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.

SBA Loans Have A Huge Impact On Small Business

To Increase Small Business Loans, Revive What Has Already Worked
With the economy still struggling, there could not be a worse time to abandon a highly successful federal program that has created at least 650,000 private sector jobs throughout the country. In 2009, and again in 2010, the federal government acted to increase lending to small businesses. The most effective elements of this legislation, according to Small Business Administration (SBA) data and a study by the nonpartisan Congressional Research Service, were an increase in federal guarantees for SBA loans to 90 percent (from 75-85 percent), the elimination of loan fees, and an increase in the ceiling for each loan from $2 million to $5 million. . . .keep reading about Small Business Lending

Small Business Lending is vital to the country's economy and is the engine to generate employment opportunities. Here at Commercial Lending Pros we continue to provide financing services for business owners, investors and other entrepreneurs throughout the country who need to expand to create employment. We are direct lenders and also have access to over 150 different funding sources including banks that are lending, hedge funds, private equity groups, insurance companies, private investors and other funding sources including Wall St. funds.

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!"

Small Business Lending Fund Finally Begins Disbursements

Small Business Lending Fund Finally Begins Disbursements – Austin Business Journal
Pioneer Bank received more than $3 million for its Small Business Lending Fund program. The U.S. Department of the Treasury provided the capital in exchange for preferred stock. Pioneer Bank topped the Austin Business Journal's "Fast 50" list last year for growth among companies with less than the $10 million revenue. The lender increased revenue 418 percent from 2007 to 2009. The federal Small Business Lending Fund was created as part of the 2010 Jobs Act. The $30 billion program is meant to encourage small business lending to qualified community banks though incentives. . . . keep reading about Small Business Lending

The federal Small Business Lending Fund was created as part of the 2010 Jobs Act. The $30 billion program is meant to encourage small business lending to qualified community banks though incentives.  Unfortunately, its not enough!  The article featured above reports that Pioneer Bank received more than $3 million for its Small Business Lending Fund program.  We have businesses that need millions of dollars and banks are not lending. 

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 I 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!!!!

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

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!"

While Banks Put Small Business 'Under Stress', Commercial Lending Pros Offers Financing for Small Businesses

Banks put small business 'under stress'

An article by finance reporter for Elysse Morgan reports on a survey that shows small and medium-sized businesses believe banks, big and small, are making it tougher to do business. The report by accounting firm WHK has found two-thirds of the firms surveyed say accessing money to grow their business is becoming increasingly difficult.

Here at Commercial Lending Pros we continue to provide financing services for business owners, investors and other entrepreneurs throughout the country.  We are direct lenders and also have access to over 150 different funding sources including banks that are lending, hedge funds, private equity groups, insurance companies, private investors and other funding sources including Wall St. investors.

Commercial Lending Pros

Florida Real Estate and Commercial Loans, Inc.

Tel: 863-298-8900

Fax: 863-877-4456

Email: loans@commerciallendingpros.com

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

Your #1 Source For Commercial & Business Financing

Wall St.

funds.

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

Underwriting Standards Eased, SBA Loan Demand Up

Banks continued to ease standards and terms for business loans in the first quarter, according to a Federal Reserve Board survey of senior loan officers. About 25 percent of banks reported increased demand for commercial and industrial loans from large and middle-market firms. About 10 percent reported stronger loan demand from small businesses. More than one-third of the banks surveyed reported increased demand for commercial real estate loans -- the strongest reading since the mid-1990s. . . . keep reading about: SBA Loan Demand Up

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/

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

    

   

Commercial Lending Pros Annouces 100% Medical Financing

Press Release: FOR IMMEDIATE RELEASE: April 7, 2011
Source: CommercialLendingPros.com

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Contact: Tony DeCresie, Director of Commercial and Business Financing

Office: 863-298-8900 Fax: 863-877-4456 Cell: 813-833-3132  Email: loans@commerciallendingpros.com

EXPANSION OF 100% FINANCING PROGRAM FOR MEDICAL PROFESSIONALS

ANNOUNCED COMMERCIALLENDINGPROS.com  

Winter Haven, FL— Tony DeCresie, Director of Commercial and Business Financing for CommercialLendingPros.com, a commercial and business financing website, announced today the expansion of the 100% Medical Financing program for doctors, dentists, veterinarians and other medical professionals.  "Just wanted to let all the medical professionals in on some exciting news; that we've unleashed a new, up to 100%, medical financing product at Commercial Lending Pros that does NOT require commercial real estate! Many medical practice loans get declined due to lack of information and industry knowledge. Our team is trained to extract information from the practice financials and the doctors themselves so we can present information rich loan submissions to our underwriting team." said Mr. DeCresie.  "We understand how critical it is for doctors to be kept up with the progress of their loan request and our agents are trained to keep them informed throughout the process" he continued. The program information is available at http://commerciallendingpros.com/ and provides valuable information on the different financing solutions available to medical professionals including Practice Financing, Acquisition Financing, Debt Consolidation, Expansion – Relocation, Practice Startup, Equipment Financing, Real Estate Financing and Working Capital. There is also a practice sales division for the latest practice listings.

