Business Office Condos Commercial Mortgage Loans

Whether if you need financing for an acquisition, refinancing a currently property, pull out some cash for renovation, or other reason, we can help. With our proven track record, and fast loan process we have been the #1 choice for several prestigious brokers, owners, and lending firms.

A commercial mortgage is a loan made using real estate as collateral to secure repayment.

A commercial mortgage is similar to a residential mortgage, except the collateral is a commercial building or other business real estate, not residential property.

In addition, commercial mortgages are typically taken on by businesses instead of individual borrowers. The borrower may be a partnership, incorporated business, or limited company, so assessment of the creditworthiness of the business can be more complicated than is the case with residential mortgages.

Some commercial mortgages are non-recourse, that is, that in the event of default in repayment, the creditor can only seize the collateral, but has no further claim against the borrower for any remaining deficiency. The general reason for this is twofold: many laws significantly prevent the creditor from going after the borrower for any deficiency, and mortgages structured for sale as bonds give a higher priority to constantly receiving some sort of income and there for require a clause which allows the lender to take the property immediately regardless of bankruptcy proceedings that the borrower might be going through.

Frequently, the mortgage is supplemented by a general obligation of the borrower or a personal guarantee from the owner(s), which makes the debt payable in full even if foreclosure on the mortgaged collateral does not satisfy the outstanding balance.

Lenders' criteria

Most banks and building societies offer commercial mortgages, but you must satisfy the lenders' criteria. The primary criterion is the debt service coverage ratio or the ratio of cash available to the required loan payments. Some lenders may accept applications where there is an adverse credit history, but most require a positive personal credit rating and clear evidence that your business is creditworthy. Most will apply a loan-to-value ratio and will expect you to invest a proportion of your own money into the purchase.

The lender's decision will also depend on your current business circumstances - a commercial lender will expect your business to be stable and profitable. They may ask to see your business plan and long-term financial projections, to assure themselves that your business has, and will continue to have, the ability to make repayments on the loan. Some lenders impose restrictions on the uses of commercial premises and certain business concerns may be excluded altogether. The terms of a commercial mortgage will depend largely on the type of business you're running and the type of premises or land you want to buy. This is a complex area and it's essential that you seek specialist advice from your solicitor and probably a chartered surveyor.

Working Capital Business Loans

Traditional lenders providing competitive commercial financing for special purpose commercial real estate loans and business cash advances are becoming increasingly rare. "Thinking Outside the Bank" means that non-traditional (non-bank) lenders should be evaluated for commercial mortgage and working capital loan situations.

When commercial borrowers "Think Outside the Bank", it is of critical importance that they are prepared to avoid a wide variety of problematic traditional as well as non-traditional commercial lenders in their search for viable business financing, especially when it involves business cash advance (credit card receivables and credit card factoring) programs, credit card processing services and commercial real estate financing.

Borrowers should realize that they have more commercial loan options than they think in order to take advantage of "Thinking Outside the Bank". These business financing options are referred to here as "Thinking Outside the Bank" because most commercial borrowers believe that a bank is the best source for a commercial loan.

Here are two brief examples about how a commercial borrower is likely to benefit by "Thinking Outside the Bank". In many situations a traditional bank will provide a commercial mortgage but will include non-competitive covenants and terms. In other cases a traditional bank will decline the business loan because they do not provide commercial financing to the commercial borrower's particular type of business.

Some borrowers are likely to feel that a traditional bank is their best source for a commercial mortgage or commercial loan. However, because most traditional banks focus on a small number of established industries, non-traditional (non-bank) and non-local commercial lenders should be actively considered for most business financing situations. As discussed in this article, the suggested business loans strategy is "Thinking Outside the Bank".

As described in a prior commercial loan report, in many business financing scenarios it is typical for a traditional bank to require more business loan covenants than would normally be seen in a competitive commercial mortgage situation. Traditional banks can unfortunately take advantage of a shortage of commercial lenders in their local market area.

An effective response by borrowers is to emphasize business financing options other than the traditional ones. It is not wise for business borrowers to depend only upon local and regional banks for commercial loan possibilities. For common commercial financing circumstances, a non-local business lender can frequently provide the best business loan terms because of competition with other business lenders.

