Lakepoint helps commercial real estate investor retain $750,000+ in equity

Amount: $11,050,000

Amortization: 30 years

Lender: Credit union 

Location: Kelowna

Class: Retail & Office

Goals achieved: Additional leverage

In Spring 2025, Lakepoint was introduced to a potential client by that client's commercial real estate broker. The client had an accepted offer to acquire a mixed-use commercial property in Kelowna. The client had approached two lenders that it had previously worked with before (one of which was their house bank), but found their offers to be lacking in terms of total leverage. At the commercial real estate brokers advice, Lakepoint was engaged to see if a better option could be sourced in the market.

A thorough analysis of the leases and purchase agreement yielded a strategy that, if lenders were to buy into, would possibly allow for additional leverage. Lakepoint quickly prepared a detailed Request for Financing ("RFF") that included this strategy, and put this request in front of its commercial lender network. Despite there being a lot of interest in the deal, most lenders' indicative offers topped out at around $10,000,000 - $10,300,000. However, because of the comprehensive approach taken, one lender offered at $11,230,000 and with solid interest rates.

The client decided to proceed with this lender, and although the final structure saw the loan amount reduced to $11,050,000, that was still $750,000 greater than the next highest lender, and over $1,000,000 greater than the two lenders that the client had previously inquired with.

This outcome illustrates the value of taking a structured, market-wide approach to financing rather than relying solely on incumbent relationships. By carefully analyzing the property’s leases, tailoring the financing request to highlight strengths, and running a competitive process, Lakepoint was able to secure terms that not only exceeded what was available elsewhere in the market but ultimately allowed the acquisition to close.

For the client, that extra $750,000–$1,000,000 in leverage represented the difference between a deal that was out of reach and one that moved forward. For the referring commercial real estate broker, it reinforced the benefit of bringing in a specialized debt advisor at critical points in a transaction.

At Lakepoint, this is exactly where we focus: helping business owners and real estate investors unlock financing solutions that make their transactions possible and thier financing terms competitive.