Commercial · Resource Center

Commercial finance,
without the mystique.

How proceeds are really decided, when expensive money is worth it, and when a refinance pays. Written for owners and operators, not for lenders.

By Christiaan De Leeuw · Stonehaven Lending · Updated July 30, 2026

DSCR, LTV, and the binding constraint - the number that shapes the whole deal.

When short-term capital earns its cost, and how to underwrite the exit first.

Maturity, cash-out, better terms, structure - and the prepayment math that decides.

Size a loan the way underwriting does - see which constraint binds your deal.

Send the basics, get honest feedback from a capital specialist.

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Real structure, real numbers, no obligation. If it is not our deal, we will say so plainly.