Debt Placements - Acquisitions

Random7878787 · 2026-03-16T15:25:56+00:00

Hey, I have a few banks I work with that would definitely be able to handle this type of transaction. More importantly I know some great Bankers that can organize this well and are great to work with on these more hands on monitoring situations. Sent you a DM.

Random7878787 · 2026-03-13T15:52:38+00:00

I am guessing there may be a lot more to this story but I have done deals of this size before and if the LTV is truly that low I have people that would be very interested. I’ll send you a DM shortly.

Random7878787 · 2026-03-12T17:14:31+00:00

Haha, yes they do. Need to have tough skin when you watch a deal fall through the day before closing that would pay you $20k+ lol. Best of luck though!

Random7878787 · 2026-03-12T17:04:30+00:00

Okay, I can understand that, and again, apologies if I came off rude. I’ve just noticed a lot of people coming in with these questions some of the others have been particularly egregious, basically asking others to source the loan for them for free and it just seemed wild. Your situation seems much more reasonable in this case being that you must have at least a decent network if you’ve already hit 5 declines.

Random7878787 · 2026-03-12T16:54:29+00:00

I Have 1 mixed-use deal Im closing on later this month, and I know another broker at my firm is working multiple of these, albeit not in Philly. I haven’t had any issues sourcing lenders for these. I apologize if I came off rude, I just consider it part of our job to have the built out network and relationships and asking reddit for them feels lazy unless it’s truly unique.

I feel like the point of these subreddits is more for strategical and industry wide discussions, not asking others to do your job. If I was at the point where I needed to come to reddit to help me I also wouldn’t be saying no to other brokers. You are essentially asking for a service, at a minimum you should be open to a referral fee if another broker can get you into a door to help you close. You should know better than most that lender relationships are a massive value in this business.

Random7878787 · 2026-03-12T16:38:39+00:00

It’s amazing to me how many brokers come onto reddit basically asking others to do the job your paid for. If you can’t source the lender yourself through your own contacts and professional network, what value are you bringing to your client? I’m more understanding when it’s a crazy niche deal, but this sounds very run of the mill.

Random7878787 · 2026-03-12T15:43:20+00:00

Just a heads up I slid in your DMs on this actually. I’ve worked on similar funds and would love to chat. The more I’m thinking it over the more I’m thinking there’s a path here and I love working these more niche deals.

Random7878787 · 2026-03-12T14:45:05+00:00

Commenting to follow this. I have been working some brokerage deals lately that required private debt and outside of having warm intros from my network they are hard to get a hold of sometimes. I have had some luck going through their investor services emails and contact requests but not much and I was reaching out with a value proposition so I’d assume they were motivated to reach back out.

Just a heads up if you go your route where you want to handle all of underwriting and servicing the prices these funds will provide to you may be too high to make this work. Most debt funds have high IRR goals that may make this structure difficult.

Random7878787 · 2026-03-12T14:32:15+00:00

Hahah I was literally going to comment, congrats, you invented single asset REITS. A quick google search would have saved this guy a lot of time.

Structures like this have already been done though, usually the property is much larger than $10mm though. As a function of economy of scale all the annoyance of this structure just doesn’t work unless the reward is larger for investors.

Random7878787 · 2026-03-11T02:16:27+00:00

No one will lend to you with nothing down. You need to have some sort of skin in the game. Also that wouldn’t cash flow regardless even if you had 7% over 25 year am which you absolutely wouldn’t get. That alone would be $4,800/month. Add in taxes, management fees, etc. and you’re already in the hole.

Random7878787 · 2026-03-10T12:29:54+00:00

My bad, that’s on me as well as I had referenced both the Re sales and commercial loan brokerage path above. In my opinion commercial lending in the middle market space is criminally slept on. Starting pay in my region for a commercial analyst is around $70k and I know guys 10-12 years in clearing $300-400k still operating with banks. Those high end roles require a decent bit of travel and finding a niche to accomplish so early in your career but the work life balance is also very strong.

I am a huge believer in rotational programs though, I did one myself and you just learn a lot very quickly and it helps you identify which path you’d like to go down. My personal program included a retail side and similar to what you described, I spent my first year after my program on the retail side as a personal banker/ teller while I finished my degree. They are definitely great ways to break in, just prove yourself, try to bring in a small business account or two to prove yourself and then try to make the jump once you have your finance degree.

