Gumption Financial

Great write-up on the current state of retail real estate lending: "According to S&P Global Market Intelligence, 11 of the 18 U.S. banks with more than $1 billion in retail and shopping center loans reported higher balances through 2025. A dozen showed year-over-year increases, reflecting renewed demand in the fourth quarter and a stretch free of major credit surprises." globest.com/2026/03/12/ban…

When we started Gumption in 2024, we thought that we would just be doing retail projects in the Southeast. But since then, we've looked at deals of all property types across the entire country. As for the 12 remaining "gray states" - @Ward__Neely is offering a bounty of one (1) Gumption koozie if you bring us a project in a new state. Reach out to sales@gumption.dev!

🐒 Gumption sourced debt for the refinance of a Frothy Monkey in Birmingham, AL. The debt was placed with a regional bank, and closed in 24 days after receipt of winning terms. Reach out to sales@gumption.dev if you have a commercial real estate property in need of debt!

There has been a lot of fear regarding "private credit" in the headlines lately - but this is almost completely disconnected from commercial real estate lending. Great writeup from Bisnow. bisnow.com/national/news/…

⚡ We sourced financing for a unique owner-occupied property in Birmingham, AL. Loan proceeds from the refinance will be used to build out additional retail and office space. If you're looking for CRE financing for your business, reach out to sales@gumption.dev.

$9.8M refinance closed right in our backyard. Gumption sources financing for properties all over the country. Ohio. Oregon. Georgia. Florida. Texas. But Park Tower is a Chattanooga landmark. Built in 1915, nine stories of history in the heart of downtown. Freshly renovated with 41 condo units. A boutique hotel. Restaurants. Event space. Office space. It's been part of this city's story for over a century. And it's right down the road from our office. Huge congrats to Sean Compton and Lizzette Compton of Southern Spear Properties LLC for bringing this vision to life. Revitalizing a 110-year-old building isn't easy. It takes vision, hard work, and incredible execution. They're doing exactly what Chattanooga needs: honoring our history while building for the future. This loan was placed with an incredible East Tennessee bank partner who believed in the project from the initial pitch. Our mission at Gumption is to power the flow of capital that shapes our cities. We're proud to play a small part in this project that is meaningful for downtown Chattanooga. If you're looking to finance or refinance commercial real estate, whether it's in your backyard or across the country, reach out to sales@gumption.dev.

🚨 New closing alert: Gumption sourced the financing for the acquisition of a retail strip center in Alabama. Through a SWAP, the final interest rate came in under 6%. Details below:

🚨 New closing alert: Gumption secured financing for the acquisition of a stabilized office property in Alabama. Details below:

🚨 New closing alert: Gumption sourced the financing for the acquisition of a portfolio of industrial properties in Alabama. Through Gumption, sponsors were able to achieve their desired LTC of 85% and a lengthy I/O period to perform their value-add strategy. Details below:

We're proud to announce our original rebrand. New Logo, Same Gumption - still providing the best CRE terms the fastest.

🚨 New closing alert - we sourced conventional financing to payoff the construction debt for a truck stop in eastern Tennessee. Details below:

🚨 New closing alert - we sourced the debt for the acquisition of a self-storage property in GA. Details below.

Sweat together, stay together.

Who needs equity? This has been our biggest product request for @GumptionCRE. "You guys are killing the debt side of the stack, add equity so I can build my full stack in the same spot." "If you guys add equity, I would never go anywhere else for my capital stack again!" I've been hesitant to add it. I thought it might be a distraction. (really odd considering how ADD I am) After all, we are killing the debt side and still barely scratching the surface of the overall market. Fast forward to today. We've had multiple deals where we executed the debt side effectively and efficiently, only to have the equity stack pulled last minute. We built Gumption to create efficiency, competition, and transparency in the finance side of real estate so that the deal makers could deal make. This is the next stop in executing that plan. Gumption is now rolling out institutional equity in combination with debt. Phone lines, inbox, and DM's are open. Let's talk!

🚨 Closing alert - we secured a new construction loan for a multifamily development in Alabama. Details below:

I started construction on the biggest project of my career in January of 2020. It was 3x the next largest deal I had taken on. I knew I was taking a big risk, but I analyzed it from almost every angle and was willing to deal with the repercussions if it failed. Six weeks into construction, a worldwide pandemic hit. (not on the bingo card) I had to pause everything and extend I/O. When it was time to start back, I was told that I needed to refinance or go to PI on the loan. Going permanent was not an option. I had at least 6 months left on construction with zero rental income. My options were to refi or sell. I called everyone in the state of AL to refi that deal. I wasted countless hours and money on coffee meetings and lunches constantly getting strung along to be told we aren't financing anything with hospitality right now. At the peak of pain, I was paying out over $60k/month on interest for non performing assets. Bankers didnt think they were wasting my time bc they were buying the coffee or the meal. Little did they know, I was losing roughly $70/hour. Every one day delay in an email response? = $1,650+ The situation was dire and reality set in. I sat my wife down and explained how many months we had and what bankruptcy might look like if we couldn't sell. Fortunately, it never got to that point and a group bought the project. Then the "light bulb" moment happened. The new group refinanced with an out of state bank i had never heard of. How can you find a date on an app or your phone, or a ride from some rando, but you cant find financing for a commercial real estate project. That's where @GumptionCRE started. A painful moment evolved into a brand new venture. We set out to solve a problem. Our goal was that no person would ever be in my former situation in the future. Maximize efficiency leveraging technology. Create a competitive process that balances that power between borrowers and lenders. The two biggest surprises for me? I never imagined how quickly we would be able to drive better deal terms faster that ever for commercial borrowers. Also, I never imagined how thankful the lenders would be for efficiently sending highly curated deal flow that fit their credit needs. It works. We've built and AI term estimator. We're about to launch an AI CRE investment analysis tool. Five years ago, I couldn't see the light at the end of the tunnel. Today's CRE environment could be much better. I'm telling you, hang on. It will turn around. Gumption can help you get your deal to the finish line. If you want to stay up to date on cutting edge real estate technology, follow us. If you have a deal you're looking to finance, reach out to me. We want to help you.

Our CEO @jon_lives was honored to present at the UTC Real Estate Club on Monday night and host a Q&A with the students. Thanks to all who helped organize!

🚨 Just closed - the refinance of two liquor stores in Athens, GA. Details below.

🎙️ In case you missed it: Bryan Holt tells his story and how he became one of the industry's top names in retail on the latest episode of the Gumption Podcast. Listen on Apple Podcasts, Spotify, or YouTube. youtube.com/watch?v=yD5B5_…

Episode 4 of the Gumption Podcast is now live on Youtube and Apple Podcasts. @Ward__Neely interviews Bryan Holtfrom Southpace Properties about how he fell into the CRE business and became an industry leader. youtube.com/watch?v=yD5B5_…