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clscause.com There are thousands of commercial lending sources in the Southeast. Only a few focus exclusively on commercial transactions. Why is specializing in commercial lending important? All our energy at CLS is devoted to understanding the borrowers aspirations (cause) and aligning with the optimum lender. We creatively work both sides of the equation as the deal must be win for all parties. We do one thing well: bring commercial deals to the closing table. Through a 10-Step process principled in educational and ethics, we have perfected the system to achieve predictable results. Commercial Lending Solutions is unique in the commercial lending industry because of our exclusive service to borrower and lender called PROPEL. Defined as Progressive Review and Opportunity Proposal for Excellence in Lending, this document builds the business case for qualified borrowers to gain acceptance of optimum lenders. Some brokers may offer an executive summary, but the affect is not very compelling. Our propriety service is propelling, increasing the likelihood of closing with the most favorable terms. Brand PromiseWe first understand your cause, then invest in it. We make a propelling case for the optimum lender, advancing your deal to closing table.
There is an estimated 5.2 million commercial properties within the UK. The commercial property market expanded by over 32 per cent during 1990-2000 (according to the new products started) compared with the previous decade, in itself a decade of exceptional growth. Bank lending for commercial property deals rose by a record £7.7 billion in the first quarter of 2005, according to data provided by the Bank of England, and property experts believe the bulk of the new lending was for investment purchases.
There has also been a substantial rise in the number of investors looking to buy commercial properties to put into Self Invested Personal Pension Schemes. Property investment funds received a boost as of late last year after the Government announced plans to allow them to be included in an ISA (Individual Savings Account) wrapper.
Savers will now be able to add investments, such as property funds and funds of funds, that have previously been restricted from being included in ISA’s because the asset class did not feature on a European standard of eligible investments and commercial property funds are seemingly the greatest beneficiary of the rule change.
With this diversified interest in commercial property by investor, speculator and businesses alike the role of the broker has become a more integral part of the process. Increasing numbers of mortgage brokers have branched out into non regulated markets such as the commercial loan sector since Mortgage Day in late 2004 and subsequent involvement by the Financial Services Authority, interestingly 58 per cent of mortgage brokers claim profits are down since Mortgage Day.
Commercial lending is now not the preserve of the high street banks who, in the past, have not only seemed to cherry pick but have also had a tendency to only lend to their existing business customers. The result was that there are now over 1,200 commercial lenders currently operating within the UK.
The competitive market for commercial lending has also been confirmed by the rates available. There are also many other flexible options such as rolled up interest (No interest payments) for the first year to help with cash flow, start up finance, business expansion finance or even for finance on low yield investment properties.
Lenders will typically lend up to 80 per cent loan to value but 100% is achievable with additional security. Three years audited accounts are also now not the normal requirement as self certification of income has also found its way into commercial lending. Adverse credit clients are now considered and in the majority of cases loans approved. However self certification and bad credit applicants can expect a loading on the rate of typically between 1 to 4 per cent.
A cross section of business funding is available to retail businesses such as convenience stores, fast food outlets, specialist shops and supermarkets. Investment properties, professional practices such as accountants, doctors, vets and solicitors. Property development including speculative or pre-let for both commercial and residential. Offices and factories along with the health care sector including nursing homes, residential care and special needs homes. The leisure market has also been seen as the main stay for commercial lending over many years embracing hotels, guest houses, cafes, restaurants, wine bars and pubs.
Although latterly pubs have often sought brewery loans as a traditional way of borrowing money in the trade often referred to as Advance of Discount (AOD) or “Write Off” loans, the interest rates seem favourable at significant discounts over the banks but barrelage discount is affected and the repayment terms are often shorter over 10 years.
Lending on leasehold is also available up to 65 per cent on the security property (often the applicants main residence). With many businesses failing in the first year and business failure rates up 13 per cent in the first quarter of 2006 applicants must carefully consider whether they should be securing their main residence against the lease.
To calculate monthly charges use one of our many custom built calculators. Commercial loan applications, for both single and joint applicants, are processed on our own dedicated secure server.
Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators. Commercial loans are available to 100% with additional security along with non status and self certification lending, for more information, go to http://www.mortgage-loan-uk.net/commercial_loan.htm
A commercial lender provides services to businesses, especially loans for items such as business equipment, investment property, and inventory. Commercial loans are backed by collateral. The collateral can be real estate, inventory, and a variety of other assets.
At HSH Associates Financial Publishers website, a complete listing of all commercial lenders throughout the United States can be accessed. This information includes names, locations, and in most cases a direct link to that particular lender for further information.
Commercial loans differ from most types of loans because each application is evaluated on a case by case basis. The person requesting the loan has to sell the lender on the fact that they endeavor will be profitable. However, every commercial loan is reviewed for credit worthiness, the value of the collateral, debt ratio, and property analysis.
Two debt ratios are used to analyze the personal budget of a loan applicant, top debt ratio and bottom debt ratio. Top debt ratio is the persons monthly housing expenses divided by their gross income. Bottom debt ratio is total housing expenses + debt payments divided by gross income. Top debt ratio should not be more than 25%; bottom debt ratio should not be more than 33 1/3%. If the ratios are more, the loan will either by denied or approved with a higher interest rate.
For small businesses, you might consider looking into a loan from the Small Business Association. The have Small Business Development Centers throughout the United States. The centers will assist you with all the paper work and answer all of your questions at no cost. After all the documentation is submitted, you will have an answer within 10 working days. Generally, you will have a slightly higher interest rate, but it will be worth it if you qualify under their guidelines.
Investing in commercial property or small business is an exciting venture. Understand commercial lending issues and basic requirements will help you get the best financing for your endeavors. The Small Business Development Centers offer you excellent service including financial counseling at no charge. You can find a center near you by logging onto their website.
