SBA Loans: Beware of Shorter Amortizations

As the money markets continue to open back up and commercial loan sources become more plentiful - more banks are now considering funding guaranteed SBA loans for businesses WITHOUT the requirement of using commercial real estate or major long-life equipment as collateral. But beware of using the standard 20-25 year amortization schedule when trying to pre-qualify these type of loan requests as that may get you into trouble down the road. We just had a client whose deal fell out during the final underwriting stage because the loan term was going to be limited to 7 years, instead of the most common 20-25 year terms that accompanies most SBA loans with real estate. When the underwriter and/or loan committee decided to limit the term of the loan to that shorter period - the annual debt service amount went up significantly and the minimum debt service coverage ratio of 1.25 could no longer be met. Thus, the loan was denied.

The SBA’s loan programs are generally intended to encourage longer term small-business financing. However, actual loan maturities are based on (1) the ability to repay, (2) the purpose of the loan proceeds and (3) the useful life of the assets financed. Maximum loan maturities have been established: 25 years for real estate, up to 10 years for equipment (depending on the useful life of the equipment) and generally up to seven years for working capital.

To avoid confusion and wasted time and effort, always try to get a clear, complete and detailed breakdown of the USE OF PROCEEDS for the loan request early on in the loan pre-qualification process so you can accurately determine what amortization schedule to use in projecting loan payment amounts and annual debt service. It's always best to let a borrower or potential new client know as early on as possible in the process if you don't believe they'll be approved for the loan amount they are requesting.

For more information on SBA loan programs, visit us at CommercialLendingPros.com or call Tony at 813-833-3132.

GREAT Time to Tap a Note Discount!

Year End is a GREAT Time to Tap a Note Discount!

Banks need to get loans off their books-both non-performing AND, performing and there is NO better time to approach these deals than at the end of a quarter and especially a year.  Discounted note deals that are started now can STILL close by year end even with the holidays.  Bridge loans can close that quickly and many times, a new appraisal is NOT even needed.

We have one client that had an outstanding loan of $1.7 million.  The property values had fallen and, the place only appraised for a million.  The property cash flowed to support a $600,000 loan and, the bank accepted the pay off.  He lopped off $1.1 MILLION in debt!  BECAUSE THE NOTE HAD BEEN CALLED MONTHS AGO AND, THE LENDER DID NOT WANT TO TAKE PAYMENTS.  HE HAD NOT MADE A PAYMENT IN 6 MONTHS!  We did a private money loan through our fund and, closed it in a few weeks.  Six (6) months from now we will refinance him into a longer term vehicle at conventional rates and, the client is fired up!
 

It can work on purchases too.  We have one client that is being offered a group of 6 shopping centers that the bank has foreclosed on.  The outstanding loan is $13 million, the properties recently appraised for $11 million, they cash flow net about $850K and, this borrower can buy them for $7 million if he will close in 30 days.  That is $3 million of free equity-HUGE.  We have the resources to close that loan in a couple of weeks with no appraisal!

Properties don’t have to be distressed to need note discount deals although if you have time and, the note is current, there are conventional options available.  We have seen deals where the bank just wanted the loan off their books to improve their reserve requirements even though the loan was performing. We had to document that the loan was performing but, we have done straight refi’s where the borrower was able to lop hundreds of thousands off of what they owed simply by refinancing it off the banks books.  Right now, banks are looking hard at moving some debt off their books.

If you know someone who has a chance to refinance the note at a discount, or if you yourself are in this situation, give us a call. It is VERY likely that I can get you the money you need. 863-299-2929 or 813-833-3132

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

We can get deals closed.  Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!"

