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.

House Small Business Subcommittee on Investigations Chairman Congressman Mike Coffman Promotes SBA Backed Loans

House Small Business Subcommittee on Investigations Chairman Congressman Mike Coffman Promotes SBA Backed LoansThe House Small Business Subcommittee on Investigations, Oversight and Regulations Chairman Mike Coffman (R-CO) today held a field hearing in Greenwood Village, Colorado to examine the state of small business lending, focusing on Small Business Administration (SBA) loan programs and the regulatory impediments to small business lending. Coffman said, "It is important for small business owners and community banks to hear from the Small Business Administration about government-backed lending programs that can help them, and it is equally important for legislators and government agencies, like SBA, to hear directly from small banks about how regulators have responded to the financial crisis of 2008 and how regulations have affected small business lending. Because of the importance of small banks as lenders to small companies, a proper balance should exist between an effective regulatory structure that protects depositors and a financial institution's ability to lend. Public forums like today's field hearing are very important in achieving that balance." . . . keep reading about Small Business Lending

If you are a small business looking for financing Commercial Lending Pros can help you find the financing you need.  We work with over 150 different lending sources who 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
• Loans size starting from $100,000 to $10,000,000

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: 863-298-8900
Fax: 863-877-4456
Email: marcos@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!" 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!!!!

Spotlight On Quick Money

Times are tough all over, and running a business is no different. At Commercial Capital, we focus on the needs of small business. One of the ways we are meeting that need is with our new “Asset Backed Loan”. As opposed to a loan on real estate, this is a loan against stocks, bonds or treasuries. These loans have INCREDIBLE interest rates under 5% and can close in TWO WEEKS!

And it is easy! Get one simple statement showing the asset, like a quarterly report, and send it in. Within 3-5 days, we will have a contract. Once you sign that contract, you fund in 7-10 business days! And the rates are typically in the 4% - 5% range! That is some of the cheapest money available! And with no credit check or income verification! You keep ownership of the securities, and if the stock goes up…you get all the benefit. A lien is placed against the stocks/bonds or treasuries, so you cannot trade them for the duration of the loan. But unlike a margin loan, the loan CANNOT BE CALLED if the stocks go down in value. It is a safe way of tapping the asset for short term needs while protecting the asset for long term gains, retirement, etc. When you pay the loan off, the lien is released!

This money could be used by a small business to keep afloat until the economy turns. Or it could be used to pay off high interest debt, remember, we are often talking rates below 5% interest only. It can be used by real estate investors to grab some cheap homes or commercial properties…the opportunities are endless. We are currently working with developers who are in the middle of building hotels, apartments and retail properties and need to finish construction. Because they’re part way through construction, there is not a lot of interest among other lenders to provide funding. But the developers each have millions tied up in their stock portfolio. We can get them a quick few million and they can finish their projects. The opportunities this loan can bring you for some quick cash and real financial leverage are awesome! If you have any scenarios you would like to run by us, just give us a call at 863-298-8900. Minimum loan is $500,000. Get the quick cash you need today with NO credit check or income verification – at rates under 5%! Just call 863-298-8900.

Understanding Unsecured Business Lines of Credit

Understanding Unsecured Business Lines of Credit

Here is response to an inquiry about Unsecured Business Lines of Credit:

1)You are looking to for a $300,000 line of credit. For unsecured lines of credit with no income or asset verification required - the maximum line size is $50,000. To achieve the amount you desire we would have to string together lines of credit from several different banks and credit companies. The EXACT amount is yet to be determined. It could fall short of the $300,000 maximum depending on what each bank approves and whether you accept all lines offered or you decline some.

The agreement you sign is a standard document that we use for ALL of our commercial and business financing clients. The 90 days time frame is also standard for our agreement as most commercial financing averages 60+ days to close and fund. Approvals for the individual lines of credit are much quicker and can start coming in as quickly as 10-14 days from submission.
Most are set up within 30 days. In this instance, we'd be happy to adjust the time frame to match more closely with the program you are applying for.

2) Lines of credit usually are open for up to 20 years. Usually a maximum of 10 years as a revolving line of credit. Then, at the end of the first 10 year term, the balance (if any) is converted to a 10 year amortized loan.
With multiple lines of credit, terms may vary, but this is the most typical set up.

3) The set up fee is a one time fee when the lines of credit are activated and made available to you. No other fees apply other than the agreed upon interest and any late payment fees, when applicable.

4) An initial $500-$600 is the only thing you pay now. The set up fees for each line of credit are paid at the time the lines of credit are activated and can be paid through the line of credit (so you actually start out with a small
balance) or can be paid separately by check or credit card.

