Fee Schedule

Please see below our Fee Schedule for Commercial Real Estate loans brokered with Banks, Credit Unions, Bridge Lenders, Non-QM Lenders, Private Lenders, and other lender types. The borrower pays these fees in most cases. If the lender pays our fee, such as with some SBA7(a) loans and private lender loans, then we may not need to request a fee from the client.

Full Service: (Standard Process for Commercial Transactions) 

· Initial Consultation (Zoom or In-Person)

· Fee Agreement Signed

· View Property (In-Person if possible)

· Document Collection from all Owners/Guarantors

· Financial Analysis for the Subject Property & Guarantor Analysis

· Prepare Lender Presentation

· Submit Request to lenders who finance that property type

· Provide Lender Terms in Quote Matrix and collect Term Sheets, Lender Chosen

· Approval Process-Facilitate Lenders’ Questions with Client

· Coordinate with all parties to the transaction (Real Estate Agents, Insurance Agent(s), Attorneys, Title Companies, Lender, and Owners)

· Review Settlement Statement, Closing

Full Service: (Borrower Pays Fee at Closing through Settlement Statement)

The Fee Schedule below is for Existing Properties or for Properties with minor renovations that require Bank or Credit Union financing. If the request is for a Construction Loan, there is typically another .25% to .50% added to the fees below. If this is an SBA 7(a) transaction where the lender pays us, then we may not need to collect a fee from the client. If the request is a Non-QM Residential Loan or a DSCR Loan, the fees below do apply but may be offset by a Lender Credit, if available. The Lender Credits are usually available from Non-QM Lenders for Residential Loans and DSCR Loans. If we have an agreement with the lender for our Lender Paid Compensation, then we would not collect an origination fee.

Please Note: These fees may be adjusted based on the complexity of the loan.

Loan Size:                                              Fee Range:                          

$500,000 to $749,999                        1.75%-2.00%  

$750,000 to $999,999                       1.50%-1.75%

$1,000,000 to $1,999,999                 1.25%-1.50%

$2,000,000 to $4,999,999                 1.00%-1.25%

$5,000,000 to $9,999,999                 0.90%-1.15% 

$10,000,000 to $14,999,999            0.80%-1.05%

$15,000,000 to $19,999,999            0.70%-1.00%

$20,000,000+                                      Negotiable (Depends on loan amount)

The fees above are based on Central Avenue Capital being paid at closing with no upfront fees being paid by the client. For Commercial Transactions, if the client is willing to pay an upfront non-refundable $2,500.00 fee to cover our initial time and expenses (since most deals take 60-90 days to close or more) then we are willing to negotiate a lower fee. 

For Non-Real Estate secured loan transactions, we will discuss our fees separate from the Fee Schedule above. We want to make sure our fee makes sense for the loan request.

For Residential Transactions, we typically use a 3rd party processor to make it a smoother process and they charge a $995 Fee to facilitate this. This fee will be added to the closing costs. They do an excellent job!

For Non-QM Residential, our fee can be easily covered by a slightly higher rate which provides a credit to offset our Origination Fee. In other cases, we have an agreement with the lender for Lender Paid Compensation, and in those cases, there would not be an Origination Fee charged.