S.B.A.-Backed Lending Set a Record in 2011

SBA-Backed Lending Set a Record in 2011 - NYTimes
In all, by the end of the S.B.A.'s fiscal year, on September 30th, gross loan approvals reached $19.6 billion in the agency's general business, or 7(a), loan program and $4.8 billion in capital investment loans issued in what's known as the 504 program. In just the first quarter of the year (the last three months of calendar year 2010), the agency approved $9 billion in 7(a) loans, nearly as much as it had approved in all of 2009. Gross loan approvals, which reflects totals before canceled loans are subtracted, is how the agency commonly reports its lending statistics. . . . keep reading about Small Business Lending

At Commercial Capital, we are busier than we ever have been and, since most of our loans are to small businesses.  Many of the CDC’s are also having very good years (CDC’s are companies that administer the seconds on SBA 504 loans). If the SBA is busy, then again, small businesses are working. There is almost a mini-boom happening in franchising right now. It seems like every franchise out there is very busy, which again, means new businesses are starting. This means jobs are being created. I am seeing another big trend-a lot of boomers are quitting corporate America for good, cashing out or rolling over their IRA’s and, starting their own businesses. Now financial planners may cringe at that point, but the owners we speak to are putting it this way, “These large companies I have invested in don’t seem to be very “with it” and, with so many risks, I feel better controlling my own destiny”.

We are Direct Lenders for SBA 504 loans in certain markets and offer several types of Securities Loans.  If you are a small business owner or looking to leverage your investment portfolio in a business opportunity Commercial Capital can help you find the financing you need. We work with over 150 different lending sources that are lending and will evaluate your loan scenario in a prompt professional manner. We will underwrite and process Small Business Administration Loans:

• SBA 7(a) (We are Preferred Lenders)
• SBA 504 (We are Direct Lenders)

The provisions of the Equal Credit Opportunity Act shall apply to all applicants for loans submitted under these government guaranteed loan programs. There shall be no discrimination on the basis of race, color, religion, age, sex, marital status, handicap or national origin. It is our goal to facilitate a quick funding on all SBA loan requests. Additionally, we offer the following advantages:

• Competitive rates and terms
• Purchase or refinance of commercial real-estate, with cash out permitted
• SBA-guaranteed fee can be financed in most cases

We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!" WE ARE SERIOUS ABOUT IT.  WHAT WE DO IS IMPORTANT. WHAT WE DO IS NEEDED. THE OPPORTUNITY IS AWESOME.

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Contact Us

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

Commercial Rates Lowest of the Year!

Commercial Rates Lowest of the Year!

The stock market sell off of the last two weeks has created the refinance and purchase opportunity of a lifetime in commercial real estate!

Commercial rates are now in the 5% range and even 4%’s are available on select property types. People with balloon notes due in 2 years should seriously consider a refinance and if you are in the market to purchase commercial real estate, you cannot beat the rates available at this time.

Of course, guidelines are still tight and you need to work with someone with a proven track record of actually closing loans but now the rates create a truly unique opportunity.

To find out where the rates are for your property type or situation or to get a quick commercial loan approval for a purchase, call or email us today at 863-299-2929 loans@commerciallendingpros.com

While some lenders are exiting the commercial sector, new lenders and new programs continue to come into the market.

We are rolling out the HOTTEST BRIDGE LOAN ON THE PLANET THIS WEEK FOR LOANS $3 MILLION AND UP.

CHECK IT OUT:

Up to 85% LTV!!!!

Rehab OK

NON-RECOURSE (are you kidding me?)

RATES between 9 and 11% generally

All property types considered-even HOSPITALITY

Can lend in all 50 states

Wow! If you or anyone you know needs bridge commercial money-you won’t find better bridge terms than this!

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Contact Us

We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!" WE ARE SERIOUS ABOUT IT.
WHAT WE DO IS IMPORTANT. WHAT WE DO IS NEEDED. THE OPPORTUNITY IS AWESOME.

Capital Constraint Still Continues…..

Capital Constraint Still Continues…..

Had an interesting meeting last week with a consortium of credit unions in Seattle.  They were engaging us to help create a strategic plan for creating a Credit Union Service Organization (CUSO).  Credit unions have a lot of capital to deploy right now and you would think they are aggressively lending – but what we found out was that they are actually quite nervous about government audits, about defaults, about the marketplace in general.  They need to lend, but they are cautious about it.  Fear, is a bigger concern than profit.

