Commercial Balloon Loan Refinancing
in Connecticut and New York
Your commercial note is coming due and your refinance isn't ready. We provide short-term bridge financing to cover the balloon — no default, no panic, no lost property.
A balloon coming due is not the end — if you move quickly and have the right lender.
Commercial mortgages often end with a balloon payment — a lump sum due when the loan matures. When that date arrives and your permanent refinance isn't in place, you face default even if every payment has been made on time.
Laser1Capital steps in with short-term bridge financing to cover the balloon, stop the clock, and give you the runway to refinance properly or sell on your terms — not the bank's.
When Borrowers Come to Us
These are the situations that lead commercial property owners to Laser1Capital when a balloon is approaching.
Your refinance is in process but not closed
Your permanent loan is approved in principle but the paperwork isn't done. The balloon matures in 30 to 60 days. We bridge the gap while you close.
Your bank won't extend or refinance you
Your lender changed its credit criteria, was acquired, or simply won't renew. We provide capital while you find a new permanent lender.
The property is stabilizing but not yet there
Rents are up, occupancy is improving, but you're not quite at the DSCR a bank requires. A few more months gets you there. We give you those months.
You're selling but the sale hasn't closed
You have a buyer under contract but closing is 60 to 90 days out and the balloon is due sooner. We bridge until your sale closes.
Your bank extended once and won't again
You got a six-month extension last time. That window is closing. We step in as a clean payoff of the existing note so you can move forward without default.
What We Look at When We Review Your Deal
We focus on the property and the situation — not your tax returns or personal income. Here is what matters to us.
Balloon Refinancing Parameters
How to Get Started
Four steps from first contact to a funded payoff of your existing loan.
Submit Your Deal
Tell us about the property, the existing loan, the balloon maturity date, and your exit plan. Takes about 5 minutes.
We Review It
Within 24 hours we'll tell you whether we can move forward and what the terms look like.
Due Diligence
We review the existing loan statement, property details, and supporting documents to finalize the deal.
We Pay Off the Note
We fund the payoff of your existing balloon. The default clock stops. You have the runway to refinance or sell properly.
Balloon Coming Due? Let's Talk Now.
The sooner you reach out, the more options you have. Submit your deal and we'll respond within 24 hours with a clear answer.