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Home Page > Finance > Commercial Refinance Mortgage Commercial Loans: What You Should Know
Commercial Refinance Mortgage Commercial Loans: What You Should Know
Posted: Sep 23, 2010 |Comments: 0
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A loan is a kind of lending product that an individual requires from a fiscal organization in order to fulfill his / her economic needs. In return, the user is liable to pay interest along with the total amount that he / she obtained in the form of loan. There are various kinds of loans offered to people depending upon their needs. Commercial loans are one kind of these financial products.
A commercial loan, just like the name suggests, is given to a person to fulfill his / her commercial requirements. The commercial requirements may be to fulfill an order, send a consignment, purchasing raw material or new machinery and the like.
Therefore, the main reason for getting a business loan is very different from other financial products in the way that it is intended to generate income. The funds received through commercial loan can be used for manufacturing or producing or for any other business needs. The amount offered in this kind of loan is usually larger than any personal loan.
Features of Commercial Loans
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Just like it has been mentioned earlier, people take commercial loans to produce income Big business houses take commercial loans from banks to fulfill their production needs, or to complete a tender or for some other requirement of the company. The most common purposes of commercial loans include:
· Commercial loans are not considered for the purpose of domestic consumption.
· Banks offer commercial loans only to the business class men and women.
· Banks provide these loans for professional purposes at an interest rate that is lower in comparison to other types of loans.
· The time given to the borrower to repay the loan is usually lesser than other loans.
· The amount of money offered in commercial mortgages is always higher in comparison to other private loans.
Therefore, it can be said that commercial loans are the cheapest kind of lending product in the financial market as compared to any other borrowing product.
Requirements for Getting Commercial lending products
There are some specific requirements for getting a commercial loan approved from a financial institution. These are:
You have to clearly define your investment plans to the financial institution for which you are requesting the loan. You will have to get your material, goods or machinery insured by a reputed insurance company in order to ensure the repayment of loans amount to the lender in the event of an accident, fire or any other mishap. You will also have to present the details of the company you are dealing with, and the way in which you will use the loan amount, as well as any other information that the lending company might require.
Maintaining the accounts of the company is also essential, particular before and after having the loan sanctioned to you. Doing all the above mentioned steps is essential to have a commercial loan sanctioned.
To wrap up, draw the benefits of commercial loans in meeting your business needs and paying back in easy installments.
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Since I am not and have never been late on a payment, my mortgage holders will not discuss modifying my loans. My income will continue to decrease. How can I be procative about getting some releif?
Our loan was modified and it was only about $160 less than our mortgage and the term is extended to 40 yrs we took it anyways as we were desperate that time, but can we still apply for refinance this
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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 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
I’m considering getting into commercial real estate loan brokering and I would like to find out how many point lenders usually pay on these types of loans. I know the amount can vary, but I’m looking fo a range so I can calculate my possible commission. For argument’s sake let’s say an average loan amount would be $2.5 million. But, any info on how the system works on loans larger or smaller than that would be helpful also. Thanks.
If you are wondering to buy a property but short of finance is the hang-up for you, then don’t get upset because there is a plausible solution for it. That is: Commercial Real Estate Loans. Through such type of loan assistance, you can effortlessly procure property for a business purpose that too at a competitive interest rate.
Chiefly, commercial real estate loans are used for business purpose but it can be also utilized for the agricultural use, shopping centers, apartments, motels, hotels, automobile dealerships, office buildings and for many other commercial purposes.
No doubt, through commercial real estate loans, one can obtain considerable amount of money and buy the properties that they would like to but in order to obtain them, you are required to keep your one of your property as Collateral to be on the safer side of the real estate lender who will be providing you with such a large sum of money.
The main reasons behind opting for Commercial Real Estate Loans are its wealth of benefits that it provides. Besides rendering stability & high return on investment, it provides investment security. These are the two weighty points that draw an individual to get the hold of owner occupied commercial real estate loans. Longer duration period for repayment is the added advantage of acquiring commercial real estate loans.
Sources that furnishes with the commercial real estate loans are: Bank, Financial Institutions and Large Building Societies. The most unsurpassed way to acquire commercial real estate loans is through internet. To bag a lucrative deal, bit research is required to be necessitated. And so, make sure that you carry out a thorough research and have in-depth knowledge of the lender, as in; if he is reputed and authorized.
This article has been provided courtesy of commercialmortgage.net. Commercial Mortgage is a Commercial real estate loan division of Griffin Capital Funding offers owner occupied commercial real estate loans and owner occupied commercial loans with no personal guarantees, favorable loans rates and good terms.
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Even Small and Regional Commercial Banks Have Cut Back Sharply on Commercial Loans Lending
In these times its important to get your fingers on the pulse of the commercial real estate lending market. The CMBS lenders started to die late last year and now they are not lending at all.
Most of the mega commercial bank lenders got crushed in the subprime residential lending debacle. Their balance sheets are so underwater that they are making at most 2% of their 2007 volume of commercial loans. Essentially the mega-banks are out of the commercial loans lending market.
Until very recently, however, the smaller banks were still making some commercial loans. We were greatly disturbed last week, however, when several smaller commercial banks – lenders with no exposure to the subprime crisis – contacted us and confided that their balance sheets were so troubled that they too had stopped making any commercial loans.
We are pretty sure that this is a trend that will continue among the surviving small and regional commercial banks. As their commercial loans to local industrial companies start to go bad (sales of widgets and other industrial products are cratering), soon most commercial banks will stop making commercial loans completely – even permanent loans on standing commercial properties.
Many people are thinking that this is the last call for commercial loans from banks. If you don\’t close your loans in the next 90 to 120 days, you may have to wait five to ten years before commercial loans with decent interest rates reappear.
There is some truth in the idea that even the small bank commercial lending is going to dry up, although there will still be a handful of very savvy commercial loan lenders who can broker deals even in times of severe financial crisis. The key to success the current commercial loan climate will be finding the elite few lenders who are capable, and relying on them to broker your loans.
Reliant C Loans is the leader in savvy commercial loan lenders. Contact 1 888 972 1948 for FREE consultation on your commercial loan!
In troubled financial markets with tightening credit you will need a savvy comercial loan broker who maintains great relationships with industry niche lenders. Reliant is and has always maintained personalized contacts as a real commercial loan lender ready to weather any marketplace. Contact 1-888-972-1948 for FREE consultation on how to get the commercial loan you need.