Home 2017-04-21T06:15:09+00:00

INTRODUCING A BETTER WAY TO CAPITALIZE

As your advocate, Capitalize puts into motion multiple disciplines and proven tactics that have helped our clients successfully acquire combined capital of nearly $8 billion to meet the most demanding real estate lending requirements.

Led by Alan Rurik, with over 25 years of commercial mortgage banking experience, we’ve built an exemplary portfolio by knowing what minimizes risk for both lenders and investor. And our long-standing relationship with an extensive network of funding resources offers the ultimate assurance that, when it comes to money, we can find it.

WHO WE ARE

Bringing deals to life is just the beginning.

Bringing deals to life is just the beginning.

Experience counts in making the most of opportunity. Our 25+ years of understanding what lenders want and how to fit borrowers to those specs has resulted in nearly $8 billion dollars in successful commercial loan origination. With consummate skills in anticipating obstacles and meticulously planning for solutions, our Capitalize team stands ready to be your advocate in getting the deal done.

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ALAN G. RURIK
CEO and Principal

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GARY MATTOZZI
Senior Associate Broker

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BARBARA JAMES-FILE
Senior Associate Broker

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MARIA V. LEMBO
Broker – Partner
Loan & Servicing Admin

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MASON C. ROSENTHAL
Associate

coming-soon

COMING SOON
Loan Analyst

HOW WE WORK

We’ve honed our skills navigating deals through the most treacherous obstacles.

We’ve honed our skills navigating deals through the most treacherous obstacles.

Today, capitalizing on unique opportunities requires extraordinary shepherding through a treacherous process with a fine-tuned clairvoyance.

Since 1992, Capitalize has specialized in the origination and servicing of commercial mortgage investments with transparency and integrity for a significant network of institutional investors and prominent lending institutions. With a comprehensive understanding of the complexities of institutional capital markets and unrelenting attention to detail, we offer a highly developed instinct for getting loans funded in the face of the most demanding requirements.

Our goal is to develop long-lasting relationships, deliver financing strategies uniquely tailored to each client’s needs, and eliminate risk of loss to our investors and lenders through our flexible real estate financing programs.

LOAN STRUCTURE
FINANCING ALTERNATIVES
LOAN TYPES

WHAT WE’VE DONE

OFFICE
RETAIL
MULTI-FAMILY
INDUSTRIAL

From one deal to another, we have an unmatched ability to pivot quickly while maintaining intense focus.

From one deal to another, we have an unmatched ability to pivot quickly while maintaining intense focus.

Over the years, we’ve delivered uniquely tailored strategies through our flexible permanent financing programs. Here are just of few projects that demonstrate our ability to turn opportunity into reality.

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CASE STUDY:

Piranesi Apartments
Denver, Colorado

Capitalize assisted a California-based investor in securing financing for the acquisition and development of a high-rise condominium community located in the heart of Downtown Denver, Colorado – The Historic Golden Triangle Neighborhood.

READ FULL STORY

COMMUNITY

To us, getting deals done means more when we give back.

To us, getting deals done means more when we give back.

Our work isn’t about finding the money for investors. We also believe in being supportive of the good work being done within our community. Because as advocates for opportunity, we have a great appreciation for those who are advocates for everyone.

As a cancer survivor, Alan Rurik is a strong supporter of Fresno’s Healing Garden. The garden offers an opportunity for cancer survivors and families affected by cancer to find healing and growth within 3-acres designed for sanctuary and celebration.

LEARN MORE about Fresno’s Healing Garden

CLICK TO LEARN MORE ABOUT THE ORGANIZATIONS WE SUPPORT

CONTACT US

Let’s get started on getting your deal done.

Let’s get started on getting your deal done.

Capitalize
1398 West Herndon Avenue Suite #101
Fresno, CA 93711
Phone: 559.244.3100
Fax: 559.244.3110
Email: maria@capitalize.cc

Sites we frequent to keep our skills sharp:

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PRIVACY POLICY | LEGAL

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Loan Structure

Amount: $500,000 to $70 million

Maturity: 5 – 25 years

Interest Rates: Fixed interest rates priced at a spread over the comparable maturity U.S. Treasury Note or swap. The spread will be determined by the type of product, credit quality of the loan, as well as loan-to-value ratio.

Security: First Position Deeds of Trust only.

Personal Guarantees: Occasionally required; and occasionally required for carve-outs.

Prepayment: A predetermined structure: typically a fixed percentage, yield maintenance, or other pre-determined formula.

Escrows: A monthly escrow for real estate taxes and property insurance may be required. Other reserves may also be required.

