Real Estate Loans

Debt capital for acquisition, development, and land readiness — underwritten to the asset and the sponsor.

Loan Programs

Financing across the real estate capital stack

From raw land to stabilized assets, HJ Bennett structures debt with conservative assumptions and a relationship-driven approach.

Acquisition Loans

Capital to acquire income-producing or value-add commercial real estate, underwritten to the asset, the business plan, and the sponsor.

Construction & Project Finance

Ground-up and value-add construction capital with conservative, draw-based structures and disciplined budgets.

Land Readiness Loans

Acquire raw or entitled land and fund the horizontal work — entitlements, permitting, grading, roads, and utilities — that makes a site shovel-ready.

Bridge Loans

Short-term capital to reposition, stabilize, or transition an asset ahead of permanent financing or sale.

Refinance & Recapitalization

Refinance maturing debt, return equity, or restructure the capital stack around your objectives.

Real Estate Securities

Selective participation in real estate-related securities and structured credit alongside our direct lending.

Land Readiness Loans

Most development capital only shows up once a site is shovel-ready — but the work to get there is the hardest to fund. Our land readiness loans finance the acquisition of raw or entitled land and the horizontal development that follows: entitlements and permitting, engineering, grading and site work, roads, and utility infrastructure. The result is a de-risked, development-ready parcel positioned for vertical construction financing or sale.

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Initial Screening

What we look for

Asset types
Office, retail, industrial, multifamily, hospitality, and mixed-use commercial real estate — plus raw and entitled land.
Loan purpose
Acquisition, construction & project finance, land readiness, bridge, refinance, and recapitalization.
Sponsorship
Experienced sponsors with a relevant track record and aligned equity in the transaction.
Underwriting
Conservative, asset- and cash-flow-based, structured deal-by-deal. Loan sizes generally run from small-balance to $50M+, with larger transactions by participation.
Pre-Qualify for a Loan