LifeCo Financing Request
Institutional Underwriting • Certainty of Execution
This intake is designed to evaluate asset quality, structure the credit, and position stabilized commercial real estate for LifeCo placement. Intended for income-producing assets with institutional credit profiles seeking long-term, fixed-rate, non-recourse debt at competitive spreads.
Submissions are reviewed through a disciplined underwriting lens to assess cash flow durability, collateral quality, sponsor strength, and LifeCo credit alignment. A principal reviews every submission within one business day.
LifeCo lenders require stabilized assets and institutional credit profiles. For assets not yet meeting LifeCo standards, review the LifeCo program to evaluate fit. Review the LifeCo program →
Security Notice: For your protection, your email address will display with the @ symbol temporarily masked while typing. Your contact information is transmitted securely and completely upon submission.
Typical LifeCo Loan Terms
| Loan Size | $7 million to $150 million and above depending on property type and sponsorship |
| Leverage | Up to 70% to 75% LTV for stabilized income-producing assets |
| Amortization | 20 to 30 years; interest-only periods occasionally available |
| Term | 5 to 30 years fixed-rate |
| Rate | LifeCo spreads tied to U.S. Treasuries; typically below CMBS or bank alternatives |
| Recourse | Non-recourse with standard carve-outs |
| Prepayment | Yield maintenance, step-down, or defeasance depending on structure |
| Closing Timeline | 30 to 60 days from executed term sheet and diligence completion |
About Cornovus Capital
Cornovus Capital structures and executes SBA loans, bridge financing, CMBS, SBA 504, conventional multifamily, and LifeCo transactions for sponsors, developers, owner-operators, and operating businesses nationwide. Every transaction is underwritten to institutional credit committee standards, with structural issues identified early, sizing built to lender reality, and the full credit package prepared before a capital partner is ever engaged. Each transaction is placed through a proprietary capital markets platform with pre-qualified partners across bridge, SBA, CMBS, private capital, agency, life company, hedge, and pension executions, matched to the transaction's credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: SBA 504, SBA 7(a), SBA 7(a) 100% CRE, Bridge and Structured Debt, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner's Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle. Our quantitative underwriting platform applies institutional credit standards across every transaction, delivering depth, consistency, and turnaround speed.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve's Monetary Policy resources for insights into national commercial real estate performance.
Connect with Cornovus Capital
For active acquisitions, refinances, recapitalizations, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use the contact path to confirm program fit and execution strategy.
Submit a financing request → | Contact us →
Follow Cornovus Capital on LinkedIn →