Our Services

Besen Capital provides the following loan products:

Fixed-Rate Mortgage/Balloon
A mortgage with an interest rate that remains constant for the term of the loan. Many opportunities exist with fixed-rate loans. We at Besen Capital are always ready for negotiation on interest rates, mortgage lending, loan-maturity and prepayment penalties. Because of our strong relationships with banks and lenders, Besen Capital can provide the lowest fixed interest rates. Our clients can feel secure knowing that the rate will not change throughout the entire life of the loan. Here is a brief example of a Fixed-Rate Loan: A fixed-rate mortgage is originated with an interest rate of 5% for a term of 30 years. The rate will remain at 5% until the loan self-amortizes, or the due-on-sale clause is exercised upon resale of the property. Example of Balloon: a 5% fixed rate loan for a period of 5 years, amortized over a period of 30 years. The balance of the loan would be due at the end of the fixed rate period (i.e. 5 years.)

Adjustable Rate Mortgage (ARM)
A mortgage that is adjustable during the life of the loan on a basis that has been predetermined. This loan is based on a fixed spread above a predertmined index, and typically floats. Monthly payments can go up or down as the rate is adjusted. Many recent borrowers have chosen ARMs to take advantage of the historically low interest rates of the past few years. Example: A person obtains an ARM to finance the purchase of the property. After a 2-year period, the lender may adjust the rate of interest on the loan in accordance with an established index.

Development/ Renovation Financing
A loan made to finance development and renovations on land. Usually, it is a short-term loan utilized by borrowers to finance building costs. Every development/renovation loan and financing varies depending on the product, the length of the construction process and the borrower`s experience. Besen Capital can help each client individually to find the best source, rate and term for development/renovation financing.

Bridge Loan
A short-term loan that is used until a person or company secures permanent financing or removes an existing obligation. It is essentially the mortgage financing that falls in between the termination of one loan and the beginning of another loan. This type of financing allows the user to meet current obligations by providing immediate cash flow. The loans are short-term (up to two years) and are backed by some form of security such as real estate or inventory.

Mezzanine Loan
A loan below the first mortgage in priority and has other liens or equity subordinate to it. It is typically used to finance the expansion of existing real estate or assets. Mezzanine loans can be used in financing a . Whether it will be structured as partnership debt or preferred equity, a mezzanine loan can be an integral component for a real estate owner or developer in many diverse circumstances. The mezzanine usually equals the difference between the first mortgage lending amount and 85-90% of the purchase price. Besen Capital has experience in evaluating options for our borrowers in this increasingly utilized financing product for a variety of real estate transactions.

Credit Lines
Besen Capital’s credit line is an easy way to borrow. Request a credit line today and have funds available when you need it. Interest doesn`t begin until the funds are used. The advantage of a line of credit over a regular loan is that you typically don`t pay interest on the part of the line of credit that you don`t use. A credit line is not just a loan; it can be vital to you and your property on a rainy day.
Equity and Joint Venture Financing
A loan that uses the borrower`s equity in real property as collateral. Equity loans may be used for variety of purposes. Joint venture financing is the utilization of mortgages that can help you, the client, maximize cash flow potential. A joint venture is similar to a general partnership. However, it is created for one specific project only, rather than for a long-term business relationship. Joint ventures are used in real estate development as a means of raising capital and spreading risk.

Small Business Real Estate Loans
Besen Capital is a good source for small business loans and financings of all types. Small business loans can be used for the purchase of owner occupied or investment real estate, construction, renovation or leasehold improvements. No matter what interests you, we have the knowledge and expertise to provide you with the money that you need.

Besen Capital finances the following property types:

Multi-Family/Apartment
Whether it`s a condominium, co-op, or apartment building. Besen Capital has experience with with all types of multi-family property loans. Our strong relationship with lenders allows us to offer competitive aquisition financing or refinancing with maximum creativity and diversity in terms, rates and lending sources.

Mixed-Use
Without the right experience, financing a Mixed-Use property can be quite tricky. An example might include a high-rise building with retail shops on the first two floors, and office space on the remaining floors. Or an apartment building, with a restaurant on the ground floor . Besen Capital will evaluate your Mixed-Use property, and help you navigate through the sometimes tricky waters, in positioning the property for the best possible rates and terms.

Co-op Underlying Mortgages
Ownership in which the residents of a multi-unit housing complex own shares in the cooperative corporation that owns the building. Besen Capital has proficiency and experience in providing the financing for underlying co-op loans; and will serve as a consultant and advisor to the cooperative board in procuring the best possible terms and structure for your particular building`s needs.

Office
A structure in which business or professional activities are conducted. There are plenty of opportunities for owners and developers in the office financing market today. Besen Capital can provide you with competitive spreads and flexible terms. Our experiensed staff will offer practical solutions to your problems regarding leasing issues, complicated ground leases or needed improvements.
Retail
A retail property sells goods to consumers, such as a store or a shopping center. The retail market has been a strong component of the overall real estate market in the past couple of years. Besen Capital can offer you a variety of financing payment plans and loans; as a result you will increase your revenues and maximize profits. We at Besen Capital will help you to meet your business’s goals.
Warehouse/Industrial
A property used for industrial purposes, such as factory, storage, and light manufacturing uses. Presenting these deals in the right fashion to lenders is often the key; Besen Capital has the know-how to present and negotiate financings for you on these often tricky deals. Besen Capital will work with you on your purchase, refinance, or cash out mortgage for your warehouse/industrial property.

Commercial Co-ops and Condos
Commercial property designed for use by retail, wholesale, office, hotel or service users. At Besen Capital we offer commercial co-op and condo financing. With the variety of programs that we have avaialble, we help each business fit thier specific needs.

Hotels/Hospitality
Besen Capital knows the everchanging, extrmemely popular, hotel market. Our specialists have knowledge and experience in all areas of the hospitality industry. Whether you are acquiring, refinancing, or just wanting to get some extra cash out of your hotel/hospitality investment, Besen Capital can helpo you maximise your investment.
Self Storage
A commercial facility where customers can rent space to store possessions. Besen Capital identifies self-storage as an investment property industry, and can advise you with a variety of self-storage financing, whether you are interested in building or expansion of self-storage facilities.
Net Leased
A property lease in which the lessee agrees to pay all expenses normally associated with ownership, such as utilities, repairs, insurance and taxes. Besen Capital is here to help you meet your financing goals.
Owner Occupied
The popularity of owner occupied loans is growing every day. Besen Capital provides financing for a variety of owner-occupied businesses, such as local studios, advertising agencies, restaurants and manufacturers. Let Besen Capital help you grow your busines; Why rent the space, if you can buy it!