What Investors Should Know About Commercial Real Estate Loans

Your commercial real estate transaction does not close unless the loan is approved. You can also improve the cash flow if the interest rate for the loan is low. So the more you know about commercial loans, the better decision you can make about your commercial real estate investment.

Loan Qualification: Most of you have applied for a residential loan and are familiar with the process. You provide to the lender with:

  • W2’s and/or tax returns so it can verify your income,
  • Bank and/or brokerage statements so it can verify your liquid assets and down payment.

In general the more personal income you make the higher loan amount you qualify. You could even borrow 95% of the purchase price for 1-unit principal residence with sufficient income.

For commercial loan, the loan amount a lender will approve is based primarily on the net operating income (NOI) of the property, not your personal income. This is the fundament

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Business Capital Solutions In Canada: Accessing Proper Cash Flow & Commercial Financing

Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and underst

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Here Is Your Complete Guide On Exploring Commercial Mortgage Refinance

Many loans’ interest rates are at an all-time low right now, so it’s so common to see people refinancing student loans, car loans, and mortgages. But many people just see the amount of money they’re saving through refinancing the loan-they, it seems, fail to evaluate the terms and conditions of refinancing loans for their businesses.

It’s true that one of the biggest money-saving methods is commercial refinance, but you should be very careful before refinancing. So if you plan to refinance your commercial mortgage anytime soon, then you should read this guide first.

Why should you consider refinancing your commercial mortgage?

Refinancing your commercial mortgage may benefit you because of different reasons. Here, we’ve listed two benefits.

This is a real way of saving money

The most common reason for refinancing a loan is to save a lot of money, and you can save this by getting a loan at a lower interest

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How To Find Commercial Truck Financing

Heavy trucking equipment can be extraordinarily expensive. Trucking companies of all sizes often rely on commercial truck financing to lease or buy semis, dump trucks, and other equipment that they need to provide their services. However, finding financing for a commercial truck can be difficult in some cases.

Understanding how commercial truck loans work is crucial when trying to lease or find a loan, as this allows businesses to improve their chances of getting approved for affordable financing options.

This starts with understanding the credit issues that commercial trucking companies look at when issuing loans. There are numerous criteria involved which a financing company considers to try to accurately determine whether a business will pay off its loan in a timely manner.

These criteria include specific information about a loan applicant company, such as the amount of time that a company has been in business. Most financing companies will prefer to issue co

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Steps To Commercial Business Financing Options

Business financing options are provided by a number of non bank specialized finance companies in Canada. They provide an array of corporate solutions, all of them different but still allowing you to achieve cash flow and working capital goals. They are in fact, the answer to.. you guessed it ‘ no bank financing’ conundrums.

The challenge for business owners and financial managers is to identify and execute on who those sources are and what they can do for your company. Many companies, and industries in fact have specialize needs.

When you think of the right type of business financing for your company it’s important to think of senior and junior! What do we mean by that comment? Simply that a senior lender will want all the security on your business, typically handled by a document called the G S A – General Security Agreement. It then becomes a challenge to source other types of cash flow and debt solutions which can’t be monetized.

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Plan Your Career with Commercial Loans in UK

Usually individuals who are starting their business as tyros in the UK could not manage huge finances on their own. They need financial aid that too huge amount for successful operations of the business. The individuals in need can have finances for any of their business requirement. There are various lenders present in the market, who are ready to offer finances in the form of commercial loans in UK. You can expand your present business, start a new one or do many more benefits to your business, with the help of commercial loans in UK. The terms attached to commercial loans in UK are very much like any other loan, yet there is a slight difference. Here is an attempt to project the assorted way to qualify for commercial loans in UK that can fetch you the most profitable deals of these loans.

Like any other loan option, commercial loans in the UK also come in both secured, as well as unsecured ways. You have to consider a number of factors, while deciding upon the kind of loan

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Some Important Facts About First Position Commercial Mortgage Notes

Creating attractive interest is a challenge in today’s low interest rate environment. The attractiveness of First Position Mortgage Notes is in the fact that investors (lenders) are held in the first position as a lien holder of the property – so there is a hard asset (real estate) providing the security of their investment.

The 50-year average for homeownership in the United States is about 65%. Most experts see that number reducing as the move to rental communities continue to rise along with the challenges that younger consumers are finding in securing sustainable employment which is directly correlated to one’s ability (and desire) to own a home. The marketing for traditional residential mortgage financing in today’s marketplace has created a higher understanding of how these loans work for consumers. Couple that with the competition in the residential financing market and it is understandable why most adults understand residential financing. But w

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Understanding The Different Types Of Commercial Lenders

There are different types of commercial lenders that will loan you money for your projects. The type of lender you use will be dependent on several factors: property type, LTV’s, amortization, recourse, interest rates, time to close and other factors.

Lets take a look at the major commercial lenders in the market.

Conduit Lenders

These CMBS (Commercial Mortgage Backed Securities) are long term, fixed rate financing that is typically permanent and non-recourse.

Portfolio Lenders
Banks or Savings & Loans

They have shorter terms (3-5 yrs) with fixed or variable rates. Usually they are for permanent and construction financing and they are full recourse.

Credit companies

They offer long or short term with fixed or variable rate financing. As well as permanent and construction.

Life Companies

These commercial lenders are institutional quality with long term, f

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Commercial Truck Financing – What Affects Interest Rates?

The best commercial truck financing means low interest rates and low monthly payments. Businesses that do not make sure that they receive the best deal on their loans may have difficulties making a profit if the majority of their revenue has to be expended on re-paying loans. The way to avoid this scenario is to have a solid plan before seeking commercial truck financing.

Business owners’ personal credit is going to be just as important as their business credit to a future lender. Careful planning means that these business owners will need to obtain their personal credit reports as well as their business credit reports to make sure there are no mistakes on them that contribute to lowering the scores. If these types of mistakes exist on the credit report, business owners can have them removed before a lender will have to check these reports. The business owner needs this score to be as high as possible, because a high credit score means lower interest rates.

Takin

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Commercial Loan Repayment – Can You Handle the Truth?

Both in times of economic growth and recession, you hear the need for governments and especially banks to provide loans to small businesses to spur and expand the economy. Well, understanding that our economy is based on credit, I don’t see any wrong with these sentiments at all. However, what you don’t hear often enough are about the small businesses that won’t and in most instances simply can not repay the loan once it’s obtained. Let’s not even talk about payoff. This part of business lending doesn’t get enough press as it should. Not in a way that would scare or intimidate people from starting and operating businesses with commercial loans, but in a way… yes. Here’s why…

Know What You’re Really Getting Into By Getting a Business Loan

Oh let me count the ways… not really, but maybe one day. For now, though, understand that if and when you apply for and obtain a commercial l

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