COMMERCIAL REAL ESTATE
Turn debt servicing
into equity building.
Every dollar you pay in interest builds the bank's equity, not yours. With a savings club, every contribution goes toward owning the asset. Access capital for your deals while building equity on the side. At the end, you own it outright.
Source: CBRE Cap Rate Survey, Federal Reserve SLOOS, Bankrate Q4 2024
Office & Retail
Class A, B, C in any market
Farms & Ag Land
Commercial agricultural operations
Development Land
Parcels & productive land
Monthly dues only
Compound interest on your capital
100%
Builds equity from day one
60+
Years of proven track record
THE OPPORTUNITY
The Equity Engine.
A savings club gives you access to capital like a credit line, but every payment builds equity in the asset. No interest accrual. No balloon payments. At the end of the term, you own the property outright.
INTEREST-ONLY LOAN
What happens to your money
You borrow $500K
Bridge loan at 9%, IO period of 3 years
You pay $3,750/month for 3 years
Total interest paid: $135,000
Equity built through payments: $0
You still owe exactly $500K. Every dollar went to the lender.
Balloon payment due. Refinance or sell.
The cycle repeats. You borrow again, pay more interest, build zero equity.
Net result after 3 years: $135,000 paid. $0 equity built through payments. Must refinance to continue.
SAVINGS CLUB
What happens to your money
You join a $500K savings club
Flat fee, flat fee, contributions start immediately
You receive your Credit Voucher
Deploy it toward your acquisition. Use it for your deal.
Every payment builds equity
Your contributions go toward owning the asset, not toward the lender's profit.
Own it outright. Or cash out.
No balloon payment. No refinance. You own the asset plus your deal returns.
Net result: Capital deployed for deals + equity built with every payment + no balloon + own it at the end.
Monthly dues only
Equity Built
Through IO payments over any term
100%
Goes to Lender
Every IO dollar is the bank's profit
Repeat
The Cycle
Refinance, pay more interest, repeat
With a savings club, the math works in your favor. Instead of paying for access to capital with nothing to show at the end, every contribution builds equity. You get the same access to capital for your deals, plus an asset you own outright when the term ends.
THE ALTERNATIVE
A credit line that builds equity instead of destroying it.
TRADITIONAL CREDIT LINE
Access capital. Build nothing.
✕ Pay 8-12% annually for access
✕ 100% of payments go to lender
✕ Equity built: $0
✕ Must repay principal separately
✕ At end: owe full principal + paid interest
INTEREST-ONLY LOAN
Lower payments. Zero equity built.
✕ Pay 5-10% for the IO period
✕ Zero principal reduction
✕ Equity built: $0
✕ Balloon payment at term end
✕ At end: refinance or sell
SAVINGS CLUB
Access capital. Build equity.
✓ Flat fee (no accruing interest)
✓ Every payment builds equity
✓ Credit Voucher for deals
✓ No balloon payment
✓ At end: own it outright or cash out
Benefit 1: Capital for deals
Your Credit Voucher gives you capital to deploy into acquisitions. Use it for property purchases, whether you plan to flip, hold, or operate. This is the functional equivalent of drawing on a credit line.
Benefit 2: Equity on the side
While you use the capital for deals, your ongoing contributions build equity in the savings club. This means your deal returns PLUS equity accumulation. At the end of the term, you can cash out the equity on top of whatever returns your deals generated.
With a traditional credit line, your only upside is deal returns minus interest paid. With a savings club, your upside is deal returns PLUS equity built. That is the structural difference.
Monthly debt service on a $500K property.
$500,000 property, 30-year term. Traditional: 25% down ($375K financed), rates from Bankrate Q4 2024. Savings.Club: monthly dues only, flat fee. Both end with full ownership.
| Borrower Profile | SC Monthly | Trad. Monthly | SC Total | Trad. Total | Potential Savings |
|---|---|---|---|---|---|
| Weak Credit / High Risk | $1,806 | $3,430 | $650,000 | $1,359,898 | $709,898 |
| Fair Credit / Moderate Risk | $1,806 | $2,883 | $650,000 | $1,163,033 | $513,033 |
| Good Credit / Standard | $1,806 | $2,622 | $650,000 | $1,068,940 | $418,940 |
| Strong Credit / Low Risk | $1,806 | $2,370 | $650,000 | $978,292 | $328,292 |
| Excellent Credit / Institutional | $1,806 | $2,129 | $650,000 | $891,515 | $241,515 |
Lower monthly payments. Lower total cost. And at the end of 30 years, you own it outright.
