Portfolio loans are commercial loans constructed to cover multiple properties, rather than using one property as collateral for the loan. These loans are popular among developers and commercial real estate investors who own multiple varying performing properties (good to poor) and can take advantage of the total average EBITDA income metric (earnings before interest, taxes, depreciation, and amortization) and appraised value on all properties to make financing more favorable for all properties, not just the high performing properties.

Financing a property portfolio is slightly more challenging than your traditional commercial real estate loan. Lenders often take into account several factors including a strong financial statement and the plausibility of the portfolio. North Fork Commercial can guide you through your portfolio loan.