– CAPITAL ADVISORY

Strategic Capital Solutions for Complex Situations

Spira Finance Advisors partners with businesses, sponsors, and lenders to structure and secure capital in situations that demand experience, creativity, and execution.

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The Complete Guide to Financing Your First Commercial Property

The Complete Guide to Financing Your First Commercial Property

So, you’ve decided to take the leap into commercial real estate. That’s exciting and honestly, a little scary too. Whether you’re looking to buy an office building, a retail space, a warehouse, or a multi-unit apartment complex, one thing is certain...
Supply Chain Lending: How It Works and When It Makes Sense

Supply Chain Lending: How It Works and When It Makes Sense

Strong sales do not always mean strong cash flow. Many businesses run into pressure because they have to pay suppliers, fund production, or purchase inventory long before customer payments arrive. Supply chain lending is built for this gap. It helps businesses finance...
Why This Maturity Wall Matters Right Now

Why This Maturity Wall Matters Right Now

What matters right now is not just that CRE loans are maturing. It is that a massive amount of debt is coming due at a time when refinancing has become more difficult, more expensive, and less predictable. According to the Mortgage Bankers Association, about $957...
Why Prepayment Terms Deserve Attention

Why Prepayment Terms Deserve Attention

Most borrowers focus on rate, leverage, and speed. Prepayment terms are often reviewed quickly and then ignored. That can be costly. Prepayment restrictions directly affect the borrower’s flexibility. They influence whether you can refinance, sell, or restructure your...
What is a capital stack and do you need one?

What is a capital stack and do you need one?

“How a Deal Is Structured” Matters Most Most borrowers start financing conversations with the wrong question: Can I get a loan? The better question is: Can this deal be structured in a way a lender (or investor) will easily say yes to? Many commercial deals don’t fail...