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MGP
Private Credit

PRIVATE CREDIT CRITERIA 

MGP Private Credit

MGP Invest in high-yield, short-duration opportunities across value-add assets with predictable exit strategies

PRIVATE CREDIT CRITERIA 

MGP Private Credit

Real Estate Financing

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Fund Financing

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Business Financing

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BRIDGE LOANS

Commercial Real Estate 

Bridge Loans

BRIDGE LOANS

Real Estate Financing 

Bridge Loans

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BRIDGE LOANS

Commercial 

Real Estate 

Bridge Loans

Brush Stroke Pattern

Commercial Bridge Loan

Click below to view

Commercial bridge loan terms

$1M - $100M

BRIDGE LOANS

Residential Real Estate 

Bridge Loans

  • Buy, renovate, and resell your property with up to 92.5% LTC 

    Our Bridge Loans for Residential 1–4 Unit Properties offer a high-leverage solution for real estate investors looking to buy, renovate, and resell non-owner occupied properties.

     

    With loan amounts ranging from $50,000 to $3 million, we provide up to 90% loan-to-cost (LTC) and up to 70% after-repair loan-to-value (ARLTV), along with 100% financing for rehab costs. Standard terms are 12 months, with an 18-month option available on a case-by-case basis. These full recourse loans are available to entities only (not individuals), and no prior experience is required to qualify.

     

    Eligible properties include single-family residences (attached or detached), 2–4 unit properties, townhomes, and warrantable condos. While foreign nationals are eligible, applicants from ineligible countries are excluded.

     

    Our program is ideal for investors tackling value-add projects, especially those where rehab costs exceed purchase price, as LTC is generally used in such cases. Get fast, flexible funding designed to move your investment project forward.

  • Ground Up Program

     

    Our Ground Up Construction Loan Program is designed for experienced real estate investors building 1–4 unit residential properties, townhomes, or condos from the ground up.

     

    We offer loan amounts from $50,000 to $3 million, with up to 75% loan-to-cost (based on land value or purchase price, plus 100% of construction), capped at 55% of total project costs.

     

    Borrowers may qualify for an LTC catch-up draw upon plan and permit approval. Loans are full recourse, require a minimum one-month interest reserve, and are available for 12 to 24 months based on lender discretion.

     

    Prior ground-up experience (1–2 projects) is generally required, though case-by-case consideration is given to guarantors without experience. Ineligible property types include mixed-use, 5+ unit multifamily, condotels, co-ops, and rural or seasonal rentals.

     

  • Our DSCR Exit & NO DSCR Bridge Programs are designed for investors seeking short-term financing on rental or recently renovated properties that are not yet ready for permanent financing.

     

    The DSCR Exit loan is ideal for properties currently rented or soon to be, offering up to 85% LTC and 70% LTV with a minimum 1.10x DSCR.

    The NO DSCR option supports properties recently renovated or built and listed for sale, with no DSCR requirement. Both programs are available for single-family homes, 2–4 unit properties, townhomes, PUDs, and warrantable condos. Loans range from $50,000 to $3.5 million (subject to discretion above $1MM) with terms of 12 to 18 months.

     

    Properties must meet condition standards (C4 or better for DSCR Exit, C2 or better for NO DSCR), have no deferred maintenance, and be within the 90th percentile of market value. A minimum FICO score of 660 is required.

  • Real Estate Focus

    Flexible financing options include mezzanine debt, preferred equity, and JV equity.

    • Rescue Capital: Capital infusion to stabilize distressed assets 

    • Equity Recapitalization: Restructuring ownership and capital stacks 

    Our Real Estate Private Equity Team has a proven track record of successfully executing capital market mandates to support a diverse range of real estate transactions. We specialize in office, storage, hotel and hospitality, retail properties and shopping centers, multifamily properties, mobile home, workforce housing, industrial and manufacturing, and general real estate development projects. 

