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Commercial Bank Financing And Small Business Debt Reductions
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Home Page > Finance > Commercial Bank Financing And Small Business Debt Reductions
Commercial Bank Financing And Small Business Debt Reductions
Posted: Feb 02, 2010 |Comments: 0
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Because of serious deficiencies with commercial banking services for small business owners, a prudent and logical response for business borrowers is to investigate the viable options for reducing their dependency on commercial debt and small business bank financing. A growing number of business owners are seeking business consulting advice about how to reduce commercial bank financing and small business debt.
In most cases, small business owners are not openly seeking a commercial lending struggle with their bank. It is a practical outcome to the increasing inability of banks and other business lenders to provide adequate amounts of working capital financing and business loans. It seems likely that most business owners have probably viewed their business banking relationships on a loyal and friendly basis over the years. Now as with many other business practices, massive changes are literally forcing small businesses to examine and revise their business financing strategies.
Evaluating whether there are realistic alternatives to replace their current bank financing and commercial debt would be one possible outcome for business borrowers. Refinancing business debt with a new commercial lending source would be a normal and practical result. For one example, exploring business financing options to obtain working capital financing elsewhere would be smart for a small business with a commercial line of credit that is about to be eliminated or reduced (as is now happening on a widespread basis).
It will be wise to explore small business finance alternatives even in situations where business owners are not being forced to acquire a new source for their commercial loans immediately. Very little notice has been provided to impacted commercial borrowers in most recent examples of banks which have revoked existing small business loans.
Small business owners analyzing whether it is feasible to permanently reduce commercial debt and small business bank financing is another effective business financing option. A focus on reducing overall business debt rather than merely finding a new home for small business loans would be the result of commercial borrowers pursuing this approach. This strategy permanently decreases interest expenses for the business when executed successfully. It will probably also improve credit ratings for the business and the business owners, and this can improve interest rates on whatever amount of business financing might still be needed.
The strategy of permanently reducing business debt is one which is likely to grow in popularity for commercial borrowers. There is a refreshing trend among individuals as well as businesses to stop using the services of companies which mistreat their customers on an ongoing basis. A casual review of any number of publications reveals that this kind of mistreatment is rampant among banks lending to small businesses. Since this disturbing trend is especially evident among larger banks, one small business financing option that deserves to be thoroughly evaluated is whether it is feasible to simply find a better and friendlier (and more effective) commercial lender. To the extent that many small businesses find that they still need some bank financing, certainly it seems that a worthy goal would be ensure that they find a good (effective) bank to replace a bad (ineffective) bank.
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Stephen Bush has provided candid advice to business owners for 30 years and is a working capital loans expert. AEX Commercial Financing Group offers small business financing and commercial real estate loans
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Stephen Bush has provided candid advice to business owners for 30 years and is a working capital loans expert. AEX Commercial Financing Group offers small business financing and commercial real estate loans
Commercial Real Estate Financing in Canada
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Home Page > Finance > Real Estate > Commercial Real Estate Financing in Canada
Commercial Real Estate Financing in Canada
Posted: Aug 21, 2010 |Comments: 0
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This article will discuss the topic of financing commercial investments in Ottawa. Please be aware that financing regulations change and this information is current as of today and subject to change based on new mortgage lending laws of the future. We have many clients who come to us interested in their dream commercial property. This can be a large multi-unit in Ottawa’s downtown or an office plaza for their thriving business. Whatever the situation, financing is a critical element of the equation to making the transaction happen. Many believe that the commercial lending system is similar to the residential system – relatively straightforward with little or no money down if required as an option. The truth is that when you enter the Ottawa commercial real estate realm you enter a world of tighter requirements for approval. No longer is your income relevant but rather it is all about the property, your credit score, and your experience. Many investors ask us, “At what point does a property get classified as commercial?” and the answer is that anything over 4 units is classified as commercial even if you are living in it. This means that you cannot finance any property over 4 units as if you were buying a residential property. Which also means a standard 5-20 % down payment does not apply. A typical commercial down payment can range from 20-30% down depending on your financial strength. This can be a major obstacle for investors looking to tap into the Ottawa commercial real estate market. The property also dictates the market that one can purchase for, meaning that banks send sophisticated analysts to appraise the property and use that number to factor in the financing.
The Property:
Whether you make very little personally or a six figure salary – when it comes to commercial financing this is irrelevant. Commercial real estate tends to be more expensive. Banks cannot rely on the personal income of the prospective lender as few people earn enough to cover the loan on a multi-million dollar investment. Thus banks use more in depth methods to qualify the investor and gauge their risk. The first consideration is always the individual. Secondly, the bank will take the property and analyze its condition, cash flow, cap rate, and run the numbers before it even considers financing for it. One must always be aware that the property is the main focus in commercial real estate and the numbers have to match in order for banks to approve. The operational efficiency of your unit and it’s earning potential are important elements if you’re an investor who plans on refinancing your existing property portfolio for the acquisition of further real estate. We touch on this at the pre-purchase phase when considering buying a property Literally keeping your house in order is always wise, especially, if you’re considering growing your portfolio and looking at larger commercial real estate.
Your Credit Score:
This goes without saying – if you have bad credit history then the banks will simply not lend to you. We use a general rule of thumb that you must have a minimum of 640 as your FICO score in order to qualify. Anything under this number will prove difficult when attempting to borrow. Your credit score will also dictate what interest rate you get. Higher scores receive better interest rates and borrowers have options if you’re considered credit worthy. Lower credit scores receive less competitive rates, and in some cases, higher interest rates than standard.
