Capital Stack Solutions for Real Estate
Large projects rarely work with one funding source. We help you build the right capital stack from day one.
Identify the Land
Plans/Feasibility
Land Acquisition
Horizontal Construction
Vertical Construction
Permanent Financing
More Than Financing. Strategic Capital Guidance.
Heritage Bank is not just a lender. We are a strategic capital partner.
Our team works with developers to evaluate the full capital picture and identify opportunities beyond traditional bank funding. This includes guidance on non-traditional and supplemental capital sources such as:
Equity partners
C-PACE and similar programs
Bond financing
Strategic financing structures
Our role is to help developers build a capital stack that works, not to push a single product. Consultations are provided at no cost and without obligation.
We do not publish program details publicly. Instead, we evaluate each project individually and structure solutions that address equity needs while keeping the capital stack efficient and aligned.
Financing for Large Scale Real Estate Projects
Heritage Bank, N.A. works best with experienced developers pursuing institutional scale projects that create lasting community impact.
Projects we have the ability to support include:
Large scale residential and multifamily developments
Ground-up and phased apartment communities
Assisted living and senior housing developments
Mixed-use and master-planned communities
Commercial and industrial developments
Resort and destination developments
Infrastructure-heavy or district-style projects
Sports Complex and Athletic Facility Developments
Equity Partner Solutions for Large Developments
Equity is often the most difficult piece of the capital stack.
Many developers have strong projects but face equity constraints that slow or stop progress. Pulling cash from other transactions, restructuring partnerships, or delaying development can create unnecessary friction.
Heritage Bank, N.A. offers equity partner solutions designed to help developers overcome equity obstacles without disrupting their broader portfolio. These solutions are structured to support the project while preserving flexibility for the sponsor.
No equity. No problem.
We do not publish program details publicly. Instead, we evaluate each project individually and structure solutions that address equity needs while keeping the capital stack efficient and aligned.
Working with Heritage Bank
Heritage Bank partners with experienced developers to structure complete capital stacks for complex projects where traditional financing alone is not enough. From acquisition through ground-up development, we help identify, align, and execute the right mix of capital to move projects forward.
We specialize in identifying the missing pieces of the capital stack and structuring solutions that keep projects moving. This includes addressing common equity challenges such as:
Limited liquidity due to capital tied up in other transactions
Difficulty sourcing or aligning equity partners
Capital gaps created by project scale or phasing
Timing mismatches between acquisition and construction funding
Rather than forcing a deal into a traditional box, we work with developers to structure capital that matches the reality of large, complex projects.
