Gumption Financial

Helping commercial real estate property owners, developers, and investors connect with banks and lenders to receive better loan terms faster.

[Gumption Financial @GumptionCRE]

⚡ We just closed the refinance of a mixed-use property in Knoxville, TN. We matched the deal with a bank that was relatively new in market and provided the most aggressive terms, hitting requested proceeds and a low fixed rate. If you're in need of financing for a commercial property, visit https://t.co/TiwGbg2Bdl to get the most competitive terms in a fraction of the time.

[Gumption Financial @GumptionCRE]

In 2020, our co-founder Ward Neely was mid-construction on a $15 million mixed-use project in Birmingham. Then COVID hit.

The banks that had been courting him stopped returning his calls. He had a hospitality component in the deal and nobody wanted to touch it. In desperation, he sold the project to a private equity firm.

That same PE firm turned around and refinanced the property through an out-of-state lender Ward had never heard of.

Ward had 15 years of experience. He knew plenty of lenders. But he didn't know the right lender at the right moment.

That experience led to a question: In today's modern age, why is it still so difficult to find debt for commercial real estate?

We ran 75 interviews with commercial property owners and developers. They all agreed: finding the right lender for the right deal at the right moment was a common problem across the industry. Nobody had built the infrastructure to fix it.

So in 2023, we built Gumption to be that infrastructure.

Our CEO Jonathan Dickerson sat down with Authority Magazine to share more of the story - and where we're headed with AI in commercial real estate finance.

https://t.co/8NKjukAfZI

[Gumption Financial @GumptionCRE]

Please join us in welcoming John Brooks to the team! Gumption is building out its national originations platform, and we're thrilled to have John leading the charge on the West Coast and beyond.

John brings 15+ years of experience across commercial real estate finance, capital markets, debt, and equity with a track record of closing complex deals across the full capital stack.

Connect with John at [email protected] to discuss your next deal, or submit a loan request here: https://t.co/7U8y5oNfov

[Gumption Financial @GumptionCRE]

There's an amazing mixed-use development coming to downtown Chattanooga. These are the new headquarters for the Chattanooga Football Club, and their Chief Business Officer Chad Emerson treated us to a tour last Friday. What they've built at CFC is on par with any major league team facility, and we're excited to see the continued growth of the Club.

[Gumption Financial @GumptionCRE]

The FirstBank crew is top notch and they are in growth mode. We had a great time with them at the Chattanooga Lookouts game last night.

What started as a casual evening turned into hours of great conversation with their broader executive team. It's a reminder that some of the best connections happen outside the office.

Here's what stood out: FirstBank is expanding their footprint fast. You can feel it in how their leadership talks about the future – they're pushing hard but always with a clear purpose. They're expanding strategically and thoughtfully.

Thanks for the invite 🙏

Also, the new stadium is incredible.

[Gumption Financial @GumptionCRE]

First wave of big bank earnings just dropped.

Commercial real estate loans are showing stability. That's a strong signal for the CRE industry with all of the volatility we've seen.

Loan spreads are tightening across major property types. Multifamily is leading the way. Banks are lending again, and confidence is building.

For developers and property owners who've been waiting on the sidelines, this is the green light. The financing environment is improving, and the market is moving.

If you've been putting off that refinance or new project, now is the time to start the conversation.

Our mission at Gumption is to power the flow of capital that shapes our cities. We're here to help you find the best terms in market.

Get started: https://t.co/TiwGbg2Bdl

Read more here: https://t.co/oOhBDH4s1h

[Gumption Financial @GumptionCRE]

🏨 We just closed financing for the ground-up development of a new Woodspring Suites product in central Florida. See terms below. If you have a hotel project in need of financing, submit it to https://t.co/paglVSu4Fz and we'll get you the best terms in market.

[Gumption Financial @GumptionCRE]

📣 Gumption is expanding in the Midwest.

Brett Connelly recently joined Gumption as Vice President of Capital Markets, based in Cincinnati.

Brett brings deep CRE experience from JLL. Spanning acquisitions, asset management, and investment strategy across the Midwest. Now he's putting that expertise to work helping investors and developers source competitive financing through our platform.

Why Cincinnati?

Secondary markets like Cincinnati often miss out on institutional capital. Big banks and CMBS lenders focus on gateway cities, creating a gap for borrowers who need a strong advocate.

The parallels to Chattanooga are striking: both are mid-sized river cities often underestimated. Both have strong tech communities built on local effort, not just big venture capital. These are exactly the markets where local relationships close deals.

Brett's local presence is how we serve clients across Ohio, Kentucky, Indiana, and beyond.

If you're looking to finance or refinance commercial real estate in the Midwest, visit our website at https://t.co/6eAzYlz0eZ.

Read the full announcement: https://t.co/7LQBzHt24W

[Gumption Financial @GumptionCRE]

🐶 We sourced financing for a net lease retail acquisition in Oregon last week - check out the terms below. If you have a commercial real estate project in need of financing, visit https://t.co/LNwetywTQd and we'll provide your deal with the most competitive term sheets in the market.

[Gumption Financial @GumptionCRE]

🏠 We arranged a cash-out refinance on a multifamily property here in Chattanooga - check out the terms below. Visit https://t.co/paglVSu4Fz if you own a property in need of financing.

[Gumption Financial @GumptionCRE]

We just got back from ICSC Carolinas in Charlotte. Many of the developers and investors we spoke with were actively searching for deals or already had acquisitions in progress, and the outlook was positive despite current economic uncertainties. It was great to connect with some of you there, and we look forward to seeing you in Las Vegas!

[Gumption Financial @GumptionCRE]

⚡ 21 days from initial financing request to closing. Gumption arranged bridge financing to payoff a mortgage maturity on two mixed-use properties in Boise, ID. The existing lender had changed its policies and was no longer able to renew the note, but we were able to close the project quickly to accomodate the impending maturity. Reach out to [email protected] if you have a property in need of financing.

[Gumption Financial @GumptionCRE]

🏗️ We just arranged financing for a subdivision development project in the Birmingham, AL MSA - details below. If you're in need of funding for a similar deal, reach out to [email protected].

[Gumption Financial @GumptionCRE]

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."

https://t.co/dOnOvew9rE

[Gumption Financial @GumptionCRE]

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 [email protected]!

[Gumption Financial @GumptionCRE]

🐒 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 [email protected] if you have a commercial real estate property in need of debt!

[Gumption Financial @GumptionCRE]

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.

https://t.co/Np6TlkvVfO

[Gumption Financial @GumptionCRE]

⚡ 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 [email protected].

[Gumption Financial @GumptionCRE]

$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 [email protected].

[Gumption Financial @GumptionCRE]

🚨 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: