Unlock Better
Financing
Without Leaving Your
Lender or Broker

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.

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.

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.

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.

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.

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.