There are three business loan scenarios in which borrowers will commonly discover that non-traditional lenders will offer terms that are better for the business owner: commercial real estate financing and SBA loan programs, working capital business loan programs and business management programs for credit card processing.

Two of the worst commercial real estate financing problems for business owners can be eliminated by "Thinking Outside the Bank". The first commercial mortgage business loan problem is the typical bank practice to eliminate most special purpose business properties such as golf courses and funeral homes from their lending portfolio.

A second business loan possibility is the frequent practice of many commercial banks to add recall and balloon conditions to their commercial loans. The bank can then require early payoff of the commercial real estate loan under stipulated conditions. The use of a non-traditional lender can prevent both of these commercial financing problems.

Most businesses accepting credit cards will be able to obtain a business cash advance with credit card financing. If a business needs to use credit card factoring, a traditional bank will typically be of little help.

Because even the most successful merchants usually need more financial resources than they can get from a conventional commercial business loan, it is essential for a business to "Think Outside the Bank" and find non-traditional lenders to coordinate this commercial financing requirement.

A credit card processing service can be a key function in improving the bottom line of merchants with high volume credit card activity. The analysis of credit card processing providers can be efficiently combined with credit card receivables and credit card financing.

Apartment Loans - Hard Money Funding

Large Apartment Loans

Financing for apartments $8 million to $10 billion. The large loan program is designed to finance loan amounts in excess of $100 million and is often structured with flexible terms to help the borrower meet their objectives.

Mid Size Loans

Financing for apartments worth $1 million to $8 million. The mid size loan program has been developed to serve the needs of your important multi-unit commercial assets offers apartment financing programs that serve the needs of investors with excellent delivery time and substantial cost savings.

Small Balance Loans

Smaller apartment financing and commercial loans for multi-family from $100,000 to $3 million are directly available from our preferred capital partners. Our small balance loans offer many lending advantages including less paperwork and faster closings than ever before.

" A2zBigLoans.com has become an integral part of our financial strategy. We have been actively dissolving numerous partnerships and consolidating our holdings into new acquisitions. We have been there every step of the way. They recently negotiated the acquisition of a significant multi-family property located in Los Angeles, CA, and continue to advise us on our financing strategies. Inevitably, in each deal, issues arise. Their preemptive approach to problem solving has proven to be extremely effective in getting deals done."

• J. Flanagan

Terms of a commercial mortgage

The majority of Commercial Mortgages in the United States, while requiring the borrower to simply make a monthly payment small enough to pay off the loan over a 20 to 30 year time frame, require a balloon payment (a total payoff) after a lesser time frame. The borrower most likely will attempt at that time to refinance the loan. Thus there are two elements generally to the term of a commercial mortgage loan: the length of time allowed until balloon payment (known simply as the term), and the amortization. The length of the loan can vary from 5 to 30 years. If a loan had a 30 year amortization schedule, but a 10 year term it would commonly be referred to as a 10/30. Since residential mortgages do not require this early prepayment, a 30 year residential mortgage could be referred to as a 30/30.

Lenders' criteria

Most banks and building societies offer commercial mortgages, but you must satisfy the lenders' criteria. The primary criterion is the debt service coverage ratio or the ratio of cash available to the required loan payments. Some lenders may accept applications where there is an adverse credit history, but most require a positive personal credit rating and clear evidence that your business is creditworthy. Most will apply a loan-to-value ratio and will expect you to invest a proportion of your own money into the purchase.

The lender's decision will also depend on your current business circumstances - a commercial lender will expect your business to be stable and profitable. They may ask to see your business plan and long-term financial projections, to assure themselves that your business has, and will continue to have, the ability to make repayments on the loan. Some lenders impose restrictions on the uses of commercial premises and certain business concerns may be excluded altogether. The terms of a commercial mortgage will depend largely on the type of business you're running and the type of premises or land you want to buy. This is a complex area and it's essential that you seek specialist advice from your solicitor and probably a chartered surveyor.

Apartment Complex Commercial Mortgage Loans

HardMoneyLoanFinancingBlog offers low rates on apartment complexes, condos, and duplex buildings and more. We offer loans from $50,000 to over 10 billion. We have funded over $1 billion dollars in commercial loans around the world.

