Don't be Afraid of Tax Returns that show Low or No Profits!

Many clients and brokers shy away from loan programs that require tax returns to verify business income. The reality is that these days almost all commercial lenders require tax returns. The days of "stated income" loans are long gone. But not to worry. We do "Add-Backs" as they are commonly referred to in underwriting. What that means is we look for the TRUE CASH FLOW of a business. Not the income that's reported on the bottom line of a business tax return after your CPA gets done utilizing all the deductions that are legitimately available to reduce taxable income. We will routinely add back such expenses as depreciation, compensation to officers, amortization and interest expense on almost every return. And we'll also add back any expense that will be "going away" as a result of the new loan request. For example, if the loan is to buy a new location to replace an office the business has been renting - we'll add back all the rent expense that was deducted. If the loan is being used for "debt consolidation" then we'll add back all the additional income that went to pay those debts that will be going away. You'd be surprised at just how much real cash flow most businesses have to work with when you know where to look. So don't be afraid to show those tax returns, even if they don't look so pretty at first glance.

For more information contact Commercial Capital Lmiited by visiting http://www.commerciallendingpros.com/, emailing us at loans@commerciallendingpros.com or calling 863.298.8900.
Visit the link below to get a Quick response to your Commercial Loan Scenario. Simply provide us with some VERY BASIC information: Quick Loan Pre-Qual form

We have a great 100% Commercial Loan program for small businesses to expand

100% Financing for Business Acquisition & Expansion

• 100% financing includes build-out and closing costs rolled in
• Loan amounts up to $2 million
• Expand your current facility – get room to GROW
• Great for business professionals – doctors, dentists, lawyers, accountants, etc.
• Use NONE of your own money with just 2 years of business experience required
• Get additional working capital for marketing, more employees, a new division, etc.
• Must be at least 51% owner occupied

Click Here to Fill Out A Quick Commercial Pre-Qual Form

We also work with small businesses to get the money they need Fast. We work with a variety of credit situations, can provide high loan to value financing, and are capable of getting very creative when needed. Here are some of our programs:

Accounts Receivables Financing for Small Businesses that need liquidity quickly who cannot wait 30, 60, or 90 days for payment of their accounts receivable.

• Ideal Business Loans
• Start-up companies
• Fast-growing companies
• Seasonal businesses
• Companies that have experienced losses

A typical deal can be closed and funded within 10 business days of the initial submission of pertinent information.

Un-Secured Business Lines of Credit From $25,000 - $250,000 (up to $500,000 in specific case-by-case basis).

• No Documents
• No Application Fee
• No Up-Front Fees
• No Income Verification

Fast turnaround, (approval in 48-96 hours, after we have received all the items requested from the applicant).

No Doc - Retail Cash Advances- for any business that accepts credit cards.

• Fast Cash Without The Hassle!
• Ideal for restaurants, hotels, retailers, or any business that accepts credit cards.
• It is a QUICK and EASY alternative to tough SBA lending or bank loans!
• No Income or Asset Documentation or Qualification
• No Credit Score Requirements
• No application or appraisal fees
• No Personal Guarantees
• Purchase or Cash-Out
• Approval and Funding Within 7-10 Days – Or Less!
• So, if you have any loan scenarios that you would like us to look at or if you have any questions or want more information, please give us a call:
  863-298-8900 or 813-833-3132.

Don’t ever loose a deal because of financing without running it by us first.

Thanks.

http://Commerciallendingpros.com
Your #1 Source for Commercial & Business Financing
Office: 863-298-8900 eFax: 863-877-4456 Cell: 813-833-3132
Email: loans@commerciallendingpros.com
http://www.commerciallendingpros.com/

Click Here to Fill Out A Quick Commercial Pre-Qual Form

Loans for Business and Frachise Purchases

For business-only and franchise purchases, these types of transactions are FULL-DOC loans, meaning income and assets of the borrower are verified. Assets are usually sourced (where is the money coming from?) and seasoned (how long has the money been there?). So it’s not real easy to get ultra creative on those kinds of deals. Even if you don’t actually use any of your own money to purchase a particular business – you still have to verify that you COULD and show where the money would come from (even if it actually comes from somewhere else).

For maximizing seller financing and getting creative, stick with main line properties like apartment buildings, office buildings, and retail strip centers AND keep the deals SMALL (usually under $1 million). Lenders want the type of properties where the tenants of the property generate enough revenue to pay for the mortgage – not a single business owner relying on the profitability of his business (like a KFC restaurant). With an apartment building or multi-tenant office building, even if YOU (the borrower) become unable or unwilling to pay your mortgage, the property may be able to support itself. So, because these are considered less risky loans, lenders often allow more flexible underwriting guidelines.

We are Financing Specialists dedicated to finding the best option for our customers whether its commercial business loans, investor financing or residential home loan.

If it’s an available commercial financing program ANYWHERE in the United States - we have access to it!

COMMERCIAL / BUSINESS LOANS

Commercial Capital, Ltd.
Your #1 Source for Commercial & Business Financing

Office: 863-298-8900 eFax: 863-877-4456 Cell: 813-833-3132

http://www.commerciallendingpros.com/

100% COMMERCIAL LOAN PROGRAMS

100% Commercial Loans for Business Expansion and Acquisition Financing

• 100% financing includes build-out and closing costs
• Loan amounts up to $1 million
• Stop Paying Rent and OWN the building your business is in.
• Expand your current facility – get room to GROW

Other Commercial Loan Programs

• 100% No Doc Commercial Loans
• 100% Office Condo Financing for Professionals

Over the years, we have learned the nuances of the Commercial lending arena and now have the team in place to provide the great rates and flexibility of a broker with the underwriting knowledge of direct lenders. In so doing, we can fill the void between the local commercial bank with it's slow approvals, rigid terms, zero follow-up and harsh criteria and the "hard money" lenders who will give you 13% rates. In fact, we will help structure the deal and can often get the loan approved with banks and lenders that you would be unable to get done. Plus, we are now correspondent lenders with several national banks - which means better pricing for our clients.

The 100% loan is not for everyone, and qualification is required but your helpful CommercialLendingPros.com Representative will gladly assist. Just call us today and we can crunch the numbers and see if this loan will work for you!

Contact us: Call 863-298-8900 or 813-833-3132

or visit http://business-loan-pro.com/irw/article.php?cid=33361&ctry=US&arid=343