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Capital Advisory & Debt Structuring

Sophisticated Capital
for Complex Needs

Fiducia Capitalis delivers institutional-grade debt and equity advisory for businesses, investors, and institutions seeking structured, disciplined capital strategies.

$120M+
Active Deal Flow
5
Financing Verticals
100%
Conflict-Free Advisory
Nationwide
Lender Network

Exceptional Advice.
Experienced Execution.

At Fiducia Capitalis, we specialize in delivering tailored debt and equity advisory solutions for businesses, investors, and institutions seeking structured, sophisticated capital strategies.

We operate at the intersection of finance, strategy, and execution — helping clients secure the right capital, on the right terms, at the right time. We serve transactions coast to coast.

Conflict-Free
Independent advisory with no lender affiliation or bias
Institutional Access
Private credit, banks, family offices, and specialty lenders
Structured Expertise
Complex deal structuring from first look through close
Long-Term Partnership
Relationships built on outcomes, not just transactions

Selected Recent Closings

Hospitality — Construction
$38.5M
Ground-Up Construction Loan
Boutique Resort & Conference Center
Scottsdale, Arizona
Construction financing for a 142-key independent boutique resort with full-service restaurant, spa, and 12,000 SF of conference space. Structured with a 24-month construction period, 6-month interest reserve, and mini-perm conversion at stabilization.
LTC
72%
Term
24 + 12 Mo.
Rate
SOFR + 285
Bridge — Commercial
$14.2M
Bridge Loan — Acquisition
Net Lease Retail Portfolio
Dallas–Fort Worth, Texas
Speed-to-close bridge financing for a 7-property net lease portfolio anchored by national QSR and convenience tenants. Client required a 14-day close to win a competitive bid. Fiducia Capitalis coordinated simultaneous lender underwriting and executed within the contract window.
LTV
68%
Term
18 Months
Close
14 Days
Industrial — Construction
$22.8M
Construction-to-Permanent
Class A Cold Storage & Distribution
Inland Empire, California
Single-close construction-to-permanent facility for a 210,000 SF cold storage and logistics center with a pre-executed tenant lease. Structured to eliminate refinance risk at CO. Fiducia Capitalis sourced an industrial specialty lender and negotiated a rate lock at commitment, protecting the borrower through a volatile rate environment.
LTC
70%
Structure
C-to-P / 10 Yr
Rate
Fixed at CO
Fix & Flip — Portfolio
$8.75M
Revolving Credit Facility
Residential Investor Portfolio Line
Greater Nashville, Tennessee
Revolving credit facility for an experienced investor with 40+ completed flips. Structured as a blanket line allowing simultaneous draws on up to 6 active projects, eliminating per-transaction closings. Underwritten to 80% of purchase price and 100% of rehab costs, capped at 73% ARV per asset.
ARV Cap
73%
Facility
Revolving
Concurrent
Up to 6 Assets
Syndication — Mixed-Use
$67M
Syndicated Construction Facility
Urban Mixed-Use Tower
Denver, Colorado
Lead advisory on a 4-lender syndicated construction facility for a 28-story mixed-use development comprising 310 multifamily units and 40,000 SF of ground-floor retail. Fiducia Capitalis managed the full syndication from capital stack design through participant commitments, coordinating across senior, mez, and preferred equity tranches.
Stack Layers
3 Tranches
Lenders
4 Participants
LTC
74%
Bridge — Hospitality
$11.4M
Acquisition Bridge + PIP
Select-Service Hotel Repositioning
Atlanta, Georgia
Acquisition bridge financing for a 118-key hotel in transition to a Marriott brand flag. Structured to include the full PIP budget required for brand approval, allowing close and renovation without secondary financing. Permanent takeout commitment secured from an SBA 504 lender at LOI stage.
PIP Included
Yes
LTV
71%
Exit
SBA 504

Deal details are representative of transaction types and structures. Specific identifying information has been modified to protect client confidentiality.

