Commercial Refinance + Cash-Out

Strategic Refinancing for Income-Producing Property

A commercial refinance isn’t just about lowering your rate.

It’s about improving structure, increasing flexibility, unlocking equity, and positioning your portfolio for what’s next.

Whether you’re refinancing to reduce debt service, extend your term, pull cash out for renovations, or fund your next acquisition — the right lender and structure make all the difference.

At Broadview Lending powered by Barrett Financial, we evaluate your current loan, property performance, and long-term goals — then take your deal to market to secure the strongest available options.

When Refinancing Makes Sense

Refinancing may be the right move if:

Your current rate is above today’s market
Your loan is maturing or nearing balloon
You’ve improved occupancy or NOI
You want to remove or reduce recourse
You need capital for renovations or improvements
You’re repositioning the asset
You’re planning your next acquisition

The right refinance isn’t reactive — it’s strategic.

Our Approach to Commercial Refinancing

1️⃣ Evaluate the Current Position

We begin with a detailed look at:

Current loan structure (rate, amortization, prepay penalties)
Remaining term and balloon timeline
Property income and operating performance
Debt service coverage
Equity position and valuation trends
Sponsor liquidity and long-term objectives

Every refinance has context. We structure around it.

2️⃣ Take the Deal to Market

Instead of submitting to one bank, we shop your refinance across a network of 3,000+ commercial lenders and 1,000+ programs, including:

Banks and credit unions
Agency (Fannie / Freddie) for multifamily
CMBS
Life companies
Debt funds
SBA (for owner-occupied scenarios)
Bridge or transitional lenders

We compare:

Interest rate
Loan-to-value
Amortization
Cash-out capacity
Recourse vs. non-recourse
Prepayment terms
Reserve requirements
Timeline to close

You review structured options — not just a single quote.

3️⃣ Positioning for Cash-Out

If you’re pulling equity, we’ll determine:

Maximum safe leverage
Impact on DSCR
Optimal amortization structure
Whether partial recourse improves pricing
How the structure affects future sale or refinance

Equity access is powerful — but structure matters.

Cash-Out Strategies We Commonly See

Renovation and value-add improvements
Expanding into another property
Recapitalizing investor partners
Building liquidity reserves
Paying down higher-cost debt
Portfolio repositioning

The goal isn’t just extracting equity — it’s deploying it intelligently.

Who This Is Best For

Owners of stabilized income-producing property
Investors looking to reposition equity
Sponsors approaching loan maturity
Portfolio owners planning future acquisitions
Owners improving NOI and seeking stronger terms

If your property has performed well and your loan no longer fits your strategy, it may be time to revisit structure.

Why Not Just Refinance with Your Current Bank?

Going back to the same lender can be simple — but it may not be competitive.

Each lender has its own credit box, appetite, and underwriting philosophy.

When we take your refinance to market:

You gain competitive leverage
You compare multiple structures
You increase flexibility
You reduce the risk of one limited option

Commercial lending isn’t just about refinancing.
It’s about re-positioning.

Let’s Evaluate Your Options

If your loan is maturing, your property has improved, or you’re considering accessing equity — let’s run the numbers.

We’ll review your current position and outline realistic refinance paths before you commit to anything.

Talk to Chris Butler
📞 (206) 222-5650
✉️ cbutler@barrettfinancial.com

Or submit your property details and we’ll map out next steps.