Commercial Mortgage Brokerage, Your Path to Smarter Real Estate Financing

At Montgomery Lending, our core mission is to connect commercial real estate investors and businesses with the financing they need to thrive.

As expert mortgage brokers, we specialize in securing tailored loan solutions that power your property acquisitions, expansions, and portfolio growth.

With deep industry knowledge and a client-first approach, we make financing straightforward, seamless, and strategic.

What We Offer:

Customized Loan Solutions: Whether you’re buying retail centers, office buildings, industrial properties, or multi-family complexes, we match you with loans that fit your goals—competitive rates, flexible terms, and structures like fixed-rate, adjustable, or bridge financing.

Expert Navigation: Our seasoned team handles the heavy lifting, from underwriting to lender negotiations, simplifying complex processes and ensuring you get the best deal possible.

Free Property Acquisition Analysis: Evaluate your next purchase with confidence using our complimentary financial analysis, delivering key metrics like cash-on-cash return, cap rate, IRR, ROI, yield on cost, and more to guide your decisions.

Diverse Lender Network: We tap into a wide pool of lenders—banks, credit unions, private funds, and specialty financiers—to find options that align with your vision, even for unique or challenging deals.

Strategic Financial Guidance: Beyond loans, we provide insights on loan structuring, equity partnerships, and cash flow optimization to maximize your investment’s potential.

End-to-End Support: From initial consultation to closing, we’re with you every step, ensuring clarity, efficiency, and results.

Why Choose Montgomery Lending?

Local Expertise, Global Reach: Rooted in Mishawaka, we understand the regional market while leveraging national and specialty lenders for your benefit.

Client-Centric Focus: Your goals drive our process—we listen, strategize, and deliver solutions that work for you.

Proven Results: Our track record speaks for itself, helping investors and businesses secure financing for properties of all sizes and types.

CRE Investment Expertize that we offer: 

Market Conditions & Trends – Understanding economic cycles, cap rates, demand, and local market fluctuations.

Zoning & Land Use Regulations – Legal restrictions affecting how properties can be developed or repurposed.

Tenant Mix & Lease Structures – Triple-net leases, modified gross leases, and lease duration impacting property value.

Property Valuation Methods – Income approach, cost approach, and sales comparison for investment analysis.
Alternative Financing & Structuring Options

Mezzanine Financing – A hybrid of debt and equity financing for large-scale projects.

Preferred Equity – Investors provide funds in exchange for priority distributions before common equity holders.

Sale-Leaseback Arrangements – Businesses sell properties and lease them back for liquidity.

Debt Yield & DSCR Analysis – Key metrics lenders use to evaluate loan viability.

Tax & Investment Strategies

1031 Exchanges – Deferring capital gains taxes by reinvesting proceeds into a new property.

Opportunity Zones – Investing in designated areas for tax advantages and growth potential.

Depreciation Benefits – Leveraging tax write-offs to improve cash flow.

Development & Asset Management Considerations

Ground-Up Development vs. Value-Add Investments – Understanding risk vs. reward in new construction vs. property renovations.

Property Management Strategies – Optimizing operating expenses and tenant retention.

Capital Expenditures Planning – Long-term budgeting for upgrades and maintenance.

Exit Strategies – Selling, refinancing, or leveraging properties for portfolio expansion.