Product Overview

Commercial Real Estate Financing

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Every commercial property presents its own unique opportunities and challenges. Every borrower has their own particular objectives. With our in-depth real estate financing experience and hands-on practical approach, Esquire addresses all three to get your deal done—effectively and efficiently.

Acquisition Loans

Investing in commercial real estate? Esquire Bank is here to deliver a competitive financing package that will assist you in making the acquisition quickly and profitably—with a personal, professional approach during every step.

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Features

  • Favorable loan-to-purchase-price (LTPP) ratios of up to 75%

  • Debt-service-coverage ratios (DSCR) as low as 1.20x for properties with strong cash flow

  • Highly competitive rates and fees with flexible terms and conditions

  • Multifamily, mixed-use, and industrial properties preferred; other uses considered more selectively

  • New York metro, Long Island, Westchester, and New Jersey markets preferred; other areas considered more selectively

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Refinance Loans

Refinancing an existing commercial real estate loan? Esquire Bank offers competitive rates, creative structures, and superior service that can improve profitability and streamline the refinancing process.

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Features

  • Favorable loan-to-value (LTV) ratio of up to 75%

  • Debt-service-coverage ratios (DSCR) as low as 1.20x for better cash flow

  • Highly competitive rates and fees with flexible terms and conditions

  • Loan amounts from $2 to $15 million

  • Multifamily, mixed-use, and industrial properties preferred; other uses considered more selectively

  • New York metro, Long Island, Westchester, and New Jersey markets preferred; other areas considered more selectively

Transitional Loans

Designed to finance value-added enhancements for properties to reach their market potential (renovations, lease up), transitional lending expertise is a key strength of Esquire Bank.

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Features

  • Favorable loan-to-value (LTV) ratios of up to 70%

  • Debt-service-coverage ratios (DSCR) as low as 1.25x for properties with strong cash flow

  • Customized structures and solutions to meet your specific financing needs

  • Multifamily, mixed-use, and industrial properties preferred; other uses considered more selectively

  • New York metro, Long Island, Westchester, and New Jersey markets preferred; other areas considered more selectively

  • Highly competitive rates and fees with flexible terms and conditions

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Owner-Occupied Loans

At Esquire Bank, our dedicated commercial real estate team can help your business make the most of your ownership in your property in a timely manner and at competitive terms.

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Features

  • Favorable loan-to-value (LTV) ratios of up to 70%

  • Debt-service-coverage ratios (DSCR) as low as 1.25x for properties with strong cash flow

  • Customized structures and solutions to meet your specific financing needs

  • Multifamily, mixed-use, and industrial properties preferred; other uses considered more selectively

  • New York metro, Long Island, Westchester, and New Jersey markets preferred; other areas considered more selectively

  • Highly competitive rates and fees with flexible terms and conditions

Working Capital Line of Credit

This flexible revolving line of credit from Esquire Bank provides access to funds when you need them and can support gaps in your firm’s short-term cash flow needs.

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Features

  • Access funds when needed

  • Utilize funds to Invest in your firm’s resources

  • Repayment options available

  • Highly competitive rates and fees with flexible terms and conditions

Ready to succeed boldly? We are too.

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