An Opportunity Zone changes a project’s after-tax economics, not its credit. Lenders still size the loan on the same things they always do — cost, value, cash flow and sponsor — so the tax benefit is a reason to do the deal, never a reason the loan gets bigger.
What the file turns on
The same fundamentals as any development or value-add file: a real budget, a sponsor with the relevant track record, and demonstrable demand in that submarket.
Where deals fail
Treating the tax treatment as though it covered a thin deal, and timelines driven by a tax deadline rather than by what construction actually takes.
Get the tax advice elsewhere, deliberately
Substantial-improvement tests and holding periods are for your CPA and counsel. We will not opine on your tax position — we will tell you what the project can carry.
Our minimum loan is $200,000. We are a direct commercial lender working across the 43 states we serve, in business since 1998. We do not publish a rate for this product because the number depends on the file — call and we will quote the deal in front of us.
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