Client Challenge: Securing Prime Commercial Property in the Hamptons

A discerning business owner in Southampton, NY, faced a classic challenge in one of New York’s most competitive real estate markets: acquiring a prime commercial property without depleting essential capital. To compete effectively in the Hamptons, the client required a strategic, long-term ownership solution. Their specific needs included:

• A significantly lower down payment requirement.
• The stability of a long-term, fixed-rate structure.
• A financing plan that ensured maximum capital preservation.

M1 Capital Corp’s Strategic SBA 504 Solution

Recognizing the client’s need for both favorable terms and capital preservation, M1 Capital Corp expertly structured and arranged a comprehensive SBA 504 financing package. By leveraging the power of the SBA 504 loan program, we provided the client with the ideal vehicle to secure the highly-sought-after commercial property with favorable, long-term debt. This approach successfully allowed the client to achieve ownership while retaining valuable working capital critical for sustaining and growing their business.

Seamless Execution

Our experienced team navigated the complexities of the SBA process to ensure a fast and efficient closing:

• Structured SBA 504 financing with a focus on long-term fixed-rate debt for maximum predictability.
• Navigated all stringent SBA loan requirements and documentation to guarantee a seamless and timely closing process.
• Perfectly balanced the client’s property ownership goals with their immediate need for working capital retention.

Tangible Results and Client Impact

The outcome provided the client with significant, lasting benefits:

• Secured long-term ownership via robust SBA 504 commercial real estate financing.
• Achieved a substantially reduced down payment compared to what conventional commercial loans typically require.
• Gained predictable fixed-rate financing, guaranteeing financial stability in the competitive New York commercial real estate market.

This transaction clearly demonstrates how expertly structured SBA 504 financing is an invaluable tool that supports ambitious business owners in highly competitive markets like the Hamptons and across New York commercial real estate. With M1 Capital Corp’s deep expertise in structuring SBA 504 loans, our clients can confidently achieve critical property ownership, sustained business growth, and long-term financial stability.

“We are proud to have secured advantageous financing for our client in such a competitive market. This transaction underscores our commitment to providing creative, flexible solutions that meet the unique needs of each client.”

— Robert Withers, President, M1 Capital Corp