LifeCo Financing Request
Institutional Underwriting • Certainty of Execution
LifeCo financing is for stabilized, income-producing commercial real estate seeking long-term, fixed-rate, non-recourse debt at competitive spreads. Complete the information below to begin.
A Cornovus Capital principal reviews every submission within one business day.
For an overview of LifeCo execution and eligibility before submitting, review the LifeCo program →
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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.
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