Access to Capital

Why Blue Ray FinancialAccess to Capital

Blue Ray Financial offers you access to a comprehensive stable of direct capital alternatives and the insight to help you make sense of your commercial financing options.

The goal at Blue Ray Financial is to add value to your acquisition or refinance by offering a wide range of financing solutions and direct access to top national, regional, and local lenders.

With over 10 years of combined experience in structuring real estate deals, we have funded transactions through agencies, life companies, conduits, and “out-of-the-box” commercial lenders. In addition to permanent debt financing, we regularly structure transactions using high-leverage bridge loans, mezzanine debt, construction loans and straight equity.

Transaction Management

Blue Ray Financial’s approach is fundamentally different. Our fiduciary obligation is to you, the borrower.

Since we are not limited by our affiliation with any one bank, we are able to present your loan to a broad spectrum of potential capital sources and secure the best terms and pricing that the market can offer.

Equally important, Blue Ray remains very much involved in the transaction, sharing the burden of collecting and processing information, coordinating third party reports and driving towards a smooth and successful close.

In addition, Blue Ray saves clients time and money by creating a competitive environment that forces the market to compete for the borrower’s business. Ultimately, clients get all the cost benefits of a more effectively managed transaction without having to accept exorbitant spreads or large loan fees.

Private Banking Experience

The Blue Ray Financial difference is best described by our private banking approach to supporting client objectives. By limiting the number of real estate investors we agree to represent, we are able to provide a commercial lending experience that is unique in today’s capital markets.

Our fiduciary obligation is to you, the borrower. Since we are not limited by our affiliation with any one bank, we are able to present your loan to a broad spectrum of potential capital sources and secure the best terms and pricing that the market can offer.

Blue Ray Financial charges a placement fee of one percent of the loan amount. Banks also typically charge a loan fee of one percent or add an equivalent discounted value into the spread. Because Blue Ray Financial absorbs the cost of originating loans for the lender, we are able to negotiate direct pricing with most lending sources. As a result, borrowers typically incur no additional costs by engaging us to negotiate and manage their transaction.

In addition, Blue Ray Financial saves clients time and money by creating a competitive environment that forces the market to compete for the borrower’s business. Ultimately, clients get all the cost benefits of a more effectively managed transaction without having to accept exorbitant spreads or large loan fees.