Providing Commercial Loan Options, Bridge Loans, and More
COMMERCIAL LOAN OPTIONS
Hard-money loans, also known as private money loans, are short-term loans that place a valuation on the property that is purchased or refinanced, rather than on the borrower’s financial status. This differs from a traditional commercial loan, in which borrowers provide extensive paperwork, tax returns, fico scores, and annualized earning statements as part of the approval process. It is a fast approval and funding process so clients can execute deals with minimal hassle and go about their business.
BRIDGE LOANS HELP TO MOVE THINGS ALONG
A bridge loan helps to fuel your business with working capital throughout the project cycle. It is a short-term loan from 6 to 18 months that covers the termination period between one project and the start of another. This hard-money loan has a stabilizing effect placing its emphasis on urgent and distressed property situations. It is a profit-making technique generally arranged for the purchase, rehab, and upgrade of property to competitive market-value and realized through a sale or refinancing exit strategy.
COMMERCIAL LOANS
Let us accelerate your commercial lending journey!
Commercial lending is a process that enables a business entity to obtain short-term financing backed by hard collateral. However, obtaining financing is not easy, and a down payment of 20% to 30% may be required by banks.
If the prospect of a higher deposit is putting you off applying for a commercial loan, let us put your mind at rest.
Our team is ready to help you navigate the pitfalls of commercial lending to ensure easy access to funds without hefty down payments.
We consider tangible property sufficient security for loans, and will not place unreasonable obstacles in your way; in fact, with funding available for office buildings, warehouses, housing units, and specialty properties like restaurants, shopping malls or stand-alone buildings we apply favorable loan to value ratios giving borrowers an added edge.
If credit issues place you outside the qualifying purview of traditional lenders, you will generally qualify under our business model. So whether you’re investing in a stand-alone property or acquiring a chain of retail locations our private syndication platform will provide you more options.
The following illustrates a client who sold his property by completing a sale-leaseback arrangement to avoid a balloon payment while continuing his business operations structured under a thirty-year lease to increase cash flow instead of traditional refinancing!
Other Lending Options:
CONSTRUCTION LOANS
Let us accelerate your commercial lending journey!
Construction loans are asset-backed loans collateralized by transacted real estate. Owners or developers who apply sometimes find difficulty securing conventional financing due to risk mitigation thresholds. This issue is all too common in today's construction market, and generally, the reason they are willing to pay a higher rate of interest to private lenders who can close transactions expeditiously. An anomaly these days, but construction loans do provide for the purchase of raw land plus building costs.
Funds are usually paid out in periodic "draws" once the builder has met pre-defined underwriting milestones. Since higher risks are associated with land purchases, deposits may be necessary. Land equity is considered an underwriting advantage otherwise an executed sales contract is required. Additionally, project plans should include zoning and permitting approval as required, and a draw schedule by phases with definitive timelines.
If you need land financing or your project needs an infusion of capital, we offer solutions!
Other Loan Options:
FIX & FLIP
Fix and flip projects are popular real estate investments that can be very lucrative for loan participants. Higher return rates involve acquiring property at discounted prices such as foreclosures, renovation upgrades, markups of material and labor, before turning a profit by reselling or renting that property at competitive market-prices. Most fix and flip investments often cannot be financed through conventional loan options making hard money lending an attractive option, especially if working on multiple flips.
One of the most challenging aspects of fixing and flipping properties is acquiring the capital to begin a project. With extensive knowledge and many years of experience in the fix and flip industry, we can provide financing solutions for even the most complex fix and flip projects. Our fix and flip programs are available nationwide with competitive terms, and, if necessary, we can assist in your exit strategy.
DISTRESSED DEBT ACQUISITIONS
Through loan syndications, we can work out favorable terms with portfolio holders of discounted non-performing or under-performing commercial real estate notes.
Investors will find a reliable source they can turn to with confidence when monetizing or disposing of troubled loan assets.
Note Types:
Distressed: Commercial Real Estate / Multifamily.
Performing notes with fatigue or valuation issues.
Performing notes with maturation or covenant issues.
Sub-performing notes with intermittent payments.
Delinquent and non-performing.
Litigation and bankruptcy issues.
Excluded: Residential or owner-occupied notes.
Excluded: Asset-based financing notes.
EASY ACCESS TABS
ASSET-BASED LENDING
Asset-based lending (ABL) is a business loan secured by tangible non-real-estate business assets that are easily liquidated. It is typically structured as a revolving line of credit or term loan allowing a company to borrow against their collateral strength.
If you own real estate, equipment, inventory, or accounts receivable and are rich in purchase orders, we can structure a loan against those assets.
Taking out a secured loan against assets can sometimes be the best way to move your businesses forward. Immediate access to capital allows a business to take action quickly and advance its growth. When new opportunities arrive, you need a financing avenue that allows quick turnaround. Asset-based lending can be an effective means of financing due to the speed of approval and minimal requirements. A capital infusion can increase revenue and can sometimes be more than enough to compensate for the loan payment. It can bolster annual earnings and business development.
Our flexible underwriting protocol does not focus on your creditworthiness or business financial history, but instead, uses a combination of fair market value, orderly liquidation, and equity, including the amortization period as the main criteria for approval. This underwriting strategy gives you the freedom to expand your cash flow by borrowing more against a pool of assets.
Regardless of the size of your business or its stage of development, we have the expertise to make your vision a reality by customizing a workable lending solution that’s right for you. Our experienced team of professionals will listen and work with you to achieve the financial stability you deserve.
As another alternative solution, our structured transactions allow the utilization of a sale-leaseback arrangement where the business sells a portion of their equipment to a leasing company for a lump sum payment creating a capital infusion. The leasing company then leases that equipment back to its original owner for a monthly lease payment.
With your knowledge and our financial resources, we can maximize your borrowing capacity to bring your future potential into focus and unlock its growth.
ABL CATEGORY
SECTORS
COLLATERAL
FINANCING NEEDS
FACILITY
OWNER-OCCUPIED PROPERTY
With the availability of a full range of business loans from start-ups to more established businesses, we provide comprehensive financial solutions to owner-occupied property investors.
Special benefits accrue to the single or multi-tenant commercial real estate owner, including the ability to employ advantageous tax strategies, a dependable income stream, asset diversification, and control of the property's tenancy.
The primary consideration for property and balance sheet investors operating in tandem is cash flow. Finding oneself self in a dual situation like this can produce dividends, and two ways in particular that can produce immediate benefits are property leveraging and property appreciation. By using both wisely, those business cash shortages that arise unexpectedly will be a thing of the past.
Leveraging your investment allows your capital to grow faster and gives you additional portfolio funds to apply to the principal creating equity buildup. By converting the added equity into cash your business gets an infusion of capital and the boost it needs to cover unexpected obligations.
So if your business niche is owner-occupied property acquisitions, refinancing, or tenancy portfolio consolidations, funds are available through our lending syndication to support your next business challenge and long term interests.