A website demonstration. Bollard is a fictional lender — no office, no licence numbers, and no figure on this site is an offer.
Illustrative closings
Worked deals, not testimonials
Commercial finance announces closings on flat engraved plaques — tombstones. These six are invented in full and labelled on every plaque, because this is a website demonstration and there is no honest way to publish a client list for a business that does not exist.
Structures shown
6
Combined size
$10,982,000
Programmes covered
6
Real closings
None
01
The wall
Six structures, in full
Choose a plaque to read how the deal was assembled — the capital stack, the timeline, and what made it the right instrument.
SBA 504IL-2401 · Kansas City metro
A distributor stops renting the building it had outgrown twice
Eleven years in leased space, two expansions inside it, and a landlord who wanted a five-year renewal at a number that read like a purchase price. The project financed the building, a new dock leveller and the racking in one 504.
Total project
$2,660,000
Bank first mortgage
$1,330,000
CDC debenture
$1,064,000
Owner equity
$266,000
Debenture term
25 years, fixed
74 days from term sheet to funding
An invented worked example built to show how this structure behaves. No client, no closing, no testimonial.
Eighteen days, because the seller had another offer
A vacated warehouse two blocks from the buyer’s existing shop, priced to move and available to whoever could close first. The bridge funded on day eighteen and was taken out by the permanent 504 in month eight, as underwritten.
Purchase price
$1,600,000
Bridge loan
$1,120,000
Term
12 months, interest-only
Origination
1.50 points
Take-out
SBA 504, month 8
18 days to funding
An invented worked example built to show how this structure behaves. No client, no closing, no testimonial.
An associate buys the practice and the premises together
A retiring owner, an associate with eight years in the chair, and a building nobody wanted to separate from the practice. One note covered goodwill, real estate, two operatory rebuilds and ninety days of working capital.
Practice
$1,150,000
Real estate
$980,000
Equipment and fit-out
$180,000
Working capital
$90,000
Owner injection
$240,000
68 days
An invented worked example built to show how this structure behaves. No client, no closing, no testimonial.
Building beside the plant instead of moving away from it
Nothing on the market had the power service the operation needed, and the land next door was already theirs. Twelve monthly draws against a schedule of values, an interest reserve inside the loan, and conversion at certificate of occupancy.
Land already owned
$320,000
Hard costs
$2,050,000
Soft costs and contingency
$310,000
Construction loan
$2,280,000
Interest reserve
$96,000
96 days to close, 14 months to convert
An invented worked example built to show how this structure behaves. No client, no closing, no testimonial.
A seven-year note maturing in eleven months, a building that had appreciated through the term, and an equipment package the business had been funding on cards. One amortising loan replaced four payments.
Existing balance
$1,180,000
Appraised value
$2,050,000
New loan
$1,476,000
Cash to the business
$262,000
Costs and prepayment
$34,000
46 days
An invented worked example built to show how this structure behaves. No client, no closing, no testimonial.
The building next door, bought before it was needed
An operating company buying the flex row it expected to grow into within four years, leasing three of the four units in the meantime. Underwritten on the rent roll, not on the operating business.
Purchase price
$1,450,000
Underwritten NOI
$118,000
Loan at 1.25× DSCR
$1,046,000
Loan at 70% LTV
$1,015,000
Binding constraint
LTV
52 days
An invented worked example built to show how this structure behaves. No client, no closing, no testimonial.
Illustrative only. Bollard is a fictional business built as a website demonstration — the figures below are worked examples, not an offer, a quote or a rate sheet.
02
Why no testimonials
What a demonstration site can honestly show
No invented clients
A quote attributed to a named business owner, over a stock photograph of a stranger, is a fabricated endorsement. Plenty of demonstration sites ship them. This one does not.
No volume claims
No total funded, no deals closed, no years in business dressed up as a track record. There is no track record — there is no lender.
Structures instead
What a worked deal can honestly show is the mechanism: how the pieces fit, what each one costs, and how long it takes. That part is real even when the borrower is not.
Next bay
Tell us about the building
A twenty-minute conversation is usually enough to know whether a deal works, which programme fits, and what your equity actually supports.
A demonstration number in the range reserved for fiction. It does not ring anywhere.
Light, dark, or whatever the device says
System follows your operating system setting and changes with it. Both themes are drawn separately — the dark one is not an inversion.
Colour schemes
Three bands: senior debt, mezzanine, equity. Every scheme is contrast-checked in both themes before it is offered.
Reading and motion
Text size
Reduce motion starts switched on if your device asks for it. It stops the dust field, the shutter, the scroll-driven reveals and every transition — it is the same switch the site obeys from your system.
Studio controls
Rebrand the demonstration live, then copy the link — the whole configuration travels in the URL.
What this site stores
No analytics, no advertising, no third-party scripts. If you accept, four preferences are kept in this browser only: theme, colour scheme, accessibility settings and this choice. Decline and nothing is written — the site still works, it just forgets between visits.
No analytics and no third-party scripts. Four preferences can be kept in this browser — or none.