About

Independent and Strategic

Pensford Financial was formed to provide independent and strategic recommendations on interest rates. Our market knowledge and experience ensures our clients achieve their interest rate risk management goals.

Our professionals have years of experience at the derivative desks of major financial institutions, market-leading commercial real estate brokerage firms, and nationally-recognized defeasance advisory firms. This diverse experience equips our professionals to understand our clients’ business and provide customized, cost-efficient solutions for their risk management needs.

Commercial real estate is a relationship business and Pensford takes a similar approach to interest rate risk management.  We develop long term relationships with our clients, enabling us to better understand their disposition plans, risk tolerance, and rate sensitivity prior to making a recommendation.

Pensford is a strategic partner in interest rate risk management. 

 

We help you make informed decisions that are best for your business.

 

Pensford is independent with no referral relationships with lenders or servicers. 

 

We will never have a conflict of interest – we only represent you.

Client Testimonials

  • “We had a last-minute hiccup with our Lender when we traded our cap that would have cost us tens of thousands of dollars if not for Pensford. When the Lender refused to remove a previously undisclosed floor, Pensford quickly stepped in and negotiated a new cap with the Lender in exchange for removing the floor.”

    Allvision
  • “We were initially hesitant to engage Pensford as we were unsure of what value they could bring to the transaction, but now we are glad we did. Not only were the savings they provided several multiples of their fee, but they even battled a snowstorm to make sure we were able to lock and close on time. We really appreciate the effort they put in.”

    Biltmore Farms
  • “Pensford was an important contributor to the success of our IPO. Along with their team at Medalist Defeasance, they were able to terminate six swaps and defease six loans in one day. We were extremely pleased with their expertise and team’s responsiveness.”

    Easterly Government Properties
  • “We always go to Pensford whenever we need a cap. In a recent trade, the Lender asked for documentation that we were unable to provide. Pensford was able to resolve the issue in a timely manner and successfully close the trade.”

    ECI Group
  • “We use Pensford as our strategic partner for interest rate risk management. They help us consider the benefits and risks associated with a variety of hedging strategies. Working together, we identify the appropriate hedging strategy and Pensford oversees the entire hedging process with the bank. Pensford’s involvement keeps the banks honest and provides transparency. This allows us to remain focused on other areas of the loan closing. Our first call when dealing with interest rates is to Pensford.”

    MWest Holdings
  • “If you are dealing with a swap you MUST have an advocate on your team that understands the whole process. Noble Properties has used Pensford for 5 years and their input and knowledge of the process has been invaluable. I recommend them without any reservation.”

    Noble Properties
  • “We work closely with Pensford on every floating rate project we have. In addition to helping us model the forward-looking LIBOR curve, they are very flexible and can be as involved in the process as you want them to be. Their overall service and response time to a variety of requests is fantastic and we consider them to be a very important component of our team.”

    Ram Real Estate
  • “We frequently purchase interest rate caps to hedge our exposure to LIBOR and we always turn to Pensford to accomplish this. They help us negotiate terms with our lender, formulate the ideal strategy, assist with timing, and ultimately obtain the lowest cost possible with the most favorable terms.”

    The Procaccianti Group
  • “Pensford is more than a pricing tool, they actively work with you to develop a sophisticated hedging strategy. Every time we bring a problem to Pensford they always go beyond the original problem, pointing out things we would never have otherwise considered. They go the extra mile to make sure we have all the information we need to make an educated decision. We recommend Pensford to anyone who has derivative needs.”

    Walton Communities