    Our team operates across the United States, maintaining a geographic and property type-agnostic approach. Real estate companies and developers rely on our expertise to acquire or construct additional properties, expand into new markets, and diversify their portfolios. We have successfully established programmatic joint venture equity facilities for our clients and provide mezzanine and debt financing as required.

PRIVATE CREDIT CRITERIA 

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TERM LOANS

Residential Real Estate

Term Loans

  • Term Loans Residential 

    Our Residential 1–4 Unit Rental Bridge Loan Program offers long-term financing solutions for investors purchasing, refinancing, or cashing out on single rental properties.

     

    With 30-year fixed and hybrid ARM options (5/6, 7/6, 10/6 with partial interest-only or fully amortizing structures), this full recourse loan is designed for both new and experienced borrowers—no prior real estate experience required.

     

    Loans range from $75,000 to $2 million, supporting single-family residences, 2–4 unit properties, warrantable condos, townhomes, and PUDs. Up to 80% LTV is available for purchases and rate-term refinances (75% for cash-outs), with a minimum DSCR of 1.05x.

     

    Borrowers must apply as entities and have a minimum FICO of 660. Properties must be leased within 30 days of purchase, meet market rent requirements, and cannot be rural or from ineligible foreign national locations.

     

    For properties owned less than 3 months, maximum LTC is based on 80% of the total cost basis, and seasoning of 180 days is required to qualify based on appraised value.

  • Term Loans Residential 1-4 units

    Our Portfolio Rental Loan Program is designed for investors looking to finance multiple rental properties under a single blanket loan for purchase, rate-term refinance, or cash-out purposes.

     

    Offering 30-year fixed rate mortgages and hybrid ARMs (5/6, 7/6, 10/6 with partial interest-only or fully amortizing structures), this full recourse loan requires a pledge of equity in the borrowing entity.

     

    Loans are available for non-owner occupied SFRs, 2–4 unit properties, townhomes, PUDs, and warrantable condos, with a minimum property value of $100,000 and a maximum loan amount of $2 million.

     

    Borrowers must apply as entities and meet a minimum FICO score of 680, with foreign nationals eligible up to 65% LTV. Properties must be at least 90% occupied by unit count, and lease income will be based on the lower of in-place or market rents; for unleased units in purchase scenarios, 90% of market rent applies.

     

    The loan offers up to 80% LTV for purchases and refinances, and up to 75% for cash-outs, with a minimum DSCR of 1.20x. Rural, vacation, or seasonal rentals are not permitted, and a 180-day seasoning is required to qualify based on appraised value rather than cost basis.

PRIVATE CREDIT CRITERIA 

How We Are Different

Manhattan Global Partners
Investment Criteria

01

Fast Closing

02

Instant Term Sheet

03

Excellent Rates

04

Repeat Client Discounts

05

Quick Application

06

Interest Rate Lock

07

Quick Feedback

08

Minimal Paperwork

9.5 - 11.25%

Interest Rate

2 - 4%

Origination fee

up to 92.5%

Loan To Cost (LTC)

up to 100%

Construction Financing

up to 75%

Loan To ARV

up to 18 months

Term

$1,000,000

Minimum Loan Amount

$5,000,000

Maximum Loan Amount

650

Minimum FICO

Residential 1-4 units, condos, townhomes

Type of Property

Brush Stroke Pattern

Residential 1-4 Units Loan

Click below to view

Residential loan terms

$100K - $5M

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MGP Real Estate Financing

APPLICANT INFORMATION

Principal's information

Role in the Deal: (Check all that apply)
Owner
Operator
Contractor
Developer
Investor
Other

PRIVATE CREDIT CRITERIA 

Fund Financing

  • Senior secured credit lines to fund GP or LP stakes to expand investment platforms.

    Insurance-rated leverage and credit facilities for private equity funds, credit funds, hedge funds, and specialty finance companies.

    We collaborate with prominent insurance companies and a diverse range of highly specialized credit entities to construct customized fund finance facilities for our private equity, private credit, and select hedge fund clients. These fund facilities encompass NAV facilities, non-dilutive GP financings at the management company level, and distinct SPV leverage. Fund finance facilities range in size from $25 million to $1 billion per facility. They are meticulously constructed on a client-by-client basis and can be executed on a rated or unrated basis. The applications of these facilities are broad and adaptable, and they are accessed on a fund-by-fund basis, contingent upon the specific requirements of each fund.

    These credit facilities encompass various options, such as:

    - Non-Dilutive GP Financing

    - Net Asset Value (NAV) Loans

    - Special Purpose Vehicle (SPV) Leverage

    - Continuation Vehicles

    These facilities can range from $25 million to over $1 billion, catering to the unique needs of each individual situation. The bespoke nature of these transactions ensures a tailored approach to each deal.

  • Co-general partnership for equity as minority ownership in private investment funds.

  • Capital Markets Services

     

    Our team of seasoned private equity managers offers comprehensive transaction management services throughout the entire capital markets process. We commence by identifying the optimal capital structure and capital sources, including business lines of credit from our fund, unitranche facilities, receivables financing facilities, asset-based lending (ABL), cash flow loans originated by non-bank capital providers, and equity investors from minority to control to full buyout. Our expertise enables us to structure the most suitable financing and/or capital for each unique situation.

     

    Debt and Equity Capital Investments:

    • Debt capital ranges from $1 million to $1 billion

    • Debt capital comprises senior secured to unsecured facilities.

    • Structuring of senior secured, unitranche, and unsecured debt facilities.

    • Minority and control equity investments for growth and buyouts.

    • M&A advisory for acquisitions, divestitures, and strategic partnerships.

     

    M&A Advisory Services:

    Our team of experienced professionals provides asset management and M&A services. We strive to deliver unparalleled services and expertise, combining the sophistication of a bulge bracket firm with the personalized touch of a boutique private equity firm. Hundreds of business owners, investors, and management teams rely on us to execute their buy-side and sell-side M&A objectives. We support clients throughout the transaction process, from evaluating and recommending financial and strategic alternatives to identifying the appropriate partner and negotiating the final terms of the transaction.

PRIVATE CREDIT CRITERIA 

PRIVATE CREDIT CRITERIA 

Business Financing

  • Revolving credit access to support daily operations and business growth.

  • Advance funding based on future revenue for fast-moving business needs.

  • Tailored funding solutions for lower middle-market company expansion.

  • Short-term loans to manage expenses, payroll, and seasonal cash flow gaps.

     

  • Capital Markets Services

     

    Our team of seasoned private equity managers offers comprehensive transaction management services throughout the entire capital markets process. We commence by identifying the optimal capital structure and capital sources, including business lines of credit from our fund, unitranche facilities, receivables financing facilities, asset-based lending (ABL), cash flow loans originated by non-bank capital providers, and equity investors from minority to control to full buyout. Our expertise enables us to structure the most suitable financing and/or capital for each unique situation.

     

    Debt and Equity Capital Investments:

    • Debt capital ranges from $1 million to $1 Billion

    • Debt capital comprises senior secured to unsecured facilities.

    • Structuring of senior secured, unitranche, and unsecured debt facilities.

    • Minority and control equity investments for growth and buyouts.

    • M&A advisory for acquisitions, divestitures, and strategic partnerships.

     

    M&A Advisory Services:

    Our team of experienced professionals provides asset management and M&A services. We strive to deliver unparalleled services and expertise, combining the sophistication of a bulge bracket firm with the personalized touch of a boutique private equity firm. Hundreds of business owners, investors, and management teams rely on us to execute their buy-side and sell-side M&A objectives. We support clients throughout the transaction process, from evaluating and recommending financial and strategic alternatives to identifying the appropriate partner and negotiating the final terms of the transaction.

PRIVATE CREDIT CRITERIA 

MGP Business Financing

APPLICANT INFORMATION

Principal's information

Role in the Deal: (Check all that apply)
Owner
Operator
Investor
Other
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