We structure your deal, match it to the right lender from a network of 100+ capital sources, and manage it through to closing. Bridge, hard money, construction and conventional debt from $1M to $20M.
ATZI Advisory arranges debt for commercial real estate owners, sponsors and developers in the $1M to $20M range. We are not a lender. We are the party that knows where the money actually is, what each lender will genuinely fund this quarter, and how to move a file from application to closing without it stalling.
The principal has spent over a decade on the transaction side of commercial real estate, closing acquisitions, refinances, construction loans and multifamily dispositions. That experience is why a deal arrives at a lender already underwritten, with the questions a credit committee will ask answered inside the package.
We underwrite before anything goes out: sizing, leverage, sources and uses, sponsor strength and exit.
We approach only the handful of capital sources whose criteria and current appetite genuinely fit your transaction.
Diligence, appraisal, title, insurance and legal, held to a schedule until the loan funds.
Open any item below for the detail.
Our advisory fee is 1% of the financed amount, earned at closing and paid from loan proceeds. There is no retainer, no application fee and no hourly billing. If we cannot place your deal, the work costs you nothing.
That structure is deliberate. It means we only take on transactions we believe are financeable, and it puts us on the same side of the table as you.
We hold no loans and take no credit risk, so we have nothing to gain from placing you with one lender over another. Our only interest is the best available terms for the transaction in front of us.
Across the network we place bridge, hard money, construction, conventional bank and agency debt, and subordinate capital. The right answer depends on the asset, the business plan and the timeline, not on what we happen to have on the shelf.
You work with one person throughout. That person underwrites the file, takes it to market, negotiates the terms and manages diligence to close. Nothing gets handed off to a processing queue.
You will always know where your deal stands. Every borrower gets a private portal showing the current stage, outstanding document requests and next steps.
A decline usually means the deal fell outside one lender's parameters, not that it lacks merit. Leverage tolerance, asset preference, sponsor requirements and current appetite vary enormously between capital sources, and they change quarter to quarter.
If a bank has passed on your transaction, it is worth a second look from someone who knows which lenders are actively funding that profile right now.
The principal has personally closed or been directly involved in commercial transactions spanning acquisitions, refinances, construction lending and multifamily dispositions across multiple markets.
Our advisory fee is 1% of the loan amount, earned only when your loan closes and paid from the proceeds at closing. There are no upfront fees, retainers or application charges. If we cannot place your deal, you owe nothing.
Term sheets typically come back within 24 to 48 hours after supporting documents are submitted. Speed depends on the asset and how quickly diligence items are provided, but we tell you within one business day whether the deal is financeable and what structures are realistic.
We focus on the $1M to $20M middle market. This range is often too large for small local lenders and too small for the largest institutions to prioritize, which is precisely where a network and an active process create the most value.
Frequently, yes. A decline usually means the deal fell outside that particular lender's box, not that it is unfinanceable. Different lenders have very different parameters on leverage, asset type, sponsor profile and timing. That is the core of what we do.
No. We are an advisory firm, not a lender. We hold no loans and take no credit risk, which means we have no incentive to steer you toward a particular product. Our only interest is placing your deal on the best available terms.
To begin: the property, the purpose, the amount and the timeline. Once we confirm the deal is financeable, we will request the standard package — rent roll, operating statements, purchase contract or existing debt terms, a personal financial statement and sponsor background.
Yes. Your information is reviewed by us and shared only with the specific lenders being considered for your transaction. We do not sell, distribute or publish borrower information.
Our lender network is national and we regularly place transactions across multiple states. Contact us with your market and we will tell you directly whether we can serve it.