1031 Exchange Loans
Reinvest sale proceeds and defer taxes.
Who Its Best For?
- Real estate investors selling one property and purchasing another to defer capital gains taxes
- Clients looking to maximize returns by reinvesting proceeds into new opportunities
- Investors coordinating simultaneous or delayed closings
- Those seeking guidance through the 1031 process without missing IRS timelines
What It Does
A 1031 Exchange Loan allows investors to sell one property and reinvest the proceeds into another like-kind property while deferring capital gains taxes. Our financing helps bridge the timing gap between sale and purchase, ensuring liquidity and speed without interrupting the exchange timeline.
We work with experienced intermediaries and tax advisors to ensure compliance and smooth execution, providing the capital and structure to complete your exchange confidently.
Why It Matters
Missing a 1031 deadline can trigger immediate tax liabilities. Properly structured exchange financing lets investors act quickly on replacement properties without losing tax benefits. The benefits include:
- Deferred capital gains taxes when exchanging into another property
- Ability to act fast on new opportunities
- Liquidity and flexibility throughout the exchange process
- Experienced guidance through complex timelines
Key Benefits
- Financing aligned with 1031 timelines (45-day identification, 180-day completion)
- Works for single assets or portfolio exchanges
- Capital available for both purchase and improvement of replacement properties
- Structured in partnership with qualified intermediaries
- Available nationwide
Example Scenario
An investor sells a multifamily property and identifies a new commercial asset within 30 days. To avoid missing the exchange window, we structure financing that allows closing before all proceeds clear, ensuring compliance and preserving tax deferral benefits.
FAQ
What qualifies as a like-kind exchange?
Real property held for investment or business use exchanged for another of similar nature.
How long do I have to identify and close?
You have 45 days to identify and 180 days to close on your replacement property.
Can loan proceeds be used for renovations?
Yes, improvement exchanges can qualify if properly structured.
Do I need to use a qualified intermediary?
Yes, all 1031 exchanges must involve a qualified intermediary to hold proceeds.
Can I combine multiple properties into one exchange?
Yes, you can consolidate or split assets as part of a properly executed exchange.