5) The origination fee IS included in the bank fees of 7% - 10% on page 1.
That is NOT an additional amount.

6) WE do not issue you the lines of credit. We have over 130 commercial banks and credit card companies we work with. We know the guidelines for the ones that issue unsecured business lines of credit. We know you meet the basic guidelines for most of them however we do not know the exact amounts you will be approved for from each one at this time. Some actually require application fees be submitted with their applications so as a matter of protocol, we do not formally submit applications until a financing agreement has been signed and a deposit collected from a client. We do not collect deposits from clients that do not meet basic approval guidelines.

7) As mentioned earlier, the agreement you sign is a standard document that we use for ALL of our commercial and business financing clients. And there ARE documents required for all our financing programs, including this one.
For unsecured business lines of credit, the documentation is very limited.
Usually proof of identity (copy of drivers license), Proof of business ownership and status of business (articles of incorporation and confirmation your corp. / LLC is in good standing within the state it is registered), proof of business checking account (voided business check) and in some cases a few other items.

8) Lines of credit are revolving like a credit card. Interest only payments or 1% of balance monthly is how most work. No fixed amortization until after the initial 10 year period ends for most of them.

I hope this answers most of your questions but don't hesitate to call or email me directly if you are still unclear on any of these points or anything else that wasn't addressed in this email.


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

Do you want a Cash Line of Credit of Up To $300,000?

Do you want a Cash Line of Credit of Up To $300,000* or more WITHOUT risking your personal assets, lowering your personal credit score or damaging your personal credit history? Commercial Capital Ltd. has a proven system so you can get the cash lines of credit you need now to financing the launch, operation and growth of your business!


Are you looking for a way to finance the launch, operation or expansion of your business…and would like the Corporation to get to the point of doing it without you personally guaranteeing the loan and putting your family’s financial security at stake?

Then you’ve come to the right place!!! Commercial Capital Ltd. helps entrepreneurs, real estate investors and small business owners secure the cash they need to finance their business dreams.


We’ll obtain cash lines of credit for your business – not just lines of credit with specific stores or vendors; real money you can spend the way you feel is best. This will allow you to shield yourself from liability and reduce your tax burden. Using our proven system, we will obtain the corporate credit you need now without a personal guarantee. So your company is 100% responsible for its own debts…and you and your family aren’t left holding the bag. Having the proper amount of corporate credit will position you and your business to take advantage of EVERY worthwhile opportunity that comes your way. You’ll never have to hesitate on a great investment or business opportunity just because you can’t find the necessary cash.

To learn more about Commercial Capital Ltd. and full details about how we can help you obtain the lines of credit you need to adequately fund the launch, operation and/or growth of your business, without any of your personal credit involved; please call: 863-298-8900 or 813-833-3132…and one of our Account Executives will be happy to assist you.

*Requirements: You must have been in business two years; provide two years worth of tax returns and have a 680 mid-range credit score.

BUSINESS LOANS: 100% COMMERCIAL LOANS FOR BUSINESS ACQUISITION

Expand your current facility – get room to GROW! Get additional working capital for marketing, more employees, a new division, etc.

100% FINANCING FOR BUSINESS ACQUISITION

• 100% financing includes build-out and closing costs rolled in
• Loan amounts up to $1 million
• Great for business professionals – doctors, dentists, lawyers, accountants
• Use NONE of your own money with just 2 years of business experience required
• Must be at least 51% owner occupied

Most commercial loans are based on the prime rate. Since the prime rate is declining, there has never been a better time to invest.

For detailed information or a specific quote on a loan scenario, give us a call at: 863-298-8900 or 813-833-3132 Or visit: http://commerciallendingpros.com

To fill-out a quick loan scenario Pre-Qualification form visit http://business-loan-pro.com/irw/article.php?cid=33361&ctry=US&arid=343

Important Commercial Financing Update

Just in case you haven't checked with your lender or loan broker within the past few days, please be advised that any pending loan applications that are not within 48 hours of closing or have not been issued a FINAL APPROVAL & LOAN COMMITMENT – may now be DENIED!!

In response to recent changes in the securitization market and a lack of liquidity from the secondary market that has reduced capital availability – most lenders have recently (within the last few business days) changed their loan program offerings and underwriting guidelines.

