What is Mezzanine Loan ? | Gelt Financial

In this video, Jack and Marcy explain what a mezzanine loan is, specifically in the context of real estate. A mezzanine loan is subordinate to the first mortgage but ahead of equity in the capital stack. They describe how it is typically secured by UCC filings within an LLC and involves an intercreditor agreement between the mezzanine lender and the first mortgage lender to define the rights in case of default. They emphasize that mezzanine loans are flexible and typically used for stable, long-term commercial properties rather than fix-and-flip projects. The loan-to-value ratio depends on the quality of the property and tenants, and payments can be structured to accommodate the borrower’s situation.

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Gelt Financial, LLC is a Private small balance investment and commerical real estate lender satisfying its client's financial needs and goals since 1989. Gelt's robust commercial product offerings are available across the country to US Citizens and Foreign Nationals. We focus on loans between $100,000 and $2 Million.

We also have a portfolio product that we offer to real estate investors and commercial property owners. We offer preferred equity and recapitalizations to exist commercial real estate partnerships.

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