Brokers, let's be real. You've got deals sitting on your desk right now that should have closed months ago. Great properties. Motivated sellers. But buyers? They're stuck on the sidelines because traditional financing has slammed the door in their face.

That ends today.

At Vertex Private Funding, we've engineered a creative financing structure that's turning dead deals into closed transactions. If you have a seller willing to carry a portion of the financing, we have the capital and flexibility to make it happen—regardless of your buyer's credit history.

The Market Reality: Why Good Deals Are Dying

The commercial and multifamily market in 2025 has been brutal. Interest rates have squeezed buyers out of the market. Banks have tightened their lending criteria to the point where even qualified investors are getting rejected. The result? Properties sitting on the market for months, sellers growing frustrated, and brokers watching their commissions evaporate.

But here's what most brokers don't realize: the problem isn't the property—it's the financing structure.

When you combine our 50% LTV commercial loan product with seller financing, you create a deal structure that opens the door to buyers who would otherwise be locked out. And that means more closings for you.

The Vertex Private Funding Creative Deal Structure

Here's the formula that's moving stalled properties off the market:

Vertex Private Funding: 50% LTV fixed, 30-year term. No minimum credit score. No bankruptcy in the last 3 years. Max loan: $5,000,000.

Seller Financing: 40% of purchase price. 5% interest-only payments. Creates monthly income for the seller.

Buyer Down Payment: Just 10% down plus closing costs.

Total CLTV: 90%—meaning your buyer walks in with minimal capital and walks out owning a cash-flowing asset.

This isn't theory. This is how deals are getting done right now.

Case Study: 123 Main Street — A 42-Unit Multifamily That Was Going Nowhere

Let's break down a real-world scenario. A 42-unit townhome-style multifamily property hits the market at $4,200,000. It's 88% occupied, generating over $436,000 in annual income, and located in a growing market. On paper, it's a solid deal.

But it sat. And sat. Buyers couldn't get traditional financing to work. The seller was getting anxious.

Then we structured the deal like this:

Purchase Price: $4,200,000

Vertex Private Funding (50%): $2,100,000 at 9.875% fixed rate, 30-year amortization, no credit score minimum

Seller Financing (40%): $1,680,000 at 5% interest-only = $84,000/year in passive income for seller

Buyer Down Payment (10%): $420,000 plus closing costs

The result:

The Seller moved their property AND created a $7,000/month income stream from the interest-only payments.

The Buyer acquired a 42-unit property generating immediate cash flow with only 10% down.

The Broker closed a deal that had been collecting dust—and earned their commission.

Everyone wins. That's the power of creative financing.

Why This Works When Traditional Financing Fails

Traditional lenders look at credit scores, tax returns, and debt-to-income ratios. They see risk everywhere. We see opportunity.

Our 50% LTV commercial loan product is designed for exactly these situations:

No minimum credit score required. No bankruptcy in the last 3 years. Up to 90% CLTV when combined with seller financing. Maximum loan amount: $5,000,000. 30-year fixed rate at 10.5%.

When you pair this with a seller willing to carry 40% at interest-only terms, you've just created a deal structure that works for buyers who couldn't get approved anywhere else.

Brokers: This Is Your Competitive Advantage in 2026

The brokers who will dominate in 2026 aren't the ones waiting for the market to "normalize." They're the ones bringing creative solutions to their clients right now.

If you have properties sitting on your books with sellers who are motivated and willing to participate in the financing, you have a deal waiting to happen. You just need the right lending partner to make it work.

That's where we come in.

Make 2026 Your Best Year Yet

The clock is ticking. As we head into 2026, the brokers who adapt will thrive. The ones who keep doing things the old way will keep watching deals die.

Don't let another deal slip through your fingers.

If you have a commercial or multifamily property with a motivated seller, let's talk. We'll show you exactly how to structure the deal to get it closed—fast.

Ready to Close More Deals? Contact Vertex Private Funding Today.

Call us. Email us. Send us your deal. We'll review it within 24 hours and show you how creative financing can turn your stalled listing into a closed transaction.

Vertex Private Funding — Where Deals Get Done.

Product Conditions

For properties with over 5 residential units located in New York City, a 40-year DHCR requirement applies(unique to this product) No such restrictions apply to properties outside of NYC.