Mezzanine Loans in New Jersey
Browse 8 lenders offering mezzanine loans in New Jersey. Compare rates, requirements, and loan programs — then connect directly.
Who are the Mezzanine lenders in New Jersey?
8 lenders offering mezzanine loans to borrowers in New Jersey.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
CBRE Capital Markets
Dallas, TX
Global CRE services and capital markets. Arranges debt and equity for all commercial property types.
Goldman Sachs
New York, NY
Major CMBS conduit originator. Large-scale commercial mortgage financing and mezzanine debt.
Greystone
New York, NY
Full-service commercial real estate lending platform. Agency, bridge, mezzanine, and permanent financing. Top Freddie Mac and FHA lender.
JLL Capital Markets
Chicago, IL
Global commercial real estate services firm. Debt placement, equity advisory, and investment sales across all property types.
LoanCore Capital
Hartford, CT
Transitional commercial real estate lender. Bridge and mezzanine debt for value-add and repositioning strategies.
Morgan Stanley
New York, NY
Top CMBS originator. Large commercial real estate lending and securitization.
Walker & Dunlop
Bethesda, MD
Major commercial real estate finance company. Multifamily specialist. Agency, bridge, and mezzanine lending.
How do mezzanine loans work in New Jersey?
Mezzanine loans are subordinate real estate loans secured by a pledge of the borrower's ownership interests rather than a mortgage lien on the property itself. Borrowers use them when the senior lender's proceeds stop short and they want to reduce the common equity check. In New Jersey, 8 lenders currently offer Mezzanine financing with loan amounts from $1M to $100M and rates typically ranging from 6.75% - 11.97%.
What does the New Jersey market look like?
New Jersey's location between New York and Philadelphia, combined with a dense transportation network, makes it a premier logistics and pharmaceutical hub. The state has more scientists and engineers per square mile than any other state.
New Jersey has the highest commercial property tax rates in the nation, with effective rates often exceeding 3% of market value, making tax analysis and appeals critical components of CRE investment strategy. The state's Realty Transfer Fee of approximately 1% on commercial sales (with an additional 1% mansion tax on properties over $1 million) adds significant transaction costs. New Jersey's strong environmental regulations, including the Industrial Site Recovery Act (ISRA), require environmental assessments and remediation before transferring commercial and industrial properties, which can delay transactions but ultimately protects buyer value.
Who should consider mezzanine loans?
- Large acquisitions with a capital gap
- Recapitalizations
- Senior-loan executions that stop short on proceeds
- Experienced sponsors managing intercreditor terms
What are the key requirements?
- Usually at least a $1M capital need
- Strong sponsor track record and exit plan
- Senior lender consent plus an intercreditor agreement
- Debt service and leverage that still work for the full stack
What are the pros and cons?
Advantages
- ✓Can reduce the common equity check
- ✓Usually no direct property lien
- ✓Often structured interest-only
- ✓Can add proceeds above a senior mortgage
Considerations
- •Usually the priciest layer in the stack
- •Senior lender approval is typically required
- •Intercreditor terms can limit remedies
- •Often not a fit for small-balance deals
Frequently asked questions about mezzanine loans
What is a mezzanine loan in real estate? ▼
How is mezzanine debt different from preferred equity? ▼
Do senior lenders have to approve mezzanine debt? ▼
How small can a mezzanine loan be? ▼
Where can I find mezzanine loans by city in New Jersey?
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