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Commercial Loans

 No Income Verification - No Asset Verification 

OUR BUSINESS IS SMALL COMMERCIAL PROPERTY LOANS

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Unsecured Business Lines of Credit

$50,000 to $500,000

 Existing Business Operating for 2 or more years

UNSECURED WORKING CAPITAL BENEFITS

• No collateral or equity required
• No business financial statements required
• No business plan reuired
• Fast approvals for any purpose
• Easy approvals usually within 3 business days
• Cash available for any purpose
• Easy application process
• Bank rates and terms
• costly mistakes eliminated
• Confidential consulting from start to finish
• Any business type accepted
• No application or upfront fees

• Available in all 50 states 

  APPLY NOW>> 

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COMMERICAL BANK FINANCING

INVESTMENT PROPERTY

Is your commercial property currently financed with your local bank? 

Many property owners are unaware that they may be able to obtain more attractive and more suitable financing (for example, 10 to 15, even 30 year long term, fixed rate financing) at a more competitive rate by engaging the services of a commercial mortgage planner. An experienced commercial mortgage planner can also expedite the process by performing a first cut underwriting analysis, which is what a lender requires in order to provide an accurate quote in a timely manner.

At no cost to you, I will perform an analysis of your unique needs based on both financing and underwriting factors:

FINANCIAL REQUIREMENTS

• Requested loan term and amortization.
• Fixed or variable rate. Do you want to control PITI regularly without adjustment?
• Issues regarding prepayment penalty, lock-out or yield maintenance (e.g., how long will you hold the property?)
• Awareness of the total costs of the loan (e.g., underwriting, appraisal, engineering, environmental, etc.)
• Recourse options. Did you know you can you realize a tax benefit from structuring a non-recourse transaction vs. full recourse?
• Can we minimize the financing risk and obtain a better rate and term via cross default, cross-collateralization, or by obtaining release provisions?

UNDERWRITING ANALYSIS

• Using industry standard underwriting guidelines, I will determine your property’s stabilized net cash flow by reviewing your current rent roll and historical income and expenses.
• I will estimate the value of your property based on the stabilized net cash flow prior to an appraisal.
• I will determine actual LTV and DSCR from an underwriter’s perspective.
• I will perform a risk analysis based on lease expiration dates.

This is one of the valuable service I provide. 

WHY IS THIS IMPORTANT?

Often, the appearance of a loan request at the time of submission differs from the end result of the final term sheet. This is because cash flows vary for every commercial property, and unless we seek to understand the issues beforehand and demonstrate the underwriting risk prior to underwriting, the lender will have difficulty providing an “accurate” quote. Again, this analysis will be done at no cost to you. With relationships with some of the top commercial mortgage lenders in the country, I am able to deliver fast and accurate loan quotes and ultimately fund your loan.

I look forward to discussing with you any commercial financing needs you may have or answer any questions that might help you with your property.

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Commercial Debt Ratios
When analyzing the personal budget of a borrower, lenders use two different debt ratios to determine if the borrower can afford his obligations.

Commercial Debt Service Ratio
The most important ratio to understand when making income property loans is the debt service coverage ratio.

Commercial Lending Ratios
Most of real estate lending can be boiled down to the results of three ratios, which are described in this article.

Commercial Loan Checklist
This list will help you identify the types of information a banker will need to make an informed decision about your business.

Commercial Loan to Value Ratios
The loan-to-value (LTV) ratio is probably the most important of the 3 underwriting ratios.

Commercial Property Types
Listed in this article is a partial list of properties that require commercial financing.

Commercial Underwriting Guidelines
Commercial Financing is underwritten on a case by case basis. Every loan application is unique and evaluated on its own merits, but there are a few common criteria lenders look for in commercial loan packages.

Financing Options
Research credit lines and other financing approaches.

Questions to Ask Yourself
This article poses several questions related to commercial financing.

Ten Myths and Facts about SBA
This article separates commercial lending facts from myths.