The CommercialLendingPros.com website has a link to a "Quick Commercial Loan Pre-Qual" form that doctors can submit loan scenarios to our medical financing experts.  The revamped website also has links to order credit reports, subscribe to a free newsletter, access free reports, and a link to the new doctor referral program.  The doctor can use the "Referral Partners" link on the website navigation bar to refer colleagues.

CommercialLendingPros.com offers business financing solutions in addition to commercial financing for many types of properties and borrowers. Based in Winter Haven, FL and serving all fifty states for over 5 years, CommercialLendingPros.com is owned and operated by Florida Real Estate and Commercial Loans, Inc., a nationwide affiliate of Commercial Capital Limited, a division of Nexus Financial the leading commercial mortgage house in the country.  Other programs available on the websites in addition to the 100% Medical Professional Financing include:

• SBA 7(a) an d 504 loans
• Merchant Cash Advance loans
• Commercial Real Estate Loans
• Multi-Family / Apartment Building Financing
• Assisted Living Facility Financing
• Triple Net-Single Tenant Financing
• USDA Loans
• Bridge Loans /Hard Money Loans
• Hotel / Motel Financing
• Gas Station / Convenience Store Financing
• Equipment Financing
• Church Real Estate Financing
• Securities Loans and IRA/401K loans

Request for an agent to contact you about a practice loan or call our Practice Financing Division at 863-299-2929 or visit http://commerciallendingpros.com/.

Bill to Aid Small Businesses Advances in Senate

WASHINGTON — The Senate advanced legislation to aid small businesses on Tuesday after months of Republican resistance.
President Obama strongly supports the bill, which would provide loans and tax breaks to small businesses, and its swift enactment seems assured.

Two Republican senators, George V. Voinovich of Ohio and George LeMieux of Florida, joined Democrats in clearing a procedural hurdle for the bill by a vote of 61 to 37. That vote all but assured that the Senate will pass the bill later this week, and the House is expected to then put its final stamp of approval on the measure without delay. Read Full Story

For more information on small business financing please feel free to contact us: 

Commercial Capital Ltd.

Tel: 863-298-8900

Fax: 863-877-4456

Email: loans@commerciallendingpros.com

Website: http://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/

Obama Calls on Congress to Pass Small-Business Legislation

As reported By CNN, President Obama used an appearance at a small business in Washington to again call on Congress to pass small-business legislation that he says will help strengthen the American economy.

The Small Business Jobs and Credit Act is stalled in the Senate.

"It is so important to pass this jobs bill for America's small businesses. That's where most of our jobs are created. And small businesses have been especially hard-hit by the economy," said Obama, speaking at Gelberg Signs. 

 The bill would authorize the creation of a $30 billion lending fund. The Treasury Department would run the program, which would deliver ultra-cheap capital to community banks, defined as those with less than $10 billion in total assets.

Other key components of the bill would provide $12 billion worth of tax relief for small businesses between 2010 and 2020, according to a preliminary estimate from the Joint Committee on Taxation. The bill also would increase Small Business Administration loan limits and extend loan sweeteners through the end of the year.  Full Story

We are SBA loan experts and our underwriters are professionally trained to keep your interest a priority. They are experienced in working with borrowers of all sizes. Thus, they can fund loans anywhere in the country! We can get you the Commercial Loan you need!

Call US Today! 863-298-8900

Commercial Capital Ltd.

Tel: 863-298-8900

Fax: 863-877-4456

Email: loans@commerciallendingpros.com

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

Your #1 Source For Commercial & Business Financing

SMALL BUSINESS LOANS: WE ARE THE EXPERTS YOU NEED TO TALK WITH!

As this presidential campaign comes to its conclusion, we know that both John McCain and Barak Obama are intelligent, decent men but they cannot get you a commercial or business loan!

Small business runs America and we help support small business! Whatever your need, if you are a small business, we may be able to help. Also, WITH RATES AT HISTORICALLY LOW LEVELS and COMMERCIAL OCCUPANCY RATES HIGH there has NEVER been a better time to buy commercial property! We’ve got the money you need. Here is a list of some of our programs:

Unlimited Cash-Out

• Great Rates
• No Pre-Payment Penalty
• Loan Amounts: $ 1mil and up
  

TRUE No-Doc Loans

• No Tax Returns
• No Debt Coverage
• Loan Amounts to $600K

Unsecured Business Lines of Credit

• Get the cash you need
• Must have 700 credit scores
• Must have 2 years in Business

Church Real Estate Financing

• 30-Year Amortizations
• Great Rates
• Non-Recourse!