How lower debt service transforms your returns.
Same property, same NOI, same equity invested. The only variable is your financing structure.
PURCHASE PRICE
$500,000
EQUITY INVESTED
$125,000
CAP RATE
7.0%
ANNUAL NOI
$35,000
Traditional Financing
CASH-ON-CASH RETURN
2.8%
Total out of pocket: $1,068,940 (incl. $125K down)
Savings.Club
CASH-ON-CASH RETURN
10.7%
Total out of pocket: $650,000. Save $418,940.
On a 7% cap rate property, traditional financing leaves you with $3,536/year in cash flow. Savings.Club generates $13,328/year. Both paths end with full ownership at Year 30. SC gets you there for $418,940 less.
INTERACTIVE CALCULATOR
Model your deal.
Adjust property value and cap rate. See how the numbers change in real time.
TRADITIONAL FINANCING
Cash-on-Cash Return
2.8%
SAVINGS CLUB
Cash-on-Cash Return
24.0%
Traditional: 25% down, 7.5% APR, 30-year amortization. SC: monthly dues only, flat fee (30% of property value), 30-year term. Both end with full ownership. Estimates only.
Cap rate sensitivity analysis.
$500K property, $125K equity. See how your returns change across cap rates.
| Cap Rate | NOI | Traditional CoC | SC CoC | Advantage |
|---|---|---|---|---|
| 6% | $30,000 | -1.2% | 6.7% | +7.9 pts |
| 7% | $35,000 | 2.8% | 10.7% | +7.9 pts |
| 8% | $40,000 | 6.8% | 14.7% | +7.9 pts |
| 9% | $45,000 | 10.8% | 18.7% | +7.9 pts |
| 10% | $50,000 | 14.8% | 22.7% | +7.9 pts |
At a 6% cap rate, traditional financing puts you underwater. Savings.Club keeps you cash-flow positive. And SC costs $418,940 less over 30 years.
Built for investors who think long-term.
Whether you are acquiring your first commercial property, building a debt-free portfolio, or looking to diversify your financing sources.
MOST COMMON
Property Acquirers
Businesses buying office space, warehouses, retail locations, or medical facilities for their own use. Predictable payments, no rate surprises, own it at the end.
HIGH INTEREST
Portfolio Builders
Investors building a debt-free portfolio over time. Move beyond the perpetual refinance cycle. Every payment builds equity instead of servicing someone else's profit.
CREDIT LINE USE
Deal Makers
Active investors who want access to capital for acquisitions while building equity on the side. Use the Credit Voucher for deals. Keep the equity.
PAIN POINT
Refinance Graduates
Investors tired of balloon payments, rate resets, and the constant pressure to refinance. The savings club has no balloon, no rate changes, no refinance required.
STRATEGIC
Diversification Seekers
Sophisticated investors who want to add a non-traditional financing source to their capital stack. Reduce dependence on any single lender or loan product.
UNDERSERVED
Agricultural Operators
Commercial farmers, ranchers, and ag businesses. Traditional ag lenders charge premium rates and demand 25-40% down. The savings club applies the same flat fee to all commercial assets.
DEAL WALKTHROUGH
How a $500K property deal actually works.
You join a CRE savings club
Monthly dues only
Pick the $400K-$600K commercial property club. Monthly contribution: $1,806. Monthly dues only. No application fee. All credit profiles accepted.
Your Savings Score builds monthly
You control the timeline
Every on-time contribution, advance payment, and engagement activity increases your ranking. Your money sits in an irrevocable trust at US Bank (FDIC-insured), managed by Jackson Hole Trust Company.
