Acres Capital

What Acres Capital does

ACRES Capital, LLC is a privately held, SEC-registered investment adviser that operates a nationwide direct lending platform for middle-market commercial real estate. Founded in 2013 and headquartered in Uniondale, New York, the firm originates construction, bridge, and permanent mortgage loans ranging from $15 million to $100+ million across all 50 states, with stated coverage of multifamily, industrial, office, hospitality, retail, self-storage, and mixed-use asset classes. Its products are structured to be non-recourse and interest-only, providing borrowers flexibility across the property lifecycle from predevelopment through stabilization.

The firm operates three core loan products that map to distinct lifecycle phases: Value Creation (floating rate, 1–3 year construction and adaptive-reuse debt), Bridge (3–5 year term financing for lease-up and stabilization), and Permanent (5–15 year fixed-rate loans on stabilized assets). Originations are sourced through a relationship-driven direct sales team with regional coverage rather than intermediaries or broker networks, and the company discloses recent closing volumes of approximately $496 million in Q1 2026 and $571 million in Q4 2025.

Economically, ACRES generates interest income on its loan portfolio plus origination and asset-management fees. Its capital base is being scaled through securitization — most recently a $1 billion commercial real estate CLO closed in February 2026 — and through its external management role with the publicly traded ACRES Commercial Realty Corp. (NYSE: ACR). In 2026, ACR announced a definitive all-stock merger to internalize ACRES Capital's management, which would approximately double combined AUM from $2.2 billion to $4.7 billion and concentrate over 45% of combined equity in the management team. Headcount is concentrated at 11–50 employees across offices in Uniondale and Westbury, NY.

Name

Acres Capital

Legal name

ACRES Capital, LLC

Website

https://acrescap.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

ACRES Capital is a privately held, SEC-registered investment adviser that originates construction, bridge, and permanent loans ($15M–$100M+) for middle-market commercial real estate developers nationwide across multifamily, industrial, office, hospitality, and retail asset classes.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Real Estate Credit (522292), Funds, Trusts, and Other Financial Vehicles (525), Other Financial Vehicles (525990)

SIC

Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

akta.pro secondary industries

Real Estate Private Credit (CRE Debt) (FSANADAG), Commercial/Non-Residential Construction-to-Perm Financing (FSALAHAE), Spec/Tract Builder Construction Financing (FSALAHAC)

Keywords

• Commercial mortgage lending
• Construction loans
• Bridge financing
• Permanent loan financing
• Middle-market real estate

Headquarters

HQ city

Westbury

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income from Commercial Mortgage Lending: ACRES generates revenue through interest income on construction loans, bridge loans, and permanent financing provided to commercial real estate developers and owners. Loan amounts range from $15 million to $100+ million, with typical terms of 1-15 years depending on the loan phase (value creation, bridge, or permanent).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

ACRES Capital is a nationwide direct lender providing construction, bridge, and permanent commercial mortgage loans to middle-market real estate developers and owners. Loan sizes typically range from $15 million to $100+ million across asset classes including multifamily, industrial, office, hospitality, retail, self-storage, and mixed-use, with non-recourse, interest-only structures delivered through an end-to-end lending platform.

Product overview

ACRES Capital operates as a nationwide commercial mortgage lender providing an end-to-end lending platform for middle-market commercial real estate projects. The company offers three core loan products across the property lifecycle: Value Creation (floating rate debt for predevelopment, construction, and redevelopment), Bridge (mid-term financing for lease-up and stabilization), and Permanent (long-term fixed rate financing). These products support various asset types including multifamily, industrial, office, hospitality, retail, self-storage, and mixed-use properties. The company provides non-recourse, interest-only financial solutions with loan amounts typically ranging from $15 million to over $100 million, operating nationwide across all U.S. states.

Differentiator

Problem solved

Functional benefit

Products and services

• Value Creation Loans Floating-rate debt solution for entitled land, construction, adaptive reuse, and property redevelopment, sized $15M-$100M with 1-3 year terms for commercial real estate developers and owners.
• Bridge Loans Mid-term financing with 3-5 year terms used during lease-up and stabilization periods of commercial real estate assets.
• Permanent Loans Long-term, fixed-rate loan solutions with 5-15 year terms for stabilized commercial real estate properties, with flexible rates and structures.
• Construction Loans Debt capital for new development and ground-up construction of commercial real estate projects.
• Multifamily Lending Financing solutions for multifamily properties including garden-style, mid/high-rise, student housing, and build-to-rent communities.
• Industrial Lending Financing for industrial properties including logistics facilities, distribution centers, and adaptive reuse projects.
• Office Lending Financing for office properties including acquisition, adaptive reuse, and predevelopment activity.
• Hospitality Lending Financing for hotel properties including construction, renovation, and refinancing.
• Retail Lending Financing for retail properties including stabilization and retail-oriented mixed-use developments.
• Self Storage Lending Financing for self-storage facility development and construction.
• Mixed-Use Lending Financing for mixed-use developments combining residential, retail, and commercial components.

Quantifiable outcome

• Assets under management expanded from $2.2B to $4.7B through proposed internalization merger
• +2 more outcomes

Named customers13 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lument: Middle-market CRE lender (formerly Hunt Real Estate Capital) providing Fannie Mae, Freddie Mac, FHA, bridge, and mezzanine financing. Closest comparable to ACRES in deal-size sweet spot and product breadth.
• Bridge Investment Group: Vertically integrated real estate investment manager with a sizable CRE debt and special situations lending business. Comparable in CRE debt structuring and sponsor relationships, though larger and more diversified.
• Northmarq: Privately held CRE capital markets firm providing debt, equity, investment sales, and loan servicing. Comparable to ACRES in middle-market debt origination and nationwide sponsor coverage.
• Ready Capital: Publicly traded CRE lender with a multi-channel origination platform including SBC, bridge, and small-balance commercial lending. Comparable in product mix but broader and more diversified than ACRES.
• Walker & Dunlop: Large publicly traded CRE lender with a major middle-market and small-balance origination franchise. Directly comparable in product mix (construction, bridge, permanent) and customer base of CRE sponsors.
• Argentic: Middle-market CRE debt platform (formerly GDF Capital) focused on senior and stretch-senior loans across transitional and stabilized assets. Closely comparable to ACRES in deal size and lifecycle lending.

Broad incumbents

• JLL Capital Markets: Global CRE services giant with a sizable capital markets lending practice covering construction, bridge, and permanent debt. Overlaps with ACRES on debt origination but operates as a much broader, full-service platform.
• PGIM Real Estate: Global CRE investment manager with a substantial direct lending platform across debt strategies. Comparable in CRE debt underwriting but operates at far greater AUM scale.
• Newmark Group: Diversified CRE services platform including investment sales, leasing, and capital markets debt origination. Comparable in capital markets lending capabilities but broader and larger in scale than ACRES.
• CBRE Capital Markets: World's largest CRE services firm with an integrated debt origination business. Overlaps with ACRES in CRE debt placement and origination but at materially larger scale and broader service mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/acres-commercial-realty
• Xx.com/ACRESCapital

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Acres Capital