July, 2011 - Part 2

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New Commercial Finance Lending Sources for Business Financing

July 23, 2011 | Author admin

New Commercial Finance Lending Sources for Business Financing

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Home Page > Finance > New Commercial Finance Lending Sources for Business Financing

New Commercial Finance Lending Sources for Business Financing

Posted: Jul 28, 2009 | Views: 104 |

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Although banks and other business lenders have made a pointed effort to portray themselves as lending normally, very few business owners are likely to suggest that there is anything normal about obtaining financing from current commercial finance programs. It has become a routine occurrence for small business owners to be told by their current commercial lender that it will be necessary to seek another source for commercial loans and working capital.

I published several earlier articles which addressed some of the problems that commercial borrowers are experiencing when they attempt to obtain working capital financing and commercial loans. It has become clear that current commercial lending conditions have become even more difficult for most business owners. For example, one of these commercial finance reports described the unfortunate possibility of firing your banker as one of several guerrilla financing techniques that might be required for a small business to survive in the face of extreme business banking conditions.

It would not be realistic to suggest that there are one or two obvious business lending sources that will solve the working capital needs for all businesses in need of help. Nevertheless I would not advocate the guerrilla financing tactic of firing your bank and your banker if there were not suitable alternative sources for small business financing.

Identifying the most likely alternatives can be accomplished in several ways but one of the most effective approaches will include detailed discussions with commercial loans experts that are experienced in nationwide business financing similar to what the business owner currently needs. Realistically the search for new commercial lending sources must start with an admission from a small business owner that they do in fact need to find a new source for business loans.

The best commercial finance solutions will depend on the business location, type of financing, kind of business, operating history and size of loan desired. A key point for business owners to remember is that there really are a number of viable and effective commercial lenders that are currently active in making commercial loans to businesses that are in desperate need of commercial financing. Some of the most realistic sources for small business loans are operating regionally rather than nationally.

In addition to the advice contained in this article, small business owners should review commercial finance resources such as The Working Capital Management Guide, a free online publication which focuses on short term capital financing strategies. Commercial borrowers should also have a candid discussion with a commercial loan expert who is capable of providing appropriate help for their unique business financing needs.

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Stephen Bush –
About the Author:

Stephen Bush and AEX Commercial Financing Group provide small business financing for working capital loans, business cash advances and commercial real estate financing throughout the United States.

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commercial finance, business financing, working capital, finance, loans, mortgages, business

Athas Capital's way of Hard Money!

July 23, 2011 | Author admin

Loan Broker who has been givin the run around by another company claimng to be a direct lender comes to Athas Capital Group for help. The broker realizes they should have come to Athas Capital from the get go.

Posted in Commercial Real Estate Misc. | Tags: Athas, Capital's, Hard, money | No Comments »

Dominion Lending Centres Clearlease Understanding Your Credit Report

July 23, 2011 | Author admin

Equipment Vendor Leasing,Vendor Finance,Vendor Equipment Leasing Programs,Photography Equipment Leasing,Post Production Equipment Leasing,Equipment Leasing Finance,Commercial Leasing,Equipment Lease Calculator,Equipment Leasing Quote,Renewable Energy Equipment Leasing,Business Equipment Lease,Mor…

Posted in Commercial Real Estate Misc. | Tags: Centres, Clearlease, Credit, Dominion, lending, Report, Understanding | No Comments »

Commercial Real Estate Loan – Have Smooth Access to Property

July 18, 2011 | Author admin

Commercial Real Estate Loan â Have Smooth Access to Property

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Home Page > Finance > Loans > Commercial Real Estate Loan â Have Smooth Access to Property

Commercial Real Estate Loan â Have Smooth Access to Property

Posted: Jul 30, 2007 |Comments: 0
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Are you in search of a suitable loan offer for buying a commercial property for advancing your business interests? Well, you can locate Commercial Real Estate Loan that is especially meant for enabling in purchasing property for commercial purposes. Commercial real estate loan play a crucial role in providing finance for any companyâs growth and expansion.

You can avail commercial real estate loans for any type of commercial property such as shopping centers, apartments, motels, hotels, automobile dealerships, office buildings or health care facilities, manufacturing facilities and so on. And even if you are not using the loan money for buying property, you are free to use it for refinancing existing debt.

