Financial Markets & Capital Allocation

Capital Solutions & Underwriting Financials

Capital Deployment & Financial Parameters

An overview of our investment horizons, deployment scale, risk mitigation metrics, SEC accreditation criteria, and underwriting financial requirements.

Disciplined Capital Allocation

Capital Management Advisory LLC maintains strict financial criteria across all commercial lending programs and direct investor offerings. Our structured finance platform matches accredited capital with high-performing real estate and corporate opportunities while maintaining conservative risk limits.

Financial Analytics and Modeling
Capital Allocation Scales

Capital Deployment Tiers

Flexible allocation brackets for investor partners and project debt:

  • Tier 1: $100,000 – $250,000
  • Tier 2: $250,000 – $500,000
  • Tier 3: $500,000 – $1,000,000
  • Tier 4: $1,000,000 – $5,000,000+
Investment Horizons

Investment Horizons

Tailored term lengths structured for liquidity and yield:

  • Short-Term (12–36 Mos): Senior bridge loans and commercial debt.
  • Medium-Term (3–5 Yrs): Value-add real estate and preferred equity.
  • Long-Term (5+ Yrs): Infrastructure developments and JV equity.
Target Yield Structure

Target Return Structures

Yield profiles engineered to reflect risk-adjusted capital placement:

  • First-Lien Debt: Regular monthly distribution yields.
  • Preferred Equity: 15% – 20% fixed preferred hurdles + participation.
  • JV / Co-Investment: Targeting 20% – 30% ROI / IRR on equity.

Regulatory Financial Qualifications & Intake

Key standards governing investor suitability and borrower loan underwriting.

1. SEC Regulatory Accreditation Standards

Under SEC Reg D (Rule 506), direct high-yield opportunities are restricted to accredited investors meeting at least one of the following criteria:

Accreditation Type Financial Threshold
Income Standard Individual income exceeding $200,000 (or $300,000 joint) in each of the prior two years with expectation of the same this year.
Net Worth Standard Individual or joint net worth exceeding $1,000,000 (excluding primary residence).
Entity Standard Entity with total assets exceeding $5,000,000 or where all equity owners are accredited.
Institutional / Licensed Series 7, 65, or 82 license holders, Qualified Purchasers, Banks, or Registered Investment Companies.

Investor Qualification Submissions:


2. Borrowers Financial Documentation Checklist

To receive a firm loan commitment letter within 3–5 business days, commercial borrowers must submit standard financial documentation:

  • Sponsor Financials: Personal Financial Statement (PFS) signed/dated within 90 days (for 20%+ owners), plus 3 years of filed personal and corporate Tax Returns.
  • Operating Financials: 3 years historical P&Ls and Balance Sheets, Trailing 12-Month (T12) P&L, YTD P&L, Certified Rent Roll, and 3–5 year Pro Forma operating budget.
  • Real Estate & Third-Party Reports: Executed PSA, current debt payoff statements, existing title policy, Appraisal, Phase I ESA, and Property Condition Assessment (PCA).

Underwriting Financial Team:

Loan Package Submissions: