What Is Debt Maturity Advisory in Commercial Real Estate?

Debt maturity advisory is a strategic service that helps commercial real estate (CRE) owners proactively plan for and manage upcoming loan maturities. As a wave of CRE loans comes due—often amid volatile rate environments—borrowers face rising refinance risk, reduced proceeds, and liquidity challenges. Maturity advisory helps you get ahead of those issues by aligning preparation, structure, and execution to protect asset value and portfolio performance.

Why Loan Maturities Demand Early Action

Every CRE loan has a maturity date when repayment, refinancing, or restructuring is required. For properties financed with interest-only or shorter-term debt, this is often a critical inflection point. Waiting too close to maturity narrows options and increases risk.

Debt maturity advisory helps answer essential questions well in advance:

What will capital markets look like when my loan matures?

Can current property performance support a refinance?

Are there alternatives beyond traditional refi or sale?

How do upcoming maturities affect my full portfolio risk?

What Debt Maturity Advisory Includes

Maturity advisory goes far beyond suggesting lenders. It involves detailed diagnostics, tailored planning, and hands-on execution to deliver better outcomes. Key elements include:

Maturity Timeline Mapping: Visualize all upcoming maturities and spot concentrations of risk.

Refinance Readiness Analysis: Assess whether current income, leverage, and market appetite support a new loan.

Strategic Restructuring Plans: Explore options like extensions, equity infusions, or sales when refinancing is constrained.

Capital Stack Realignment: Maturity events are a chance to reset terms, improve alignment, or reduce weighted cost of capital.

Lender Engagement Support: Use advisor relationships and market insight to improve negotiating power with current and new lenders.

Why Maturity Planning is Critical in 2025

The CRE market is under pressure from higher rates, stricter underwriting, and tighter capital. With over $900 billion in CRE loans maturing annually through 2026, many borrowers face significant headwinds. Without proactive planning, owners risk:

Higher Financing Costs: Replacing loans in a high-rate market can reduce proceeds or increase debt service.

Valuation Pressure: Lower values or wider cap rates may block like-for-like refinancing.

Dilutive Capital Solutions: Last-minute rescue capital can reduce ownership or future upside.

How Advisors Help You Navigate Maturities

A maturity advisor provides foresight, structure, and execution support to navigate each maturity event with control and confidence. Benefits include:

Tailored Action Plans: Every loan is different. Advisors build custom strategies around your timing, goals, and cashflow.

Portfolio-Level Insights: Analyze your full debt schedule to identify risks, rollover clusters, or refinance opportunities.

Transaction Execution: From lender discussions to document delivery, advisors help manage the process end-to-end.

Value Preservation: Whether refinancing, recapitalizing, or repositioning, advisory helps ensure maturities become value-enhancing—not value-eroding—events.

Why Defease With Ease | Thirty Capital is Your Maturity Advisory Partner

With over 25 years of CRE debt market experience, Defease With Ease | Thirty Capital delivers full-service maturity advisory to help owners proactively plan and execute around upcoming loan events. Our integrated approach blends market data, capital stack modeling, and lender strategy to help you reduce risk, improve outcomes, and make timely, informed decisions.

Start planning now—before time and market pressure reduce your options. Contact our maturity advisory team today.

“We appreciated your patience as you explained very clearly each step of a highly technical process and made yourself available when we needed you to answer questions or provide information. Your efforts made the process seem flawless.”

“Thirty Capital Financial provides true turnkey service. We are a very hands-on client, and the group has met our expectations for process management, cost efficiency, and timing every time. Thirty Capital Financial provides an objective, expert service that helps us meet our transaction goals.”

“Your expertise was critical in making this transaction run smoothly from start to finish. Your knowledge and professionalism made this transaction seamless. You took what could be a complicated transaction and made it easy!”

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