Where is the Money?

In a recent Commercial Capital Limited conference call several prominent lenders discussed the availability of billions of dollars for financing commercial real estate.  The bad news is that the credit markets remain tight; the good news is that there IS money to lend out there-you just need to know where to get it. 

There is an incredible amount of money that was raised to handle the coming delinquencies in CMBS that never actually happened.  “Extend and pretend” pushed that timeline back another 5 years.  As a result, there is a great amount of capital looking to deploy to deals that make sense, especially in situations where notes are getting discounted.  We now have multiple lenders with the ability to come in with 100% of the Note discount if the values work.  We have access now to equity players that will come in and take a note out with all equity or some combination of debt and equity.

We now have billions of dollars of capital that NEEDS to get deployed for good deals.  They are hungry to deploy the money because they only get yield for these investors if the money is deployed.  It earns nothing sitting in the bank.  This is huge because the reserve requirements banks have to meet will be raised again in 2014 which is right around the corner.  The tightness that exists is going to be with us for some time and banks are still more nervous about regulators then they are about profits.  Survival is the name of the game for many banks, not profit.  And so these discounted note deals will continue to happen.  Every day we see another deal where a note was either sold or the bank has gone back to the borrower asking them to refinance it and they were willing to give a discount to do it!

We have a lot of money available to deploy to just those situations.  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

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

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

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!"

Accounts Receivables Financing

Accounts Receivables financing is ideal for businesses that need liquidity quickly and who cannot wait 30, 60, or 90 days for payment of their accounts receivables.


Accounts Receivables Lines
• Lines size: $100,000 to $12,000,000
• Advance Rates: Up to 90%
• Rates/Fess: Prime Rate +
• Industries: Manufacturing, Service, Distribution, Staffing, Transportation, Technology, Health Care
• Collateral: Account Receivables

Click Here for an Accounts receivables application form

Please feel free to contact us if you would like us to look at your financing scenario. If you have any questions or want more information please call:
863-298-8900 or 813-833-3132

http://commerciallendingpros.com/Accounts-Receivables.htm

Private Money Loans

Private money loans are loans for situations where traditional banks will not lend. With the credit squeeze going on and banks increasingly less focused on lending, these loans have really grown over the past year. These loans are not for bad borrowers, they are for people who need money quick. Maybe it is a purchase contract that needs to close in 3 weeks, or a tight situation that just needs a short term bridge…these loans are great loans for a quick close. Common sense underwriting is the norm for these loans. There are two basic types of commercial private money loans, often called “hardmoney” loans:

• Cash flowing properties: Apartment complexes, retail strip centers, etc. These are properties that kick off enough cash to support the debt at almost 1 to 1 coverage or better. When that is the case, we have PLENTY of sources available. You may think; why if it is cash flowing does someone need hard money? The reasons are endless. I have one deal where it is a developer who has a bunch of properties working but because of long delays, they are cash poor. He has one property that he owns free and clear that is cash-flowing; we are getting him short term hard money to get him $12 Million to keep things rolling while the other loans close. We have a small $400,000 hard money loan where the guy just needs to close quick because he shopped too long and now his closing date is in 3 weeks and no one can close him. On these types of properties, money is available all the way up to $25 Million. LTV’s up to 75% are possible if the property cash flows strong. These are GREAT loans and can close quickly!
  
• Non-cash flowing properties: Whether it is raw land, or a vacant building that needs to be gutted and rented out or an apartment complex that is mostly empty and losing money, if it doesn’t cash flow, the rates are higher and the availability of funding is greatly diminished.. Excellent credit on the part of the borrower and borrower financial strength is critical on these deals. The lenders will also want a lower LTV, generally 50%. But a good borrower at a low LTV can get the money quick, whether it will be for cash-out, purchase, whatever. Even though these are tougher, we DO have loans available on these products from $200,000 up to $25 Million. Again, closings are generally very quick, 2-3 weeks is the norm.

