LifeCo financing
Secure long-term stability with LifeCo loan for commercial real estate. Cornovus Capital offers LifeCo financing for stabilized, Class A and Class B commercial properties. These fixed-rate, non-recourse loans provide low-cost, institutional capital ideal for borrowers focused on long-term security, predictable debt service, and asset performance.
With access to an extensive network of LifeCos across the U.S., we deliver tailored financing for core and core-plus assets in both major and select secondary markets—ensuring competitive execution and certainty of close.
program highlights
- Loan amount & scope: Loans range from $7 million to $80 million+, ideal for stabilized acquisitions, refinances, and long-term hold strategies.
- Fixed-rate, non-recourse terms: Locked-in interest rates from 3 to 20 years, amortizations up to 30 years, with non-recourse structures and standard carve-outs.
- Institutional underwriting:
Max LTV: 70%
Min DSCR: 1.30x (1.25x for multifamily) - Flexible prepayment structure: Avoid complex defeasance—LifeCo loans typically use yield maintenance, often with assumability and early rate lock options.
- Quick closings: Closings in 30–45 days from signed app and deposit, with transparent underwriting and dedicated support.
who qualifies?
- Owners of stabilized, income-producing Class A or B assets
- Institutional sponsors seeking long-term, low-risk financing
- Borrowers refinancing maturing debt or pulling equity
- Operators pursuing fixed-rate, non-recourse structures for stabilized properties
eligible property types
- Office: Urban, suburban, and medical office
- Retail: Anchored strip, grocery-anchored, regional centers
- Industrial: Warehousing, logistics, flex, light manufacturing
- Multifamily: Class A/B apartments, low/mid/high-rise
- Medical office: Outpatient, specialty, urgent care
- Self-storage: Climate-controlled and traditional
- Student housing: Purpose-built and off-campus
- Mixed-use: Commercial + residential
- Hospitality: Flagged select-service and limited-service (case-by-case)
not eligible property types
- Single-family residences (SFR)
- Owner-occupied properties (LifeCo lenders require third-party lease income and do not underwrite based on owner business performance)
- Ground-up construction
- Unique or specialty-use properties without defined stabilization plans
step-by-step process
- Initial consultation: Meet with a Cornovus Capital advisor to evaluate your stabilized asset and long-term financing objectives.
- Custom financing plan: Receive a LifeCo loan proposal tailored to your asset profile, capital stack, and risk strategy.
- Comprehensive application support: We coordinate third-party reports, financial packaging, and lender submissions on your behalf.
- Final approval & rate lock: Secure your interest rate and move through lender due diligence with hands-on advisory support.
- Smooth closing and execution: Close your transaction on time and transition to permanent financing with complete confidence.
About cornovus capital
With over 60 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding solutions. We design customized capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and financial stability.
Our expertise spans SBA 7(a) and 504 loans, CMBS and LifeCo financing, private capital solutions, and structured debt strategies. By focusing on certainty of execution and closing assurance, we guide businesses and investors through complex financial landscapes, securing funding tailored to their long-term objectives.
Why Partner with Cornovus Capital?
At Cornovus Capital, we understand that complex transactions require sophisticated financing solutions. Whether you’re acquiring a business, buying out a partner, expanding operations, or combining real estate into a growth plan—we deliver capital strategies designed for certainty and efficiency.
What Sets Us Apart?
• Advisory expertise across business stages and sectors: We structure financing for acquisitions, expansions, partner buyouts, and practice ownership transitions.
• Innovative capital structuring: We integrate seller notes, working capital, CapEx, and goodwill financing into efficient, customized capital stacks.
• Lender alignment and competitive terms: We match each transaction with lenders who understand your industry—ensuring smooth approvals and favorable terms.
• End-to-end execution and advisory support: From deal modeling and loan packaging to lender communication and closing, we manage the entire process to ensure successful outcomes.
For business owners, professionals, and entrepreneurs seeking flexible SBA financing, Cornovus Capital delivers strategic insight, execution certainty, and long-term support.