STA Capital Group & Advisors LLC - Specialty Transaction Advisors

Our goal is to make the loan process
as painless as possible, we strive to
minimize the headache associated
with the time consuming, paper
intensive, and costly procurement
process.

We have developed an orderly process
that allows us to conduct thorough due
diligence, visit the site, document and
place the loan. Typically we like to
have about 3 weeks from the initial
introduction to the closing of a loan.
Some investors however have closed
in as little as 48 hours.

We prefer to have a current appraisal
on the subject property however it is
not a prerequisite to funding a loan.
Most of our focus is on establishing
and determining the value of the land
at the maturity date of the loan rather
than at the time of the loan.

We are backed by a strong private and
institutional partners and always have
the ability to fund a good project. We
know the development game and
through our due diligence process can
often uncover issues that the borrower
may not know about. We are an
excellent financing partner and have
the ability to provide follow-on
financing should a project take more
time or cost more money that originally
anticipated.

Contact us today at 866.610.4141
to discuss your needs.

LAND ACQUISITION &
DEVELOPMENT

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STA Capital specializes in land acquisition and
development loans - Residential developments
including first and second homes, recreational and
resort properties and projects with mixed-use
components. Commercial bridge loans, refinance
existing debt and finance development partner
buy-outs. Our loans average about $10.0 million,
loan amounts between $1.0 and 50.0 million.

Transactions are base on qualification with annual
interest rate from 3-month LIBOR + 400 basis
points. Flexible interest reserve or monthly interest
payments, and pre-payment penalties. In many
cases the accrued interest maybe payable at the
time the loan is due. STA fees from 3 points.
Factors include: The degree of entitlement risk. The
financial strength of the borrower. The project
economics. The track record and experience of the
development team. Soundness of the development
plan. The majority of our acquisition and
development loans mature in 12-18 months. Bridge
loans and debt refinance loans are generally shorter
in duration. Our approach is to match the loan term
to the project need and the exit strategy. Our goal is
to tailor a financing package that allows the project
to advance to the next logical financing point.

Factors Include: The amount of borrower equity in
the deal. The project LTV. Size of the development
reserve required. Market conditions. The exit strategy.

We pride ourselves on coming up with creative
solutions to unique financing challenges

We are in the business of financing quality real
estate development projects not just in the
business of making loans. We understand the
challenges of land development from both a
time and cost perspective. We tailor our loans
to meet the needs of the project and are one of
the few capital procurement organizations that
can provide both land acquisition and
development financing. The development
reserve consists of monies that are placed in a
reserve account at a major bank at the time of
closing and act as a construction loan. The
reserve funds are accessed on a typical
construction draw basis as the work is
performed. Qualified development reserve
expenses may include: engineering, impact
fees, site work, entitlement activities, property
taxes, overhead, sales and marketing.

We generally require personal guarantees
from the borrowers however we do make
non-recourse loans on a case-by-case basis.