Assumption: Assumption by an approved purchaser may be permitted with payment of a 1% assumption fee, and any out-of-pocket costs.

Secondary Financing: Generally prohibited.

Loan-to-Value: Typically up to 85% for real estate, up to 100% for credit approved transactions.

Loan Servicing Capitalize provides complete loan servicing operations for institutional, securitized lenders, and private investors.

Investment Developer/Investors turn to Capitalize for assistance in adding financial strength to investment opportunities from the Company’s roster of private and institutional equity investors.

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Financing AlternativesN

Life Insurance Companies

  • • Permanent Financing
  • • Forward Commitment Structuring
  • • Rate Lock & Secured Capital

CMBS (Commercial Mortgage Backed Securities)

  • • Permanent Financing
  • • Forward Commitment Structuring
  • • Bridge Loans
  • • Mezzanine Financing

Agency Lender

  • • Fannie Mae
  • • Freddie Mac
  • • HUD

Other Institutional Lenders

  • • Permanent Financing

Credit Lenders

  • • Conventional Permanent Financing
  • • Equipment Financing

Banks

  • • Construction & Permanent Financing

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Loan Types

Loan Origination

  • • Office Buildings
  • • Retail Centers
  • • Industrial Buildings and Complexes
  • • Apartment and Communities
  • • Mobile Home Properties
  • • Self-Storage
  • • Rehabs and Redevelopment Projects
  • • Church Financing
  • • Residential/Single Family (discreet high-end)

Financing Tools

  • • Permanent Loans
  • • Interim, Bridge, and Gap Financing
  • • Mezzanine Products
  • • Construction Financing
  • • Structured Transactions
  • • Private Party Transactions
  • • Acquisitions and Investments
  • • Loan Servicing
  • • Asset Management

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Financing AlternativesP

Life Insurance Companies

  • • Permanent Financing
  • • Forward Commitment Structuring
  • • Rate Lock & Secured Capital

CMBS (Commercial Mortgage Backed Securities)

  • • Permanent Financing
  • • Forward Commitment Structuring
  • • Bridge Loans
  • • Mezzanine Financing

Agency Lender

  • • Fannie Mae
  • • Freddie Mac
  • • HUD

Other Institutional Lenders

  • • Permanent Financing

Credit Lenders

  • • Conventional Permanent Financing
  • • Equipment Financing

Banks

  • • Construction & Permanent Financing

<PREVIOUS | CLOSE | NEXT>

Loan Structure

Amount: $500,000 to $70 million

Maturity: 5 – 25 years

Interest Rates: Fixed interest rates priced at a spread over the comparable maturity U.S. Treasury Note or swap. The spread will be determined by the type of product, credit quality of the loan, as well as loan-to-value ratio.

Security: First Position Deeds of Trust only.

Personal Guarantees: Occasionally required; and occasionally required for carve-outs.

Prepayment: A predetermined structure: typically a fixed percentage, yield maintenance, or other pre-determined formula.

Escrows: A monthly escrow for real estate taxes and property insurance may be required. Other reserves may also be required.

Assumption: Assumption by an approved purchaser may be permitted with payment of a 1% assumption fee, and any out-of-pocket costs.

Secondary Financing: Generally prohibited.

Loan-to-Value: Typically up to 85% for real estate, up to 100% for credit approved transactions.

Loan Servicing Capitalize provides complete loan servicing operations for institutional, securitized lenders, and private investors.

Investment Developer/Investors turn to Capitalize for assistance in adding financial strength to investment opportunities from the Company’s roster of private and institutional equity investors.

CLOSE | NEXT>

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CAREERS

Capitalize on your future by joining our winning team.

If you're thinking about taking a meaningful step to the kind of career you've always wanted, it's time to take a close look at Capitalize.

We are always seeking ambitious, intelligent, and mature individuals who want to join a close-knit team of commercial mortgage banking professionals who excel at finding the money for our client's opportunities.

Over the last 20 years, Capitalize has built a stellar reputation for understanding what lenders want and require and how to fit borrowers to those specs, delivering loans that represent $8 billion in successful deal making.

We are open to all experience levels, whether you currently a producer in the mortgage banking or commercial real estate industry, or ready to graduate from college with an aptitude for business and finance.

For experienced producers, Capitalize offers an opportunity to put your skills to work in a dynamic, supportive environment where the only limits are your ambition.

Or, if you're just starting your career, we have openings for analyst trainees where you'll spend valuable time with seasoned producers while working on all property types and markets.

careers-alan-g-rurikReady to become an Advocate for your own Opportunity?

EMAIL ALAN