Flexible financing for commercial and mixed-use properties. $100K to $5M with local underwriting and fast decisions.
Montana's commercial real estate market is defined by a funding gap. Deals between $200K and $1M are often too small for institutional lenders and too complex for community banks with limited risk appetite. Renegade Capital exists specifically to fill this gap with fast, flexible commercial financing backed by real property.
Whether you are acquiring a downtown office building, refinancing a retail center, purchasing a multi-family apartment complex, or financing a mixed-use development, we structure loans around the fundamentals of the deal — property value, cash flow, and your business plan.
As a Montana-based private lender, our underwriting team is in Helena and we make decisions locally. There is no out-of-state committee and no algorithmic black box. We evaluate each deal on its merits and move quickly when the numbers work.
We tailor loan terms to match your deal — fixed or adjustable rates, interest-only options, and amortization schedules that align with your cash flow and business plan.
We serve the gap between small bank loans and institutional capital. Most Montana commercial deals fall in the $200K to $1M range — our specialty.
No 90-day committee process. We evaluate your deal in-house and provide a decision within days, not months. Local underwriting by people who know Montana commercial real estate.
All loans are secured by first-position liens on real property. We structure deals conservatively so both the borrower and the lender are protected.
Commercial loans from Renegade Capital are designed for business-purpose real estate transactions. General guidelines include:
Provide property details, financials, and your business plan. We evaluate every submission and respond within 24 hours.
We review the property, cash flow, and borrower profile. Term sheets are typically issued within 3 to 5 business days.
Once terms are agreed, we coordinate title, appraisal, and legal. Most commercial loans close within 2 to 4 weeks.
We finance a wide range of commercial property types including office buildings, retail centers, mixed-use buildings, multi-family apartments (5+ units), industrial and warehouse properties, hospitality assets, and special-purpose buildings. The property must be located in Montana and the loan must be for a business purpose.
Rates are based on multiple factors including loan-to-value ratio, property type and condition, borrower experience and financial strength, lease quality and occupancy, and the overall risk profile of the deal. Our rates typically range from 9% to 13% calculated on an Actual/360 day count basis. Contact us for a rate quote specific to your deal.
Most commercial loans include a personal guarantee from the principal borrowers. In some cases, we can structure limited or partial guarantees for experienced borrowers with strong collateral positions. Guarantee structure is negotiated during underwriting based on the risk profile of the deal.
We typically require a property description and photos, purchase agreement or ownership documentation, rent roll and lease copies (for income-producing properties), trailing 12-month operating statements, borrower financial statement and entity documentation, and a brief business plan or use of proceeds. Our underwriting is asset-focused, so we prioritize property fundamentals over extensive borrower documentation.
Yes. We provide refinance financing for commercial properties including rate-and-term refinances and cash-out refinances. Cash-out proceeds can be used for property improvements, portfolio expansion, debt consolidation, or working capital. Maximum cash-out LTV is typically 65%.
Every commercial deal is unique. Tell us about your property and business plan, and we will put together financing that works.