Anchor Commercial Capital specializes in DIP financing commercial real estate bankruptcy situations, providing $500K to $50M+ for owners navigating Chapter 11. We structure court-approved, asset-based facilities that keep your properties performing while you restructure. Nationwide coverage across all 50 states.
We specialize in financing for borrowers navigating Chapter 11 — when most lenders won’t even take the call.
You’re restructuring, not giving up. We provide the capital to keep your properties operating and generating income through bankruptcy.
Multiple properties, complex capital stacks, creditor negotiations — we understand the moving parts and structure around them.
Your loan matured, your lender won’t extend, and foreclosure is on the horizon. DIP financing buys you time and leverage.
Court-appointed professionals who need capital to stabilize, improve, or reposition assets under their management.
DIP financing requires court approval. We handle the complexity so you can focus on your restructuring plan.
Submit the form below with your property details, bankruptcy status, and financing needs. We review every deal personally.
We design a DIP facility around your assets, your plan, and the court’s requirements — then prepare the motion for approval.
Once the bankruptcy court approves the DIP facility, we fund. Capital flows to keep your properties performing.
An anonymized composite example showing how lenders usually pressure-test a Chapter 11 commercial real estate financing request.
A mixed-use commercial property enters Chapter 11 with senior-debt pressure, unpaid insurance and tax items, and limited usable cash collateral. The borrower needs new capital, but the financeable request is not a vague rescue loan.
The file becomes lender-ready when the borrower can show a 13-week budget, current payoff, insurance status, critical repair scope, property value support, and a practical exit path through sale, refinance, recapitalization, or plan confirmation.
In this type of review, the DIP request is framed around collateral protection: fund only the items that preserve property value, keep the case moving, and create enough time for a credible exit.
That is the difference between a bankruptcy story lenders avoid and a structured commercial real estate DIP financing request they can actually underwrite.
“The strongest DIP files show control: a defined use of proceeds, a court timeline, current collateral support, and an exit that makes sense before the collateral deteriorates.”
— Anchor Commercial Capital underwriting note
Every DIP financing commercial real estate bankruptcy facility is custom-structured. Here’s the general framework.
Last Updated: September 18, 2026. Anchor’s recent Chapter 11 and special-situation reviews show a clear pattern: lenders are not rejecting commercial real estate DIP financing because the property type is unusual. They slow down when the package does not prove court path, lien position, budget control, and exit.
Across recent hotel, senior housing, mixed-use development, supportive-housing, and stalled-completion requests, the same underwriting questions keep coming up before lenders will quote. Is there an actual bankruptcy case or court approval path? Who holds the senior debt? What collateral value supports a priming or protective facility? What exactly will the DIP proceeds fund over the next 13 weeks?
The strongest files frame DIP financing as collateral protection, not just emergency money. They include a 13-week budget, payoff and lien detail, current operating proof, insurance and tax status, borrower liquidity, counsel contact, hearing timeline, and a sale, refinance, recapitalization, or plan-confirmation exit.
That is why the first conversation should not be only about rate. In a real estate bankruptcy, the better question is whether the requested capital protects asset value long enough for the court-approved strategy to work.
Current lender-readiness test: a DIP request should explain the case posture, collateral value, senior payoff, use of proceeds, 13-week budget, court timeline, and repayment exit before it asks for terms.
Anchor Commercial Capital, September 2026 DIP review
Use this page as the main starting point for commercial real estate DIP financing. These supporting guides explain the package, process, budget, and lender questions that usually determine whether a Chapter 11 financing request can move.
Before lender outreach, organize the cash-flow budget, collateral-protection items, court timing, and exit support in one place.
Debtor-in-Possession (DIP) financing is a special type of loan available to companies that have filed for Chapter 11 bankruptcy. It allows the debtor to continue operating, maintain properties, and fund a reorganization plan — all under court supervision and approval.
Bankruptcy adds legal complexity — court approval is required, there are priority-of-claim issues, and most lenders don’t have the expertise or appetite for it. We specialize in this space and understand the court process, creditor dynamics, and how to structure facilities that get approved.
It varies by jurisdiction and case complexity, but typically 2–4 weeks for a final order. In urgent situations, courts can grant interim approval in as little as a few days, allowing partial funding while the final hearing is scheduled.
Not necessarily. If you’re considering filing and want to understand your DIP financing options before you do, we’re happy to discuss your situation confidentially. Pre-filing planning often leads to better outcomes.
We consider all income-producing commercial real estate: multifamily, retail, office, industrial, mixed-use, hospitality, and special purpose. The key factor is the underlying asset value and its ability to generate income.
The DIP facility is typically repaid through refinancing into permanent debt or a sale upon emergence. We can also help you transition into a bridge loan or connect you with permanent financing sources as you exit Chapter 11.
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