O. Anthony Benítez
Founder & Managing Principal
Pepperdine Graziadio Business School 14 Years in Finance & Banking
"Sophisticated capital means more than funding. It means structure, strategy, and alignment — from first conversation to closing."

Anthony Benítez is the founder and managing principal of Fiducia Capitalis, a private capital advisory firm specializing in real estate debt and equity structuring across North America. With a focused practice spanning bridge and hard money lending, complex loan syndication, hospitality finance, residential fix-and-flip capital, and commercial and industrial construction, Benítez brings a disciplined, institutional approach to transactions that demand more than a standard lending solution.

Fiducia Capitalis was founded on the conviction that independent, conflict-free capital advisory — delivered with institutional precision — should be accessible to the investors and developers who need it most. Benítez leads every engagement personally, from initial mandate through closing.

Our Specializations

I.

Bridge & Hard Money Lending

Speed-to-close is often the differentiator between a won and lost deal. We connect borrowers with private and institutional bridge lenders who understand velocity, asset quality, and real exit strategies.

01
Asset-Based UnderwritingHard money lenders we work with prioritize collateral value over credit profiles, enabling closings in 7–21 days on qualifying deals.
02
Bridge-to-Perm StructuringWe structure bridge loans with a clear permanent financing strategy built in — minimizing refinance risk at exit.
03
Distressed & Time-Sensitive AssetsForeclosure rescues, REO acquisitions, and auction purchases all benefit from our hard money lender relationships.
04
Cross-CollateralizationWhere single-asset LTV falls short, we structure cross-collateral facilities using portfolio equity to maximize advance rates.
65–75%
Typical LTV
Up to 80% with strong sponsorship
7–21
Days to Close
Clean title and appraisal required
$500K+
Minimum Loan
Portfolio facilities available
6–24 Mo.
Typical Terms
IO standard; extensions available
Asset Classes
MultifamilyOffice / RetailIndustrialSFR PortfolioLandMixed-Use
II.

Complex Loan Syndication

Large-scale developments require capital stacks that no single lender can — or should — hold alone. We architect and syndicate multi-lender facilities for the most complex commercial and mixed-use developments in the country.

01
Capital Stack StructuringSenior debt, mezzanine, preferred equity, and JV equity layered for maximum capital efficiency and minimum dilution.
02
Lead Arranger SourcingWe identify and engage agent banks and non-bank lead arrangers with appetite for syndication mandates in your asset class.
03
Participant Lender OutreachCommunity banks, credit unions, insurance companies, and debt funds seeking participation positions.
04
Due Diligence CoordinationWe manage information flow, lender Q&A, and package presentation across all participant parties through to closing.
05
Tribal & Special-Purpose EntitiesActive experience financing tribal enterprise developments and other unique-purpose borrower structures.
$25M+
Minimum Deal Size
Most efficient above $50M
3–8
Typical Lender Count
Across senior and mezzanine tranches
4+
Capital Stack Layers
Senior, mezz, pref equity, JV equity
$120M
Current Engagement
Active tribal gaming resort mandate
Development Types
Mixed-Use UrbanResort & GamingIndustrial ParksMultifamily 200+ UnitsLife Sciences
III.

Hospitality Financing

Hotel and resort financing demands specialized lenders who understand RevPAR, ADR trends, flag requirements, and the nuances of operating business underwriting layered onto real estate collateral. We speak that language fluently.

