What we do

Financing for every stage of the investment lifecycle.

From acquisition and capitalization through stabilization, refinancing, and disposition, Woodward Birmingham Financial Group provides the expertise and capital access to execute at every turn.

Our services

A full-service capital markets practice.

Woodward Birmingham Financial Group offers a comprehensive suite of commercial real estate finance and advisory services. Whether you are acquiring, refinancing, repositioning, or restructuring, we bring institutional-level expertise and a national capital network to every engagement.

We work across all major asset classes and capital structures, from straightforward senior debt placement to complex multi-layered transactions involving mezzanine financing, joint venture equity, and tax-exempt bonds.

Service detail

What we handle, in full.

01

Commercial Mortgage Banking

Our core practice is the placement of permanent, bridge, and construction debt on commercial real estate assets across all major property types. We leverage our exclusive lender relationships and correspondent network to source the most competitive financing available for every transaction.

  • Permanent debt placement
  • Bridge and transitional financing
  • Construction loans
  • Agency and conduit executions
  • SBA financing
Closed example $2.2M Non-Owner-Occupied IndustrialLife company permanent financing for a single-tenant industrial property in Novi, Michigan.

02

Capital Structuring & Debt Placement

Complex transactions require more than a lender. They require a strategist. We design capital structures that account for the full picture: asset risk, sponsor goals, market conditions, and lender appetite.

  • Senior debt structuring
  • Mezzanine and subordinate debt
  • Preferred equity placement
  • Multi-tranche capital structures
  • Recapitalization strategies
Closed example $55M Ann Arbor Apartment CommunityA bridge loan for the acquisition, then a conversion to a HUD permanent loan: a two-stage capital structure.

03

Acquisition & Disposition Advisory

We advise clients on the financial and capital markets dimensions of commercial real estate acquisitions and dispositions, from pre-acquisition financing analysis to disposition strategy and execution.

  • Acquisition financing strategy
  • Pre-closing capital sourcing
  • Disposition and exit planning
  • Investment analysis and underwriting
Closed example $4M National Chain Car WashAcquisition financing for a special-purpose property, sourced through our credit union relationships.

04

Construction & Bridge Financing

Ground-up development and value-add repositioning require specialized financing solutions. We have deep experience structuring and placing construction loans, bridge facilities, and transitional debt across Michigan and beyond.

Closed example $27M Luxury Mixed-Use DevelopmentConstruction-to-permanent financing for ground-up apartments with retail and office space.

05

Joint Venture & Equity Placement

When debt alone isn’t enough, we help clients identify and structure equity partnerships with institutional and private capital sources, aligning sponsor and investor interests to create durable capital structures.

  • JV equity structuring
  • Institutional equity placement
  • Private equity sourcing
  • GP/LP structures
  • Family office relationships

06

Portfolio Optimization & Restructuring

We work with owners and investors to evaluate and optimize existing debt portfolios: identifying refinancing opportunities, addressing underperforming assets, and structuring solutions that protect long-term value.

  • Portfolio refinancing strategy
  • Distressed asset restructuring
  • Loan workout advisory
  • Recapitalization planning
  • Asset repositioning financing
Closed example $8.7M Retail Portfolio RefinanceCash-out refinance of six retail centers under a single loan structure.

07

Tax-Exempt Bond Financing

We have specialized experience structuring and placing tax-exempt bond financing for eligible commercial and multifamily projects, a financing tool that can provide significant cost-of-capital advantages for the right transactions.

  • Multifamily tax-exempt bonds
  • 4% and 9% LIHTC structures
  • Public-private partnership financing
  • Redevelopment bond financing

08

Historic & Adaptive Reuse Financing

Historic redevelopment and adaptive reuse projects present unique financing challenges. We have a proven track record structuring financing for these complex transactions, layering historic tax credits, new markets credits, conventional debt, and equity.

  • Historic tax credit financing
  • New markets tax credit structures
  • Adaptive reuse capital stacks
  • Preservation development financing
Closed example $3M Bowling Alley → Self-Storage ConversionConstruction and mini-perm financing to convert a bowling alley into 360 self-storage units.

Working with us Draft for review

How an engagement works

  1. 01

    Conversation

    Tell us about the property, the business plan, and your timing. We give you a candid read on what the capital markets will support.

  2. 02

    Structure and source

    We shape the capital structure and take the transaction to the lenders and investors best suited to it.

  3. 03

    Application and underwriting

    We manage the application and due diligence, solving problems before they become deal-killers.

  4. 04

    Closing and beyond

    We see the transaction through to closing and stay involved afterward, servicing loans for many of our correspondent lenders.

Who we work with

Developers, investors, and owners, across every asset class.

Asset classes

Every asset class. Every market cycle.

  • Office
  • Multifamily
  • Credit Tenant Leases
  • Industrial
  • Retail
  • Mixed-Use
  • Hospitality
  • Medical / Surgery
  • Mobile Homes
  • Self-Storage

Work with us

Have a transaction to discuss?

We evaluate transactions across every asset class and capital structure. Tell us about your deal.