Commercial Real Estate

Our experienced origination team provides access to numerous sources of capital and builds lasting relationships with borrowers and lenders. Our four primary capital sources include life company portfolio lenders, bank balance sheet lenders, debt funds and CMBS securitized lenders.

Life Company Overview

Commercial mortgage portfolio lenders providing a wide variety of financing solutions.

Comprehensive client service inclusive of in-house asset management and servicing for long-standing lending relationships.

  • Permanent, Construction, Construction/Perm, JV/Participation and Bridge
  • Secured by all asset classes (multifamily, industrial, self-storage, retail, office, student housing, hospitality and more)
  • Loan sizes ranging from $2 to $300+ Million
  • Interest rate locked at application; standard 90-day lock with forward rate lock capability
  • Term length 5 to 30 years (including self-liquidating structure)
  • Non-recourse provisions

Life Company Servicing Platform

Over $3.8 Billion

Loan Portfolio UPB


Lenders Serviced

Debt Fund Capital

Flexible Bridge Loan Solutions for CorePlus and Opportunistic Investments

  • Best suited for value-add acquisition, redevelopment opportunities or construction lease-up
  • Loan sizes generally range from $15 to $200+ Million
  • Moderate to high-leverage appetite
  • Short-term, interest-only floating, or fixed rate capital (maximum 5 years including extensions)
  • Future funding capabilities for capex, tenant improvements/lease-up scenarios
  • Non-recourse, structured product


Securitized mortgages for all asset classes.

  • Loan sizes generally range from $5 to $200+ Million
  • Moderate to high-leverage appetite
  • Terms are typically 10 years term (very selectively shorter-term options may be available)
  • Amortization 25 to 30 years with interest only in select circumstances
  • Rate locked just prior to closing
  • Non-recourse

Why Choose M&T Realty Capital

Experience. Relationships. Commitment.

  • We have a full team of real estate finance experts that accommodate all types of debt financing.
  • We source the right capital for each transaction and have long-standing relationships with 30+ life insurance company lenders.
  • We value our client relationships and our service and commitment extends far beyond loan closing.
  • We provide exceptional servicing for our capital sources which manifests in efficient handling of client requests.
  • We service approximately 350 loans for 24 lenders with a UPB of close to $4 billion.

Contact Our Commercial Real Estate Experts

John Taylor

Regional Sales Manager, Senior Vice President

Kevin Collins

Life Company, Structured Finance Platform Manager

M&T Realty Capital Corporation is a wholly-owned subsidiary of M&T Bank. Member FDIC
All loans and all terms referenced herein are subject to receipt of a completed application, credit approval and other conditions.