Term Sheet Analysis:

Securing the Best Rates and Flexibility

At Montgomery Lending, we know that a term sheet is more than just numbers—it’s the foundation of your commercial real estate (CRE) financing strategy.

Our expert term sheet analysis service breaks down complex lending terms to ensure you secure the best rates, maximum flexibility, and a loan structure that aligns with your long-term goals.

Why Term Sheet Analysis Matters?

In a market where $957 billion in commercial mortgages are set to mature by 2025 and lenders are tightening underwriting standards, understanding the fine print of a term sheet can make or break your investment.

Our team demystifies loan terms, empowering you to make informed decisions that optimize cash flow, minimize risk, and enhance profitability for projects like multifamily acquisitions, hospitality investments, or adaptive reuse developments.

Our Process:

Clarity, Insight, and Value

✅Comprehensive Review: We analyze every detail—interest rates, loan-to-value ratios, debt service coverage requirements, and covenants—to identify potential risks and opportunities.

✅Rate Optimization: We compare lender offers to secure the most competitive rates, saving you thousands over the loan’s life. For example, we recently negotiated a 4.0% rate for a $10M multifamily loan, cutting annual interest costs by $150,000.

✅Flexibility Focus: We evaluate prepayment penalties, exit strategies, and recourse terms to ensure your loan supports future growth and adaptability.

Clear Recommendations: Our easy-to-understand breakdowns highlight the pros, cons, and long-term implications of each term sheet, so you can choose with confidence.

The Montgomery Lending Advantage

Our term sheet analysis goes beyond surface-level numbers.

We focus on your unique business plan, whether you’re scaling a portfolio or repositioning assets.

By prioritizing transparency and strategic insight, we help you avoid costly surprises and secure financing that drives success.

Key benefits include:

✅Cost Savings: Identifying better rates and terms to reduce interest expenses and boost returns.

✅Risk Mitigation: Spotting restrictive covenants or hidden fees that could limit your flexibility.

✅Strategic Alignment: Ensuring your loan terms support your investment timeline, cash flow needs, and exit strategy.

Why Act Now?

With cap rates stabilizing and debt yields at historic highs, the right loan terms can unlock significant value in today’s CRE market.

A poorly structured term sheet, however, could lock you into unfavorable conditions for years.

Our term sheet analysis ensures you’re positioned for success from day one.

Ready to Optimize Your Financing?

Let Montgomery Lending’s term sheet analysis unlock the best rates and flexibility for your next CRE investment.

Contact us today to review your loan options and build a financing strategy that works.

Start Your Analysis Now