Linton Global Solutions Is Not a Lender
Linton Global Solutions is a Florida-licensed commercial real estate brokerage (Florida Broker License #BK703722). We are not a bank, lender, or originator. We act as an intermediary, advisor, and broker for commercial real estate financing — connecting borrowers with third-party lenders including community banks, regional banks, money-center banks, life companies, CMBS originators, agency multifamily lenders (Fannie Mae DUS, Freddie Mac Optigo / Small Balance), HUD MAP lenders, SBA Preferred Lenders, debt funds, private capital sources, and direct-balance-sheet investors.
Final loan terms are determined exclusively by the originating lender pursuant to that lender's credit approval and underwriting process. Linton Global Solutions has no authority to commit any lender to any loan terms, rate, or approval. We do not extend credit, advance funds, or guarantee any financing outcome.
About Advertised Rates & Loan Terms
Interest rates, leverage ranges, amortization periods, debt service coverage ratio (DSCR) thresholds, yield maintenance and defeasance references, prepayment terms, fees, and other loan-program characteristics shown anywhere on this website are estimates only. They are based on Florida commercial real estate market conditions and lender feedback as of the date of the page's last update and are subject to change at any time without notice.
Rate ranges shown represent typical ranges observed in our experience for the indicated loan program and are not offered to any specific borrower or for any specific property. Actual interest rate, fees, leverage, amortization, prepayment terms, covenants, and other loan terms applicable to a specific transaction depend on numerous factors including (without limitation):
- Borrower credit profile, net worth, liquidity, experience, and entity structure
- Property characteristics including asset class, age, condition, location, occupancy, and trailing operating performance
- Loan-to-value (LTV), loan-to-cost (LTC), debt service coverage ratio (DSCR), and debt yield
- Required third-party reports (appraisal, environmental, engineering, seismic where applicable)
- Insurance availability, terms, and pricing (a particularly material variable in Florida)
- Lender-specific underwriting guidelines, in-house policies, and capacity
- Macro factors including U.S. Treasury yields, SOFR levels, credit spreads, and market liquidity at time of application
No Commitment to Lend
No content on this website constitutes a commitment to lend, an offer to extend credit, a pre-qualification, a loan approval, a rate lock, or a guarantee of any loan terms.Any binding loan commitment, rate lock, or loan approval must come directly from a specific originating lender in writing, subject to that lender's underwriting, credit approval, third-party report acceptance, and final documentation. We will assist clients in obtaining, negotiating, and executing such commitments — but they originate from lenders, not from this brokerage.
Regulation Z (Truth in Lending) Context
U.S. Federal Reserve Board Regulation Z (12 CFR Part 1026) implements the Truth in Lending Act (TILA) and primarily governs consumer creditadvertising and disclosure. Commercial real estate financing for business or investment purposes generally falls outside Regulation Z's scope when extended primarily for business, commercial, or agricultural purposes and not for personal, family, or household use. However, we voluntarily provide rate context, disclosures, and broker disclosure language consistent with the spirit of Regulation Z and similar regulations because we believe transparent communication about financing terms is appropriate regardless of the technical regulatory classification of any specific transaction.
Educational background on Regulation Z is available from the Federal Reserve's Consumer Compliance Outlook publication and the Consumer Financial Protection Bureau. See, for example: "Understanding Regulation Z's Advertising Requirements" — Consumer Compliance Outlook and the CFPB Regulation Z reference.
Where any specific transaction referenced through this site is determined to be subject to Regulation Z (for example, owner-occupied property with a consumer-purpose loan), the disclosures and timing required by Regulation Z and the originating lender will apply and will be provided by the originating lender consistent with that lender's standard practice.
SBA Loan Program Disclosures
References to the SBA 504 and SBA 7(a) programs reflect general program parameters as published by the U.S. Small Business Administration. All SBA-guaranteed loans are subject to SBA program rules, SBA size standards, SBA eligibility, SBA Preferred Lender (or non-Preferred Lender) origination, and SBA authorization. Authoritative information about SBA loan programs is available from the U.S. Small Business Administration.
HUD / FHA Multifamily Loan Disclosures
References to HUD 223(f), 221(d)(4), 223(a)(7), and other HUD multifamily programs reflect program parameters as published by the U.S. Department of Housing and Urban Development. All HUD-insured loans are subject to HUD program rules, HUD MAP lender origination, environmental and structural compliance, replacement reserves, and HUD final commitment. Authoritative HUD multifamily program information is available at HUD Multifamily Housing.
Fannie Mae & Freddie Mac Agency Loan Disclosures
References to Fannie Mae DUS (Delegated Underwriting and Servicing) and Freddie Mac Optigo / Small Balance Loan programs reflect program parameters as published by the respective Government Sponsored Enterprises (GSEs). All agency loans are subject to GSE eligibility, originator underwriting, and GSE-approved final terms. Authoritative information is available at Fannie Mae Multifamilyand Freddie Mac Multifamily. Fannie Mae, DUS, Freddie Mac, and Optigo are registered trademarks of their respective owners.
CMBS & Conduit Loan Disclosures
References to CMBS (Commercial Mortgage-Backed Securities) and conduit lending reflect general market characteristics of these securitization-based lending models. CMBS loans are originated by individual CMBS lenders pursuant to that lender's underwriting standards, then pooled and securitized through capital markets execution. Specific CMBS loan terms, including yield maintenance, defeasance, special servicer transfer thresholds, and lockbox / cash management requirements, are determined by the originating lender and applicable trust documentation.
Bridge, Hard Money, and Private Capital Disclosures
Bridge loans, hard money loans, and private capital loans referenced on this site are originated by specific debt funds, private lenders, family offices, and individual capital sources. These loans are typically interest-only, short-term, and may include personal guarantees, recourse provisions, prepayment penalties, and other terms that vary materially from lender to lender. Specific terms are determined by the originating lender at time of application.
Linton Global Capital Disclosure
Linton Global Capitalis a separate affiliated entity within the Linton Global family of companies that may directly originate or co-invest in commercial real estate debt, including bridge loans, distressed debt acquisitions, and bridge-to-stabilization financing. Where Linton Global Capital is the direct lender or capital provider, the applicable Linton Global Capital loan documents and disclosures will apply. Where third-party lenders are the source of capital, those lenders' documentation will apply. Linton Global Solutions, the Florida-licensed commercial real estate brokerage, is a separate entity from Linton Global Capital.
Broker Disclosure
Linton Global Solutions may receive a brokerage commission, origination fee, referral fee, or other compensation for commercial real estate financing transactions sourced through our broker relationships. All such compensation will be disclosed in the applicable brokerage agreement or fee agreement executed with the client. Commission rates and fee structures are negotiable. Florida real estate brokerage activities are conducted under Florida Broker License #BK703722.
Forward-Looking Statements
Statements regarding future commercial real estate market conditions, cap rate trends, rate environments, insurance market developments, and similar forecasts are forward-looking and inherently uncertain. Actual outcomes may differ materially from expectations stated or implied on this site. Past loan terms, transactions, market conditions, or property performance do not guarantee future results.
Not Investment, Tax, or Legal Advice
Content on this website is provided for general informational purposes only and does not constitute investment, legal, accounting, tax, or financial advice. Commercial real estate investing involves significant risk, including loss of principal. Readers should conduct their own due diligence and consult with qualified Florida licensed professionals — including a real estate attorney, certified public accountant, tax advisor, and independent financial advisor — before making any commercial real estate or financing decision.
Last updated: June 6, 2026
Contact us if you have questions about specific loan programs, terms, or compliance considerations.