Principal Commercial Real Estate Lender

About Us

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More Than Four Decades

Commercial Real Estate Lending

For more than four decades, First National has provided commercial real estate financing to qualified owners, operators, investors and developers.

As a principal commercial real estate lender, First National originates, underwrites, closes and services its loans. Borrowers work directly with an experienced lending organization responsible for evaluating the transaction and making its own credit decisions.

First National has underwritten billions of dollars of commercial real estate transactions across traditional and specialized property types.

“Direct decisions, disciplined underwriting, lasting relationships.”

Direct to Borrower Lending

A Principal Lender With Internal Underwriting

First National performs its underwriting and credit evaluation internally. This provides direct communication between borrowers and the lending organization evaluating the transaction.

Our involvement continues beyond closing. First National services its loan portfolio, maintaining an ongoing relationship with borrowers throughout the term of the loan.

Understanding the Borrower

Commercial Real Estate Financing

First National considers qualified transactions involving:

  • Acquisition financing
  • Commercial real estate refinancing
  • New construction
  • Bridge financing
  • Renovations and property improvements
  • Other qualified commercial real estate capital requirements


Loan structure and availability are determined through First National’s underwriting process and depend upon the individual property and transaction.

client satisfaction
97%
Accepted Cases
92%
Success Rate
98%
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Where First National Lends

First National provides commercial real estate financing throughout the continental United States, excluding Louisiana and North Dakota. First National does not lend in Alaska or Hawaii.

Discuss a Financing Request

Qualified commercial real estate owners, operators, investors and developers are invited to contact First National to discuss a proposed transaction.

Free Borrower Resource

Download First National's Lending Guide

First_National_Financing_Guide

Everything a borrower needs before a first conversation with a principal lender, in one complimentary guide. It covers First National’s published program parameters, the six-step loan process, due diligence and how we evaluate each property type.

It also includes a master document checklist to help you arrive prepared.

Beyond the Formula

Experience, Underwriting and Execution

Commercial real estate financing requires more than a standardized formula. First National evaluates each transaction directly, considering the property, sponsorship, performance, market conditions and proposed business plan.

Property Characteristics

First National reviews the specific asset, collateral and property details that may affect the financing request.

Operating Performance

Historical and current property performance help First National understand the income, stability and repayment support behind the request.

Sponsorship Strength

The experience, financial capacity and ownership structure behind the transaction are considered as part of the underwriting review.

Transaction Purpose

The proposed use of proceeds and business plan are reviewed to determine whether the request meets First National’s underwriting requirements.
We lend with discipline, experience and judgment.

What to Know

Questions And Answers

First National provides commercial real estate financing for qualified owners, operators, investors and developers.

Yes. First National is a principal commercial real estate lender that originates, underwrites, closes and services its own loans.

First National has more than four decades of commercial real estate lending experience.

First National considers qualified transactions involving hotels, senior housing, golf courses, marinas, office, healthcare-related, retail, mixed-use and other commercial properties.

First National lends throughout the continental United States, excluding Louisiana and North Dakota. It does not lend in Alaska or Hawaii.

Yes. First National performs its underwriting and credit evaluation internally.

First National considers acquisition financing, refinancing, new construction, bridge financing, renovations and other qualified commercial real estate capital needs.

Qualified borrowers and representatives may contact First National at 212-244-7400 to discuss a proposed commercial real estate transaction.