Capital Advisory for Originators, Factoring, CMBS, and Bridge
PeerSense is not the lender
CRE, CMBS, and bridge from $10 million. Factoring from $20 million a month. Originator focus is $100 million a month.
Talk to PeerSenseWhat is an independent capital advisor and how does one work?
An independent capital advisor represents the sponsor on a single commercial real estate deal and sources CMBS, bridge, agency, asset based, and private credit term sheets. Talk to PeerSense. The capital source sets the terms. PeerSense is paid at closing only. For $10 million and up middle market CRE debt, more than one capital source can fit the file.
, PeerSense Capital Advisory · Updated May 19, 2026
Capital Advisor FAQs
What is an independent capital advisor in commercial real estate?
An independent capital advisor represents the sponsor on a single commercial real estate deal and sources CMBS, bridge, agency, asset based, and private credit term sheets. Talk to PeerSense. The capital source sets the terms. PeerSense is paid at closing only. For $10 million and up middle market CRE debt, more than one capital source can fit the file.
How is an independent capital advisor different from a CRE broker?
A CRE broker (the commercial real estate brokerage role) markets property listings and represents seller or buyer interests on the asset side of a transaction. An independent capital advisor sits on the debt side: sourcing senior loan term sheets across CMBS, bridge, agency, asset based, and private credit for a single sponsor's deal, then structuring the capital stack. The two roles complement each other on a transaction but do different work: the broker moves the property, the advisor places the debt.
How does an independent capital advisor get paid?
PeerSense is paid at closing by the placed lender. The fee is earned only when the deal funds, which keeps the advisor's incentive aligned with closing the right deal rather than pushing a mismatched submission through underwriting. CMBS transactions follow market norms where a portion of the advisor fee may be borrower paid alongside lender compensation.
When should I hire an independent capital advisor instead of going direct to a lender?
Going direct to a single lender means accepting one program's pricing, credit box, and structure on a deal that may fit a different capital source better. Hire an independent capital advisor when the deal is $10 million and up, when more than one capital source could plausibly underwrite it (e.g. CMBS vs bridge), or when the structure is non trivial: bridge to perm, value add, asset based, or originator warehouse. For routine stabilized refinances inside one lender's standard box, direct execution can be efficient.
Find the Right Fit for Your Deal
Talk to PeerSense. The capital source sets the terms. CMBS, bridge, originators, factoring, and data center. Cash in about 35 percent on CRE. Talk to PeerSense.
CMBS Conduit
Non recourse, fixed rate permanent debt for stabilized CRE. 10 year IO options, 65 to 75% LTV, $10 million and up.
Learn MoreBridge Debt
Time sensitive acquisition + reposition capital. Interest only. $10 million and up. Cash in about 35 percent.
Learn MoreHotel Financing
Bridge and CMBS for branded hospitality. Search only. Public floor $10 million and up.
Learn MoreDSCR / Non QM Investor Lending
Efficient non QM execution for experienced real estate sponsors and portfolio operators, speed + sophistication, not credit deficiency.
Learn MoreB2B Invoice Factoring
Non recourse advances on commercial receivables. 80 to 95% advance rates for B2B operators with creditworthy customers.
Learn MoreAsset Based Lending
Senior revolving credit secured by AR, inventory, and equipment. Borrowing base structures at $20 million a month in B2B invoices.
Learn MoreMulti Unit Franchise Partner Buyouts
Senior debt for experienced multi unit operators buying out partner stakes. Public CRE floor $10 million and up.
Learn MoreOriginator warehouse
Focus is $100 million a month. The desk will look at $10 million a month. $10 million is not the focus. The book has to already be buying.
Learn MoreNot Sure Which Fits?
Answer these questions to narrow down your best options
1. What do you need capital for?
2. Deal size?
3. How fast do you need capital?
4. Is your deal SBA eligible?
5. What's your credit profile?
Still not sure? Let's talk through your specific situation.
Talk to PeerSenseOctober 2026 Capital Placement
Who can place a commercial deal that a bank declined?
As of October 1, 2026, PeerSense tracks 1,532 active capital source records across 1,049 distinct capital sources. A bank decline does not end the process because a different capital source can have a different credit box than the bank that declined the file. PeerSense is a capital advisory firm that places files with direct capital sources. It does not lend, fund, approve, underwrite, or hold loans, and the client pays the fee.
PeerSense reviews the reason for the decline, the property or receivables, the requested structure, and the available documentation. The commercial real estate, CMBS, and bridge desk starts at 10 million dollars. PeerSense SBA work covers projects of 10 million dollars and up in total project cost. Factoring starts at 20 million dollars a month. The capital source sets the final credit box and terms.
The tracked data shows 1,333 capital sources checked in the last 90 days, including 110 bridge boxes, 111 commercial real estate debt boxes, 84 factoring and asset based boxes, 159 SBA 7a boxes, and 129 SBA 504 boxes. No public corroboration is cited for this page. These figures describe tracked market activity, not PeerSense loans.
