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COMMERCIAL LOANS

Credit Tenant Lease Financing (CTL)

Secure stable returns with reduced risk through competitive CTL loan terms for acquisition, refinancing, or recapitalization.

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No individual mobile homes or SFRs

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Credit Tenant Lease Financing - The Madison Group

Credit Tenant Lease Financing (CTL) Solutions

Credit Tenant Lease financing offers commercial real estate investors a compelling opportunity to secure long-term, stable cash flow supported by investment-grade or creditworthy tenants. However, successfully sourcing competitive CTL loans requires specialized expertise and access to lenders who fully understand tenant credit, lease structure, and bond-like underwriting characteristics unique to CTL assets.

The Madison Group is a nationwide leader in arranging Credit Tenant Lease (CTL) financing for commercial real estate investors. We structure customized CTL loan solutions for the acquisition, refinancing, and recapitalization of net-leased properties, working with a broad network of banks, life companies, and institutional capital providers. Our disciplined approach and deep lender relationships enable us to deliver attractive pricing, long amortizations, and efficient execution.

By acting as your dedicated capital advisor, The Madison Group simplifies the CTL financing process and ensures capital structures are aligned with your long-term investment objectives—allowing investors to proceed with confidence in highly competitive net-lease markets.

Eligible Credit Tenants for CTL Financing

  • Retail: Drugstores, pharmacies, home improvement stores, grocery stores, big-box retailers, convenience stores, bank branches, U.S. Federal Buildings, local government properties, municipal buildings, and quasi-governmental entities
  • Institutional: Healthcare facilities, medical offices, administrative buildings, clinics, colleges, and universities
  • Corporate: Single-tenant office buildings, manufacturing facilities, distribution centers, and data centers

Advantages of CTL Financing

Unlike traditional real estate loans, which are typically based on the value of the land and the borrower's creditworthiness, CTL financing focuses primarily on the credit quality of the tenant and the lease structure to determine the loan terms. This approach provides several key advantages:

Key Benefits

  • Tighter Pricing: CTL financing often offers more favorable pricing compared to conventional real estate loans
  • Lower DSCR Requirements: Reduced debt service coverage ratios provide more favorable terms
  • Higher Loan Proceeds: Maximum loan amounts available based on tenant's credit quality and lease terms
  • Greater Liquidity: CTL financing sometimes offers higher leverage, reducing your downpayment

Property Types We Arrange Financing For

Single tenant retail, corporate office, industrial (warehouse distribution), U.S. Government leased properties, and large multi-property portfolios. Available in most states across the U.S.

Loan Program Details

Minimum Loan $1,000,000
Rates Fixed & Floating
Terms 3, 5, 10+ Years
Amortization 25-30 Years
Max LTV Up to 90%
Min DSCR 1.0x – 1.05x
Recourse / Non-Recourse Both Available
Prepayment Multiple Options

Credit Tenant Lease Properties The Madison Group Arranged Financing On

CVS Walmart Dollar General Starbucks McDonald's Walgreens

And many more national credit tenants.

Why Work With The Madison Group

Increase Cash Flow

Tailored financing to maximize returns.

Save Time

We source the best rates and terms.

Avoid Pitfalls

In-depth analysis prevents surprises.

Multiple Lenders

Access diverse loan programs.

Expert Guidance

Professionals every step of the way.