Our Debt Diligence Process Guarantees Results

At GPARENCY, we believe you shouldn’t have to sacrifice your lender or broker relationships to secure the best financing terms. That’s why we developed our Debt Diligence process—a transparent, proven method designed to help commercial real estate borrowers secure the best rates and terms.

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Quotes In The Last 90 Days
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Banking Relationships
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B
Commercial Deals Funded

Our Proven Process - How It Works:

Second Look.
Underwrite & strategize
the presentation.

Our seasoned underwriting and banking team takes a fresh look at your financing needs, structuring and presenting your deal for maximum appeal to lenders. Analyzing various structuring options ensures your financing package is compelling and competitive in the broader market.

01
Why This Matters

This second look is like a doctor’s second opinion-sometimes a new perspective uncovers better ways to structure the deal, adding significant value. With decades of experience handling $100+ billion in deals, our team works to find the optimal way to position your financing.

Soft Power.
Motivate Your Existing
Lender & Broker.

Let your existing lender and broker know that GPARENCY is actively bringing in competitive offers, creating a healthy sense of competition. Inform your broker that they can select their top 5-8 lenders to submit term sheets. This approach encourages both your lender and broker to push even harder, delivering better terms and structures to earn your business.

02
Why This Matters

We all work better when there’s competition, and this process motivates both your lender and broker to go beyond their standard offerings. With GPARENCY involved, they’re incentivized to bring forward their very best—or even better—options to match the competitive landscape. This step alone often justifies the full $4,500 fee, providing significant value and ensuring you get the best possible financing terms.

Deal Shop.
Expand the search to
20+ additional lenders.

Using our database of thousands of potential lenders, we identify all those who can finance your specific property type. From there, we narrow down to the next best 20 options based on our deep knowledge and relationships. This expanded list helps us find lenders who may be an ideal match for your needs, either through a better overall relationship fit or by offering unique structures, terms, or rates that could add value to your financing.

03
Why This Matters

The market is constantly evolving, with new lenders and financing options emerging regularly. By expanding the search, we help ensure you don’t miss out on opportunities from lenders with fresh appetites or new terms that could benefit your deal. This approach provides you with access to options that your current broker or bank may not present.

Hard Power.
Leverage all
competitive offers.

Our seasoned underwriting and banking team takes a fresh look at your financing needs, structuring and presenting your deal for maximum appeal to lenders. Analyzing various structuring options ensures your financing package is compelling and competitive in the broader market.

04
Why This Matters

Because we don’t earn a commission, we’re able to provide completely unbiased advice, guiding you toward the optimal choice without any push toward one lender over another. This independence ensures that when you make your final decision, you can do so with full confidence, knowing you’re securing the best available financing terms.

Final Look.
Finalize & negotiate
the term sheet.

As the final term sheet comes in from the bank you’ve selected, our advisors guide you through the final details. We review the terms closely to identify any areas where adjustments could further optimize your deal, ensuring every element aligns with your goals.

05
Why This Matters

Sometimes, the devil’s in the details—what looks great on the surface can hide terms that impact your financing. With our experienced second set of eyes, we make sure no crucial detail is overlooked, giving you confidence that your final agreement is the best possible fit.

Real-World Success Stories

Maximizing Loan Proceeds with Creative Structuring A client with a $45M agency offer came to GPARENCY looking for a better deal. Through our extensive market reach and creative structuring approach, we found a lender willing to increase the offer to $47M. The client then leveraged this new offer to negotiate with their existing bank, which ultimately matched the $47M, providing them with enhanced terms without leaving their current relationship. This example highlights the “GPARENCY Effect”—delivering innovative solutions and competitive leverage for maximum financing benefits.

Maximizing Loan Proceeds with Creative Structuring

In another case, GPARENCY shopped a client’s deal across a broad range of lenders and found a new offer with 80 basis points per year in savings. The client’s existing bank, in response to the competition, reduced their rate by 50 basis points per year. GPARENCY advised the client to stay with their current bank, as the overall benefits of their existing relationship outweighed switching to the new lender. This recommendation allowed the client to enjoy substantial savings while maintaining a trusted banking relationship, with plans to consider the new bank for future deals.

Saving on Rates with Strategic Advising

Securing Better Rates and Extended Terms with an Existing Bank A client who preferred to stay with their current bank wanted better financing terms. Leveraging GPARENCY’s process, we introduced competitive pressure by bringing alternative offers to the table. As a result, the bank not only lowered the interest rate by 26 basis points but also extended the interest-only period by an additional year. This outcome shows how GPARENCY’s involvement can drive existing banks to improve their terms, offering clients better financing without needing to switch lenders.

Securing Better Rates and Extended Terms with an Existing Bank

A client purchasing a $4.1 million mixed-use property in New York City faced challenges due to long-term, below-market tenant leases that limited traditional financing options. GPARENCY identified a bridge lender willing to provide 72% loan-to-value (LTV), non-recourse financing with flexible terms, enabling the client to close the deal while planning for future rent adjustments.

Creative Financing for a Complex Mixed-Use Property

A client with a $45 million agency quote approached GPARENCY, seeking to maximize their loan proceeds. By tapping into our extensive lender network, we secured a $47 million quote from a competing lender. The client used this quote to negotiate with their current bank, which ultimately matched the $47 million while enhancing the terms. This case demonstrates the “GPARENCY Effect”—using strategic competition to unlock better financing while preserving existing lender relationships.