Commercial SBA Loan Program

• Allows for Business & Real Estate
• Only 10% down
• Can Finance in Working Capital

No Pre-PaymentPenalty Loans

• Up to $600K
• Allows You to Refinance
• Has Excellent Rates

Most commercial loans are based on the prime rate. Since the prime rate is declining, there has never been a better time to invest, so give us a call at: 863-298-8900 and speak to one of our small business specialists. You will find them helpful, knowledgeable and ready to serve! Or visit: http://commerciallendingpros.com.

To fill-out a quick loan scenario Pre-Qualification form visit http://www.business-loan-pro.com/irw/article.php?cid=33361&ctry=US&arid=554&auto=lender@business-loan-pro.com

SBA Loans, 100% Commercial Loans, Unsecured Business Lines of Credit, Blanket Loans

You typically DO need experience in a business if you are applying for an SBA business loan. For example, if you were applying for an SBA loan to purchase or start a manufacturing business, you’d have to show that you have the experience to run that type of business to get approved.

You also need 2 years minimum of business operations to apply for an Unsecured Business Line of Credit and for our 100% Commercial Loans for expanding businesses.

But for financing of commercial real estate there is no minimum length of time you have to be in any particular type of business. You do not have to currently own a corporation or an LLC. You could purchase an apartment building or office building or strip center without ever having owned one of those types of properties as long as the income from the property was more than enough to cover the projected debt from the new financing.

And coincidentally, we are one of the few places you’ll find in the country that can provide you with a “blanket” mortgage covering 5 or more residential and/or commercial properties. So we’d love to talk to you about how we might be able to assist you with refinancing some of those properties and replacing a whole lot of little mortgages with one or two big ones and under much better terms. Or to help you purchase a group of individual properties with one loan.

Please send us your package to take a look at or click below for to get a Quick response to your Commercial Loan Scenario. Simply provide us with some VERY BASIC information and we'll email you a pre-approval:


Regards,.

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

Get All 3 FICO Scores and Credit Reports .

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.

The Hottest Business Loan on the Planet!

Whenever you have a product that no one else has, it really gives you an edge in the marketplace. Well, we are rolling out another one that is going to be a boon to your marketing to business owners. It is an 85% consolidation loan! 85%!

This loan can be used to refinance out of an SBA loan – it is NOT an SBA product. It can be used to pay off business debts. IT CAN BE USED TO BUY OUT A PARTNER! The only stipulation on the money is that it MUST be allocated somewhere; you just can’t pull out cash. The rates on this loan will compete straight up with SBA; right now this deal is in the low 6’s! And for purchases, we can take this NON-SBA Loan up to 90%. 90% LTV, rates in the low 6’s on a 25-year amortization and NO SBA hassles. Sweet!

The deal is a full doc deal; the business must occupy 25% of the building – much better than SBA’s 51%. This is another HOT niche about this product. With this product, you can go owner occupied when a business is occupying say 30% of it. Anywhere else that becomes an investor loan. Another SWEET caveat in this loan. Lehman Brothers used to do that, but of course, not anymore. And possibly the best part, Debt Service Coverage can go as low as 1:1 and we will base that off of 2007 and FY 2008. WOW! This will help you close more commercial. This can be the deal that rallies your commercial volume. This deal is HOT!

Tony DeCresie
Your #1 Source for Commercial & Business Financing
Office: 863-298-8900 or 813-833-3132
www.CommercialLendingPros.com

Click Below to fill-out a quick loan scenario Pre-Qualification 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

WE SPECIALIZE IN SMALL BUSINESS FINANCING: 100% Commercial Loans

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

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
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 Financing - 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 another deal because of financing without running it by us first.


Thanks.

Tony DeCresie
Your #1 Source for Commercial & Business Financing
Office: 863-298-8900 eFax: 863-877-4456 Cell: 813-833-3132
www.CommercialLendingPros.com

Commercial Financing and Business Loan Answers

Q: I am looking for funding for a number of projects. Is your funding credit based? Is a substantial financial statement necessary?

A: Some of our programs are credit based, some are not. And some programs require full documentation of income and assets where a strong financial statement is beneficial or required and some do not require any verification of income or assets by the borrower(s).

We look at each property, business and/or individual borrower on a case-by-case basis. We look at what we have to work with and determine what the best options are from there.

If you’d like us to take a closer look at a specific funding scenario for you (or several), we’d be more than happy to identify what the specific funding options and requirements would be for those scenarios. We have 100% Commercial Loans still available.

We’re not bankers. So you won’t have to complete a 5 inch thick application package before some bank committee turns down your loan application.

We’re not Mortgage Brokers. So we don’t care if your existing business or the business you’re trying to buy has real estate or not.

Here at Commercial Capital, we ARE the ONLY ones you need to be talking to the next time you need money to expand your existing business or to purchase a new one.And with over $1 BILLION in business loans in our pipeline right now – we’re the single largest independent suppliers of money for business loans in the country. If the business you own or the business you’re buying is profitable – we’ve got the cash you need. Visit us today at http://CommercialLendingPros.com

We’ve got the money you need. Contact us: Call 863-298-8900 or 813-833-3132