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The Philippines has stepped out of India’s shade to become a competitive KPO and BPO destination. To the Philippines, you reduce and control your operating costs, get access to world-class capacities and maximize your productivity. The Filipino workforce is one of the most forcing benefits the Philippines has over any other Asian country. Sited at the crossroads of the eastern and western business, it is an imperative entry point to over five hundred million folks in the ASEAN market and a gateway of world shipping and air lanes suited for ECU and Yank companies. Discover the best of sun, sea, sand and style in the tropical setting plentiful with the best of western comforts. The 7,100 islands boast of good-looking beaches and amazing sceneries that offer relaxing leisure and relaxation spots for vacationers and visitors. Foreign companies that are now outsourcing programming and business processes to the Philippines guess thirty to 40% business cost benefits, fifteen to 30 % call center services and application systems and 35 to 50 p.c software development. An open economy permits one hundred % foreign possession in just about all areas and supports a Build-Operate-Transfer ( BOT ) investment scheme that other Asian states copy.
Inducement packages include the company tax, reduced to a current 32%, with firms in the Special Commercial Areas are reliant on only 5 computer overall tax levels.
Multinationals attempting to find regional HQ have entitlement to inducements like tax exemptions and tax and duty-free importation of precise kit and materials.
The Philippines has augmented and primed up numerous areas for speculators and offers a dynamic buyer market used to an array of product selections manufactured by a competitive domestic economy.
Quicktech Web Solutions is a Business Process Outsourcing compamy.We are supported by the philippine Goverment,thus you can be assured of quality and security in the transaction greatly!
Eroding fundamentals in commercial real estate and the values were down to 30% to 50% results to people cannot afford to sell the properties and the buyers were having a problem to pay for its price. (Taking Stock)
Sooryam Properties, India is one of the preeminent Property Consultants, Residential and Commercial Property Dealers of India, in India. We have always endeavored not to disappoint the trust that has been put in us by our business partners. Thanks to a resolute and professional approach, we are proud of having built up a very high reputation in the local property market of India. We believe – and experience has taught us – that all co-operations must be based on a trustworthy relationship between both parties from the very beginning in order for it to satisfy both sides. Our experience has helped us grow from strength to strength only to become the most trusted real estate consultants, residential and commercial property dealers and realtors in India.
Sooryam Properties, India is involved in wide spectra of services in real estate and property dealing related services and assure you to provide the best of all at competitive prices. We provide services such as sale and purchase and renting of residential and commercial properties of all categories.
Property Services in India by Sooryam Properties:
Real Estate Consultants Sell/ Purchase of Farmland in Delhi Sell/ Purchase of Residential Property in Delhi Sell/ Purchase of Commercial Property in Delhi Sell/ Purchase of BPO/Call Centre in Delhi Sell/ Purchase of Service Apartments in Delhi Sell/ Purchase of Plots in HUDA Sectors Delhi Sell/ Purchase of Flats in Delhi
Our main Motto is maximizing the Customer’s Satisfaction. We always ensure that the deal is genuine and hence we are known in the city for making fair deals. As we are a well-established and highly experienced Real Estate Consultant, Residential Property Dealer and Real Estate Agent, you can always trust us for speedy transactions and proper documentation. We remain true to our founding values of quality honesty and hard work. We maintain the highest ethical standards in the industry. We are proactive in finding solutions for our clients that best achieve their goals. Lasting relationships are the lifeblood of our business. We want the client to feel that our staff is even more committed to the effort than their own staff…that’s what distinguishes us.
The apartments on the first floor often offered as a potential opportunity to translate it into non-residential fund and use the office or shop. How to approach this issue in terms of marketing planning.
Any whether flat on the ground floor suitable for use by commercial real estate? Consider this question in the case of real estate Kharkov.
For commercial increasingly used 2, 3-bedroom apartment. apartments, an area of 50 m2. In such facilities may be located offices (as for the large number of visitors, and «quiet»), shops, business services (hairdressing, dry cleaning, etc.).
To measure the consistency of the property commercial passenger measure (the number of people passing by the property / day), the level of proximity to major transport hubs. Also provide the level of business activity area (the availability of administrative, office buildings, other commercial real estate).
Also the level of urban migration (migration is low, as a sleeping area and past the property taking place every day, residents of one area, the high – at the center when passing of the property may be people from all parts of the city, visitors).
For the office Commercial real estate broker
For client offices the most important factor is the proximity to the center (where the maximum level of business activity). For «quiet» offices, which do not involve a large number of visitors per day, the main factor is the availability of transport. However, the area should have a high level of business activity. (Areas near subway stations: «M. Zhukov», «Moskovsky Prospect», «them. Maselskogo A.», «Ak.Pavlova», «Student», «23 August», «Botanical Garden», «Square uprising») . Also, if the activity is related to the production or brokering, the office can be located in the industrial zone of the city. Here is the main factor is the proximity of production or a large warehouse, proximity to the subway is a secondary factor, but should be comfortable car door.
For commercial real estate sale and facilities services.
Stores high-price goods group, clothing stores, luxury items, are located in the center, where a large number of people with high incomes, as well as the day goes a lot of people, and high levels of urban migration.
For non-food shops, clothing stores, salons, which are not located in the center, a factor proximity to the subway or to the central commercial facility is central.
Comparison shopping website for Commercial Real Estate Sale. Get free Commercial Real Estate quote for all other types of Commercial real estate in all states. We are not an Commercial Real Estate provider, but we are dedicated to helping consumers find the most affordable and competitive auto Commercial Real Estate quotes on the web by Pro Bargain Hunter.