Commercial lending's capital stack is like a high-stakes game of Jenga where millions of dollars and panic replace wooden blocks and laughter. The structure and sequence of your funding sources must be precisely arranged for deal success, with even one misplaced element threatening the entire project.

• Capital stack includes senior debt, mezzanine debt, equity, bridge financing, grants, and tax credits
• Each funding source must fit in the right place, order, and timing
• Lenders are extremely averse to uncertainty or "wobbly" structures
• A real development deal collapsed when equity wasn't fully committed, triggering a domino effect
• Map your capital stack strategically like a military operation
• Secure documented commitments, not just verbal promises
• Never assume funding sources will adjust timelines to accommodate changes

If you've got a deal that needs a smarter structure or a client who's outgrown your credit box, Cardinal Capital can help. Connect with me on LinkedIn or visit cardinalcap.net to learn more.

For more commercial capital information, contact us at [email protected]

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