Commercial Real Estate Financing in Tennessee: How to Acquire Property With Just 5%–10% Down
Commercial Real Estate Financing in Tennessee: How to Acquire Property With Just 5%–10% Down
We structure full-stack real estate financing with construction loans, mezzanine capital, and equity investors — so you only need 5%–10% of the project value in cash.
Financing commercial real estate in Tennessee is competitive. Between land acquisition, development, permitting, and construction, the capital requirements can be steep. If you’re relying on traditional bank loans or planning to bring all the equity yourself, you’re tying up too much capital — or worse, losing out on deals entirely.
At Financely, we help you flip the script. Through our platform, we structure layered capital solutions that dramatically reduce your upfront investment and align the right lenders and equity partners around your project.
What Makes Tennessee Attractive for CRE Right Now?
- Fast-growing metros like Nashville, Chattanooga, and Knoxville
- Strong demand for multifamily, industrial, and healthcare assets
- Developer-friendly permitting and land availability in secondary markets
The fundamentals are there — what most sponsors lack is a creative capital structure that doesn’t require writing a seven-figure check upfront.
How We Structure CRE Deals Through Financely
We combine three sources of capital into one seamless structure:
- Construction Loan (60%–70% LTV): Senior debt provided by commercial banks or private lenders, backed by the project's development budget and appraisal
- Mezzanine Loan (10%–20% of capital stack): Subordinated debt layered behind the construction loan — fills the gap and accelerates execution
- Equity Partner (15%–30%): We introduce capital partners via Reg D private placements who co-invest in the deal alongside you
Your contribution? As little as 5%–10% of total project costs — often covered by land value, entitlements, or early-stage prep work.
Example: $12M Hotel Conversion in Nashville
Sponsor sources a $12M hotel redevelopment project in East Nashville. They’ve lined up entitlements and an operator, but only have $900K in liquidity.
We structured the deal as follows:
| Capital Source | Amount | Type |
|---|---|---|
| Construction Lender | $8.4M | Senior Debt |
| Mezzanine Fund | $1.8M | Subordinated Debt |
| Equity Investor (via Reg D) | $900K | Preferred Equity |
| Sponsor | $900K | Co-invest |
Deal closed in 45 days. Sponsor retained management rights, received a promote, and preserved capital for their next acquisition.
What You Need to Qualify
- A commercial asset or development opportunity in Tennessee
- Land control or signed LOI with seller
- Basic underwriting (budget, pro forma, timeline)
- 5%–10% in liquidity or equivalent value contributed (land, entitlements, etc.)
Why Financely Works for Developers and Sponsors
- We bring capital to the table — not just advice
- Access to real estate-focused mezz funds and LP equity groups
- Flexible underwriting that sees potential beyond raw credit scores
Reg D Private Placement: Your Equity Bridge
Through our network of accredited investors and private capital syndicates, we offer equity participation via Regulation D exemptions — no public offering required. Your deal is matched with qualified capital that understands development timelines, asset classes, and risk.
You get funded without giving up control, and your equity is treated with the same discipline as institutional partners.
Need Financing for Your Next Commercial Property in Tennessee?
Financely helps real estate sponsors secure full capital stacks — construction, mezzanine, and equity — so you can close faster with just 5%–10% down. Submit your deal or book a call today.
Submit Your Deal Book a 1:1 CallGet Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
