Specialty Loan Programs

Loan Directory: Click on a loan type!

Residential & Land – Retail & Office – Multifamily & Housing – Hospitality – Senior Living & Healthcare – Industrial & Storage – Construction & Development – Specialty & Infrastructure – Transactional & Situational Lending – Distressed & Special Situations

Residential & Land Loans

Residential Real Estate Loans

We’re a direct private lender on residential real estate for investors, builders, and operators, including single-family and small multifamily assets held for income or resale. As an asset-based lender, we move fast on acquisition, refinance, or value-add deals when your project needs a quick, flexible source of capital.

Land Loans (All Highest and Best Use Scenarios — Entitled and Unentitled)

We lend on raw and improved land across a full range of highest and best use scenarios, whether the parcel is fully entitled or still moving through the entitlement process. Because we fund with our own capital, we can custom-tailor terms for residential, commercial, industrial, or mixed-use land plays.

Retail & Office Loans

Single Tenant Retail Commercial Real Estate Loans

Paces Funding provides direct private financing for single tenant retail properties, including net-leased buildings occupied by a single retail operator. We structure terms around the strength of the tenant, lease term, and underlying real estate value — and we can close fast.

Multi-Tenant Retail Commercial Real Estate Loans

Our multi-tenant retail loan programs cover shopping centers, strip centers, and similar properties with multiple retail tenants. As a true direct lender, we evaluate occupancy, lease rollover, and tenant mix in-house, which means quicker answers and fewer hoops to jump through.

Single Tenant Office Property Real Estate Loans

We finance single tenant office buildings, including corporate and professional office properties leased to one occupant. Whether you need acquisition, refinance, or recapitalization funding, our asset-based approach keeps the process simple.

Multi Tenant Office Property Real Estate Loans

We lend on multi-tenant office properties, from small professional office buildings to larger Class A and B assets with diverse tenant rosters. Our in-house underwriting accounts for occupancy trends and lease structure without the red tape of a traditional bank.

Medical Office Property Real Estate Loans

Medical office buildings have unique tenant and operational characteristics, and our private money structure gives us the flexibility to finance them accordingly. This includes properties leased to physician groups, outpatient providers, and other healthcare tenants.

Multifamily & Housing Loans

Multi-Family Apartment Real Estate Loans

We finance multifamily apartment communities of varying size and class, with loan structures tailored to property performance and your investment strategy — whether that’s acquisition, refinance, or a value-add play.

Multi-Family Condo Real Estate Loans

We provide direct financing for multifamily condominium properties, including projects held for rental income as well as inventory tied to condo conversion or sale. Deal structure depends on whether units are held long-term or sold individually, and we’ll tailor terms accordingly.

Multi-Family Co-Op Real Estate Loans

We lend against multifamily cooperative housing properties, accounting for the distinct ownership and governance structure that co-ops carry. As a direct lender, we can move quickly on acquisition or recapitalization needs.

Mobile Home Parks (Fee Interest) Real Estate Loans

We finance mobile home parks held in fee simple ownership, supporting acquisition and refinance of these income-producing properties. We look at pad occupancy, infrastructure condition, and park management when structuring your loan.

Manufactured Housing Parks (Fee Interest) Real Estate Loans

Similar to mobile home park financing, we lend on manufactured housing communities held under fee interest ownership — supporting stabilized operations as well as acquisitions with upside potential.

RV Park (Fee Interest) Real Estate Loans

We provide financing for RV parks owned under fee interest, including parks with seasonal, transient, or long-term stay models. We’ll structure your loan around the occupancy patterns and revenue model that’s typical of this asset class.

Single Family Residential Subdivisions — Acquisition and Development Real Estate Loans

We finance the acquisition and development of single-family residential subdivisions, from raw land through horizontal infrastructure. Our direct capital and fast decision-making help builders and developers bring new residential lots to market without delay.

Build to Rent Subdivision — Acquisition and Development Real Estate Loans

We lend on build-to-rent subdivision projects, covering both land acquisition and the development of purpose-built rental home communities. Our loan structures can account for the lease-up phase that follows construction.

