Brighton Capital Advisors is a commercial real estate debt advisory firm, serving as a debt consulting platform designed to navigate clients through the aspects of CMBS, Life, and Bank loans. Brighton Capital Advisors strives to safeguard the Borrower from the pitfalls of CMBS securitization loan servicers, analyzing property cash flows and loan documents to avoid a potential default, and in some instances, modify any defaulted mortgage debt.
CORE ADVISORY SERVICES
Commercial Real Estate Capital Advisor
Maturity Extension
Maturity Extension
Lender agrees to extend the Loan’s maturity date at which time all principal and accrued interest is due.
Loan Assumptions
Loan Assumptions
New borrower assuming the existing Loan and terms. BCA can help to expedite the process and mitigate potential loan covenant changes presented by the Servicer to the transferee.
Conditional Debt Forgiveness
Conditional Debt Forgiveness
Lender gives up its right to part of the outstanding debt upon Borrower’s performance of certain conditions.
Release of Reserve Funds
Release of Reserve Funds
Servicers may not be calculating the income and expenses correctly for DSCR tests or the wording in the Loan Agreement is unclear. BCA has the experience to correct these situations and obtain trapped reserves back to the Borrower.
Discounted Payoff
Discounted Payoff
Lender agrees to loan payoff less than the outstanding principal and/or other amounts due.
Participating Interest Hope Notes
Participating Interest Hope Notes
An exchange of a portion of the outstanding debt for equity. A “Hope Note” is attached for the ability to recoup proceeds.
Equity Infusion
Equity Infusion
Injection of additional equity into the project so that Lender is incentivized to provide relief it otherwise would not consider.
A/B Note Split
A/B Note Split
Loan is split into two pieces. Non-performing and performing. Borrower pays on performing piece.
Expert Guides
Loan Restructuring and Workout Solutions
Brighton Capital Advisors is comprised of a team of seasoned real estate professionals who have experience in all facets of commercial real estate cycles. Our Advisors have participated in the origination and servicing of over $100 billion of CMBS loans. Our team of lending, credit and legal professionals work with investors and borrowers to create a strategy which ensures the loan structure is aligned with the interests of Borrowers, Lenders, and Investors.
Forward Thinking
CMBS Loan Advisory
Brighton Capital Advisors serves as a debt consulting platform designed to navigate clients through the aspects of CMBS, Life, and Bank Loans. Brighton Capital Advisors strives to safeguards the Borrower from the pitfalls of CMBS securitization loan servicers. By analyzing property cash flows and loan documents, Brighton Capital Advisors can assist the Borrower to avoid a potential default, and in some instances, modify any defaulted mortgage debt.
Creative Solutions
Process
Brighton Hotel Advisors provides assistance to hotel owners requiring loan restructuring or workout solutions for hotel loans ranging from international resorts to limited-service hotel assets. Achieving client objectives to modify loans to current market conditions requires knowledgeable professionals with experience who can provide strategic pathways to success. Our Advisors possess the insights to guide the Borrower through the servicing process utilizing their vast experience in the Hotel industry, on both the finance and hotel operations side. Each member of BHA has a 25-year proven track record of originating Fixed- and Floating -Rate CMBS and Balance Sheet Hotel loans for top tier CMBS & CRE platforms and maintains longstanding relationships with Lenders, Servicers and other market participants.
Proven Execution
Equity and Debt Solutions
Brighton Mortgage Advisors provides debt and equity for commercial real estate properties and ownership. Brighton Mortgage Advisors sources the most efficient capital for all layers of the capital stack from real time market relationships to obtain best in class capital providers and investors. Our services include providing Senior Debt, Mezzanine Debt, Joint Venture Equity, Entity and Owner Recapitalizations, Stabilized and Structured Balance Sheet Loans.
“CMBS restructuring is unlike any other typical balance sheet loan, the rules are not the same, the process is ambiguous and murky, and it requires specific expertise to craft a solution that works for both the investor and bond holders”
– Michael Cohen