Local banks have the exact same fears and it constrains them as well.  In fact, in my discussion with hundreds of local banks over the last few months, it appears as many as 60-70% of them are NOT REALLY LENDING!  Combine this with the fact that the big 5 banks deny 80-90% of the applications they take in and you see the true state of money availability to the local business owner or real estate investor.  You won't read that in the media – that is not what the powers-that-be want you to hear.  But that is what is going on behind the scenes and like any problem, it provides an opportunity for someone.  At Commercial Capital, we have resources around the country that ARE aggressively lending.  If a deal is a good deal, we have resources to fund it.  That includes life companies, hedge funds, conduit lending, private money AND local banks and credit unions that ARE lending.  We can bring the resources of the country to the local investor or business owner and keep the money flowing to the businesses and entities that are out there making it happen. Those are the heroes that are really growing the economy.  When we get a loan for that business owner, that opens up jobs and opportunities.  That is what these people need.

On Friday, we closed a $6.4 Million loan through our in-house lending facility for one of the largest re-modeling contractor companies in the country.  That loan will pay off a bank loan and will free up credit lines to help him handle the huge orders he just received that are going to add millions to his bottom line.  That leads to more jobs and more growth.  A broker brought the deal to us.  We split the one point fee and we locked the client in at 5.11% fixed for 5 years – WOW!  And we did almost all the work on the file! This guy is a multi-millionaire with a strong company and is a strong borrower with millions in the bank and he could not get funded locally and ended up with a broker.  Lucky for him, that broker found us.

We can get deals closed.  Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!" WE ARE SERIOUS ABOUT IT.

WHAT WE DO IS IMPORTANT.  WHAT WE DO IS NEEDED.  THE OPPORTUNITY IS AWESOME. 

JOIN OUR TEAM! BECOME A BUSINESS LOAN PRO TODAY! OUR TIME IS NOW!!!!

Marcos Lopez

Commercial Lending Pros

Commercial Capital Limited

Florida Real Estate & Commercial Loans, Inc.

Tel: 863-298-8900

Fax: 863-877-4456

Email: marcos@commerciallendingpros.com

Website: http://www.commerciallendingpros.com/

Your #1 Source For Commercial & Business Financing

Mission: "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!"

Commercial Tip of the Week: FAST CLOSING FINANCING IS HERE!

SPEED!

That is the name of the game this week.  Our last two closings had one thing in common-speed.  Sometimes you have clients who just need to close fast.  We can get the deals done quickly, just check out these two closings from the last 2 weeks:

Investor Refinance of a $1.2 million loan on a retail shopping center.  The client came to us after being denied by a local bank.  The note was due and, the lender was willing to extend it on an adjustable loan but, this borrower wanted a low fixed rate.  We closed her in 34 calendar days from app to closing BUT, she took 4 days to sign the commitment letter.  We could have closed this in 30 days!   We did this with our IN-HOUSE LENDING PROGRAM.   That was with a new appraisal, inspections, everything.  Her rate? 5.9 fixed for 5 years.  The borrower said at the closing, “Thank you SOOO much.  Orlando said I would be in good hands”.  If the borrower won’t hesitate, we can close conventional loans with great rates in 30 days consistently on our in-house program.

Discounted Note Deal closed in 8 days!  Sometimes people don’t have 30 days.  This guy was going to lose the property if he did not close by Wednesday.  The lender was calling the note and, offered a deep discount if he would pay it off by a certain date - otherwise, they would execute the foreclosure.  He signed our agreement on Monday, March 28.  We ordered a quick review appraisal on the spot and had the file closed the following Wednesday - in just 8 business days through our private money fund.  This fund will look at any type of property as long as the deal makes sense.  It must be RE based, and we won’t go above 65% LTV but, we can close lightning quick.  This borrower got $500,000 off on his note by closing on time and, saved his property to boot!  The broker who sent the deal said, “Ernie called & is thrilled at how well everything went with the closing. He couldn’t thank m enough for getting this done in such a short time period. He now believes that I have the ability to get loans closed & will be sending referrals over my way.”  Closings beget more closings!

