Financing Owner-Occupied Acquisitions With an Unaudited P&L
Demystifying our underwriting. We don't need audited financials or tax returns; we just need to see that the business throws off enough cash to cover the rent.
Traditional commercial lending demands perfection: audited financials, CPA letters, and years of pristine tax returns. In the real world of lower-middle market acquisitions, these documents are rarely perfect.
Sellers optimize for tax reduction, not loan qualification.
CFGX solves this structural mismatch. When you acquire an owner-occupied commercial property, we do not require audited financials or tax returns. We rely exclusively on the unaudited Profit and Loss (P&L) statement of the operating business.
As long as the business generates enough cash flow to cover the market rent to the real estate holding company (PropCo), the deal qualifies.
It is permanent, institutional capital deployed with common sense. No personal financial statements. No DSCR ratio limits. No tax returns. Done for 30 years.
Text 'ACQUIRE', the property address, and loan amount to Scenario Desk at 332-241-8100.