• Minimum credit score requirements have been INCREASED
• Maximum loan to value ratios have been DECREASED
• Loans for certain property or business types (restaurants, gas stations, mortgage & real estate companies, etc.) may no longer be available.
• Maximum loan amounts have been lowered
• Underwriting for "no income verification" loans has been tightened
• Seller-held 2^nd mortgages may no longer be allowed
• If your lender was Interbay Funding, Silverhill Financial, Met West, Lehman Brothers, or any other Low Doc / Stated Income lender - your pre-approval is probably no longer valid.

So please contact your lender representative TODAY. Don't wait until the last minute. And if the worst has actually happened and your loan is no longer approved – please contact us immediately.

Since we offer portfolio loans that are not sold in the secondary market, we are not subject to fluctuations in the marketplace like many other lenders.

• We WILL still consider unique or Tier 3 & 4 property types
• We WILL allow seller held 2^nd mortgages on many of our loan programs
• We WILL allow credit scores as low as 600
• We WILL do loans up to 100% LTV (yes, even TODAY, with all the other lenders reducing their maximum loan to value ratios)
• We WILL still allow for NO INCOME VERIFICATION loans

So call us TODAY at 863-299-2929 or visit our web site at http://www.commerciallendingpros.com/ if your loan has been denied by another lender.

We make the TOUGH Loans look Easy!!

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

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

www.CommercialLendingPros.com

Commercial Real Estate: Safe Haven Investment

While economic uncertainty and the credit crunch have led to investor anxiety in many markets, commercial real estate remains comparatively attractive, according to Deloitte LLP’s recently released report, 2008 Real Estate Capital Markets Industry Outlook.

"In prior boom cycles, commercial real estate has responded by overbuilding. The industry has clearly learned its lesson because this time commercial real estate is enduring a credit crunch, not a crisis, partially because it resisted this urge,” said Dennis Yeskey of Deloitte’s Real Estate Capital Markets practice.

"No doubt the industry is in a strong position to withstand a recession, should one occur, and commercial real estate remains a viable investment option for those seeking to diversify and insulate their portfolios from market volatility.”

The Deloitte report discloses that commercial real estate (CRE) has "evolved from an asset class characterized by steadfast returns and low volatility to a ‘Best in Show’ asset class providing investors with both high yield and high stability . . .
"Despite several stock market run-ups in the last few years, CRE has shined, outpacing stocks and bonds on a 1-year, 5-year and 10-year basis.”

According to the report from Deloitte’s Real Estate Group, which has offices across the U.S. and in Europe and Asia, CRE "has been a clear winner in terms of performance and stability, in addition to offering diversification for investors.

"Early in 2007, the story that appeared to be developing was the emergence of asset class parity, as rebounding stocks as well as private equity and hedge funds emerged as more significant competition. During the first three quarters of 2007, however, private CRE returns held steady as stocks endured significant and repeated volatility.”

The report makes a number of positive observations regarding commercial real estate, including:

• Over the 3-year period from 2004 to 2006, core private commercial real estate had annual returns of more than 17 percent, while the S&P had an average annual return of 10.44 percent over that period, NASDAQ returned less than 7 percent, and bonds returned less than 5 percent.
• Due to the weak U.S. dollar, commercial real estate in the U.S. is relatively attractive to foreign investors compared to other international markets.
• Overall vacancies in commercial real estate remains stable, and rent continues to increase.
  

The "Bottom Line,” according to the report: "Going forward, investors would do well to stop comparing commercial real estate returns to the previous few years’ performance, and to take a closer look at how these returns fit into the big picture.

". . . when compared to other investment categories (stocks, bonds, etc.), commercial real estate remains an attractive investment vehicle due to its stability and opportunity for diversification.”

Whatever your need, NOBODY has more ways than we do to help you minimize your cash investment when buying a new business or commercial property. When you’re ready to discuss in detail how we can help you structure your next acquisition for maximum leverage and return on investment, just give use a call or send us an email. You will find us helpful, knowledgeable and ready to serve!

863-298-8900 or 813-833-3132

Website: http://commerciallendingpros.com/
We offer many types of Business and Commercial Loans:

• 100% Financing
• Business Loans
• Commercial Loans
• Mortgage Advice
• Business Acquisition
• Franchise Purchase
• Start-Up Funding
• Office Condos Loans
• Multi-Family Refinance
• Gas Station Purchase
• Bridge Loans

Website: http://www.commerciallendingpros.com/
Your #1 Source For Commercial & Business Financing

Experts in Business Loans, Commercial Loans and 100% financing

We are experts in business loans, commercial loans, 100% financing, small business loans and offer many other financing programs. We offer low rates and some the best terms in the market today.

We've got the money you need.

Visit us today at http://commerciallendingpros.com/

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