Commercial real estate loan are categorized under short term and long term loans. Short term commercial real estate loan is avail mostly for running the business smoothly without facing any financial shortage. Such a loan is usually called as a bridging loan also. Long term commercial real estate loan are availed for larger repaying duration and typically last till the life of commercial real estate property.

For accessing commercial real estate loan you are required to pledge any commercial property as collateral. The loan amount depends on the value of the property. You can thus borrow any greater amount ranging up to millions of dollars for buying a commercial property. As far as the interest rate is concerned you can avail the loan at fixed rate for long term. You can repay the loan in 30 years.

Search internet well and you can locate lenders providing commercial real estate loans. But compare them for interest rates and terms-conditions before settling for one suitable lender. Go through the lenderâs conditions regarding the loan carefully.

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Tim Kelly –
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Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. She is currently working with Commercialrealestate as a financial advisor. To find commercial real estate loan, commercial real estate loans, commercial real estate loan rate, commercial real estate loan major, commercial small real estate loan visit http://www.commercialrealestateloan.co.uk/

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Commercial Real Estate Sale San Juan Puerto Rico Venta Propiedad Comercial

July 18, 2011 | Author admin

www.PropertiesInPuertoRico.com San Juan / Rio Piedras- This is a commercial property located in a retail and high density residential area. The building is located off state road #3 and in a moderate traffic area. The property is a great opportunity for warehouse use, corporate office or wholesale business. It can be used as storage facility or business opportunity. The property is secured fenced and ready to move in. Two large bay doors one on the first floor and another on the second. Has a conference room on the first floor and a large conference room on the second floor. This building is currently being used as a combination office and storage operation. There is a total of 5018 square feet construction on a lot size of 794.34 square meters. Zoned R-3 which could be used as a commercial or high density residential property. Convert back to multi-family or small rental complex. Enough space for 10 vehicles or 8 trucks. For more details and information please contact listing broker Katherine Figueroa at 787-289-7808. See more commercial properties in Puerto Rico @ PropertiesInPuertoRico.com

Posted in Commercial Real Estate Misc. | Tags: Comercial, commercial, estate, Juan, Propiedad, Puerto, real, Rico, Sale, Venta | No Comments »

No Commercial Real Estate "Fire Sale" Soon – Vivek Seth of Raymond James at REITWorld

July 18, 2011 | Author admin

www.reit.com Those anticipating a “fire sale” of distressed assets in the commercial real estate market may have to keep on waiting, according to Vivek Seth, managing director and head of the Raymond James Real Estate Investment Banking Group. In a video interview with REIT.com at REITWorld 2010 NAREIT’s Annual Convention for All Things REIT at the Waldorf=Astoria Hotel in New York, Seth said the federal regulatory system isn’t pushing owners of distressed assets to immediately unload their holdings. “There’s an orderly liquidation underway for those who need to get out,” he said. Additionally, buyers are chasing “quality” assets, according to Seth. As a result, demand for distressed situations remains weak. “Large center city properties, well-located assets — for those, there’s a very viable market in all sectors today,” Seth said. “Until that whole space clears out, I don’t think we necessarily have to deal with the distressed real estate in a fire sale fashion.” Looking ahead, Seth noted that the commercial real estate market will likely need an equity injection of nearly $1 trillion in the coming decade. As a result, the market for initial public offerings for REITs will heat up in “fits and starts,” he speculated. “In the long term, the IPO markets are going to play a very useful role in re-capitalizing the sector,” he said. Seth pointed out that valuations in the public and private markets for commercial real estate portfolios are relatively close. The requisite …

Posted in Commercial Real Estate Misc. | Tags: commercial, estate, Fire, James, Raymond, real, REITWorld, Sale, Seth, Soon, Vivek | No Comments »

K. Hovnanian Homes focuses on greener homes, new communities

July 18, 2011 | Author admin

HNIs high on commercial real estate
The super rich in India are not just buying trophy homes, but they also betting their money on pre-leased commercial properties offering good rental yields.

Commercial Real Estate Loans – Overcoming Rejections

July 8, 2011 | Author admin

Commercial Real Estate Loans – Overcoming Rejections

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Home Page > Finance > Commercial Real Estate Loans – Overcoming Rejections

Commercial Real Estate Loans – Overcoming Rejections

Posted: Feb 13, 2008 |Comments: 0
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One of the most frustrating and confusing situations for a business owner occurs when lenders disapprove commercial real estate loans. Since rejected business loans are quite common, it is advisable for commercial borrowers to have a contingency plan in place for commercial loans.

