Commercial Loans: The best kind of lending for small business owners
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Commercial Loans: The best kind of lending for small business owners

What are Commercial Loans? Commercial loans are no different than any type of loan you’d consider for your business. Normally, they’re debt financing agreements between a financial entity and a business. They give you the funding you need to grow your business. And of course, you pay your commercial loan back in full over a...

Posted by July 28, 2017July 28, 2017
Commercial Lender: Practical tips for borrowers looking for a loan in 2017
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Commercial Lender: Practical tips for borrowers looking for a loan in 2017

Most commercial lender are terrified of commercial loans right now. Below are practical tips on finding the right commercial lender at a time when most commercial lenders would have have a root canal than actually fund a commercial loan. Commercial Lending Tightest it’s been in 25 Years Commercial real estate has already tumbled by 40%....

Posted by July 25, 2017July 28, 2017
Commercial Banks: Commercial lending – lending to businesses – is really a two-tier market in the United States
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Commercial Banks: Commercial lending – lending to businesses – is really a two-tier market in the United States

Commercial lending – lending to businesses – is really a two-tier market in the United States. At the level of large companies, commercial bank lending is not as momentous in the United States as in many other countries, as there are a larger number of accessible alternative sources of funds for businesses. For small businesses,...

Posted by July 24, 2017July 28, 2017
Business loans have fallen after several years of growth.
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Business loans have fallen after several years of growth.

Business loans have flattened out after several years of growth. Is this is bad sign for the economy, or just normal fluctuation? Nobody should be worried by this being a sign of forthcoming recession, but I am concerned that it may mean greater bank tightening of credit terms. The chart shows what bankers call “commercial...

Posted by July 24, 2017July 29, 2017
Commercial Real Estate Loans: Individuals vs Entities
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Commercial Real Estate Loans: Individuals vs Entities

Commercial real estate (CRE) is income-producing real estate that is used solely for business purposes, office complexes, such as retail centers, hotels, and apartments. Financing – including the development, acquisition, and construction of these properties – is typically accomplished through commercial real estate loans: mortgage loans secured by liens on commercial property. Just as with...

Posted by July 19, 2017July 19, 2017
Commercial Property Loans: The difference between residential and commercial mortgages
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Commercial Property Loans: The difference between residential and commercial mortgages

Most commercial property loans today are made by commercial banks. A property is only considered a “commercial property” if it is other than a condo, a duplex, a triplex, or even a fourplex. Surprisingly, it doesn’t matter whether the property in question is if it’s owner-occupied. For instance, a loan on a non-owner-occupied duplex is...

Posted by July 19, 2017October 22, 2017
Commercial Real Estate Loan: Concerns heighten for commercial lenders
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Commercial Real Estate Loan: Concerns heighten for commercial lenders

Loan officers at U.S. banks reported tightening their lending standards for commercial real estate loans over the last year, the Federal Reserve said on Monday in a report that could heighten concerns about the outlook for commercial real estate. Officials at the U.S. central bank, including Boston Fed President Eric Rosengren, have warned that a...

Posted by July 19, 2017July 19, 2017
Commercial Bridge Loan of Whole Foods Deepens for Amazon
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Commercial Bridge Loan of Whole Foods Deepens for Amazon

A Commercial bridge loan for up to US$13.7 billion to back Amazon’s purchase of upscale grocer Whole Foods Markets, which is the second-largest US commercial bridge loan of this year, is stoking merger-related financing that has been stifled by prolonged uncertainty about the Trump administration’s policies. Even with Amazon’s 364-day loan, which is also the...

Posted by July 19, 2017July 19, 2017
Commercial bridge loan financing for mergers and acquisitions
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Commercial bridge loan financing for mergers and acquisitions

Commercial bridge loan financing Commercial bridge loan financing for mergers and acquisitions involves high stakes for lenders and borrowers. Understanding the structure, timing, terms and range of possibilities under a commercial bridge loan commitment is key to a successful financing negotiation and to analyzing the overall transaction economics. For corporations and private equity sponsors pursuing...

Posted by July 19, 2017July 19, 2017