Whether if you need financing for an acquisition, refinancing a currently property, pull out some cash for renovation, or other reason, we can help. With our proven track record, and fast loan process we have been the #1 choice for several prestigious brokers, owners, and lending firms.

A hard money loan is a specific type of asset-based loan financing in which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are almost never issued by a commercial bank or other deposit institution. Hard money is similar to a bridge loan which usually has similar criteria for lending as well as cost to the borrowers. The primary difference is that a bridge loan often refers to a commercial property or investment property that may be in transition and does not yet qualify for traditional financing, whereas hard money often refers to not only an asset-based loan with a high interest rate, but possibly a distressed financial situation, such as arrears on the existing mortgage, or where bankruptcy and foreclosure proceedings are occurring.

Many hard money mortgages are made by private investors, generally in their local areas. Usually the credit score of the borrower is not important, as the loan is secured by the value of the collateral property. Typically, the maximum loan to value ratio is 65-70%. That is, if the property is worth $100,000, the lender would advance $65,000-70,000 against it. This low LTV provides added security for the lender, in case the borrower does not pay and they have to foreclose on the property.

Commercial mortgage rates can change daily and are dependant on asset quality and performance. Unlike rates from traditional lending sources, at HardMoneyLoanFinancingBlog our obligation is to you, the borrower. Since we are not limited by our affiliation with any one bank, we are able to present your loan to a broad spectrum of potential capital sources and secure the best terms and pricing that the market can offer.

We utilize several financial sources to get the right loan that meets your needs. We have access to hedge funds, wallstreet firms, private money, trust funds, insurance companies, joint venture capital, equity partnerships, bonds & cds, and more. We can provide funding for projects in all 50 states of the US, and as well as all overseas markets.

Our Main Goal is to close every deal for our customers with speed and flexibility. Each commercial project has its own requirements, constraints and timeframe. With that in mind, responsiveness is critical. We aim for solutions to precisely fit each situation: focused around your goals, you and your success.

What Is The Best Commercial Real Estate Loan?

This question came from Kiho Kim in Anaheim, California and, surprisingly, doesn’t have a straightforward answer.  When someone asks me that question, I know that they’re probably focused on one thing:  The loan with the lowest interest rate.  Unfortunately, in commercial real estate, this approach can end up costing you a lot of money.

When you get involved in commercial real estate, you become involved in a more sophisticated method of investing your money.  Commercial real estate and commercial real estate loans have a lot of “moving parts” and the approach that commercial lenders take is far different from those in residential lending.  When considering financing on a piece of investment property, you have to approach the process with ”commercial mortgage planning” in mind.

What is commercial mortgage planning?  It’s a process in which all aspects of the loan are considered in the context of the commercial real estate investor’s current portfolio, future portfolio goals, style of investment, and cash flow needs.  Let’s see how this works in a practical example and then use that example to further answer the original question in the first paragraph.

Which is the best loan?  A 3/1 ARM with a declining 3 year pre-payment penalty of 3%-2%-1%, a rate of 6.75%, a full amortization of 30 years, and a margin of 2.50% over 6 Month LIBOR, or a 10 year fixed rate loan due in 10 years, with a 30 year amortization, at a rate of 5.9%, with a Yield Maintenance prepayment penalty until 9.75 years have passed?

On the face of it, the 30 due in 10 is almost a full percentage point less in rate!  No brainer, right?  Let’s fill in a few more details and see if this analysis stands.

The investor contemplating the loan is an active real estate investor who purchases properties that have vacancies or month to month tenants that are slightly run down and in need of upgrades.  He holds properties until re-tenanted, renovated, and then sells them to generate cash for new purchases in a 1031 Exchange to preserve his buying power.

In light of this information, the 30 due in 10 would be a terrible loan.  It’s likely that such an investor would be ready to sell the property in the 3rd year to take advantage of the 1031 Exchange holding period and provide a stabilized leasing history to a new buyer.  He’d only face a 1% pre-payment penalty using the 3/1 ARM, something he could easily factor into his “costs.”  The fixed rate loan with its Yield Maintenance pre-payment penalty could literally cost him hundreds of thousands of dollars, depending upon market conditions, when he goes to sell the property.  In fact, it would likely contain a “lock out” clause completely preventing a payoff for up to 4 years.  That loan would have to be assumed by the new buyer and the difference made up in cash, limiting the potential pool of buyers for that property.