Business owners are likely to be distressed when a commercial loan application is turned down and will be unsure as to why it took place and how to avoid a similar problem again. For each of the five primary reasons that a commercial lender might decline commercial real estate loans, a practical solution is suggested for transforming the rejected commercial funding into approved business loans.

Two reasons (tax returns and business plan requirements) could impact virtually all commercial loans. Many loan officers will begin their review of potential commercial real estate loans by stating “We will need to see at least three years of tax returns” and “Can you show me your business plan?” before proceeding.

Small business mortgage requests are sometimes too unique for a traditional commercial lender. In these situations (even if a business owner has an adequate business plan and favorable tax returns), it is not unusual for commercial borrowers to be declined for business loans by a traditional commercial bank.

The reasons provided below do not represent obscure issues. It is likely that two or three of the reasons described will be important for typical commercial real estate loans.

(1) Commercial Real Estate That is Used for Special Purposes. Reason number one for business loan rejections is that the lender does not make commercial mortgage loans for the type of business involved. In a typical example, fewer commercial banks are offering financing for bar and restaurant properties. In a similar fashion, an auto service business is often given expensive and unnecessary environmental stipulations. There are many special purpose commercial properties such as campgrounds, churches, funeral homes and gas stations that most traditional lenders have eliminated from their commercial lending program.

Strategy number one for converting the disapproved business loan into an approved commercial mortgage loan is realizing that there are reasonable options beyond traditional commercial lenders. There are capable lenders that are interested in special purpose properties. The best loan might be available only from a non-traditional commercial lender when traditional banks won’t make the requested commercial loan.

(2) Tax Returns. Reason number two for commercial loan disapprovals is when loan officers find a problem on an income tax return that disqualifies a commercial borrower under the bank’s loan guidelines. This “problem” will typically be related to net income after business deductions, but when loan officers review tax returns, there are many possibilities which will result in the same outcome.

Strategy number two for converting the declined commercial mortgage into an approved commercial real estate loan is to apply for a “Stated Income” commercial loan. Very few traditional banks use Stated Income (no tax returns, no income verification, no IRS Form 4506) for business loans. Borrowers should search for commercial lenders using Stated Income commercial financing. Unfortunately, this suggested solution will not work for all loans because of a normal maximum loan amount of about $2-3 million for a Stated Income loan.

(3) Cash Out Limitations. The third reason for rejection of business loans will be seen frequently during refinancing attempts which involve a need to obtain cash by the borrower. It is common for a traditional commercial lender to limit what the funds are used for and to restrict the amount of cash to as little as $100,000. Even though the bank will provide the commercial loan, if they won’t offer the amount of cash requested by the borrower, this is equivalent to a loan disapproval.

Strategy number three for converting the declined commercial mortgage into an approved commercial real estate loan is to seek alternative business financing. An important goal for a commercial borrower is to find a lender that will not impose unfair restrictions in how refinancing cash is to be used.

(4) Collateral Required. Reason number four for commercial mortgage loan disapprovals is that the bank will not make a commercial loan without sufficient collateral such as a lien on personal assets.

Strategy number four for converting the declined commercial mortgage into an approved commercial real estate loan is for commercial borrowers to seek out lenders that do not “cross collateralize” assets as a condition for obtaining a business loan. This will provide greater flexibility for the commercial borrower and avoid unnecessary (and unwise) connections between personal and business assets.

(5) Required Business Plan. 0Reason number five for commercial mortgage disapprovals is when a bank’s loan officer determines that the business plan does not support the needed commercial loan.

The fifth strategy is to avoid lenders which require a business plan, and this approach can save both time and money. This can result in several primary advantages:

(A) Decrease commercial mortgage costs by several thousand dollars. A typical business plan (prepared to normal bank specifications) costs $5,000 to $10,000.

(B) Reduce the period needed to complete business financing. A typical time for a business plan to be prepared is one to two months.

(C) Commercial financing approvals will involve fewer requirements when a business plan is not mandatory.

