Fund Capital Improvements Without Special Assessments
Secure funding for repairs, renovations, or emergencies—without burdening your residents with unexpected costs.
At Royale Management Services, we understand that managing a community comes with financial demands that don’t always align with the current budget. Whether your association needs funds for roof replacements, concrete restoration, elevator upgrades, insurance premiums, or any other capital expense, we help you access smart, flexible financing options—with terms that work for your board and your residents.
We are not a lender—we are your trusted advisor in evaluating, structuring, and securing the best financing solution available.
We help your association fund large-scale repairs or improvements without depleting reserves or issuing special assessments.
Access urgent capital when disaster, insurance gaps, or underfunded reserves strike.
Offset rising insurance costs by spreading payments over time.
We assist with presenting your community in the best light to secure competitive offers.
We help boards make informed decisions and explain the financing clearly to residents.
Once funded, we help manage compliance, reporting, and accounting.
We know how to structure financing around budgets, reserve schedules, and state regulations.
We work with multiple banks and lenders to help you compare offers—not just sell one solution.
Financing lets you spread costs across time, not surprise your owners with large one-time fees.
We prepare clean financials, complete board packages, and lender-ready proposals that build trust.
We guide your board through every step—ensuring you understand options, risks, and responsibilities before choosing a path.
We align loan servicing with your accounting system and capital project timelines for seamless tracking and reporting.
Can associations legally take out loans?
Yes. Most governing documents allow for association borrowing, subject to board approval or a vote of owners, depending on the amount and scope.
How much can we borrow?
Amounts vary by association size, cash flow, and project type. We help you determine borrowing capacity and lender criteria.
Are loans secured or unsecured?
Most association loans are unsecured and backed by assessment revenue—not personal guarantees or property liens.
What are typical repayment terms?
Loan terms usually range from 5 to 15 years, depending on project size and lender preferences. We help you choose what works best.
Will this affect our monthly assessments?
Possibly—but we help you plan manageable increases or use loan proceeds to delay fee hikes or special assessments.
Do we have to change banks or financial partners?
No. Loan proceeds can be deposited into your existing accounts. We help structure it around your preferred vendors and systems.
