NNN & Triple Net Lease Financing
UFIG provides financing for single-tenant net lease (NNN) properties by doing more than submitting a loan package. We review the tenant, lease structure, property, borrower, and full transaction story before presenting your deal to the appropriate investor.
Lenders are primarily focused on the tenant and lease — not just property metrics. If these factors are not properly understood and presented, even strong deals can be misinterpreted or declined.
Lenders are evaluating:
How UFIG Is Different
Every NNN loan UFIG presents to a lender / investor has been reviewed, scrubbed, and positioned to answer the questions an underwriter will ask before they ask them.
We review all financial and lease documentation before presentation — identifying issues, gaps, and strengths that will affect how a loan committee reads the deal.
We assess tenant creditworthiness, remaining lease term, rent escalation structure, renewal options, and corporate versus franchisee guarantee — the factors that drive NNN underwriting.
Potential underwriting issues are surfaced and addressed before your deal reaches a committee — not discovered after a decline.
We construct a complete picture of the property, tenant, borrower, and transaction that tells the full story of the deal — not just the numbers.
Every question a loan committee is likely to ask is addressed in advance. The goal is a file that requires fewer follow-up requests and moves through underwriting efficiently.
Not every NNN lender is right for every NNN deal. We present your loan to the investor whose appetite, execution channel, and criteria best fit your specific transaction.
The goal is simple: present a deal that loan committees can clearly understand and confidently approve.
Depending on the property, tenant, and structure, UFIG arranges NNN financing through multiple channels. We evaluate all options and position the deal based on what produces the best outcome — not what is easiest to place.
Bank financing for qualified NNN assets. Best suited for sub-investment-grade tenants, shorter lease terms, or transactions that require more flexibility than securitized channels allow.
Conservative long-term execution with the most competitive rates for credit-quality NNN assets. Preferred for investment-grade tenanted properties with long remaining lease terms.
Non-recourse securitized execution for stabilized NNN assets. High LTV, fixed rates, and strong pricing for investment-grade and qualifying sub-investment-grade tenants.
Underwritten on tenant creditworthiness rather than property metrics. Available for investment-grade tenants. Often produces the longest terms and most favorable structural features.
Used when appropriate — not as a default. Private execution is available for transactions that fall outside conventional, CMBS, CTL, and life company parameters.
"We evaluate multiple options and position the deal based on what produces the best outcome — not what is easiest to place."
UFIG works with a wide range of single-tenant net lease assets. Each property type carries different underwriting considerations — and those differences are addressed before the deal is presented to a lender.
Long-term absolute NNN leases with investment-grade corporate credit. Lenders prioritize tenant credit rating, remaining lease term, and location demographics.
Corporate and franchisee QSR locations. Lender appetite varies significantly based on whether the tenant is a corporate entity or franchisee operator. Ground leases common.
High transaction volume and consistent lender demand. 15-year standard leases with strong corporate credit. One of the most liquid NNN asset categories.
Recession-resistant with 15–20 year leases. Investment-grade corporate tenants attract competitive execution across CMBS and bank channels.
Large-format single-tenant properties. Corporate guarantees, long-term leases, and strong credit support life company and CMBS execution.
Anchor grocery NNN assets with long-term stability. Evaluated on location, lease structure, tenant financial strength, and re-tenanting viability.
NNN properties are one of the most common replacement assets in a 1031 exchange. Timing is critical.
UFIG coordinates directly with your qualified intermediary, closing timelines, and UFIG requirements to ensure financing is aligned with your exchange deadlines.
Contact us as early as possible in the process. NNN underwriting takes time — waiting until you are under contract on a replacement property introduces risk you do not need.
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Acquiring, refinancing, or evaluating a NNN property? We break down how your deal will be evaluated—and position it to qualify for the best possible rate..
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To evaluate your NNN transaction, we typically begin with a brief conversation about the property, tenant, and your objectives. From there, we work with you to build a complete picture of the deal.
If you’re acquiring, refinancing, or evaluating a NNN property, we provide clear insight into how your deal will be evaluated—and position it to achieve optimal pricing and terms.