Unfortunately, the circumstances described in this article are responsible for many commercial finance difficulties. However, as noted above, the five key reasons for loan officers rejecting business loans can be overcome by most business owners. Similarly, with proper advice and strategies for small business mortgages, commercial real estate loans that are disapproved for other reasons (beyond the five issues described here) can also result in successful and effective commercial loans.

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Stephen Bush –
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Stephen Bush is a small business cash management expert – learn how to avoid problems with business loans and obtain candid business cash advance advice at AEX Commercial Financing Group => http://aexcommercialfinancing.com

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US Commercial Real Estate Investors Remain Cautiously Optimistic As Overall Fundamentals Stabilize Pt. 2

July 5, 2011 | Author admin

Anticipated Performance for Each Sector

The PwC Real Estate Barometer that’s included within the Survey tracks the anticipated performances of the four main property sectors (office, retail, industrial, and multifamily) from 2011 to 2014. According to the barometer, 62.4 percent of the US office stock will be in recovery mode by year-end 2011; in 2012, this percentage will decline a bit as a greater portion of stock enters the expansion phase. For the US retail sector, the majority will be in recession through year-end 2012. Although the amount of stock in recession will decline greatly by year-end 2013, a significant recovery is not expected until year-end 2014.

The US industrial market has been helped out by improvements in manufacturing, capital goods shipments, and business and consumer spending. Overall vacancy is declining in the sector and a recovery is underway for many cities. As a result, the portion of US industrial stock in recovery is expected to surge over the next 15 months.

The barometer shows that the best-performing sector in the industry is the US multifamily market, which is dominated by the recovery phase of the real estate cycle and is segueing more and more into the expansion phase annually through 2014. In fact, not one of the 81 multifamily metro areas included in the barometer will be in recession over the next four years.

Information about subscribing to the PwC Real Estate Investor Survey can be found at www.pwc.com/us/realestatesurvey. Members of the media can obtain an electronic copy of the full report by contacting Scott Cianciulli at (212) 986-6667 or cianciulli@braincomm.com.

About the PwC Real Estate Investor Survey^TM

The PwC Real Estate Investor Survey, now in its 24^th year of publication, is one of the industry’s longest continuously produced quarterly surveys. The current report provides overviews of 31 separate markets, including ten national markets — regional mall, power center, strip shopping center, CBD office, suburban office, flex/R&D, warehouse, apartment, net lease, and medical office buildings. The report also includes a review of 18 major US office markets including Atlanta, Boston, Charlotte, Chicago, Dallas, Denver, Houston, Los Angeles, Manhattan, Northern Virginia, Pacific Northwest, Philadelphia, Phoenix, San Diego, San Francisco, Southeast Florida, Suburban Maryland, and Washington, DC. In addition, the report covers three regional apartment markets – – Mid-Atlantic, Pacific, and Southeast.

The second quarter 2011 report also features up-to-date information relating to forecast periods, structural vacancy replacement reserves, forecast values, tenant improvement allowances, and vacancy assumptions. In addition, each issue of the Survey contains over ten tables of market data focusing on value expectations, tenant improvement allowances, forecast periods, structural vacancy, and growth rates. Also in this issue is the semiannual National Development Land Market.

About the PwC Network

PwC firms provide industry-focused assurance, tax and advisory services to enhance value for their clients. More than 161,000 people in 154 countries in firms across the PwC network share their thinking, experience and solutions to develop fresh perspectives and practical advice. See www.pwc.com for more information.

© 2011 PwC. All rights reserved. “PwC” and “PwC US” refer to PricewaterhouseCoopers LLP, a Delaware limited liability partnership, which is a member firm of PricewaterhouseCoopers International Limited, each member firm of which is a separate legal entity. This document is for general information purposes only, and should not be used as a substitute for consultation with professional advisors.

Scott Cianciulli / Ray Yeung
Brainerd Communicators
Tel: +1 (212) 986 6667
cianciulli@braincomm.com
yeung@braincomm.com

This article comes from Hotel News Resource
http://www.hotelnewsresource.com

The URL for this story is:
http://www.hotelnewsresource.com/article55931.html

Posted in Commercial BOV, Commercial BPO, Commercial Broker Price Opinion, Commercial Lenders, Commercial Loans, Commercial Real Estate, Commercial Real Estate Financing, Commercial Real Estate Misc., Lenders, Real Estate | Tags: commercial real estate investor news, commercial real estate news | 6 Comments »