Direct Lending –
Bridge Loans $5MM - $100MM
PROPERTY TYPES: | Industrial, Life Science, Multifamily, Manufactured Housing, Self-Storage, Medical Office, Retail and Hospitality. | |
PREPAYMENT: | Open to prepayment at any time, subject to minimum interest or yield maintenance. | |
RECOURSE: | Non-recourse except for standard carve-outs. | |
AMORTIZATION: | Interest Only. | |
TERM: | 3-5 years (inclusive of base term plus extensions). | |
LOAN TO VALUE: | Up to 75%. | |
INTEREST RATES: | Competitive spreads over SOFR | |
COLLATERAL: | First Mortgages, with Loans considered on a select basis. |
SCP pairs competitively priced first mortgage loans with capital improvement proceeds and hands-on technical services to drive energy efficiency, reduce operating costs, and enhance long-term value. In addition to financing the acquisition or refinancing of all types of cash-flowing properties, SCP loans finance up to 100% of the funds required for sustainability and resiliency projects. In a constantly changing CRE world, SCP delivers frictionless capital today for measurable cost savings and long-term value creation for the future.
OUR SERVICES
Flexible financing to capitalize your asset
SCP provides one-stop sustainable financing for commercial properties. SCP loans, which include proceeds for retrofits, are first mortgages from one lender. SCP mortgages streamline the financing process by combining first mortgage lending with integrated technical expertise, reducing the need for multiple contractors, consultants, and lenders. Our one-stop platform accelerates loan execution and retrofit deployment, thereby reducing borrower burden.
By coordinating with its strategic partners, SCP embeds hands-on technical services that identify and prioritize high-ROI, sustainability-focused building upgrades into every loan. Our partners at GreenGen provide expert guidance on energy efficiency and resiliency measures tailored to each asset's performance goals. This integrated support ensures that capital improvements are both cost-effective and aligned with long-term value creation.
SCP provides up to 100% of the capital needed for on-site sustainability and resiliency upgrades, reducing initial equity requirements of property owners. Loan proceeds may be used for a wide range of improvements, including HVAC, building systems and appliance upgrades, LED lighting, water efficiency measures, smart thermostats, and advanced building controls. By funding eligible enhancements, SCP enables immediate operational savings, asset value growth, and increased resilience on site in the face of the effects of climate change.
SCP embeds risk mitigation at the core of its lending strategy by prioritizing energy efficiency and climate resilience upgrades that protect asset value and reduce exposure to regulatory and insurance pressures. By integrating sustainability into first mortgage financing, SCP helps borrowers' protect their properties against the “brown discount” and the local effects of changing weather. Our asset-value driven approach ensures that every loan enhances long-term performance, aligning capital deployment with both market resilience and measurable impact.
SCP’s loan framework has been independently reviewed by Moody’s and recognized for making a “robust contribution to sustainability.” The structure aligns with leading green loan principles, reinforcing our commitment to environmental performance and transparency. This third-party validation provides confidence to borrowers and investors that SCP’s capital directly supports meaningful climate impact.