So how does this example answer our question:  “What is the best commercial mortgage?”  This way:  “The best commercial mortgage is the one that best fits the commercial investor’s short and long term goals, risk tolerance, investment style and the investment at hand.”  And as a side note, be sure to work with someone experienced not only in commercial loan brokerage, but who will take the time to consider all of the factors that could affect the current and future transactions.

You Can Get a Personal Loan Even With Bad Credit

If you have bad credit a personal loan may be tough to land with many commercial lenders. Having a co-signor could help you get approved for the loan. But, there are alternatives.

If you have a bad credit history and are in need of an infusion of cash to get yourself through an emergency or address a pressing need, you will probably want to consider taking out a bad credit personal loan. But who will lend to a person with bad credit? First of all, unless you have a cosigner with excellent credit, you can be sure that traditional lenders such as banks and credit unions are not going to give you a personal loan. So, you will have to either get a cosigner or find a private, non-traditional lender. Another consideration will be how much you need to borrow to get you over your financially tough time.

Preparation for Getting a Bad Credit Personal Loan

Whether you are going to use a cosigner or a non-traditional lender you have to prepare. Your first move is to figure your budget in terms of income versus your usual monthly obligations. Do you have enough left over to comfortably make a loan payment every month? Then you have to figure out how much you need. Do not ask for more than you absolutely need. You can go online and find loan calculators that will help you figure loan amounts. Next you need to pull your credit reports from the three credit reporting agencies, Experian, Equifax and TransUnion. Check for any discrepancies and fix them. This also gives you an idea of what lenders will think of you financially when they are researching your approval.

Documentation Needed for a Bad Credit Personal Loan

After you have reviewed your credit reports, you need to gather other documentation. You will need two forms of government issued identification. You will need proof of employment and salary (pay stubs or direct deposit statements), proof of residency (usually a utility bill with the same address as on your I.D.), and proof of a valid and active bank account (usually a checking account with direct deposit). When you get this documentation gathered, along with your credit reports and the amount you need, and how much you can afford to pay every month, you are ready. How much you need will tell you which route to take.

Finding a Cosigner for Your Bad Credit Personal Loan

Generally, if you need an amount in excess of $1500 you are probably going to need a cosigner. Your cosigner would have to present all the documents listed above that you have also gathered for yourself. The cosigner should be gainfully employed with a good salary and have an excellent credit history. The cosigner should be well aware that if you default on the loan for any reason it becomes his or her responsibility to make it good. It may be hard to ask a friend or family member to assume such a role. Having such a cosigner would virtually guarantee the award of such a loan, but you should not ask for anyone to be your cosigner if you know you are not going to be meeting your obligation. This will result in bad blood and ruined friendships.

Finding a Non-Traditional Lenders for Bad Credit Personal Loans

If you do not feel comfortable asking a friend or family member to be a loan cosigner and the amount you need is less than $1500, you could approach online lenders. Use your browser to search for personal loans and you will find scores of lenders willing to execute bad credit personal loans. As with any online transactions, make sure the website is secure and that your lender is reputable. All the documentation you will need is outlined above and the entire process can be done online. You can have your cash in as little as 24 hours. Whether you choose a cosigner or a non-traditional lender, you can get a bad credit personal loan.

Working Capital Financing and Commercial Loans Hurt by Business Lending Changes

Recent business banking changes have reduced commercial loan choices for many small businesses. This article describes several key change areas that should be anticipated by commercial borrowers.

Business owners will need to be especially skeptical and diligent as they approach business lenders to obtain working capital loans and small business loans. Regardless of business income or creditworthiness, many banks have effectively stopped making any new commercial loans to small businesses. In addition to these four potential risk factors and changes for commercial lending, there are additional problems that should be anticipated much as with the proverbial iceberg.

Unfortunately these banks are not announcing publicly that they have discontinued working capital activities. This means that while they might accept small business financing applications, they do not intend to actually finalize commercial financing in all cases. This approach has clearly frustrated and angered business borrowers.