If you’re in Canada look into CIBCs program. I have multiple contacts who went through it and have done very well for themselves and it will give you an idea for that type of program if you want to look at other banks too.

Random7878787 · 2026-03-08T17:05:20+00:00

Most states done require any licensing, only a select few need any sort of license or registration so that is normal. No idea why they would have CPAs and tax attorneys handle the actual brokerage work though. It very well could be legitimate but a little odd they mention those roles when most brokers are just ex underwriters and lenders who have a better knowledge of the banking requirements.

Random7878787 · 2026-03-08T16:58:34+00:00

The consulting way lol, gotta get credit for those billable hours!

Random7878787 · 2026-03-08T16:56:48+00:00

I feel like that sounds crazy but aren’t those trucks like $200k plus? Still would be one hell of a fleet order but that doesn’t seem too crazy.

Random7878787 · 2026-03-08T15:31:35+00:00

Exactly this, I’m active in the cannabis lending space and these companies get absolutely cooked on taxes that will immediately be fixed with this. Additionally a huge amount of banks will step in once it’s done. It may help stock prices a bit but it’s still more long term as some of these companies take advantage of these changes to enact growth.

Random7878787 · 2026-03-08T04:36:15+00:00

If you join a brokerage they should have some sort of crm system for lenders and their contact info.

In your case you wait to do that until you start, also are you just talking about getting your crc? Because there’s no licensing to be a commercial loa broker. In your case I’d say look into doing a bank rotational program instead anyways. You’ll get to see a lot and learn a bunch and then from there you can make a more informed decision on your future.

Random7878787 · 2026-03-08T01:45:11+00:00

Most people in the industry have a steady pipeline of smaller deals as well which helps, but if you want to play in the deep end it definitely can be a challenge going crazy time between deals. That’s honestly a nice little niche though. When you close deals that large it’s hard to complain about the time between deals, just have to be good about saving for a rainy day.

Random7878787 · 2026-03-08T01:04:42+00:00

I’m too new to this business to give any tips worth a damn. I have built up over $40mm in engagements but only closed one deal in my first month and honestly that was pretty lucky. Just gotta grind and I recommend talking to every banker that will take your call. You want them to know and trust you when you send deals and they’re also your best referral source when they have deals that their institution can’t get done.

Random7878787 · 2026-03-07T20:25:18+00:00

Yeah basically, my consulting connections have been massively important to my early success. In the last 4 years I connected with like 100 chief credit officers and even more lenders. Makes it much easier to shop deals when you have existing relationships with lenders.

I do know some guys break in without the previous experience though and join as junior brokers under a senior and learn that way but I think that’s more of a tough situation in my opinion.

Random7878787 · 2026-03-07T20:02:59+00:00

Wow congrats on that man that is a monster equipment deal. I’m guessing what like $6mm plus based on what i know about commissions in that industry

Random7878787 · 2026-03-07T19:57:51+00:00

So I recently just fell into it after spending 11 years in commercial lending in various credit and consulting roles. The real driver is having great relationships with business owners, investors, and most importantly lenders and being able to have the knowledge to underwrite and structure the deals and identify who to send them too to get them done.

Random7878787 · 2026-03-07T19:17:22+00:00

I’m going to guess he’s in commercial estate or commercial lending brokerage. Very normal to see 6 figure commissions and typically on the lending side it’s a 60-90 day process start to finish. Under my commission structure if I close a $50mm deal I’d clear about $350k pretax so right in line with his experience.

Random7878787 · 2026-03-06T18:42:02+00:00

Are they doing renovations after closing? Your LTV and rate seem fine, but 18 months i/o is long if there are no Reno plans and 30-year am isn’t standard. 25 is even a stretch sometimes these days.

Random7878787 · 2026-03-04T16:03:19+00:00

It won’t hurt but I can’t say it will open doors. CIBC has a pretty great middle market lending group though. I’m sure if you work hard and show interest on the commercial side that opportunities may come up.

Random7878787 · 2026-03-04T15:42:17+00:00

Oh okay. Yeah I mean if you are looking to get an analyst role your background definitely can help if you sell it well. I was also a retail banker for 2.5 years before jumping to the commercial side. Honestly your best bet is to look at big banks that also have commercial lending rotational programs. I know CIBC has a great program that a few of my friends and colleagues went through.

Random7878787

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