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Business Banking      Industry Specialties      National Net Lease Finance

National Net Lease Finance

Specialized Financing for Single-Tenant Properties Nationwide

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Smart Solutions

At Cogent Bank’s National Net Lease Finance Division, we provide financing solutions for single-tenant net lease (STNL) properties from coast to coast (up to 3 tenants). Our dedicated team brings decades of experience in this market segment, delivering competitive terms with accelerated approvals and streamlined closings.

Our Approach

Specialized Expertise: Our exclusive focus on single-tenant properties gives us unmatched insight into this unique market segment. We understand the specific challenges and opportunities these investments present.

Nationwide Coverage: We finance properties throughout the U.S., with no geographic restrictions. Our ability to handle multi-state transactions—where borrowers and properties may be in different locations—sets us apart from your typical lender.

Relationship-Driven: We build lasting relationships with brokers and borrowers by delivering consistent execution and transparent communication throughout the financing process.

Entrepreneurial Spirit: As part of Cogent Bank, we combine institutional stability with entrepreneurial flexibility, allowing us to create customized solutions while maintaining rigorous credit standards.

Program Highlights

  • Financing for properties leased to investment-grade and strong credit-quality tenants
  • Competitive terms and pricing
  • Accelerated approval process
  • Efficient closing timeline
  • Experienced in-house credit and closing teams

Target Properties

We specialize in financing properties leased to national and regional corporate tenants across various sectors:

  • Quick-service and casual dining restaurants
  • Convenience stores (with & without fuel)
  • Automotive retail and service
  • Dollar stores
  • Medical/Healthcare
  • Veterinary
  • Banking and financial services
  • Warehouse/Distribution
  • Box retail & Grocery
  • Other essential retail and service providers

Meet the National Net Lease Team

Rich Dowdy
Rich Dowdy SVP, Managing Director, National Net Lease Finance
Location: Orlando
Ben Finger
Ben Finger CFA, VP, Credit Officer
Location: Orlando
Melissa Ruberto
Melissa Ruberto AVP, Loan Processing Manager
Location: Orlando

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