Frequently Asked Questions

JP Windsor is a commercial real estate capital advisory firm. We match borrowers and sponsors with institutional lenders across the Americas who are best positioned to fund their specific transaction. We are not a direct lender and do not hold loans on our balance sheet. Our value is in knowing which lenders are actively allocating capital, what their precise credit parameters are at any given time, and how to structure and present a deal to maximize the probability of a competitive term sheet. We work on acquisitions, refinances, construction, bridge, and permanent financing across all major asset classes.

A direct lender has a single credit box: their own. If your deal does not fit their parameters on any given dimension — LTV, geography, asset type, sponsorship, business plan — the answer is no. JP Windsor works with a curated network of lenders with diverse mandates. When you submit a deal to us, we identify which lenders in our network are most likely to quote competitively, structure your presentation to align with their underwriting criteria, and manage the process through to term sheet. The result is that borrowers access a wider and more competitive capital market than any single lender relationship can provide, with significantly less time spent on outreach that leads nowhere.

JP Windsor operates as a capital markets advisory firm. In jurisdictions where arranging commercial real estate financing requires a license, we comply with all applicable regulatory requirements. We focus exclusively on commercial and investment real estate transactions — we do not arrange residential owner-occupied mortgages. If you have questions about our regulatory standing in a specific jurisdiction, contact us directly.

The process moves through four stages. First, you submit your deal through our intake form — basic deal parameters, sponsorship information, and a project summary. Second, our team reviews the submission and issues a pre-qualification determination within 24 to 48 business hours, confirming whether the deal fits within active lender mandates in our network and identifying the most likely capital sources. Third, for pre-qualified deals, we prepare a lender presentation package and make targeted introductions to the relevant lenders. Fourth, interested lenders issue term sheets, which we present to you with our analysis of the terms. From there, you select the lender you wish to proceed with, and we support you through due diligence and closing.

We complete initial pre-qualification within 24 to 48 business hours of receiving a complete submission. Pre-qualification confirms that the deal falls within active lender mandates in our network and provides an indicative view of likely terms. It is not a commitment and does not require a full documentation package — it is a rapid assessment of market fit designed to give you actionable information quickly. If your submission is incomplete, we will contact you within one business day to identify what additional information is needed.

Term sheet timelines vary by lender type and transaction complexity. Bridge and hard money lenders in our network can typically issue term sheets within two to five business days of receiving a complete presentation package. Institutional debt funds and bank lenders typically require five to fifteen business days. Construction financing and complex structured transactions may take longer. We will give you a realistic timeline expectation for your specific deal at the pre-qualification stage and keep you informed at each step.

We handle the full spectrum of commercial real estate financing, including:

• Acquisition financing for stabilized and value-add assets
• Bridge loans for transitional assets and repositioning business plans
• Construction and development financing
• Permanent financing and agency takeouts
• Refinancing of existing debt, including cash-out refinances
• Mezzanine and preferred equity
• Portfolio financing and note-on-note facilities

Asset classes include multifamily, office, retail, industrial, hospitality, self-storage, mixed-use, and land. Contact us if your transaction type is not listed — our network covers a broad range of specialty situations.

Our lender network is most active in transactions of $2 million and above. For loans below this threshold, institutional lenders in our network are typically not competitive with regional banks and credit unions that have local relationships. We are primarily focused on transactions in the $5 million to $200+ million range, though we evaluate each deal on its merits and will advise you honestly if we believe the capital markets are not the right channel for your specific situation.

JP Windsor serves borrowers and sponsors across the Americas — including the United States, Canada, Mexico, Central America, the Caribbean, and South America. Our lender network includes U.S.-based institutional lenders who are active in international markets as well as regional and local capital sources in key markets throughout the hemisphere. Coverage and lender availability vary by market; we will be transparent about depth of coverage in your specific geography at the pre-qualification stage.

JP Windsor is compensated through a placement fee paid at closing, typically calculated as a percentage of the funded loan amount. We do not charge upfront fees, application fees, or retainers as a standard practice. Our interests are aligned with yours: we are paid only when your financing closes. Specific fee arrangements are disclosed in writing in our engagement agreement, which is provided before we begin formal lender outreach on your behalf.

JP Windsor does not collect fees before closing. However, standard third-party costs associated with lender underwriting — including appraisals, environmental assessments, title reports, and legal fees — are typically borne by the borrower and are paid directly to the relevant service providers as part of the due diligence process. These costs are standard in any commercial real estate financing and are not fees charged by JP Windsor.

The initial intake submission requires only basic deal parameters and a project summary — you do not need a full documentation package to receive a pre-qualification. For deals that advance to formal lender presentation, standard documentation typically includes: a rent roll or operating statement for income-producing assets, a project summary or business plan, a sponsorship profile and track record summary, and basic financial information for key principals. Lenders will request additional documentation during their underwriting process. We will guide you through what each specific lender requires.

Once you receive one or more term sheets, we will review them with you in detail — explaining the economics, covenants, conditions, and any terms that warrant negotiation. If you elect to proceed with a lender, you will execute the term sheet (which is typically non-binding except as to exclusivity and good faith deposit terms, which vary by lender), pay any required good faith deposit to the lender's designated escrow account, and enter the formal due diligence and underwriting process. JP Windsor remains engaged through this phase to facilitate information exchange, manage the timeline, and help resolve issues that arise during underwriting.