The four recent business banking changes described in this article are likely to impact most business owners. If a commercial borrower wants to continue their present banking relationship, in most cases they will find that the business lender changes are permanent and cannot be avoided.

In the first example of commercial lending changes, for small business financing programs many small business owners have already discovered an inflated fee structure from most banks. Needing to find a revenue source to replace diminishing income from business loans (which has resulted from bank decisions to decrease business financing activity) is perhaps one bank perspective for the commercial financing fee increases. Except for unusual and unavoidable circumstances, borrowers should review different business funding sources when they encounter increased business loan fees levied by their current bank.

A second significant commercial lender change is demonstrated by revised guidelines for refinancing commercial mortgage loans. In almost all cases, business bankers have dramatically reduced the loan-to-value percentages that they will lend. In some areas and for specific types of businesses, many banks will no longer lend over half of the appraised value. The difficulty for a commercial borrower refinancing an existing commercial loan reaches a crisis level very quickly when this happens. In many cases the original business financing was based on a much higher percentage of business value than the bank is currently willing to provide. When a current appraisal reports a decrease in value since the original loan was made, the lending problem is further compounded. This outcome is especially common in the midst of a distressed economy which leads to decreased commercial income that in turn often produces a lower commercial property value.

The difficulty of locating investment property financing illustrates another business banking change. If the commercial property is considered to be owner-occupied (the owner occupies a substantial portion of the building), more banks will be interested in making commercial mortgages. Investors that do not occupy the property often own commercial investments like shopping centers and apartments. For many banks, it appears that they are currently restricting their commercial lending activities to those which qualify for Small Business Administration financing (SBA loans) which generally exclude investor-owned situations.

Bad Credit Commercial Loans

When you get saddled with debts, you might like the idea of putting some money into your commercial venture. This way you can get it repaired and with the earnings you can mend your bad credit in a better way. But, the fact is that everyone does not have plenty of money and that’s why, some people look for loan solutions to get their bad credit repaired through commercial ventures. Obviously this is a unique process of managing stands on bad credit. So, there are unique solutions also. They are the bad credit commercial loans which help you to add some money in your commercial venture to get your bad credit repaired soon. Sounds good? Let’s know it then.

Bad credit commercial loans are available for any sort of commercial purpose. You can take Bad credit commercial loans to remodel your plant or put some more money to run it swiftly. Again, whatever be the shape of your commercial venture, you can always avail bad credit commercial loans. It is available for all shapes, medium, large or small commercial ventures and bad credit is no fetter in this attempt. Only, to avail bad credit commercial loans, you need to place a detailed plan of your commercial purpose.

And, bad credit commercial loans are available in both the classical formats, secured and unsecured. If you are looking for cheap rates you should go for the secured versions and if you are looking for loans without collateral, you can opt for unsecured bad credit commercial loans.

However, Bad credit commercial loans are available online which is, indeed, the most sparkling side of the flamboyant image of these loans since the online option of bad credit commercial loans offer loans at cheap rates where the loan processing also takes much less time. So, with bad credit commercial loans, bad credit record hurts not any more, rather gets improved.

Within 24 Hours Have a Guaranteed Unsecured Loan

After a number of rejected loan applications, you may feel that no one is going to give you a personal loan. You have probably just been looking in the wrong places.

Have you been denied so many times that you think it is impossible to land one of those guaranteed unsecured loans? You may have been looking in all the wrong places. Plenty of online lenders are ready, willing, and able to offer you an unsecured loan. The money you seek could be in your bank account within 24 hours.

Cutting Out the Third Degree

Unlike other lenders who ask about your properties or other assets to be used as collateral, online lenders do not subject you to this sort of scrutiny. They will not have you explain your credit history and why a smirched rating came to be. You will not have to go through tedious process again. You can find a lender who will not do a credit check and will not ask you to sign over your home or vehicle.

Making It Easy to Shop Around

Your best bet is to go online and simply punch unsecured loan, or cash advance, or payday loan into your browser. Suddenly you will have an array of lenders ready to offer you cash. And you can pick and choose. Select the five best lenders and make a preliminary application with each.

Fine Print. Pay careful attention to any fine print. You do not want to unknowingly be hit with unexpected fees or hidden charges. There are so many honest lenders on the market that you should steer clear of those making pie in the sky promises while looking to hoodwink you as well. Find out how long they have been in business and look for recommendations on online community bulletin boards or other forums.

