Client Lending
Specialty Finance

Specialty Financing
for Unique Assets

When conventional lending falls short, our specialty financing solutions provide creative capital for unique assets, structures, and scenarios.

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Aircraft Financing

Structured financing for private aircraft — with lenders who specialize in high-value aviation assets and understand complex ownership structures, operating entities, and cross-border considerations.

Yacht Financing

Structured financing for luxury vessels — with lenders who specialize in marine lending and understand high-value acquisitions, registration structures, and unique ownership and usage requirements.

Physician Financing

Specialized lending solutions for physicians, dentists, and medical professionals — including practice acquisition loans, partnership buy-ins, equipment financing, and residential mortgages with flexible income documentation for high-earning professionals.

Luxury Asset Financing

Art, collectibles, jewelry, and other alternative assets used as collateral — through our network of specialty lenders and asset-based lending partners.

  • Specialists in non-standard assets and complex borrower profiles
  • Creative structuring for situations conventional lenders decline
  • Access to private, institutional, and specialty lenders nationwide
  • Confidential handling of sensitive client situations
  • Experienced team with cross-border and multi-jurisdiction expertise

Examples of specialty financing solutions Community Capital has engineered for advisors and their clients.

Marine Financing $1.3M

Yacht Acquisition Financing in Florida

A client sought financing for the acquisition of a yacht in Southern Florida, evaluating multiple vessels and ownership considerations. The Lending Team sourced interest from several specialty marine lenders, leading to a closing with a Florida-based bank experienced in marine financing within 30 days of term sheet execution.

We identified a specialty aviation lender in our network with specific experience in fractional jet financing. The loan was structured with the LLC as borrower, individual guarantees from each partner, and a floating rate tied to SOFR with a 15-year amortization. The transaction closed in 40 days — ahead of the client's delivery deadline. The advisor used the transaction to deepen relationships with all three business partners, each of whom became new advisory clients.

Franchise Acquisition Financing $400K

Multi-Location Franchise Acquisition Financing for a Family Investment Group in Massachusetts

A father and his two sons sought financing to acquire ownership interests in multiple Dunkin' franchise locations through a newly formed LLC. The Lending Solutions Team sourced interest from more than ten lenders and identified an unsecured financing structure through a regional bank that aligned with the family's ownership objectives while minimizing collateral requirements.

Community Capital structured a physician-specific practice acquisition loan that underwritten on projected earnings and specialty income, rather than historical W-2s. The loan closed within 45 days with a competitive fixed rate and no prepayment penalty, allowing the physician to complete the partnership transition on schedule. The advisor retained the client's investment portfolio and deepened the relationship by facilitating a complex financing need that would otherwise have gone unmet.

Business Acquisition $5M

Texas Oilfield Services Business Acquisition in Texas Financed with SBA 7(a)

Two experienced oil and gas professionals sought financing to acquire an established oilfield services company operating in Texas and Colorado. After evaluating conventional and SBA financing options, the buyers secured SBA 7(a) acquisition financing through a national lender with deep transaction expertise, providing both the capital and guidance needed to successfully complete the acquisition.

The transaction required coordination across the client's operating company and a personal holding LLC. We identified a lender experienced with dual-use aircraft ownership structures and helped the client navigate the registration and insurance requirements. The loan closed in 35 days — in time for the client's scheduled delivery. The advisor deepened the relationship by facilitating a financing solution the client had struggled to arrange independently.

Medical Office Financing $3.5M

Medical Office Building Refinance Supporting Physician Partner Buy-Out in Florida

A physician practice sought financing to refinance its medical office building as part of a broader ownership transition involving the retirement of two physician partners. The Lending Team sourced multiple new lenders, helping validate that the client's existing bank was offering competitive market terms and providing confidence to move forward with the refinancing strategy.

The practice had strong patient retention and consistent revenue but limited tangible assets beyond equipment and goodwill. We identified a lender experienced with intangible-heavy healthcare acquisitions who was comfortable underwriting to practice cash flow and the borrower's professional credentials. The transaction closed in 45 days. The advisor retained the client's personal investment portfolio and has since been introduced to the selling dentist as a referral.

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