You receive your purchasing voucher
$500K purchasing power
When your Savings Score reaches the top of the ranking, you receive a $500,000 purchasing voucher. This is not a loan. It is purchasing power backed by the club's common fund.
You buy the property
Title in your name
Use the voucher to purchase your commercial property. The title goes in your name. You own it. You continue monthly contributions to complete the club term.
You own it outright
Save $418,940
At the end of the 30-year term, the property is fully paid. No balloon payment. No refinance. No rate reset. Total paid: $650,000 (flat fee). Traditional financing total: $1,068,940 (including $125K down payment).
$0/mo
Your monthly contribution
$0
Total savings vs. traditional
$0
Down payment required
Based on $500K commercial property, 30-year term. Traditional: 25% down ($125K), 7.5% APR. Savings.Club: monthly dues only, flat fee. Both end with full ownership. Source: CBRE Cap Rate Survey, Federal Reserve SLOOS, Bankrate Q4 2024.
The structural advantages.
Every feature of the savings club is designed to improve your deal economics.
What you gain
● Every payment builds equity (not just the bank's profit)
● Lower monthly debt service on every deal
● Higher cash-on-cash returns with the same NOI
● Credit Voucher for deal-making while building equity
● Flat fee structure with total cost known from day one
● Does not affect your debt-to-income ratio
● monthly dues only to deploy capital across more deals
● No balloon payment. No refinance required. Ever.
What you leave behind
● Interest charges that accrue daily (pure cost, zero equity)
● The perpetual refinance cycle (borrow, pay interest, refinance, repeat)
● Balloon payments that force your hand at the worst time
● Front-loaded amortization that delays equity buildup
● Rate resets on maturing loans that destroy cash flow
● Strict DSCR requirements that kill marginal deals
● Personal guarantees on every deal
● Months of underwriting and committee approvals
Asset classes we cover.
If it generates income or holds value, we can structure a savings club for it.
Office
Class A, B, C office space in any market
Retail
Strip malls, NNN, anchored centers
Warehouse
Distribution, logistics, flex space
Multi-Family
5+ units, apartment complexes
Mixed-Use
Retail + residential, office + retail
Industrial
Manufacturing, processing, heavy industrial
Self-Storage
Climate-controlled and standard facilities
Farms & Ag Land
Commercial farms, orchards, ag operations
Commercial Land
Development parcels, productive land
Hospitality
Hotels, motels, resorts, B&Bs
Medical
Medical offices, clinics, care facilities
Vacation
Vacation rentals, resort properties
And More
Special purpose, marinas, car washes
Scale your portfolio without the constraints.
Traditional CRE financing ties up capital, consumes DTI capacity, and limits how many deals you can run simultaneously. The savings club removes those constraints.
Monthly dues only
Down Payment
Deploy capital across more deals instead of locking 25% into each one. Run three deals with the capital that traditional financing locks into one.
No DTI
Impact
Savings club obligations do not appear on your DTI ratio. Preserves your borrowing capacity for conventional deals, lines of credit, and other financing.
Flat Fee
Known Cost
Underwrite with certainty. No rate surprises, no resets, no balloon payments. Your total cost is locked from day one and it never changes.
AGRICULTURAL & LAND
Productive land is a commercial asset. We finance it like one.
Traditional ag lenders require operating history, tie rates to commodity prices, and demand 25-40% down on raw land. Commercial banks treat farmland as "specialty" and charge accordingly. The savings club finances farms, ranches, orchards, and any land used for productive, commercial, or business purposes with the same flat-fee structure.
Commercial Farms & Ag Operations
Crop farms, livestock operations, orchards, vineyards, greenhouses, aquaculture. Whether you are acquiring your first operation or expanding an existing portfolio, the flat fee helps keep your cost of capital predictable, even with commodity market volatility.
Traditional ag lending rates: 7-12% APR with variable rates tied to USDA indices. Savings.Club: flat fee, fixed from day one.
Development & Commercial Land
Development parcels, entitled land, commercial lots, business-use acreage. Banks charge premium rates on land because there is no existing structure to collateralize. We do not penalize you for buying land. The flat fee applies the same.