If you have a loan that needs to close quickly or, you know of someone who needs to close quickly, give me a call.  Our in-house lending and our private money fund are closing loans and fast.  We may close as many as 10 loans this month between the two funds… if you hurry, maybe we can add your loan to that?  Call me today to see at

Have a great week, 

Tony DeCresie

Commercial Capital, Ltd.

Your #1 Source for Business & Commercial Loans

Office: 863-298-8900 Direct: 813-833-3132

www.CommercialLendingPros.com

 CLICK HERE Get a Quick response to your commercial Loan Scenario

    

   

SBA 504 loans value $1.4 billion in first quarter 2011

The SBA 504 loan program has recaptured its buzz in the current economy and recent numbers indicate that more firms are using the innovative program to secure commercial real estate deals. Financial markets are beginning to thaw as loans terms have soften for some, but for many firms attempting to complete real estate deals current guidelines and requirements are still not economically feasible. Many of those that survived the economic downturn are now growing and require new space. Instead of turning to traditional financing, where they may be met with lukewarm response, programs like the SBA 504 have helped bridge the gap and make many real estate deals a reality for potential owner-occupiers. . . . keep reading

We Are Direct SBA 504 Lenders!

Give us a call at: 863-298-8900 or 813-833-3132

Or click here to fill out a Quick Loan Pre-Qual form to get a fast response to your loan scenario

Commercial Lending Pros

Tel: 863-298-8900

Fax: 863-877-4456

Email: loans@CommercialLendingPros.com

Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

  

SBA Lenders Gear Up First Mortgage Pooling Program to Increase Lending Capabilities for Banks

SBA Lenders Gear Up First Mortgage Pooling Program to Increase Lending Capabilities for Banks
SBA approved banks and commercial lenders have begun assembling loans under a new Small Business Administration (SBA) secondary market program to help banks increase their lending to small businesses.

Through the first-mortgage pooling program, banks will sell 85 percent of their first mortgage on SBA-504 loans to the secondary market, providing increased liquidity and ability to offer more competitive variable and long-term fixed rates to borrowers. Secondary market investors will receive an 80 percent guaranty on these loans.

It's designed to help stimulate lending to small businesses for the purchase of owner-user commercial real estate and equipment.


August 20, 2010

Tony DeCresie, Director of Commercial Lending for Florida Real Estates & Commercial Loans, Inc., and a nationwide affiliate of Commercial Capital, Ltd., commented on the new mortgage pooling program. "This is fantastic news for small businesses across the country. Even before the first sale, our bank underwriters were loosening up on the loan approval guidelines a bit in anticipation of being able to take on a significantly higher volume of SBA loans." Commercial Capital, Ltd. is a direct SBA 504 lender. In his position, Mr. DeCresie will also provide training to Commercial Mortgage Brokers and Loan Officers across the country on other SBA and government guaranteed lending products and services to strengthen their loan production nationally. Additionally, he will initiate education programs for Certified Public Accountants and commercial real estate brokers on the benefits of SBA financing to their small-business clients.
The 504 program is designed to lend money to businesses to purchase commercial real estate to house their companies. The small business owner down-payment requirement is 10 percent of the total purchase price. A bank lends 50 percent in first position and a certified development company lends 40 percent. The CDC loan is guaranteed by the SBA.
For more details on the SBA 504 and other available loan programs for small businesses, send inquires to loans@CommercialLendingPros.com or contact Mr. DeCresie directly.

Tony DeCresie

Commercial Capital, Ltd.

