Commercial Loans...Options For Today

It's important to know how to differentiate between who is safe, and who is not, including the Principles of various projects that are funded. Everything, and everyone is under major scrutiny, and Fraud activity is still a very current issue.

All Borrowers are now checked out very thoroughly, as opposed to before when it was fairly easy to finance things. If there is anything questionable in ones back ground, the International Banking Firm would not be the place to go. They investigate everyone, and everything before they release $50 MIllion, $100 MIllion Dollars to someone. You absolutely must have all your ducks in a row, and be ready to move forward.

Another very bad thing to avoid is "Shopping" a Project. It demonstrates mis-management, and is not looked upon favorably by any lender. If you've given your Project to a Broker, I can guarantee it's been shopped.

Beware of scams, Up Front Fee's that go into someones pocket, as opposed to being put towards Due Diligence.

Expect Cost involved once the project is approved, ranging from $80k-$125K approx. (If you're applying for the 100% Funding). A "Proof Of Funds Statement is required.

Things in the Lending industry have drastically changed, and it's not limited to the US either. It's spread far, and wide. Getting situated, and being more prepared for what is to come in our Financial Industry is the most logical approach now.

If you're Self Employed, and show nothing on the books, you may want to consider re organizing into a Corporation, showing you get a Salary. That's considered Verifiable Income, and can get you a better Rate on Loans, and qualify for more types of loans.

The Self Employed, are really left out in the cold here. They are the ones who will have the most difficulty qualifying for various types of lending. I have been seeing more loans shot down, than being funded. It demonstrates that we need to revamp things, and resituate ourselves so we can keep the Economic Flow going in the US, and abroad.

This is Nationwide/International Financing for any amount. By Experienced Bankers, who care greatly about their reputations, and their Clients reputations. Between the Group of Bankers, we have well over 100 years of experience combined. 26 of those years are my personal hands on experience.

I currently work for a Bank, and with an International Banking Law Firm. They have my Picture, Resume, complete back ground check, and probably a copy of my NYS Realtor License on File, which you are also finger printed for. I am a Banker/Broker. Meaning I work for a Bank, and with an International Bank with the ability to Broker to other Banks.

Unlike a Broker, who mainly forwards loan packages to a variety of lenders, not knowing in advance what the outcome will be. They are not a direct Bank.

When I receive a Loan Package, It is reviewed In House at whichever Firm applies. The international Banking firm handles $10 Million and up. The smaller Bank will Fund up to $6 Million, plus we have a host of Private Banking lenders, who cover the in between.

Please feel free to post your comments on your current needs, or situation. Also feel free to inquire about Funding you need for a project.

New Lending Programs I've Just Been Informed About!

• SBA Programs
• Equipment Leasing
• Accounts Receivable Financinng
• Specialty Truck Financing
• Church Financing Programs
• Medical Capital
• Working Capital Loans
• Commercial Bridge Loans
• Debt Restructuring Loans
• Business Acquisition Financing

The Time Frames:

• Approval on many programs in 24 hours
• Application only up to $150,000 on Equipment Leasing
• Accounts Receivable funding in 3-5 days
• Specialty Medical Financing Program
• Specialty Restaurant Credit Card Financing Program
• Good Credit Bad Credit...We have programs to get you the financing you need

This is a third Bank that I currently work with for smaller Commercial Loans

Please feel free to email me about your needs: 100projectfund@gmail.com

^{NO INTEREST STRUCTURED COLLATERAL LOAN PROGRAM}

^{Commonly known as CD Program:}

^{The "No Interest Structured Collateral Loan Program", commonly called the "CD Program", is an established system of structured financing that uses traditional banking mechanisms as its fundamental components. The result is a stable structure that procures 100% monetary instrument collateral for international project financing. Using a well calculated and balanced approach, the program provides highly competitive benefits and profits to all participants.}

^{Before an initial introduction to the Master Broker, the project must meet the following requirements:}

^{•· 10+ Million}

^{•· 25%+ profit margin}

^{•· Strong resume supporting the individual(s) doing the project}

^{Documents needed before submitting your project to the Structured Finance or CDO Program. We need all of the following in the order listed on one PDF document (No 50 Page Plus Documents, No Exception)}

