Lending Solutions at PeerSense

An independent capital advisor represents the sponsor on a single commercial real estate deal — sourcing CMBS, bridge, agency, asset-based, and private credit term sheets in parallel from a curated lender network, then structuring the senior debt stack to fit the deal archetype. PeerSense runs the lender competition on the sponsor's behalf and is paid at closing by the placed lender, with no retainer or upfront fee on most products. For $5M+ middle-market CRE debt, deal-specific lender matching typically outperforms single-program direct execution on rate, leverage, and structure.

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.

PeerSense is paid at closing by the placed lender — no retainers, no upfront fees, and no direct charge to the borrower on most products. 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.

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 $5M+, when more than one capital source could plausibly underwrite it (e.g. CMBS vs bridge vs agency), or when the structure is non-trivial — bridge-to-perm, value-add, asset-based, low-doc, foreign-national, or franchise partner buyout. For routine stabilized refinances inside one lender's standard box, direct execution can be efficient.