For those that are looking for commercial real estate or business purpose financing, we have a consortium of select companies and individuals with expertise in a variety of funding environments. Each member of this group of professionals has been carefully selected for their expertise, knowledge, and contacts with their specific niche markets. This elite group works as a team to find solutions for those in need of financing. We consult on a confidential basis and utilize each other’s resources to ensure the best possible chance of success.

Commercial Loan Products

• Conventional Commercial Loans (All forms)
• Bridge Loans (Especially large balance)
• Securities-Based Financing (Loans against stocks, bonds, mutual funds, etc. as well as some IRA’s/401K’s)
• Multi-Family Apartment Buildings
• Office Buildings
• Medical (Buildings, Re-Fi’s, Purchases, Working Capital as part of a refinance or purchase, etc.)
• Church Loans
• All SBA Categories
• Construction Loans
• AR (Based on Accounts Receivables)
• Equipment Purchasing
• Franchise Financing
• Farm/AG Financing

Examples of Commercial Loans Funded

Amount: $850,000
Industry: Contractor/Roofing
Term: 9 months
Time to Fund: 12 days
Client used the funds to add an additional warehouse to their business location and for additional working capital during hurricane season.

Amount: $400,000
Industry: Retail
Term: 18 months
Time to Fund: 2 days
Client used the funds to help with bulk purchases to start the 4th quarter and to have additional working capital during their busy season.

Amount: $275,000
Industry: Landscaping
Term: 15 months
Time to Fund: 2 days
Client used funds for working capital during upcoming projects, such as installing turf fields for schools.

Amount: $350,000
Industry: Law Firm
Term: 12 months
Time to Fund: 5 days
Client used the funds for expanding operational capabilities, including investing in new technology and hiring additional staff.

Amount: $199,000
Industry: Bar/Night Club
Term: 10 months
Time to Fund: 1 day
Client used the funds to finish renovations for a new location.

Amount: $2,550,000
Type: Commercial Real Estate Cash Out Refinance
Industry: Dental
Term: 14 months
Time to Fund: 41 days
Client used the funds to purchase and build out an additional location as well as working capital, which was used to get the new location up and running and to hire key employees for that location.

Amount: $500,000
Industry: Restaurant
Term: 12 months
Time to Fund: 3 days
Client used the funds to renovate their restaurant as well as for working capital.

Amount: $250,000
Industry: Janitorial
Term: 15 months
Time to Fund: 10 days
Client used the funds to expand on state contracts and into new territories.

Amount: $375,000
Industry: Private Education
Term: 12 months
Time to Fund: 8 days
Client used the funds to cover expenses during the summer months and to support working capital for summer school sessions.

Amount: $200,000
Industry: Auto Repair
Term: 12 months
Time to Fund: 2 days
Client used the funds for new materials for his auto body shop and working capital.

Amount: $400,000
Industry: Technology Company
Term: 15 months
Time to Fund: 4 days
Client used the funds for marketing materials and budget for the end of the year.

Business Financing

The three major factors lenders look at are cash flow, credit, and collateral. When businesses can demonstrate all three, they stand a good chance of getting the funding they need. However, all too often something is missing and usually it’s a lack of collateral since many businesses typically do not own buildings, valuable machinery, or inventory that could easily be liquidated. Many times, those businesses would be denied financing, however, we have loans that don’t require collateral or great credit. They are based on criteria such as time in business, cash flow, and these loans sometimes accept guarantors if needed.

Real Estate Financing

Still reeling from the effects of the financial crisis, commercial banks are turning away good projects, cutting funding for projects in progress, and refusing to refinance loans with balloon payments – a common feature in traditional commercial mortgages. Interest rates are either going to go up or down in the future depending on several factors. The key is when borrowing money, does it make sense, i.e. is the money being borrowed, regardless of the interest, going to help make a profit? If the profit is adequate, then the interest rate becomes moot. Many times, a commercial lender on loan renewal would rather lower the rate than lose the client.