Hospitality Loans

Hotel Real Estate Loans (Flagged and Unflagged)

We finance hotel properties under both flagged (branded) and unflagged (independent) operating models. As a direct lender, we can structure around franchise agreements where applicable, plus property condition and operating performance — and fund fast.

Motel Real Estate Loans (Flagged and Unflagged)

Our motel financing covers both branded and independent properties, supporting acquisition, refinance, and renovation needs. We evaluate location, occupancy, and operating history in-house, so you’re not waiting on a committee.

Extended Stay Real Estate Loans (Flagged and Unflagged)

We provide financing for extended stay properties, whether operating under a recognized brand or independently. Our terms reflect the longer average length of stay and different revenue model compared to traditional hospitality assets.

Senior Living & Healthcare Loans

Independent Living Loans (Real Estate and Operating Company Loans)

We finance independent living communities, with loan structures available for both the real estate and the associated operating company. Our direct, asset-based approach lets us align financing with how the property is actually owned and operated.

Assisted Living Including Memory Care Real Estate Loans (Real Estate and Operating Company Loans)

We provide financing for assisted living facilities, including communities with dedicated memory care units, across both real estate and operating company structures. We take licensure, staffing, and census trends into account when we underwrite this sector.

Active Adult Community Real Estate Loans (55 and Up) (Real Estate and Operating Company Loans)

We lend on active adult communities serving residents 55 and older, covering both the real estate and operating company components where applicable. Whether it’s acquisition, refinance, or recapitalization, our private capital moves at your pace.

Industrial & Storage Loans

Self Storage Real Estate Loans

We finance self storage facilities, supporting acquisition, refinance, and expansion of stabilized and lease-up properties. Our terms reflect unit mix, occupancy, and competitive positioning within the local market.

Industrial Outdoor Storage Real Estate Loans

We provide financing for industrial outdoor storage sites, including yards used for equipment, materials, and vehicle storage. We underwrite this growing asset class based on site access, zoning, and tenant use — and our direct capital means a faster yes.

Industrial Warehouse and Distribution Real Estate Loans

We lend on industrial warehouse and distribution properties, from single-tenant logistics buildings to larger distribution centers. Our loan structures account for tenant credit, lease term, and building functionality.

Industrial Manufacturing Real Estate Loans

We finance industrial manufacturing properties, including owner-occupied and leased manufacturing facilities. We take the specialized improvements and operational requirements of this property type into account, then move quickly with our own capital.

Construction & Development Loans

All Development and Construction Real Estate Loans

We provide construction and development financing across property types, supporting projects from initial site work through completion. As a true direct lender, we can tailor draw schedules and terms to your project’s scope, timeline, and takeout strategy.

Pre-Development Real Estate Loans

We finance the pre-development phase of real estate projects, covering costs associated with planning, design, and feasibility work before construction begins — bridging the gap between land acquisition and a construction-ready project.

Entitlement Real Estate Loans

We lend against properties moving through the entitlement process, supporting the carrying costs and soft costs associated with securing zoning, permits, and approvals. This helps you add value before a property reaches construction-ready status.

Specialty & Infrastructure Loans

Marina Loans

We finance marina properties, including facilities with slip rentals, fuel services, and related amenities. Our private money structure gives us the flexibility to underwrite the operational and seasonal characteristics specific to marina ownership.

Cannabis Medical Provider (MMTC) and Dispensary Loans (Real Estate and Operating Company Loans)

We provide financing for cannabis-related real estate and operating companies, including licensed medical marijuana treatment centers (MMTC) and dispensaries. As a direct private lender, we can structure around the regulatory and licensing considerations unique to this industry.

Data Center Real Estate Loans

We finance data center properties, supporting acquisition, development, and refinance of facilities built to house critical computing infrastructure. We underwrite power capacity, connectivity, and tenant requirements as part of every deal.

Fiber Installation Real Estate Loans

We lend on real estate and infrastructure tied to fiber optic installation projects, supporting the buildout of connectivity infrastructure. Our terms can align with phased installation timelines.