Leveraging Competition for Maximum Loan Proceeds

A client initially seeking $7M in construction refinancing had a very specific financing need. They asked GPARENCY to go beyond traditional lender relationships, requesting a comprehensive search that included even lesser-known lenders. By casting a wider net, we shopped the deal to 59 lenders, ultimately securing $9.5M in financing, nearly $2.5M more than their original target. This example illustrates how GPARENCY can meet unique client requests by tapping into an expansive lender network to find a “needle in the haystack” solution.

Meeting Unique Construction Financing Needs by going Wide

FAQ’s

How long does it take to get financing offers for my deal?
Gparency

Once GPARENCY receives all the necessary paperwork, your deal is sent to lenders within 1-2 business days. Most lenders respond within 1 week, with the majority of offers returned within the first few days.

How many lenders will my deal be presented to?
Gparency

GPARENCY uses its proprietary database of 3,000+ lenders to select 20-25 lenders that best match your deal based on criteria like property type, location, deal size, and lender preferences.

What does GPARENCY need to get started on my deal?
Gparency

GPARENCY requires the same documentation that you would send to any lender or broker. I.e. Rent Roll and  P&L; as the process continues, other documents will be requested as needed.

What guarantee does GPARENCY offer on its service?
Gparency

GPARENCY guarantees that if, after completing the Process, the Client signs and engages a final lender identified through the Process and within 60 days chooses to sign and close with a new lender that was not part of the Process, and the loan closes with the new lender with terms matching those outlined in the lender’s term sheet, GPARENCY will Refund the $4,500 fee paid by the Client.

Can GPARENCY help if I already have a lender or broker?
Gparency

Absolutely. GPARENCY exists to motivate your current lender or broker to deliver better terms. Our Process introduces healthy competition, ensuring they work harder to secure the best deal for you. Whether you choose to stay with your existing relationships or move forward with a new option, GPARENCY guarantees you’ll achieve the best possible financing terms.

What types of deals can GPARENCY help with?
Gparency

GPARENCY supports all types of commercial real estate financing needs—whether it’s acquisitions, refinances, or construction loans—covering every property type and location across the entire United States.

The GParency Difference

Secure The Best Deal,
Stay in Control.

Transparency For Owners

Leverage Existing Relationships

Use the quotes we secure alongside your current lending or brokerage relationships to maximize your negotiation power.

Access to the
Best Rates

Our team shops your deal across a vast network of lenders, ensuring you receive the most competitive rates available on the market.

Fixed Fee for Transparency

Pay a fixed fee with no hidden commissions, ensuring full transparency and no surprises.

Risk-Free
Analysis

Take advantage of a complimentary deal analysis to assess the feasibility of your deal before committing to any payment.

Full Negotiation Support

Use the quotes we secure alongside your current lending or brokerage relationships to maximize your negotiation power.

Dedicated Team

A specialized team shops your deal among 3,000+ top lenders to secure the best financing options tailored to your needs.

Transparency

What Type of Rates, Terms, Or Lender Are You Missing Out On?

$ 4,500
For $4,500, our Debt Diligence process guarantees the best rates and terms—no hidden fees. No surprises.

I love GPARENCY, we’ve already closed our first loan from Asher Samberg! Meir Spaeth and Steve Moskowitz are also incredible to work with and great people. I made sure to pitch your platform and make introductions to my lender friends at MBA this week.

Scott Emrich

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A huge Shout out to the GPARENCY team Ira Zlotowitz & Michael W. I will be honest, at first I was very skeptical that this could/would ever work, but I decided to give it a try. Team GPARENCY really pulled through! To all the skeptics out there, give them a try!

Sam Cohen

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Of course I was a skeptic. I’ve been in commercial real estate for over a decade… I honestly did not expect to experience this level of aggressive terms, smart strategy, constant communication, and seamless closing for such a single, low, flat fee.I have been converted to GPARENCY’s way of doing things…This is the future of CREF. I’m all in.

Yitz Rabinowitz

  • stars 5
  • stars 5
  • stars 5
  • stars 5
  • stars 5

I love GPARENCY, we’ve already closed our first loan from Asher Samberg! Meir Spaeth and Steve Moskowitz are also incredible to work with and great people. I made sure to pitch your platform and make introductions to my lender friends at MBA this week.

Scott Emrich

  • stars 5
  • stars 5
  • stars 5
  • stars 5
  • stars 5

A huge Shout out to the GPARENCY team Ira Zlotowitz & Michael W. I will be honest, at first I was very skeptical that this could/would ever work, but I decided to give it a try. Team GPARENCY really pulled through! To all the skeptics out there, give them a try!

Sam Cohen

  • stars 5
  • stars 5
  • stars 5
  • stars 5
  • stars 5

Of course I was a skeptic. I’ve been in commercial real estate for over a decade… I honestly did not expect to experience this level of aggressive terms, smart strategy, constant communication, and seamless closing for such a single, low, flat fee.I have been converted to GPARENCY’s way of doing things…This is the future of CREF. I’m all in.

Yitz Rabinowitz

  • stars 5
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Finance a deal

For any questions or comments, Ira Zlotowitz, 
our CEO, is here to help you.
email: iraz@gparency.com  | phone 917.597.2197