^{•· Executive Summary (up to 10 pages)}

^{•· Precise Use of Proceeds (up to 10 pages)}

^{•· Pro Forma - with all debt service removed. Note: Brokers make sure all commissions are included in the soft costs. (Up to 10 pages)}

^{•· Strong resume supporting the individual(s) doing the project (up to 5 pages)}

^{•· Current financials on the project (cash injection or capital infusion on the project, is the land owned outright, etc.)}

^{•· Proof of Funds (POF) or Letter from their Bank showing Proceeds, even a computer generated online just block-out the account number for Due Diligence, Audit Company and etc}

^{Once the above items are gathered (Fee Agreement, Business Plan, Proof of Funds Letter and the completed Application) the package will be forwarded. The Program Manager will review the Business Plan, Application and verify the Proof of Funds.}

^{This process usually takes 5 - 14 days. Lender will issue Term Sheet/Commitment, borrow will then send in the Due Diligence fee of $55,000 only after the commitment is issued.}

^{Brokers/Consultants make sure that in the Soft Cost your fees should be included already. Program does not pay rebates or commission to you. All expense occurred are included at COE.}

^{The CD Program works Like this:}

^{•· Loan Sizes: $10 Million to $2 Billion (Above 2 Billion Will be on a case by case basis)}

^{•· Loan Amount is 107% of the requested loan amount (7% covers closing costs)}

^{•· Example: Loan request is $10M x 107% = $10.7M. The actual loan amount is $10.7M. This amount is what the interest payments are based on.}

^{•· Interest is paid over a 10 year based on the actual loan amount}

^{•· Interest is Libor plus 1 - 2% (Average rate of interest is 6.5%)}

^{•· Upto 15% Equity Participation}

^{•· Closing time is 90 to 120 days, could be shorter}

^{•· All types of projects are eligible}

^{•· Non-Recourse Loan}

^{•· For "Construction Loans" and other projects that require a long start-up period before launching, deferments are standard, ranging from 1.5 to 3 years. During the period of deferment, the Borrower/Company does not have to pay any interest or minimum payments. While most projects are capable of repaying the loan (of any amount) in full within 3-4 years after launching, the standard practice is to loan for 10 years.}

^{•· No penalties for early pre-payment at any stage.}

^{•· Principal is Self-Liquidating This is an interest only loan}

^{MULTI-FAMILY APARTMENT BUILDINGS}

^{WE HAVE NOC DOC OPTION:}

^{NO TAX RETURNS}

^{NO PROOF OF LIQUIDITY}

^{NO 2-3 YEAR STATEMENTS}

^{NO PHASE 1 & 2 REPORTS}

^{FULL DOC OPTION ALSO AVAILABLE}

^{OTHER ELIGIBLE PROPERTIES:}

^{UNBRANDED MOTELS}

^{AUTOMOTIVE REPAIR}

^{USED CAR LOT}

^{ROOMING HOUSE (SRO)}

^RESTAURANT

^{FUNERAL HOME}

^{MOBILE HOME PARK}

^FACTORY

^WAREHOUSE

^{SELF STORAGE}

^{BOWLING ALLEY}

^{MIXED USE/MULTI-FAMILY}

^GARAGES

^{BOAT STORAGE FACILITY}

^LAUNDROMAT

^{DRY CLEANERS}

^{RV/MOBILE PARKS}

^{OTHER NICHES:}

^{BRIDGE LOANS}

^{MEZZANINE FINANCING}

^{PARTNER BUY-OUTS}

^{NEW DEVELOPMENT/CONSTRUCTION}

^{LAND, DEVELOPMENT SITES}

^RENOVATIONS

^{GOLF COURSE/RESORTS}

^{CHURCH LOANS}

^{AND OTHER UNIQUE PROPERTIES}

^{GAS STATION}

^{STATED LOAN: MEANS NO TAX DOCUMENTS, 1040s, P&Ls, INCOME STATEMENTS ARE NOT REQUIRED}

^{ASSETS: NOT VERIFIED PERSONAL AND CORPORATE INCOME: NOT VERIFIED}

^{GAS STATION MORTGAGE LOAN: APPRAISAL AS "IMPROVED LAND DEAL" ONLY. NO VALUE GIVEN TO "GOING CONCERN", "GOODWILL", OR GALLONS PER MONTH PUMPED.}