01
Flagged & Independent PropertiesBranded (Marriott, Hilton, IHG, Hyatt) and boutique independents each require different lender profiles — we match accordingly.
02
PIP-Inclusive FinancingAcquisition loans incorporating Property Improvement Plan costs, allowing buyers to close and renovate without separate bridge financing.
03
STR & Extended StayDistinct cash flow profiles require lenders experienced in short-term rental and extended-stay sub-sectors — we source them specifically.
04
Ground-Up Resort DevelopmentNew resort construction financing including phased draws, FF&E, and pre-opening operating reserves.
05
SBA 504 & USDA PathwaysFor qualifying owner-operators, we identify SBA 504 and USDA B&I guaranty loan structures for long-term, low-cost permanent capital.
06
Mezzanine & Preferred EquityLayered behind senior hotel debt to reduce equity requirements without covenant tension on qualifying high-leverage acquisitions.
55–70%
LTV Senior Debt
Higher with SBA, USDA, or mezz
DSCR
Primary Underwriting
1.25x–1.40x min; STR on trailing 12
$2M+
Loan Size Range
Boutique inn to large resort construction
PIP
Renovation Included
All-in financing with flag improvements
Hotel Categories
Full-ServiceLimited-ServiceBoutiqueExtended StayResort / CasinoSTR Portfolios
IV.

Fix & Flip Residential

Residential fix-and-flip investors need capital that moves with their pipeline. We source short-term hard money and DSCR lenders who understand the investor mindset and underwrite accordingly.

01
Purchase + Rehab FinancingSingle-close loans covering acquisition and renovation budget, with draw schedules tied to inspection milestones.
02
ARV-Based LendingAfter-Repair Value underwriting allows investors to borrow against stabilized value rather than the distressed purchase price.
03
Portfolio Lines of CreditRevolving credit facilities for experienced flippers — simultaneous projects without per-loan closings.
04
New Investor ProgramsLenders offering structured programs for borrowers completing their first or second flip with a clear exit strategy.
Up to 90%
of Purchase Price
Up to 100% of rehab on qualifying deals
70–75%
of ARV
After-Repair Value maximizes access
$100K+
Minimum Loan
SFR, 2–4 unit, small multifamily
6–18 Mo.
Typical Terms
Sell or refi exit both acceptable
Property Types
Single-Family2–4 UnitCondoTownhomeSmall Multifamily
V.

Commercial & Industrial Construction

Ground-up construction for commercial and industrial assets requires lenders with deep experience in draw management, cost overrun analysis, and stabilized exit underwriting. We connect developers with construction capital that performs.

01
Ground-Up Construction LoansFull-term financing with interest reserves, draw schedules, and built-in mini-perm or take-out provisions.
02
Industrial & LogisticsWarehouse, distribution, cold storage, and last-mile logistics — asset classes with strong lender appetite in the current cycle.
03
Office-to-Industrial ConversionFinancing for adaptive reuse projects converting obsolete office product into high-demand industrial use.
04
Retail & Net Lease DevelopmentPre-leased construction financing for net lease tenants with credit tenant estoppels supporting underwriting.
05
Construction-to-PermSingle-close facilities converting from construction to permanent financing at CO, eliminating refinance risk entirely.
60–75%
LTC Typical Range
Up to 80% with strong pre-leasing
12–36 Mo.
Construction Period
Plus mini-perm or take-out at stabilization
$3M+
Minimum Project
No cap; syndicated structures available
C-to-P
Single-Close Option
Eliminates refinance risk at completion
Project Types
Warehouse / LogisticsNet Lease RetailOffice-to-IndustrialCold StorageMedical / MOBMixed-Use

From Mandate to Close

01
Initial Consultation
We assess your deal structure, timeline, capital needs, and exit strategy. No obligation. A real conversation — not a pitch.
02
Mandate & Packaging
We structure and present your transaction in the format institutional lenders expect. Loan package, financial model, and deal narrative — professionally prepared.
03
Lender Outreach
Targeted outreach to lenders with active appetite for your asset class and loan size. Precision targeting — no spray-and-pray.
04
Term Sheet & Close
We negotiate term sheets, manage due diligence, and stay engaged through closing to protect the transaction at the finish line.

Capital is not just raised.
It is structured.

Whether you're at the idea stage or ready to distribute your package, Fiducia Capitalis is prepared to engage. Our advisory process begins with a single conversation.

Schedule a Consultation