Fast Commercial Capital Explains the Refinance Closing Cash Gap

By Don McClain, Founder & Principal of Medro Advisors and author of the forthcoming book FUNDED. Fast Commercial Capital examines the cash still needed at a commercial-property refinance closing. Don McClain’s four-line worksheet compares dated payoff requirements and other closing cash needs with replacement proceeds and other contributions available that day. A clearly hypothetical example yields a $500,000 gap; it describes no client result, product or market terms. Future draws and later property spending belong in separate records, and each cost or contribution should be counted once. OCC and interagency guidance provide background, not FCC underwriting criteria or a right to an extension.