Remember with private/hard money loans the terms are short. 1 to 2 years is preferred. They often have NO pre-payment penalty because the lenders want to get the money back so they can re-deploy it again. The EXIT STRATEGY IS CRITICAL. How are you going to pay it off in 1-2 years? If the exit strategy is compelling, these deals can close. But if you need money fast, and the banks are saying NO, this is a great option! To run scenarios by us, just call 863-298-8900. Remember, WE HAVE COMMERCIAL HARD MONEY LOANS AVAILABLE FOR CASH FLOWING AND NON-CASH FLOWING COMMERCIAL PROPERTIES FROM $200,000 UP TO $25 MILLION. JUST CALL 863-298-8900 TO RUN THE SCENARIOS BY US – WE CAN GET THOSE DEALS CLOSED TODAY!

Commercial Loans: Acquisition And Development Money Is Back

The reality is this – the Money Supply is TIGHT and it’s bound to get even TIGHTER as the economy continues to spiral downward!! If your deal is not STRONG, it will not get funded. No exceptions.

However, there are lots of solid borrowers with strong deals that can’t get funding simply because the banks and brokers they are going to don’t have any money to lend. But there is hope!!

Acquisition And Development Money Is Back And Commercial Capital, Ltd. Has Access To IT!!!

That’s right, large loans for Tier 1 and Tier 2 developers to build out resorts, hotels, industrial parks, apartment buildings, even RESIDENTIAL SUBDIVISIONS are getting done again!

The local and regional banks are unwilling or unable to lend on these projects right now and the Wall Street firms are all under investigation, living in panic mode or awaiting the next takeover or merger. And we don’t think that will change for some time. We agree that commercial lending is going to drop this year overall. That’s probably inevitable with what’s going on in the economy.

However, the BIG HEDGE FUND and PRIVATE MONEY gurus used most of last year to build up their cash reserves and they have begun to deploy it! We’re not exactly sure why, but deals that could not get done last year are getting multiple bids on them now.

Over the next 30-45 days, our organization is scheduled to close nearly $1 Billion in acquisition and development loans thru our Hedge Fund partners.

Here’s an overview of the type of projects that will qualify for funding:

• $ 10 Million to UNLIMITED!
• Domestic and International as well
• Terms and structure will vary by deal
• Tier 1 & Tier 2 Developers Only
• All properties and projects considered, but the deal MUST be strong.
• Must have access to the principals

Please keep in mind that there are more deals needing money than money to lend so only the better deals get funded. To find out if we can help you, just call us at: 1-863-298-8900. It costs nothing to see if we can help you!

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 Loans in Today's Lending Squeeze

Commercial Lending Squeeze

So how does this affect the average American?

The great majority of job creation in this country is being done by small businesses. If they can’t start or grow, then that takes a major driver of this economy off the table. For example, one of the largest lenders in franchise financing without real estate just stopped funding franchise startups. Hundreds of franchise businesses, from restaurants to hardware, which were slated to open in the next 90 days, are now stalled. This equates to tens of thousands of potential jobs lost. There is no other financing source for this niche available without collateral and few of the startups have the necessary collateral. Just like that, thousands of jobs gone and you won’t hear about this on CNBC. This is truly a unique time in the life of our economy.
But all is not lost. We KNOW that there ARE small businesses making money and there ARE good cash flowing properties that can be refinanced and/or purchased.

AND WE HAVE MONEY TO LEND!

As the largest commercial correspondent in the country, with over 500 local branches, we know the sources that are still funding. We know the transactions that can be funded and we know how to get them closed. NO ONE CLOSES MORE COMMERCIAL LOANS EACH MONTH THAN COMMERCIAL CAPITAL. NO ONE! Our size is your advantage allowing us to not only offer financing on properties and businesses that local banks might deny, but allowing us to provide the volume pricing incentives even local banks can’t match.

In short, if you need a commercial loan, there is just one number you need to call….Commercial Capital. Call us today:
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.