Commercial Capital Desk Record

Capital advisory for originators, factoring, CMBS, and bridge

PeerSense received 150 files across its commercial capital desk in the 12 months through October 28, 2026. Eight reached terms or better in commercial real estate, five in SBA, one in data center and one in factoring and asset based lending, while franchise produced two. Three files funded in SBA and one in commercial real estate. The record shows the desk gets terms most often in SBA and commercial real estate, with selective activity at larger data center and factoring sizes.

The year in one view

Across 150 files, the desk saw the clearest term activity in commercial real estate and SBA. Commercial real estate was the largest lane by file count, while SBA produced the strongest funded outcome. Data center and factoring and asset based lending each reached terms in a smaller number of files, including larger transactions. Franchise also reached terms twice. Bridge and business acquisition files have not reached terms in this period. The record is a view of what came across this desk, showing where its tracked capital boxes aligned with actual files.

PeerSense desk record, 12 months to October 28, 2026, counts of files

Lane	Files received	Terms or better	Approved or better	Funded	Files at $10 million or more
Commercial real estate	58	8	5	1	14
SBA	23	5	4	3	3
Data center	19	1	0	0	15
Bridge	13	0	0	0	2
Business acquisition	9	0	0	0	1
Other	8	0	0	0	1
Franchise	7	2	1	0	0
Factoring and asset based lending	7	1	0	0	4
Equipment	4	0	0	0	0
Forward flow and lender finance	2	0	0	0	1

Where terms appeared most often

Commercial real estate and SBA were the desk's most productive lanes for terms. Commercial real estate had eight files reach terms or better, with five reaching approval or better and one funded. SBA had five reach terms, four reach approval or better and three funded. The commercial real estate files that reached terms ranged from $300,000 to $9.29 million. SBA terms ranged from $582,000 to $22 million, giving that lane the widest recorded size range on the desk.

Larger files and narrower lanes

The $10 million and up segment tells a more specific story. Commercial real estate had 14 files at that size, and none had reached terms in the period. SBA had three such files, with one reaching terms. Data center had 15 files at $10 million and up, with one reaching terms at $20 million. Factoring and asset based lending had four files at that size, with one reaching terms at $10 million. These counts point to activity in larger data center and factoring files, while the broader commercial real estate volume reached terms more often below that level.

What the desk record says by lane

Bridge and business acquisition files had meaningful presence on the desk, with 13 bridge files and nine business acquisition files, yet neither lane reached terms during the period. Franchise produced two term outcomes and one approval or better from seven files. Equipment accounted for four files, while forward flow and lender finance accounted for two. Other activity accounted for eight. The smaller lanes add breadth to the desk's commercial mix.

The boxes behind the count

The desk tracks 912 publicly recorded financings totaling $361.32 billion in the 12 months through September 30, 2026. Active direct capital sources are read on a 14 day cycle. The desk reads each file, matches it to the tracked boxes and presents it only to sources whose box fits. Those sources issue terms and fund transactions. The client pays PeerSense a fee at closing. Public working floors include commercial real estate from $10 million, factoring from $20 million a month of invoices and originator lines from $100 million a month of originations.

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Questions About This Topic

What does this 12 month record measure?+

The record is a count of files received, terms reached, approvals or better, and funded outcomes in the 12 months through October 28, 2026. It is updated monthly from PeerSense records. The lane table gives the underlying counts, while the narrative explains where activity produced terms and how the desk reads its market.

Which lanes produced the strongest outcomes?+

The strongest term activity in this period was in SBA and commercial real estate. SBA had five files reach terms and three funded, while commercial real estate had eight reach terms and one funded. Data center and factoring also reached terms at $10 million and up, showing a narrower path at larger sizes.

How does PeerSense match a file to capital sources?+

PeerSense tracks direct capital sources by their stated credit boxes, then reads each file against those boxes. It presents a file only to sources whose box fits. The capital source sets terms and funds the transaction. The client pays PeerSense a fee at closing. This matching process follows the credit box recorded for each active source.

What public working floors does the desk track?+

Public floors include commercial real estate from $10 million, factoring from $20 million a month of invoices, and originator lines from $100 million a month of originations. These are the desk's stated working floors, alongside the broader set of tracked boxes read on a 14 day cycle. The desk compares each file with the boxes that match its profile.

Editorial integrity: Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. PeerSense sources capital through a curated network of commercial lenders and capital sources. Content is for educational purposes and does not constitute financial, legal, or tax advice. Rates and terms cited reflect market conditions at the published date and may not match current quotes. Consult a qualified professional for transaction specific guidance.

What Came Across the PeerSense Desk in 12 Months