L.I.F.T. Program
100% Financing for Global Commercial Projects
Phoenix Capital Solutions offers customized loans for real estate, energy, and startups worldwide. Our unique approach focuses on project potential rather than traditional lending criteria — no personal guarantees, no prepayment penalties, no balloons.
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Flexible Financing Options
We offer full capital stack coverage, from groundbreaking to completion and beyond — eliminating the need for multiple lenders and streamlining the financing process.
Full Capital Stack
We finance every stage of your project, including construction and long-term financing. This comprehensive approach eliminates the need for multiple lenders and streamlines the entire process.
No Restrictive Terms
We don’t require personal guarantees, prepayment penalties, or balloons. This gives you the flexibility to manage your project cash flow and exit strategy without unnecessary constraints.
Transparent, Competitive Rates
Rates start as low as 4.5% and are fixed for the entire loan term — ensuring predictable financing costs throughout your project so you can budget effectively and maximize ROI.
Rates from 4.5% — Fixed for entire term
Loan Structure
Loan Structure Benefits
Construction Phase
Up to 7 years construction period with no debt service required. You focus on building — we handle the capital without monthly payments weighing on your cash flow.
Interest Accrual
Interest accrues only on drawn funds, preserving capital. You don’t pay for money you haven’t used — a significant advantage over traditional loan structures.
Long-Term Financing
A single loan covers both construction and long-term financing needs for up to 30 years. No refinancing risk, no lender changes mid-project — one relationship from groundbreaking to stabilization and beyond.
Comprehensive Solutions
Beyond Project Financing
Business Loans
Our business loan program offers more than just financing — it gives you a valued partner dedicated to helping you achieve your goals. We take the time to understand your unique needs and develop a customized financing plan that sets you up for sustainable growth.
Mergers & Acquisitions
Whether you’re looking to acquire a competitor, merge with a complementary business, or divest a division, our M&A expertise guides you through the entire process. We’ll help you structure the best deal and secure the necessary financing.
Equity Preservation
Maintain Equity Ownership with Phoenix Capital
10% Capital Commitment
Phoenix Capital requires only a 10% capital commitment from project owners, allowing you to retain the majority equity stake in your venture from day one.
Value of Equity Ownership
Maintaining a larger ownership percentage means you can capitalize on the full upside potential as your project grows and increases in value over time.
Partnership with Phoenix
As your financing partner, Phoenix Capital brings strategic expertise, industry connections, and a vested interest in your project’s long-term success.
Flexible Terms
Our customized loan structures are designed to fit your specific needs, ensuring you maintain control and flexibility throughout the entire project lifecycle.
Underwriting
5 Key Underwriting Criteria
Project Location
Is it in a prime, high-growth area with good infrastructure and amenities? Location is a primary driver of long-term value and project viability.
Funding Amount
Is the requested funding sufficient to complete the project? We ensure capitalization is appropriate for scope so projects reach completion without capital shortfalls.
Project Type
Is it a commercial, residential, or mixed-use development? We work across project types with customized terms appropriate to each category.
Collateral
Does the project have at least 10% of the requested funding in collateral? This 10% commitment aligns interests and secures the financing relationship.
Projected NOI
Will the project’s net operating income 3 years after stabilization cover debt service? Strong NOI projections confirm the project’s long-term viability and sustainability.
Case Study
Project Example: $100M Multi-Family Development
L.I.F.T. Program Structure
| Amount of loan | $100M |
| Time for construction | 2 years |
| Time for stabilization | 1 year |
| Total interest reserve | $23.5M |
| Value upon stabilization | $154M |
| Equity given to PCS | 35% |
| Reserve converted to equity | 10% |
| Client retains after stabilization | 55% |
Projected Growth (3-8% YoY)
Year 1 — Stabilization
Initial value: $154,000,000
Year 3
Projected: $179,273,600
Year 5
Projected: $202,188,129
Year 7
Projected: $221,997,596
Year 10 — Final
Projected: $244,429,654
Why L.I.F.T. Wins
Profit Comparison: L.I.F.T. vs. Traditional
- 35% Down Payment required
- 10-20% Equity remaining after costs
- No Debt Service Coverage during non-stabilized period
- Multiple lenders required
- 100% Loan plus repair costs and interest reserve
- 35% Equity to PCS — 10% Equity after stabilization
- 55% Equity Client retains after stabilization
- Single lender, start to finish
Schedule a Consultation Today
Unlock Your Project’s Full Potential
Our team of experts will guide you through the process, ensuring a smooth and cost-effective experience that maximizes your return on investment.
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