You Are the Boss. Once the lenders have responded – and they are quick – pick the establishment that is offering you the best deal regarding payments required, interest and fees, and time allowed to pay the loan back. You are the boss.

Making It Easy to Apply

Although there is no credit check and no inquiry regarding assets, these lenders do ask for a few bits of information. They would like to know that you are employed, how much you make, and how long you have been employed. Three months with the same company is the usual requirement. You can prove this with pay stubs or a bank statement.

Getting Your Money. Lenders also like you to have a direct deposit savings or checking account. This you can prove with bank statements. Some, but not all, lenders will ask for a post dated check. If you do not have a bank account, some lenders, for a small fee, will supply you with a prepaid debit card. You will be able to use the same card for future loans.

Who and Where. They will also need some sort of bona fide picture ID. This can be a driving license, passport, military ID, or something similar. The last requirement will be proof of residency. This can usually be proved with a utility bill in your name at your present residence.

Twenty-Four Hours

Once you have settled on a lender, made your application along with a few pieces of bona fide information, the money you seek will be sitting in your bank account ready for you to use as you see fit. No one will be telling you how to spend it as with some collateral loans require. And you will not have signed away your house or your vehicle, which is not a wise thing anyway in these financially unstable times.

Win-Win Situation

Keep your end of the bargain and you may become eligible for larger loans in the future. Another nice thing about taking out and responsibly repaying any unsecured guaranteed loan is that you will be adding some tremendously good points to your credit history.

Bad Credit Borrowers Can Get a $50,000 Unsecured Personal Loan

Landing a $50,000 loan is a challenge for anybody. Even if the applicant has a stable job, that is still no guarantee that he or she will receive a loan so generous. But it happens.

Traditional lenders are in a credit squeeze that has made requirements to qualify for any of their loans much more stringent. Link these requirements up with poor credit ratings and landing a big loan becomes even less favorable. Of course, approaching friends or family members for a loan of this nature will probably glean just a chuckle, if you are even brave enough to ask. Anyway, they are probably in the same boat as yourself.

Approaching Traditional Lenders

Background checks, credit checks, and criminal checks a pretty much de riguer when seeking a $50,000 unsecured loan from a brick and mortar lenders such as a credit union or bank. When you seek a loan without offering any collateral, such as real estate or stocks and bonds, lenders want to know the borrower inside and out. The primary concern being that the individual has the integrity and the wherewithal to repay the loan.

Unemployment Does Not Help

Even though the cause of financial need may very well be the employment status of the borrower, it just does not wash to be unemployed. It will be difficult to convince a lender that you will have the means to meet you loan repayment obligations as well as your usual expenses. Often, even if the borrower has a paying job, he or she might not be offered such a loan. Still, a large salary can do a lot toward meeting bench marks.

Cosigner Possibility

Should your earnings be a bit on the low side, your chances of landing such a loan will be increased with the presence of a cosigner. The individual should be gainfully employed with a good salary and have an acceptable credit rating. The cosigner should be fully aware that should you default for any reason, the loan will become their responsibility.

Reality Check

It is unlikely that most lenders will grant such a large sum loan unless the applicant is make in excess of $120,000 a year. Either in a steady job or through some lucrative business venture. Lacking that, lacking a cosigner, and lacking a good credit history, your best chances would be to apply for a no credit check cash advance unsecured loan in the $1,000 to $5,000 range.

Scammers and Swindlers

All over the Web one can see ad from various lenders proffering no credit check unsecured loans for upwards of $50,000. Call them on the phone, get to them online, as the come-ons say. Take the bait and you will usually end up giving away your financial information and upfront consultation fees. These are unscrupulous harvesters; avoid them.

The Final Obligation

Once you land such a large value loan, understand that you have involved yourself in a whole lot of responsibility. Meet your obligation according to the terms and conditions of your contract. Defaulting will only land you in a world of hurt. On the other hand, if you retire the loan as stipulated, you will have improved your credit rating and increased your chances of landing such a loan again should you need it. Lenders are out there. Search diligently. Know in your heart that you need such a loan. You will be rewarded.

