The AAI Process
End to end service, no shortcuts.
Most people think getting a commercial loan is two steps: you apply, and you get funded. The truth is, what happens in between is where your terms are won, your timeline is set, and your deal lives or dies—and it’s the part most borrowers never see. We handle all of it. Here’s how it works, start to finish.
The Eight Steps
We do more than process loans. We build relationships.
Step 1
We learn your situation
Your first call with us is a working session. We get on a screen-share and build out the full scope of your project and your finances together—about an hour, start to finish. By the end, we understand exactly what you’re trying to do, and your file is already underway. No checklist to take home. No weeks of chasing paper. The work starts on the first call.
Step 2
We gather your documents
A commercial loan takes a mountain of paperwork. Most brokers hand you a checklist and send you off to collect the documents. We go straight to the people who already have them—your CPA, your attorney, your bookkeeper—and gather everything for you. When a document doesn’t exist yet, like an operating agreement your deal needs, we draft it. The few things only you can provide are the only things we’ll ask you for.
Step 3
We analyze your deal
Before your file goes anywhere, we underwrite it ourselves—the same hard look a bank’s credit department would give it. We model the cash flow, pressure-test the debt, and review everything you own and owe. If something would keep a lender from approving you, we catch it now, while there’s still time to fix it. You know exactly where you stand in days—not months.
Step 4
We build your Placement Package
Everything we learn about your deal goes into this Placement Package. It’s a full credit memo, built the way a lender’s own committee would build it, with every question they’ll ask already answered. Some of the lenders we work with trust it enough to take it straight to their committee. Your deal gets approved faster, and on better terms than you’d get on your own.
Step 5
We take it to the right lenders
We know more than 300 lenders, and we know what each one wants—the deals they fund, the terms they offer, the ones they turn down. So your deal goes straight to the few most likely to say yes on the terms you want. We line up backups from the start, too. If the first lender falls through, the next one is already in motion, so your deal keeps moving forward without delay.
Step 6
We negotiate your terms
The first offer is rarely the best one. When term sheets come in, we weigh each one against the others and against the market—the rate, the fees, the prepayment penalties, the personal guarantees. Then we push back on everything that costs you money, so you’re approved on the best possible terms.
Step 7
We get you to closing
Between approval and the closing table, plenty can still go wrong—a fraudulent item on your credit report, a lost IRS letter, a fee that shouldn’t be on your settlement statement. We handle every one of them before they undermine your deal, so the terms you were approved on are the terms you get.
Step 8
We steward your growth
The first deal is rarely the last. We keep your full financial picture on file and stay close to where you’re headed, so each deal builds on the one before it. One property becomes a portfolio. A single loan becomes a relationship that compounds for years. The first deal earns your trust—the next ten build your wealth.
At AAI, we handle every step of this process. We believe in earning our fee, and we don’t earn it if you’re the one doing the work. And because it’s a success fee, we only get paid when your deal closes.
Want proof the process works?
Check out these deal stories below. Real projects, fast funding.