Your #1 Source for Business & Commercial Loans

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

http://www.commerciallendingpros.com/

SBA Recovery Lending Extended Through April 30

SBA Recovery Lending Extended Through April 30

Administrator Mills urges longer-term extension for successful programs


March 29, 2010 WASHINGTON – President Barack Obama signed on Friday legislation extending through April the U.S. Small Business Administration’s ability to provide enhancements in its two largest small business loan programs. The enhancements, first made available under the American Recovery and Reinvestment Act, include a higher guarantee on some SBA-backed loans and fee relief.


The SBA estimates the $40 million extension will support about $1.4 billion in small business lending.


“Thousands of small businesses across the country have taken advantage of these Recovery loan enhancements to get the capital they need during these tough economic times,” said SBA Administrator Karen Mills. “The increased guarantee and reduced fees on SBA loans helped put more than $23 billion into the hands of small business owners and brought more than 1,100 lenders back to SBA loan programs. As a result, average weekly loan approvals by SBA have climbed by 86 percent compared to the weekly average before passage of the Recovery Act. These programs have been successful in helping jump-start our economy, which is why we will continue to work with Congress on a longer extension of the increased guarantee and reduced fees.


“Additionally, we continue to encourage the Congress to act on other proposals the President has put forward, including higher SBA loan limits and refinancing for commercial property mortgages to help thousands of small businesses avoid potential foreclosure. Small businesses need the changes the President has called for to ensure that they have the tools to drive economic growth and create jobs in communities all across the country.” Click Here for Full Article

Commercial Capital Limited

SBA Financing Program
We here at Commercial Capital Limited are experts in Small Business Administration 504 loans and are able to assist all our clients in getting SBA loans closed faster, easier and at lower costs. Don’t hesitate to call or email Commercial Capital Limitied to see how we might be able to assist you and your business in receiving some of the additional Stimulus Bill money that has been made available thru the Small Business Administration.

Give
us a call at: 863-298-8900 or

813-833-3132

Or click below to get a fast response to your loan scenario!: 

Quick Pre Qual Form

 

What We Are Funding Now!

We specialize in government loans (SBA 7a & 504, USDA, FHA/HUD for multi-family & assisted living facilities). We recently asked several of our most experienced commercial underwriters to get an updated briefing of current lending preferences.


SBA Financing
Preferred deals right now are acquisitions or refis of businesses that are the most resilient to these tough economic times and have only moderate decrease in revenues.

The riskiest industries that we have seen this past year are restaurants, hospitality, contractors and related businesses to the construction industry. Real Estate collateral now requested for most loans.  Direct industry experience, especially in the high risk deals, is a must.

What’s In a Good Construction Loan Package?

• Executive Summary-overview of the project, location, strengths of the deal
• Detailed Resume’s of partners AND GC if not a partner
• Actual Projects completed-NEED EXPERIENCE
• Pro-Forma-projections on project and net income expected
• Detailed cost breakdown
• Information on the property demographics, absorption studies, marketing and management plans, etc. The more detailed the information here, the better
• FINANCIALS ON ALL PARTNERS, GC, AND BUSINESS PARTNERSHIP FOR 3 YEARS
• Personal Financial Statements on all borrowers and GC
• Info on pre-sales or pre-leasing and if so, proof of them. Minimum 50%+ pre-sales / pre-leasing is preferred
• The key is money, experience, and pre-sales (or pre-leasing). NEED 2 of the 3 to have a shot. 3 of the 3 to be assured

Most of these deals fall down in the financials and the pre-sales. And upon digging, often lack of experience shows up as well. Minimum you need to even get a quote is the Executive Summary and the Pro-forma. The rest is needed to submit.

CONTACT US TODAY


863-298-8900 or 813-833-3132

http://commerciallendingpros.com/

Obama Supports 150% Increase in Maximum 504 Loan -- to $ 5 Million

Oct. 21, 2009 -- President Obama today announced his support of legislation that will increase the cap on Small Business Administration (SBA) 504 loans to $5 million for standard small businesses and $5.5 million for small manufacturing businesses. 504 loan caps are currently set at $1.5 million ($2 million if a public policy is met) and $4 million, respectively.