Cell Tower Acquisition, Construction, and Development Real Estate Loans (Including Construction and Ground Leases)

We finance cell tower acquisition, construction, and development projects, including those structured around ground leases. Our flexible, direct-capital approach can accommodate both the physical infrastructure and the underlying lease arrangements.

Subordinated and Unsubordinated Ground Lease Real Estate Loans

We provide financing secured by ground leases, whether subordinated or unsubordinated to other financing on the property. We pay close attention to lease terms and lender priority on every one of these deals.

Billboard Loans

We finance billboard and outdoor advertising real estate, including structures on owned or leased land. Our terms reflect lease agreements with advertisers and the underlying real estate value.

Sand Mining Loans

We lend on sand mining operations and the associated real estate, supporting acquisition and operational financing for this extractive land use. We take permitting, reserves, and operational history into account when structuring terms.

Landfill Loans (Municipal Waste and C&D)

We finance landfill properties handling municipal waste as well as construction and demolition (C&D) debris. Our underwriting accounts for permitting, remaining capacity, and regulatory compliance.

Transactional & Situational Lending

Lease Loans

We provide financing structured around existing lease agreements, allowing you to leverage in-place leases as part of the loan structure. This direct, flexible approach can apply across multiple property types.

Real Estate Commission Loans

We offer financing secured by pending real estate commissions, giving agents and brokers access to capital ahead of a closing. This short-term solution helps bridge cash flow gaps tied to commission timing — and because we use our own funds, we can move fast.

1031 Exchange Real Estate Loans

We finance transactions structured as part of a 1031 exchange, helping you meet exchange deadlines while securing replacement property. Our terms can be structured to accommodate the timing requirements of a qualifying exchange.

Real Estate Purchase Agreement Loans

We lend against executed real estate purchase agreements, providing financing tied to a pending acquisition. This lets you move forward on a deal while final financing or closing details get finalized.

International Real Estate Loans

We provide financing for real estate transactions involving international borrowers, properties, or capital sources. As a direct lender making our own decisions, we can navigate the added complexity that cross-border transactions often involve.

Commercial Real Estate Cap Ex Loans

We finance capital expenditure needs on commercial real estate, supporting renovations, upgrades, and improvements to existing properties. These loans help you fund property improvements without a full refinance.

Distressed & Special Situations Loans

Distressed Real Estate Loans

We provide financing for distressed real estate, including properties facing operational, financial, or ownership challenges. Because we use our own capital and make decisions in-house, we can structure around the specific circumstances driving the distress — and close fast.

Motivated Seller Real Estate Loans

We finance transactions involving motivated sellers, helping you move quickly to capitalize on time-sensitive acquisition opportunities. Speed and certainty of execution are exactly what a direct private lender like Paces Funding delivers.

Divorce Real Estate Loans

We offer financing solutions for real estate transactions tied to divorce proceedings, including buyouts and property division scenarios. Our team works with you to resolve real estate matters as part of a broader settlement, without unnecessary delay.

Estate Real Estate Loans

We finance real estate transactions arising from estate matters, including properties being settled, distributed, or sold as part of an estate. Our terms can accommodate the timelines typical of estate administration.

Probate Real Estate Loans

We provide financing for real estate moving through probate, supporting heirs, executors, or buyers involved in the process. Our flexible underwriting addresses the unique timing and documentation requirements of probate transactions.

Heir Real Estate Loans

We lend to heirs who have inherited real estate and need financing to retain, improve, or buy out interests in the property. Our loan structures can account for shared ownership among multiple heirs.

Foreclosure Acquisition / Purchase Loans

We finance the acquisition of foreclosed properties, helping you move quickly on opportunities that come out of the foreclosure process. Our terms reflect the condition and acquisition timeline typical of these deals.

Bankruptcy Liquidation and Purchase Loans

We provide financing for real estate acquired through bankruptcy liquidation proceedings. As a direct lender, we can support buyers seeking to close quickly within court-driven timelines.