 8.5% & up interest, on a 70% LTV on equipment, and potential for higher LTV on new purchases.
3 Case Study Models: Diverse Properties, Creative Solutions delivering results Beyond the Banks
California Self-Storage Expansion
Acquisition and expansion loan request to convert many existing units to climate controlled, increasing revenue and value.
Total Purchase Price = $4.8M.
Loan Request: $1.8M (62% LTV)
Buyer Equity: $1.6M
Traditional banks typically won't finance the expansion component. Our specialty lenders, however, understand the proforma projects 95% occupancy with premium rents on new units, significantly increasing property value and decreasing risk.
Miami Beach Redevelopment
Acquisition bridge loan for dated mixed-use property in Miami Beach for complete renovation, featuring 12 residential units and ground floor retain.
"As is" Purchase Price: $8M (at auction)
Loan Request: $5.2M (65% LTV)
Buyer Equity: $4.8M ($2M reserves)
Stabilized Value: $14M
Facing an auction, traditional financing will not be an option. Private sector capital can secure the bridge financing within 10-14 days, allowing the investor to purchase and immediately begin renovations. The 24-month bridge term will allow time for pre-leasing retail spaces and securing premium residential rental offers before refinancing the loan.
Austin Medical Office Building
Acquisition of a newly constructed medical office building in Austin, Texas, with a purchase price of $5M. The loan covers essential tenant improvement allowances, crucial for the two medical tenants ready to lease. The borrower will contribute $1.5M to close the purchase and $500K in reserves to be held by Lender for Tenant Improvements (37% of capital stack). Traditional banks would not typically provide sufficient financing for both acquisition and tenant improvements for unleased space. Our healthcare property loan specialist approves financing that includes TI reserves, and understands strong tenant credit profiles. The building's proforma anticipates 100% occupancy within four months, allowing the owner to refinance ahead of time.
Case Study 1: Phoenix Multifamily Renovation
The Challenge
In this model, an experienced investor identifies a 30-unit multifamily property in Phoenix, recognizing its tremendous upside potential.
  • Purchase price is $7M. Needs $1M for interior and exterior renovations.
  • Investor has $3M in equity
  • Local Bank offers $4M commitment as 1st Mortgage. Traditional lenders are unwilling to provide the $1M additional financing needed for the remodel.
Our Solution
Beyond the Banks can step in to secure a $1M second mortgage, crucial for funding and completing the renovation project. This is based on the assumption that, once stabilized post-renovation, the asset would command a pro forma value of $9M. The new combined loan amount of $5M against the stabilized value of $9M results in a favorable 55% cumulative loan-to-value (CLTV) for the bridge lender. We understand value add opportunities lie this and by leveraging the borrower's strong credit score (680+) and substantial net worth ($10M+), we recognize the borrower's capacity to refi at the stabilized value, allowing for the full repayment of the bridge loan within the two-year term.
$1M
Second Mortgage Funded
Capital for complete renovation
55%
Cumulative LTV
Conservative loan positioning
$9M
Stabilized Value
Pro forma property valuation
21
Est. Days to Close
From application to funding
The renovation is projected for completion within 12 months, with units upgraded to premium finishes and rental income increasing by 35%. The investor expects to successfully refinance into permanent financing within 18-24 months, paying off both the first and second mortgages. This deal exemplifies how alternative lending bridges the gap when traditional banks decline value-add opportunities, demonstrating a loan program that truly goes "Beyond the Banks."
Specialized Private Sector Lending:
Cannabis & Agriculture
Cannabis Industry Funding
Navigating the complex regulatory landscape, Beyond the Banks offers crucial private sector capital sources for licensed cannabis businesses. This includes funding for cultivators, processors, and dispensaries. Lender programs available support real estate acquisition, specialized equipment, and working capital, providing flexible terms where traditional banks often cannot. Our Team understands the unique needs of this rapidly growing market.
Agricultural Use Loan Requests
For farmers, ranchers, and agribusinesses, securing capital can be challenging. Our private lending solutions cater to diverse agricultural needs, from land acquisition and irrigation systems to specialized machinery and operational funding. Lenders offer adaptable terms that account for seasonal cycles and commodity fluctuations, providing the financial agility crucial for success in the agricultural sector.