The L.I.F.T. Program · Large-scale Investments for Future Transformation
One lender.
The entire
capital stack.
Atlas Capital Partners delivers the Phoenix Capital Solutions L.I.F.T. Program: 100% structured financing for development projects of $100 million and above. One facility covers construction through long-term financing, so the owner keeps majority equity from day one.
All loans subject to underwriting approval, project eligibility, and program criteria. Minimum project size $100M.
Why L.I.F.T. is different
L.I.F.T. replaces every layer of a traditional stack.
A traditional development deal is assembled from a senior loan, mezzanine or preferred equity to fill the gap, and a large cash down payment from the owner. That means several lenders, several intercreditor negotiations, and a refinance at the end. L.I.F.T. replaces all of it with one facility, from groundbreaking to stabilization and beyond.
One lender, start to finish. No debt service during construction. The owner retains 55% equity after stabilization.
Loan structure
Built around how a project
is actually delivered.
Construction Phase
A construction period of 2 to 7 years with no debt service required. The owner focuses on building without monthly payments weighing on cash flow.
Interest on Drawn Funds Only
Capital is released in phases against an approved draw schedule, and interest accrues only on funds actually drawn. You don't pay for money you haven't used.
Long-Term Financing
The same facility carries the project for up to 30 years at a rate fixed for the full term. No refinancing risk and no lender change mid-project.
Equity preservation
Commit 10%. Keep
the majority.
L.I.F.T. asks project owners for a 10% capital commitment, held as collateral to align interests and secure the financing relationship. In exchange for full capitalization, Phoenix Capital Solutions participates as an equity partner in the project.
Equity allocation shown is the standard program structure. Final allocation is set per project in the term sheet.
Project example
A $100M multifamily
development on L.I.F.T.
Projected value, 3 to 8% annual growth
Illustrative 10-year projection from the PCS L.I.F.T. program model. Projections are estimates, not guarantees of value or profit.
Underwriting
Five criteria. We underwrite
the project's potential.
Project Location
A prime, high-growth area with strong infrastructure and amenities.
Funding Amount
Requested funding sized to carry the project through completion with no shortfall.
Project Type
Commercial, residential, or mixed use, with terms customized to each category.
Collateral
At least 10% of the requested funding committed as collateral.
Projected NOI
Net operating income 3 years after stabilization that covers debt service.
Qualifying projects, $100M and above
Plan your project
Estimate your
L.I.F.T. structure.
Enter your total project cost to see the facility, your capital commitment, and the standard equity split at stabilization.
Minimum project size $100M. Estimates only, based on standard program terms. Actual terms depend on underwriting.
100% of project cost, before repair costs and interest reserve
Held as collateral
Interest accrues on drawn funds only
PCS 35%, reserve converted 10%
Process
From consultation
to first draw.
Consultation
An introductory call to review the project, the capital need, and fit with L.I.F.T.
Application
Submit the intake package: Client Information Sheet, KYC and AML documents, proof of ownership or site control, and your capital deployment plan.
Term Sheet and Review
Our team and institutional partners underwrite against program criteria. Initial decisions in as little as 30 days from term sheet issuance.
Documentation and Commitment
Loan and joint venture documents in as little as 30 days after underwriting, and the 10% capital commitment is placed in escrow.
Phased Deployment
Capital is released against milestone-based draws. Typical timeline is 8 to 12 or more weeks from submission to first deployment.
Why Atlas
The dedicated
home of L.I.F.T.
A partner, not just a lender
With an equity stake in every L.I.F.T. project, we share a vested interest in your long-term success and bring strategic expertise and industry connections to the table.
Documentary diligence
Every file is verified against source documents before a term sheet is issued. Clear requirements up front mean fewer surprises at closing.
Global reach, Florida roots
Atlas serves sponsors across North America, Europe, Asia, and select global markets from the Phoenix Capital Solutions headquarters in West Palm Beach.
Apply for L.I.F.T.
Tell us about
the project.
Share the basics and an Atlas advisor will contact you to schedule a consultation. Full documents are requested after an NDA is in place.
- Executive summary and business plan
- Sources and uses and development budget
- Pro forma with projected NOI
- Evidence of site control and entitlement status
- Sponsor financials and KYC documentation
Submission received
Thank you. An Atlas advisor will contact you to schedule a consultation.
For immediate assistance call (561) 461-8006.