SF Capital has arranged a $31.2 million refinancing for a multifamily property in the Green Bay Metropolitan Area in Wisconsin, securing the loan from a life insurance company lender. The transaction focuses on recapitalizing an existing asset rather than funding new development or acquisition, and is structured to align with the owner’s long-term investment objectives.
The refinancing was led by Aaron Stempel, Vice President of Originations at SF Capital. He arranged the new debt at a 75% loan-to-value ratio with a 10-year fixed term. According to the firm, this structure is intended to provide the borrower with long-term stability and an improved capital position, giving the ownership group greater visibility on debt costs over the life of the loan. The financing was described as offering competitive terms tailored to the property’s business plan and the sponsor’s hold strategy.
The life company execution indicates that the asset and sponsorship were suitable for insurance company capital, which typically emphasizes predictable cash flow and durable collateral. By locking in a decade-long term at a 75% loan-to-value level, the refinancing allows the borrower to reset the capital stack while maintaining leverage commonly associated with stabilized multifamily assets. The structure supports the owner’s ability to focus on operations and portfolio strategy rather than near-term refinancing or disposition pressure.
SF Capital, headquartered in Farmington Hills, Michigan, is a commercial mortgage banking firm that specializes in placing both debt and equity across property types. The company’s platform provides customized financing solutions nationwide for multifamily, office, industrial, retail, and specialty assets. In this Green Bay Metropolitan Area transaction, the firm served as the intermediary between the borrower and the life insurance company lender, sourcing and structuring a long-term refinancing package that aligns with the owner’s long-range plans for the property.
The deal underscores SF Capital’s role in navigating the life insurance company lending channel for multifamily owners seeking durable, fixed-term financing. By arranging capital that supports both stability and long-term positioning, the firm continues to participate in mortgage banking activity across multiple markets and asset classes while tailoring financing structures to individual ownership strategies.
