When Time is Everything
Medical Office Bridge Financing in Buford, GA
“Fast Cash-Out“
The Challenge
A healthcare professional had built a successful practice over several years in the Atlanta market. The medical office building had appreciated significantly, and the owner wanted to access this equity for an external investment opportunity that required immediate capital.
The problem? The owner needed a cash-out refinance to liquidate the appreciated value, but traditional lenders couldn't move fast enough for the time-sensitive opportunity. Banks either required months of processing time or didn't understand the urgency of capturing investment opportunities when they arise.
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Why Banks Couldn't Help
- Rigid timelines: Traditional lenders needed months for committee approvals
- Complex underwriting: Banks struggled with owner-occupied medical office cash flows
- Investment timing: The borrower's opportunity required immediate capital deployment
- Documentation requirements: Conventional lenders demanded extensive paperwork that would have killed the deal timing
How Spectra Stepped In
We understood what the borrower needed wasn't just capital—it was certainty and speed. While other lenders were asking for more documentation, we were structuring a solution.
Our approach:
- Quick decision: Approved the loan based on the property's strong fundamentals and location in the Atlanta MSA
- Flexible terms: 3-month bridge loan with extension options built in from day one
- Common-sense underwriting: Focused on the property's value and the borrower's 9-year track record, not just spreadsheet ratios
- Fast closing: Moved from term sheet to funding while his opportunity was still available
When Plans Change, We Step Up
Here's what makes us different: when the borrower's permanent financing took longer than expected, we didn't just send threatening letters. We solved the problem.
As a busy healthcare professional focused on patient care, the borrower needed more time to secure long-term financing. Instead of creating stress, we:
- Provided three extensions without penalties
- Found a permanent lender and negotiated on his behalf
- Made the entire refinance process seamless
- Ensured the borrower kept his investment opportunity while getting the financing needed
The Bottom Line
When you have a time-sensitive opportunity and traditional financing can't keep up, Spectra Lending provides the bridge you need. We understand that successful real estate operators sometimes need creative capital solutions—and we're structured to deliver them quickly and reliably.
Need financing that moves at the speed of opportunity? Let's talk about your situation.
The Spectra Lending Difference
What sets Spectra Lending apart? Discover the key reasons below that make us different from other lenders.