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About Us

At Pendrith Capital, we operate upon the core values of transparency, synergy, and trustworthiness. As a lower to middle market  financial advisory firm, we put you and your visions first. We are always determined to help every client find the best capital options available.

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Conventional Lending

Pendrith Capital Investment Grade programs

CONVENTIONAL FINANCING Programs

FDIC – Insured conventional loans or mortgages are secured by banks and credit unions. Conventional mortgages are for both investment as well as owner occupied properties.

​Pendrith Permanent Conventional Loan  
Loan TypeAcquisition, refinance & refinance with cash out​.
Loan Amount (USD)3 Million - 120 Million
Loan Amount (CA)1 Million - 85 Million
Loan to Cost 85%
Loan to Value75%
RecoursesLoan can be recourse or non-recourse depending on underwriting criteria.
Standard ReservesTaxes, Insurance Reserves (Based on several factors), and TI/LC (if applicable)

Conventional loans generally have much more stringent underwriting criteria and will require a personal guarantor. This type of loan will limit the borrowers access to capital for investment properties due to contingent liability.

TermFixed RateFloating RateMaximum LTVAmortization
3 Years6.17% - 8.19%6.22% - 10.47%85% - Owner-Occupied / 75% - Investment30 Years
5 Years5.94% - 7.96%6.22% - 10.47%85% - Owner-Occupied / 75% - Investment30 Years
7 Years5.91% - 7.93%6.72% - 10.47%85% - Owner-Occupied / 75% - Investment30 Years
10 Years5.83% - 7.85%7.22% - 10.47%85% - Owner-Occupied / 75% - Investment30 Years
15 Years6.33% - 8.85%7.22% - 10.47%85% - Owner-Occupied / 75% - Investment15 Years

Private Banking Programs

TermFixed RateFloating RateLoan to ValueAmortization
3 Years6.42% - 7.25%5.87% - 10.50%85% - Owner-Occupied / 75% - Investment30 Years
5 Years6.19% - 7.02%6.02% - 10.50%85% - Owner-Occupied / 75% - Investment30 Years
7 Years6.16% - 6.99%6.17% - 10.50%85% - Owner-Occupied / 75% - Investment30 Years
10 Years6.08% - 6.91%6.37% - 10.50%85% - Owner-Occupied / 75% - Investment30 Years
15 Years6.33% - 7.16%6.62% - 10.50%85% - Owner-Occupied / 75% - Investment15 Years