Your Experience:
Banks are in the business of lending to qualified investors; this means if a person comes forth with a large sum of cash and wants to buy a 55 unit building, they do not just give the money away. If the candidate does not have the previous experience in the commercial real estate sphere then banks will be reluctant to loan the money. Experience counts. It’s comparable to the loan on a start up business. The lender is seeking as much of an assurance of successful repayment of the loan with interest as possible. The belief is that if a new person with no experience purchases the large commercial real estate then there is a higher chance that they will fail when compared to an investor with many commercial units and lots of experience. We advise our new investors to consider larger properties at the beginning of their investment careers in an effort to enhance experience and portfolio value.
All these three factors come together to create the commercial mortgage and we work
very carefully to provide investors a big picture perspective prior to engagement so that our clients know
what they are getting into. Unlike many commercial real estate brokerages, we provide full service that
includes financing. This means the real estate agent knows at what phase the mortgage process is in and
therefore can act accordingly without the back and forth of an external mortgage agent. Furthermore
because we are a licensed mortgage firm we can get you the best rate, make it easy, and we work hard
to ensure you are approved. The commercial real estate mortgage process can take months; therefore
one small mistake can kill the deal. This is why it is critical to have an in-house team working together seamlessly through all of the stages of the property purchase process to
ensure that nothing falls through and that you get that dream commercial property you’ve always considered.
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Phillip Mosely is the Communications Manager and one of the associate brokers with Synercapital Real Estate Services, Inc. Synercapital specializes in investment and income property sales in the Ottawa, Ontario, Canada region. Synercapital also specializes in residential home sales and commercial leasing, Visit us at http://www.synercapital.ca
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Phillip Mosely is the Communications Manager and one of the associate brokers with Synercapital Real Estate Services, Inc. Synercapital specializes in investment and income property sales in the Ottawa, Ontario, Canada region. Synercapital also specializes in residential home sales and commercial leasing, Visit us at http://www.synercapital.ca
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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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Apr 28, 2010
lViews: 103
Commercial Loan Help for Avoiding Problem Working Capital Lenders
One of the most serious working capital financing scenarios is a lender that causes difficulties for their small business commercial borrowers on a regular basis. It is specifically this kind of commercial lender which informed commercial borrowers should be prepared to avoid unless realistic alternative options for commercial loans and commercial mortgages are totally impractical.
By:
Stephen Bushl
Financel
Jun 30, 2008
Being Able to Finance the Life You Want
Being able to finance the life you want means getting out of debt first. Being in debt can be a burden that you may be losing sleep over. If you are tired of worrying about the money you owe, it may now be the time to take steps to dig…
By:
Peter Skonctuehtl
Financel
Jul 23, 2011
Learn to Finance the Life You Want
Struggling with debt can be an overwhelming burden on your wallet and your emotions. If you are dealing with debt, you know how stressful making your monthly payments can be. Do you crave being able to finance a life you can afford without the stresses of debt? If so, here…
By:
Peter Skonctuehtl
Financel
Jul 23, 2011
Get Out of Debt and Finance the Life You Want
Many people struggle with the daunting and very often, overwhelming, matter of debt. Dealing with debt is not only draining on your wallet, but will also drain you emotionally. People struggling to get out debt often have higher levels of stress. Do you want to finance the life you really…
By:
Peter Skonctuehtl
Financel
Jul 23, 2011
Real Estate Tax Credits – How to Take Advantage and Save Money
There are presently two common types of real estate tax credits in the U.S. that are applicable to residential homebuyers. Lets take a look at these two types of tax credits and their effect on the housing market.
Homebuyer tax credit this tax credit was instituted in response to the housing…
By:
Jim Callahanl
Financel
Jul 22, 2011
Tax Debt Relief the Basic Facts You Need to Know
Owing the IRS back taxes is a stressful situation to find yourself in. If you owe the IRS it is important to understand your rights and options for getting out of tax debt. The good news is that there are ways to get tax debt relief and there are plenty…
By:
Jim Callahanl
Financel
Jul 22, 2011
Business Financing without Banks Update
Business financing without banks is not a new idea, but the earlier reports advocating the concept were published prior to the recent commercial lending crisis. While the initial reasons for this business loan advice are still around, there are several new factors that have made the situation even more relevant.
By:
Stephen Bushl
Finance>
Bankingl
Jul 01, 2010
Small Business Finance and Commercial Lender Perspectives
Commercial borrowers are more likely to avoid difficulties with working capital loans and commercial loan alternatives by analyzing what caused recent uncertainties with small business finance services.
By:
Stephen Bushl
Business>
Small Businessl
Jun 10, 2010
Six Words Describing Working Capital Loans
This report provides a concise explanation of short-term small business financing and cash management issues with a simplified approach by describing working capital management options in six words.
By:
Stephen Bushl
Financel
Apr 28, 2010
lViews: 103
Seven Words To Describe Business Cash Advances
Merchant cash advances are one of the most effective working capital financing options but are frequently viewed as too complicated by small business owners. Here are several candid explanations in seven words to help provide a better understanding of business cash advance programs.
By:
Stephen Bushl
Financel
Apr 16, 2010
lViews: 145
Seven Words To Describe Commercial Mortgage Options
By providing several descriptions of commercial mortgage options in seven words, this article supplies small business owners with a concise and candid explanation of current commercial lending problems.
By:
Stephen Bushl
Financel
Apr 12, 2010
lViews: 132
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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.
www.CommercialMortgageTips.com Are you a Professional in need of financing? Don’t go to your local Bank or the SBA. They won’t have my 100% Financing For Professionals loan. 561-208-6469.