Arixa Capital Launches Mini Perm Financing for Completed or Stabilized Projects

LOS ANGELES, March 3, 2026 /PRNewswire/ — Arixa Capital (“Arixa” or the “Company”) today introduced its Mini Perm financing solution for completed or stabilized residential projects. The program allows builders, developers, and operators to refinance construction debt into bridge loans with no prepayment penalty and no minimum interest payment.

Today’s higher-rate environment has increased uncertainty around the optimal timing of takeout. Arixa’s Mini Perm product is designed to mitigate that risk with a flexible structure that lowers carry costs and enables well-orchestrated exits. Sponsors have the ability to manage the timing of their property sales or refinance when market and project conditions align, ensuring sponsors can move forward on their own timetable.

“Having flexibility between construction completion and the re-financing into the permanent market is incredibly important to our clients,” said Managing Director Seth Davis. “We built our Mini Perm solutions to preserve optionality and provide an efficient exit path when the timing is right.”

Since its founding, Arixa has originated more than 3,000 loans, financing the acquisition, construction, and/or renovation of over 14,000 housing units nationwide. In 2025, the Company set a new Arixa annual record with over $2 billion in funded loans. This growth reflects both the rising demand for alternative sources of financing and Arixa’s ability to deliver through its integrated platform that combines in-house credit, servicing, and construction draw processing.

“After a record 2025, our Mini Perm is a natural extension of Arixa’s large and growing construction lending business,” added Managing Director Greg Hebner. “We want to support our clients at project completion, when they often need additional flexibility. Our capital helps bridge the transition, allowing them to stabilize operations, improve sales velocity, or wait for a better takeout window for a permanent loan.”

Mini Perm Program Overview

Arixa Capital’s Mini Perm financing is designed for completed or stabilized residential projects. The program allows sponsors to refinance into an interest-only structure while maintaining the freedom to exit efficiently, with no prepayment penalty and no minimum interest, when their permanent financing or sell-out strategy is ready.

	MINI PERM – RENTAL FINANCING	MINI PERM – SALE FINANCING
SIZE:	$1,500,000–$10,000,000	$1,500,000–$10,000,000
STRATEGY:	Assets for Stabilization / Hold	Assets for Disposition
PROPERTY TYPES:	Build-to-Rent Communities; Apartments; Other Rental Assets	Build-to-Sell Communities, Condominiums, Subdivisions, Townhome Complexes
TERMS:	Up to 24 Months Extensions Available	Up to 24 Months Extensions Available
POSITION:	First Lien	First Lien
LTV:	<70% Based on Third Party Appraisal	<75% Based on Third Party Appraisal
FEATURES:	Interest Only; No Minimum Interest No Prepayment Penalty Requires Minimum 1.10x DSCR	Interest Only; No Minimum Interest No Prepayment Penalty

MINI PERM – RENTAL FINANCING
SIZE:	$1,500,000–$10,000,000
STRATEGY:	Assets for Stabilization / Hold
PROPERTY TYPES:	Build-to-Rent Communities; Apartments; Other Rental Assets
TERMS:	Up to 24 Months Extensions Available
POSITION:	First Lien
LTV:	<70% Based on Third Party Appraisal
FEATURES:	Interest Only; No Minimum Interest No Prepayment Penalty Requires Minimum 1.10x DSCR

MINI PERM – SALE FINANCING
SIZE:	$1,500,000–$10,000,000
STRATEGY:	Assets for Disposition
PROPERTY TYPES:	Build-to-Sell Communities, Condominiums, Subdivisions, Townhome Complexes
TERMS:	Up to 24 Months Extensions Available
POSITION:	First Lien
LTV:	<75% Based on Third Party Appraisal
FEATURES:	Interest Only; No Minimum Interest No Prepayment Penalty

To learn more about Arixa Capital’s Mini Perm program, keep reading here, or contact us at info@arixacapital.com.

About Arixa Capital

Founded in 2006, Arixa Capital is a leading private real estate lender and alternative investment manager with over $7.0 billion in originations completed since inception and a servicing portfolio exceeding $2.0 billion as of the date of this release. As an independent, employee-owned firm, we are personally invested in the success of our borrowers and investors. Our reputation for reliability, transparency, and high-quality service inspires long-term relationships and is the foundation of our growth and success. Arixa has been named one of the fastest growing private companies according to the Inc. 5000.¹ The firm has offices in Los Angeles and Phoenix.

To learn more about Arixa Capital, please contact:

Greg Hebner
Managing Director
ghebner@arixacapital.com

Seth Davis
Managing Director
sdavis@arixacapital.com

For media inquiries, please contact:

Steve Pavlov
Senior Vice President, Marketing
marketing@arixacapital.com

¹Arixa provided Inc. de minimis compensation to be considered for the Inc. 5000 list of the fastest growing private companies in the U.S. For a full description of ranking methodology, please visit: https://www.inc.com/inc-5000-methodology-how-we-selected-these-companies.html.

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Arixa Capital Advisors, LLC is licensed under the CFL#60DBO-98673. Origination fees and other fees may apply. This is not an offer to lend. Any financing will be subject to a credit evaluation, approval of the subject property, and other restrictions. Funding window begins once all due diligence documents are submitted and requires clear title. Terms and conditions are subject to change. To qualify, a borrower must meet our underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must meet certain conditions. Your actual rate will depend on a variety of factors. Rates and Terms are subject to change at anytime without notice.