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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.
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.
We specialize in financing properties leased to national and regional corporate tenants across various sectors:
National Net Lease Finance provides financing for investors purchasing or refinancing single-tenant net lease (STNL) commercial properties. Cogent Bank offers customized financing solutions for qualifying net lease investments across the United States.
A single-tenant net lease property is a commercial building leased to one tenant under a long-term lease where the tenant is typically responsible for property taxes, insurance, and maintenance expenses. These properties are often considered attractive investments because of their predictable income streams.
Cogent Bank finances a variety of qualifying single-tenant net lease properties nationwide, including retail, restaurant, medical, industrial, convenience store, and other commercial investment properties occupied by established tenants.
Yes. Cogent Bank offers refinancing solutions that may help investors improve cash flow, access equity, or restructure financing for qualifying single-tenant net lease properties.
National Net Lease Finance is designed for commercial real estate investors, developers, family offices, investment firms, and other borrowers seeking financing for qualifying net lease investment properties.
Financing allows investors to preserve capital, improve liquidity, leverage investment opportunities, and build diversified commercial real estate portfolios while maintaining predictable cash flow from long-term leases.
Financing decisions generally consider factors such as tenant credit quality, lease structure, remaining lease term, property type, location, borrower qualifications, and overall investment strength.
Yes. Cogent Bank’s National Net Lease Finance platform provides financing solutions for qualifying single-tenant net lease properties located throughout the United States.
Yes. Financing may be available for both the acquisition of qualifying investment properties and the refinancing of existing net lease assets.
Yes. In addition to National Net Lease Finance, Cogent Bank offers Commercial Real Estate Loans, Business Term Loans, Business Lines of Credit, SBA Lending, and USDA Lending to support a wide variety of business financing needs.
Yes. Investors and commercial property owners can pair financing with Treasury Management services to simplify cash flow management, automate payments, improve collections, and strengthen fraud prevention.
Cogent Bank combines relationship-based banking with experienced net lease finance professionals who understand the unique characteristics of single-tenant investment properties. The bank offers responsive decision-making, streamlined closings, and customized financing solutions.
Applicants are typically asked to provide financial statements, property information, lease documentation, tenant information, and other materials necessary to evaluate the financing request.
Yes. Whether you’re expanding an established commercial real estate portfolio or purchasing your first qualifying net lease investment, Cogent Bank works to structure financing that aligns with your investment goals.
Contact a Cogent Bank National Net Lease Finance specialist to discuss your investment objectives and learn about financing solutions for qualifying single-tenant net lease properties.
