SPECIAL SITUATIONS · Capital guide
Refinance and Recapitalization
A refinance replaces debt; a recapitalization may also return capital, fund completion, resolve maturity, or introduce new senior or subordinate sources.
Lenders distinguish a constructive reset from a request that simply moves an unresolved problem forward.
01 / Credit frame
What shapes the financing discussion
- 01 Current payoff and maturity
- 02 New-money use
- 03 Value and cash-flow support
02 / Common friction
A mistake that slows the process
A cash-out request without a clear post-closing business plan can weaken an otherwise viable refinance.
03 / Preparation
What to have ready
- Current loan statement
- Updated valuation support
- Sources and uses
- Operating or completion plan
- New exit timeline
Questions borrowers ask
Does this guarantee financing?
No. Financing remains subject to lender underwriting, borrower qualifications, sponsor experience, project feasibility, location, budget, permits, collateral, loan purpose, and applicable requirements.
Is this for owner-occupied projects?
No. Capital to Keys is designed for business-purpose, investment construction and development financing—not consumer-purpose residential mortgages.
What should I do next?
If the project is real and the core facts are available, complete the existing Capital to Keys questionnaire for an initial alignment review.
Related financing guides
Ready to test the project against the market?
Use the existing questionnaire. No competing intake form has been created here.