The shift to $5 million for standard small business borrowers would support a total project of $12.5 million, and to $5.5 million for small manufacturers would support a total project of $13.75 million, according to the White House and the SBA.

While the legislation is pending Congressional approval, this is huge news for small business owners looking for financing who were unable to obtain a 504 loan due to $1.5 million cap. In many cases, these small businesses had already used a 504 loan, they were ready to expand, but were denied the chance to borrow again through the SBA due to the $1.5 million limit.

SBA data shows an increase in the demand for the larger loans currently available. In the 504 program, the percentage of loans for more than $1.5 million has grown, from 15% of total dollars approved in 2005 to 28% in 2009.

Obama made his announcement at the offices of Metropolitan Archives, a 504 loan recipient in Hyattsville, Maryland. With this kind of support from the president for the 504 industry, it is certainly hoped the legislation will be fast tracked and put into place by the SBA as soon as possible.

The 504 loan program is reserved exclusively for the purchase, construction or renovation of owner-occupied commercial real estate and/or the acquisition of industrial equipment or other fixed assets. It offers below market, fixed interest rates with long amortization terms (up to 20 years).

Over 115,000 savvy, small business owners have taken advantage of 504 loans to grow their businesses since the program began in 1986. In fact, the 504 loan program has funded over $45 billion in loans to growing small businesses over the past 23 years.

Click here for the White House release.

Click here for President Obama's speech transcript.

Commercial Capital Limited
SBA Financing Program

We here at Commercial Capital Limited are experts in Small Business Administration 504 loans and are able to assist all our clients in getting SBA loans closed faster, easier and at lower costs. Don’t hesitate to call or email Commercial Capital Limitied to see how we might be able to assist you and your business in receiving some of the additional Stimulus Bill money that has been made available thru the Small Business Administration.!

Give us a call at: 863-298-8900 or 813-833-3132
Or visit: http://commerciallendingpros.com/ and fill out a Quick Loan Pre-Qual form to get a fast response to your loan scenario!

Commercial Financing- what's hot and what's not??

These are the loan types that are easiest to fund given current market conditions.

1) SBA loans for owner occupied / owner run businesses up to 80% of purchase price, project costs or appraised value of real estate. We can go up to 90% of project costs for medical professionals with one of our special SBA programs. Minimum loan amount $400,000. Maximum loan amount $2,000,000.

2) FHA loans for multi-family housing or assisted living facilities. Up to 85% 1st lien financing. 35 - 40 year amortization. Fixed rates. 1.18 DSCR. Only negative is that depending on size and complexity of project and which state the project is in - most HUD offices are back up and closings could take 4-6 months from date of application to funding. Prefer $2 million minimum. No maximum on this program.

3) FNMA / HUD loans for multi-family up to 80% LTV. Only taking 60 days to close these in most cases. $750,000 minimum loan amount to $20,000,000. Minimum DSCR was just increaased to 1.25. Need 90%+ occupancy.

4) USDA Rural loans for businesses (owner occupied and investment properties are elligible). $750,000 minimum. $10,000,000 maximum. Up to $5 million, in house underwrtiting approval. Over $5 million requires Washington DC approval so add 30-60 days to sgtandard 60 day closing process. Prime + 2.50% adjustable quarterly. To be elligible, the business / property must be based in a municipality with 50,000 or less population.

5) Loans against securities (stocks, bonds, treasuries) with no income verification or minimum credit requiirements. Loans of 60% - 80% of current asset value of portfolio. Rates are interest only in the 5% - 6% range. All we need is recent monthly or quarterly statements to review and within 3-5 business days we can generally issue a formal loan proposal offer. Close and fund in less than 30 days in most cases.

We offer many other programs, but given the tight market conditiions that exist today, these are my recommendations for the quickest and easiest route to loan approvals and closings.

Tony DeCresie

Commercial Capital, Ltd.
Your #1 Source for Business & Commercial Loans
Office: 863-299-2929
Fax: 863-877-4456
Cell: 813-833-3132

http://www.commerciallendingpros.com