International Commercial Loans Fast And Easy - Commercial Mortgage Loan

Are you looking for International Commercial Financing? As Commercial Lenders we specialize in commercial mortgage funding such as 100% Joint Venture, 100% Venture Capital funding, Private Hard Money Commercial Loans, Commercial Real Estate Lending, 100% Commercial Acquisition, Alternative Energy Finance, Oil and Gas Exploration, Development and Construction, Theme Parks Loans, 100% Land Loan Financing, Joint Venture Programs and Exclusive in house funding arrangements?

HardMoneyLoanFinancingBlog is an internationally commercial mortgage banking operation that provides first and second mortgage products of all types to commercial investors.

We have positioned ourselves as a mortgage lender that is well capitalized to minimize the warehousing of financing rates/costs, as well as alternative mortgage underwriting channels to maximize the execution efficiency of each and every loan.

At HardMoneyLoanFinancingBlog - we are the ultimate online commercial mortgage solution for low rates, experienced loan advisors, speedy approvals, and V.I.P service. We are a Full Service commercial mortgage lender, and our mission is to close your loan in weeks not months. At HardMoneyLoanFinancingBlog every commercial deal matters, and that is why we pride ourselves being relationship brokers not transactional brokers. In today's fast growing market there are over 260 different loan products to offer. We will always take a personal interest in your commercial loan, and place you in the product that fit's your financial needs best. We operate under moral principles, and will always provide you with quick, honest and reliable service.

Whether you are financing or refinancing a commercial property. We have many bankable solutions to get the funding you need fast. We have a vast array of lenders with a multitude of programs to assist business owners and investors. We are direct hard money lenders national and worldwide.

Our joint venture private money investors will finance 100% of your commercial project if it makes sense. We have several platforms available. Featuring much lower out of pocket costs that typical VC. Minimum $10 Million. Maximum - Unlimited. Most desirable project would be acquisition, development and construction. If you have passion for a project that needs funding, we can help with our exclusive JV programs. These are project based, not borrower based loans. All types of projects considered!! If the project makes sense, it can get done.

With over 1 Trillion available for private investment into Commercial projects, our lenders can get you the funding your project deserves. Project Principals with solid backgrounds and solid projects with a truly sound business plan can get LOIs in under 30 days post due diligence.

Our only interest is in project strength and the feasibility of the project funding. It cannot be any easier - The time is right for your commercial finance now.

We are known for speed, service and integrity. Investors know that when they need a fast funding decision and a quick closing, or construction hard money loan, they can rely on us to be there for them. If you need quick access to financing to close on a property in as little as 2 weeks or less or do not meet conventional bank financing but have equity in their property .

Unsecured Business Start Up Loan and Commercial Mortgage Solutions

Many business borrowers do not prepare adequately for the commercial mortgage business loan problems that are common in most business financing scenarios. By anticipating typical commercial loan difficulties, business owners are more likely to avoid potentially disastrous business finance consequences.

With rapidly deteriorating financing for residential investment property, overcoming business loan and commercial mortgage problems is even more important. This summary provides an introduction to four critical commercial loan factors and should assist commercial borrowers to better anticipate key business financing difficulties.

It is not unusual to find that business investment lenders and business loan brokers are not as forward-looking about business financing and investing difficulties as most borrowers would expect, and I have published another article about commercial lenders to avoid. The focus here is on four typical commercial mortgage loan and SBA business loan difficulties often overlooked by commercial lenders and borrowers.

Unanticipated circumstances can lead to unexpected problems with a commercial loan, and borrowers should be ready for these business financing scenarios. With business financing there are several key commercial mortgage problems which should be avoided. Business loan problems are more serious and prevalent than many borrowers would imagine.

Some of these commercial mortgage business loan difficulties might be unavoidable, but in most cases these business financing and SBA loan challenges can be successfully overcome. Commercial borrowers will be poised to take proper corrective action if they are aware of common commercial loan difficulties.

Avoidable Commercial Real Estate Investment Property Financing Scenario Number One: Use of secondary business financing -

Many commercial borrowers want the flexibility to use subordinated debt (a seller second or other secondary financing) in order to acquire a commercial property or business opportunity investment with a smaller down payment. Many forms of business investing will not permit a seller second or other forms of subordinated debt. With a commercial loan via non-traditional business lenders, a commercial borrower can use subordinate business financing (including seller seconds) to reduce the amount of their down payment.