Tracked Lenders and Facilities
| Active capital source records tracked | 1,532 |
|---|---|
| Distinct capital sources | 1,049 |
| Bridge boxes | 110, 90 with a stated size |
| Commercial real estate debt boxes | 111 |
| Factoring and asset based boxes | 84 |
| SBA 7a and 504 boxes | 159 and 129 |
| Capital sources checked in the last 90 days | 1,333 |
These are tracked capital sources and market financings, not PeerSense loans, and the data comes from PeerSense Capital Data.
As of October 1, 2026. Next refresh November 1, 2026. The data date is October 1, 2026, and it is refreshed monthly. Read the Methodology
Common Questions
- Can PeerSense place a deal after a bank decline?
- Yes, PeerSense can review the file and place it with a different capital source when the facts fit that source's credit box. The tracked network includes 1,049 distinct capital sources as of October 1, 2026. Placement does not promise approval.
- What size commercial real estate deal does the desk handle?
- Commercial real estate, CMBS, and bridge files on this desk start at 10 million dollars. The capital source sets the final size, structure, and terms.
- How large should an SBA file be?
- PeerSense SBA work covers 7(a) and 504 projects of 10 million dollars and up in total project cost. A single SBA 7(a) loan is capped at 5 million dollars by law. PeerSense places the file with a direct capital source, and the client pays the fee.
- What size factoring request can you review?
- Factoring starts at 20 million dollars a month. The file must fit the capital source's credit box, so placement does not promise approval.
- How many capital sources are checked recently?
- PeerSense Capital Data shows 1,333 capital sources checked in the last 90 days. The data also tracks 1,532 active capital source records and 950 with a stated loan size.
Prepared by
Edward L. Freeman, Managing Director, is accountable for the PeerSense Capital Data program and its methodology. Read the Methodology
Discuss the Declined Deal
Send the decline reason, requested amount, property or receivables details, and available documents, then Talk to PeerSense at (317) 452 6990 or use the booking page for a file review.
All Lending Solutions
CMBS Loans
Non recourse, fixed rate, $10 million and up
Bridge Loans
Close in 2 to 4 weeks, 8% to 15%
Hotel Financing
Bridge, CMBS, and PIP refi for hospitality
Hotel CMBS Refinance
65% LTV, typically 6.75 to 9% fixed
DSCR / Non QM Investor Lending
Efficient non QM for experienced sponsors
Private Credit
Non bank senior debt, 8% to 14%, flexible terms
B2B Invoice Factoring
80 to 95% advance on commercial receivables
Asset Based Lending
Senior revolving credit secured by AR + inventory
Multi Unit Franchise Partner Buyouts
Equity buyouts for multi unit operators
Data Center Financing
$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
AI Infrastructure
GPU and inference equipment. Data centers $1 billion to $30 billion plus.
C-PACE Financing (explainer)
Why we do not place it, and what works instead
Project Finance
Infrastructure & energy, $50M+
Equipment Financing
$10M to $100M, all industries
No Doc CRE Loans
Efficient doc CRE for sophisticated borrowers
Foreign National Loans
Non US investors, CRE bridge
Bridge to Permanent
Exit bridge into CMBS or bank
CMBS Refinance
Maturing CMBS? Small balance refi options
Working Capital
Lines of credit, fast funding
SBA MARC Program
Revolving credit for manufacturers
SBA 7(a) & 504
Up to $5M, Prime + 0 to 2.75%
SBA Exit Refinance
SBA to CMBS, save 3 to 5% annually
Free Tools & Data
Free Deal Scan
30 second CMBS qualification check
CMBS Readiness Checklist
Score your property on 8 factors
DSCR Calculator
Check if your property qualifies
SBA Loan Calculator
Monthly payments + guarantee fees
SBA Lending Report
2.1M loans analyzed
Compare 899 SBA Lenders
Ranked by actual origination data
Not sure whether you need a commercial loan broker or a capital advisor for your deal? Read our guide: compensation alignment, single introduction vs. mass submissions, and the three diagnostic questions to ask before you commit.
What Our Clients Say
Real Life Success Stories
“PeerSense's lending solutions have helped our business grow and thrive. We couldn't be happier with the results.”
CEO, Joshua Tree Experts Indianapolis
“PeerSense's lending solutions have been a game changer for our business. We highly recommend them to anyone looking for financial support.”
COO, Jacot Wolff Management LLC and Sioux Falls Men's Wellness PLLC
Talk to PeerSense
PeerSense is a capital advisory firm. Originators, factoring, CMBS, and bridge. CRE from $10 million. Factoring from $20 million a month. Originator focus is $100 million a month. Talk to PeerSense.
Talk to PeerSense