LifeCo Loan Financing Solutions for Commercial Real Estate
Long-Term • Fixed-Rate • Institutional Execution
Cornovus Capital structures LifeCo financing solutions for stabilized, income-producing commercial real estate nationwide, delivering long-term, fixed-rate capital designed for institutional durability. Our LifeCo financing solutions are placed through direct relationships with insurance companies and pension-backed lenders, supporting acquisitions, refinances, and recapitalizations where balance-sheet strength, conservative leverage, and certainty of execution are non-negotiable.
LifeCo financing solutions are built for sponsors seeking predictable debt service, extended amortization, and capital aligned with long-term ownership strategies rather than short-term market volatility. Cornovus Capital leads the underwriting, credit positioning, and lender coordination process for LifeCo financing solutions, ensuring transactions meet institutional credit standards while closing efficiently across hospitality, industrial, retail, multifamily, and office assets nationwide.
Typical LifeCo Loan Terms
| Loan Size | $7 million – $150 million+, depending on property type, market, and sponsorship |
| Leverage | Up to 75% LTV for stabilized income-producing assets |
| Amortization | 20–30 years; interest-only periods available |
| Term | 5–30 years fixed-rate; extension options based on structure |
| Recourse | Non-recourse with standard carve-outs |
| Rates | LifeCo spreads tied to U.S. Treasuries, typically lower than CMBS or bank alternatives |
| Prepayment | Yield maintenance, step-down, or defeasance structures available |
| Closing Timeline | 30–60 days from executed term sheet and diligence completion |
Who Qualifies for LifeCo Loan Financing?
- Institutional and private owners with stabilized, income-producing commercial assets.
- Sponsors transitioning from bridge or CMBS executions into long-term LifeCo debt.
- Developers or investors refinancing core or near-core stabilized properties.
- REITs and portfolio owners executing recapitalization or balance-sheet restructuring.
Eligible Property Types
- Office, industrial, medical, and corporate headquarters.
- Retail centers or anchored shopping complexes.
- Hospitality and multifamily assets with proven NOI performance.
- Mixed-use or diversified portfolios with institutional-quality tenancy.
Ineligible LifeCo Loan Transactions
- Transitional or value-add properties without stabilized cash flow.
- Speculative developments or construction-only projects.
- Single-tenant or owner-dependent assets lacking institutional tenancy.
- Borrowers with insufficient liquidity or financial history to meet LifeCo requirements.
About Cornovus Capital
With over 70 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 across multiple market cycles.
Our expertise spans CMBS and LifeCo financing, private capital solutions, structured debt strategies, SBA 7(a) and 504 loans. By focusing on certainty of execution, disciplined underwriting, and closing assurance, we guide businesses and investors through complex capital markets environments, securing financing aligned with long-term ownership and investment objectives.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve’s Monetary Policy resources.
Connect with Cornovus Capital
Exploring LifeCo loan financing options for commercial real estate? Cornovus Capital delivers institutional execution — combining underwriting precision, credit modeling, and lender coordination to ensure transparency, speed, and certainty from term sheet to closing. Cornovus Capital delivers structured solutions, execution precision, and efficiency from application to closing.
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