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Foreign National Borrowers

Kay Finance represents foreign national borrowers who are actively growing their U.S. real estate portfolios.

In the last 10 years, Kay Finance has successfully originated over $500M of financing on behalf of our foreign national clients. These clients hail from countries across the globe, including Israel, South Africa, Canada, Australia, Korea, and China.


The financed properties vary in asset class, including: medical office, industrial, and multi-family. We accommodate several strategy types, including: income producing, value-add, and ground-up development.


Foreign national borrowers don't have the track record in the U.S. that lenders like to see, which can prove challenging to securing financing. A key component of our success in this area is that we frame the borrower’s capabilities to create a point of reference for the lender to work with. Regardless of strategy (i.e., development , value-add, income producing), there are complex nuances to maneuver when trying to secure competitive financing. We prepare our clients to anticipate potential questions and substantiate supporting materials.


With offices in New York City, Israel, and South Africa, we understand the local culture and are positioned to better navigate any hurdles when representing these select borrowers.


It’s a point of pride to support our foreign national clients, providing the "local feel"  to which they’re accustomed with the added benefit of the signature white-glove service we offer our U.S.-based clients.

See below examples of closed transactions:
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Industrial Area


Midwest Industrial Portfolio

Quick Stats

- Location- Midwest 

- Partner Type- Bank

- Program Type- Perm Loan

- Loan details (LTV: 65% , Rate: 4.25%, Term-5yr (Fixed), IO Period - 2yr , Non-recourse

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Aerial view of typical multi-level apartment building with swimming pool, surrounded by gr


Multi Family Developement

Quick Stats

- Location-  Porterdale, GA

- Partner Type- Debt Fund

- Program Type- Hard Money

- Loan details LTC: 90% , Rate: 8.8%, Term-3yr term (floating), IO Period - Full Term, Non-recourse (W/ Completion Guarantee)

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