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
Fund Financing
Business Financing
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
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 $1 million to $5 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 $1 million to $5 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 $1 million to $5 million (subject to discretion above $2MM) 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.
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Rescue Capital: Capital infusion to stabilize distressed assets
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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.
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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 $1 million to $5 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 $1 million and a maximum loan amount of $5 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
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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:
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Debt capital ranges from $1 million to $1 billion
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Debt capital comprises senior secured to unsecured facilities.
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Structuring of senior secured, unitranche, and unsecured debt facilities.
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Minority and control equity investments for growth and buyouts.
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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.
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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:
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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.
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