Commercial Mortgage Example Number Two: Sourcing-seasoning assets and seasoning of ownership -

Some commercial lenders will require borrowers to document the source of the down payment for a purchase (sourcing). Commercial lenders will also frequently require that business financing down payment funds be substantiated, most commonly for 1-12 months (seasoning). Seasoning of ownership is based on the minimum time a commercial property must be owned before refinancing can occur.

Such a problem will probably not deter all borrowers. When it does apply, business borrowers should insist on a lender without seasoning and sourcing requirements.

Business Financing Example Number Three: Commercial mortgage recall terms -

Business loan recall conditions will often allow the commercial lender to force the borrower to repay their loan before the normal loan expiration. If a commercial loan agreement does not include recall terms, such a possibility is not of immediate concern to a borrower.

Commercial lenders will routinely include recall conditions in a business loan agreement. The provisions which will prompt a recall will vary and typically include annual business lender monitoring of financial statements, tax returns and credit history. Without agreed income, tax returns and credit standards, the lender can choose to require the borrower to pay off the commercial loan within a very short period of time.

Contingency Plans for Business Finance Recalls: What to do about a commercial loan recall -

To avoid an unanticipated recall scenario, commercial borrowers would be wise to consider only commercial loans which do not have recall terms. For commercial borrowers who have recall provisions in their business financing agreement, it will be equally wise to consider refinancing their business loan or commercial mortgage before a recall occurs so that refinancing is accomplished when it is most appropriate for the borrower.

When borrowers receive a business financing recall, they must quickly obtain refinancing assistance. When reviewing commercial loan choices for refinancing, borrowers should attempt to exclude potential lenders that require recall terms.

Business Loan Example Number Four: Business financing that needs a long-term commercial loan -

Is long-term investing and financing really possible for a business loan? Some business investment lenders will only offer 5 years (or less) before commercial real estate financing will expire with a balloon payment due.

If that sounds like short-term investment business financing instead of long-term, there are business lenders that can arrange 30-year commercial mortgage loans. Longer-term commercial real estate financing will often be the critical difference that facilitates a successful business investment because a new business loan will not be required for many years and commercial loan payments will also be reduced.

Commercial Financing - SBA Loan - Unsecured Business Funding Solutions!

There are many business finance and commercial mortgage misunderstandings involving the use of a Small Business Administration loan (SBA loan) to buy a business opportunity investment or commercial real estate. This article will provide an introduction to several factors that business borrowers should explore before proceeding with this specialized type of business loan.

Finalizing an SBA loan and refinancing a Small Business Administration loan are two of the most problematic commercial mortgage and business loan scenarios for business owners. There are practical business finance solutions for both of these common business investment problems.

Are SBA Loan and Business Finance Programs Difficult?

There are usually two schools of thought about getting a Small Business Administration loan to buy a business:

(1) Avoid this kind of commercial loan at all costs.

(2) Use this kind of loan if it is practical to do so.

These conflicting investment financing viewpoints are due to a commercial mortgage business loan process that is perceived as complex and difficult by many commercial borrowers.

In reality SBA loan programs are more practical than they often appear. It is critical to the success of a Small Business Administration loan program to be working with a business finance advisor and lender that is proficient at this difficult commercial mortgage and commercial loan process. There are many potential commercial financing problems to avoid when attempting to obtain a small business loans, and very few lenders are skilled in this business financing area.

Expecting Business Investing and Financing Difficulties: Business Loan Refinancing

One of the major investment drawbacks of an SBA loan has historically been the difficulty of refinancing the Small Business Administration business financing later. Current options have revised the situation and it is more feasible to arrange refinancing. It is still accurate to say that refinancing is not routinely available, but more importantly it is much easier to obtain than it was in prior years.

Advance commercial real estate loan and commercial loan planning can avoid some of the SBA loan refinancing problems. First and foremost, if the original business financing is arranged without a small business loan, this will make later business refinancing easier than if a Small Business Administration loan is involved. This means that commercial borrowers should at least consider if the initial business loan requires this form of commercial financing before proceeding.