^{PHASE 1 ENVIRONMENTAL REPORT MAY BE WAIVED ON NEWER STATIONS.}

^{GAS STATIONS LESS THAN 10 YEARS OLD: PHASE 1 REPORT MAY NOT BE REQUIRED}

^{GAS STATIONS OLDER THAN 10 YEARS OLD: PHASE 1 REPORT WILL BE NEEDED}

^{AUTOMOTIVE REPAIR}

^{575 MINIMUM FICO}

^{NO PHASE 1 ENVIRONMENTAL REPORTS ON MOST PROPERTES/DEALS}

^{We Finance Unique, Difficult and Hard to Finance Commercial Properties (Stated Income/Stated}

^{Asset Documentation)}

^{We close mortgages on properties that have been turned down by bank lenders or are unlikely to be closed by banks. Many of our loans are refinances of Hard Money Loans or Seller Finances Loans.}

^{We offer quick closings without delay, many loans have closed in 30 days or less.}

^{We close loans on automotive and gas station properties.}

^{SBA PRODUCTS}

^{COMMERCIAL REAL ESTATE FINANCING}

^{TERMS UP TO 25 YEARS}

^{CONVENTIONAL AND SBA LOANS AVAILABLE}

^{CONSTRUCTION FINANCING}

^{UP TO 90 FINANCING}

^{TERMS UP TO 25 YEARS}

^{SINGLE LOAN CLOSING FOR CONSTRUCTION AND PERMANENT LOANS}

^{MONTHLY SITE INSPECTIONS TO ENSURE PROJECTS REMAIN ON TRACK}

^{FRANCHISE FINANCING}

^{UP TO 85% FINANCING ON START-UPS AND ACQUISITIONS}

^{TERMS UP TO 10 YEARS; 25 YEARS WITH REAL ESTATE}

^{NO MINIMUM COLLATERAL REQUIREMENTS ON START-UP LOANS UP TO $500,000}

^{NO MINIMUM COLLATERAL REQUIREMENTS ON ACQUISITIONS UP TO $1,500,000}

^{CONVENTIONAL REAL ESTATE LOANS AVAILABLE}

^{NO MANAGEMENT EXPERIENCE REQUIRED}

^{MEDICAL PRACTICE FINANCING}

^{UP TO 100% FINANCING}

^{TERMS UP TO 10 YEARS; 25 YEARS WITH REAL ESTATE}

^{NO MINIMUM COLLATERAL REQUIREMENTS ON START-UP LOANS UP TO $500,000}

^{NO MINIMUM COLLATERAL REQUIREMENTS ON ACQUISITIONS UP TO $1,500,000}

^{CONVENTIONAL REAL ESTATE LOANS AVAILABLE}

^{TWO YEARS WORKING IN PROFESSION REQUIRED FOR MDs AND VETS, SIX MONTHS EXPERIENCE FOR DENTISTS}

^{BUSINESS ACQUISITION FINANCING}

^{UP TO 85% FINANCING FOR OUTSIDE BUYER}

^{UP TO 100% FINANCING IF PARTNER/SHAREHOLDER BUYER}

^{NO MINIMUM COLLATERAL REQUIREMENTS ON LOANS UP TO $1,000,000 INDUSTRY EXPERIENCE REQUIRED}

Commercial Financing!

• 100% Commercial Financing for Qualified Projects -$10M minimum-NO JV Partner, Interest Only - No Principle Payments National/International
• 100% Sale Leaseback Options
• Conventional Commercial Loans at Bank or Better Rates
• Hard Money Loans
• Bridge Loans
• Land/Construction Financing
• 30 Year Amortizations
• Cash out refinances up to 100% LTV
• 100% Funding of Contracts - $10M min
• No Income Verification Loans and Stated Income Commercial Financing
• We buy and sell all types of REO packages
• All Property Types and Projects
• Trust Management programs starting at $1M

WE offer solutions to commercial financing needs that are often unavailable to banks or traditional commercial channels. Even if you have financing in place with another source, we'd love the opportunity to review your project and suggest all options. Some of our niche specialties are below:

• Acquisition, Development and Construction at up to 90% Loan-to-Cost
• Sale-Leaseback at up to 100% Loan-to-Value -$2M minumum
• Equity Partnering that is integrated with your debt structuring from $50M and up
• Build To Suit for franchises, flagged hospitality, and other project types
• Hard Money for those who need to bridge the gap at the best hard money terms around