Traditional land loans: 8-15% APR with 30-50% down required. Savings.Club: flat fee, monthly dues only.
The opportunity: U.S. farmland values have appreciated 7.4% annually over the past decade. A $500,000 commercial farm financed traditionally at 9% APR costs over $960,000 total. With the savings club, the total cost is the purchase price plus a flat fee, potentially delivering higher returns on an asset class that has historically outperformed the S&P 500 over 30 years.
Flexibility traditional lenders do not offer.
During the savings phase, before your purchasing voucher is awarded.
Half-Payments
Reduce your contribution if capital is needed elsewhere. Your Savings Score adjusts, but you stay in the savings club and keep your position.
Freeze Contributions
Pause contributions entirely if market conditions change, a deal falls through, or you need to redirect capital. Your membership stays active. Resume when you are ready.
Transfer Membership
Transfer your membership to someone else. The process is handled through the savings club. Try doing that with a commercial mortgage.
Available during the savings phase, before your voucher is awarded. After your voucher is awarded and you enter the borrowing phase, standard obligations apply.
SECURITY
Institutional-grade trust structure.
🔒
Irrevocable Trust
Every common fund contribution goes into a legally separate, irrevocable trust. Once deposited, Savings.Club cannot access it, redirect it, or use it for any purpose other than member benefit.
🏛️
Independent Trustee
Jackson Hole Trust Company, a licensed fiduciary with a legal obligation to protect your money. They execute all fund transactions in accordance with the terms of the membership agreement.
🏦
FDIC-Insured Bank Account
The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds.
✅
Member Governing Board
An independent board of members audits and ensures compliance. This adds a layer of transparency that traditional financing never offers.
Bring your lender's best term sheet.
If your current lender can offer lower monthly debt service on the same property with monthly dues only, no balloon payment, no personal guarantee, and full ownership at the end. we will match it. Bring their term sheet. We will show you ours.
No obligation. No pressure. Just math.
Term sheet highlights.
| Structure | Savings club membership with purchasing voucher |
| Fee Type | One-time flat fee (no compounding, no accrual) |
| Down Payment | Monthly dues only |
| Fund Protection | Irrevocable trust, FDIC-insured bank, independent trustee |
| Flexibility | Freeze, half-pay, or transfer during savings phase |
| Exit Options | 7-day satisfaction guarantee. Transfer or convert during savings phase |
| Personal Guarantee | Not required |
| Balloon Payment | None. Own outright at term end. |
Side-by-side comparison.
$500,000 commercial property, 30-year term.
| Traditional | Savings Club | |
|---|---|---|
| Interest / Fee | 7.5% APR (avg.) accruing daily | Flat fee (one-time, never accrues) |
| Total Out of Pocket | $1,068,940 (incl. $125K down) | $650,000 (save $418,940) |
| Equity Built Through Payments | Minimal (front-loaded) or $0 (IO) | Every payment builds equity |
| Monthly Payment | $2,622/mo (7.5% APR) | $1,806/mo (flat fee) |
| Down Payment | 20-30% required ($100K-$150K) | Monthly dues only |
| Balloon Payment | Yes (IO loans) or refinance required | No. Own it outright at end. |
| Credit Check / DSCR | Yes (extensive underwriting) | No |
| Personal Guarantee | Usually required | Not required |
| Flexibility if Cash Flow Drops | Default / foreclosure risk | Freeze, half-pay, or transfer (savings phase) |
| Funds Protected by Trust | No | Yes (FDIC-insured) |
Frequently asked questions.
Everything you need to know about commercial real estate savings clubs.
Stop servicing debt. Start building equity.
Office, retail, warehouse, multi-family, farms, land, and more. Flat fee, monthly dues only, all credit profiles accepted.
Ready to join?
Pick your property value range, tell us about your deal, and get started in under 5 minutes. All credit profiles accepted.
Want to learn more?
See exactly how commercial real estate savings clubs work, step by step. Understand the trust structure, the Savings Score, and the math behind the savings.
How It Works →Operating in TX, FL, MA, CT. Other states coming soon.