Commercial Lending and Big Data
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Commercial Lending and Big Data

To benefit both the borrower and the lender, we must improve transparency and the loan process to protect and ascertain the true value of small businesses. In the United States, there are nearly 28.8 million small businesses, including franchises, which account for 48 percent of the private sector. While they serve as a backbone to...

Posted by July 19, 2017July 19, 2017
Commercial Mortgage Loan: Banks and Non-Bank Alternatives
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Commercial Mortgage Loan: Banks and Non-Bank Alternatives

If you have never borrowed money for your business before, you may be in for a surprise. Whether you want to borrow working capital to expand your business or leverage equity in a commercial real estate investment, you will shortly find out how commercial mortgage loan process is very different from the more common home...

Posted by July 19, 2017July 20, 2017
commercial financing: Who, what, when, where and why you should learn it
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commercial financing: Who, what, when, where and why you should learn it

If you ask yourself, “What is commercial financing?” How would you answer? You’d probably start generally: it’s the money you need to start and grow your business. But when you begin to narrow in on commercial financing, your head will begin to fill with questions.. When would I need commercial financing? What kinds of financing...

Posted by July 19, 2017July 20, 2017
Commercial Real Estate Loan in Texas: Refinance vs Acquisition loans
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Commercial Real Estate Loan in Texas: Refinance vs Acquisition loans

Refinancing a commercial real estate loan in Texas When the borrower refinances its existing loan, the refinance loan may be with the existing lender or a new lender. When the refinance is with the borrower’s existing lender, there may be less work leading up to the closing compared to a refinance of an existing loan...

Posted by July 16, 2017July 20, 2017
Commercial Real Estate In Florida and Zoning
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Commercial Real Estate In Florida and Zoning

Commercial Real Estate In Florida When a lender makes a mortgage loan to a borrower, the lender typically conducts extensive due diligence on the collateral offered to secure the loan. Because the real property is the primary collateral securing a mortgage loan, comprehensive due diligence of the real estate is essential in commercial real estate In...

Posted by July 15, 2017July 19, 2017
Construction Financing: Savings, Taxable vs. Non-Taxable Bonds
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Construction Financing: Savings, Taxable vs. Non-Taxable Bonds

When someone in the construction financing industry finds a way to build a better mousetrap, the reaction of owners, contractors and investors varies widely. Some contractors jump right in, while others take a more guarded approach, seeking to obtain higher costs using tried-and-true construction methods until time and experience proves the reliability or cost savings...

Posted by July 12, 2017July 12, 2017
Multifamily Lending: New regulations and risks of overbuilding
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Multifamily Lending: New regulations and risks of overbuilding

Bank lenders are making a lot more permanent loans on multifamily lending projects. Banks are looking to place money in stabilized properties and cash-flowing. These banks are lending to owners of stabilized apartment buildings even as they step away from funding new construction programs. New regulations and risks of overbuilding are driving many banks to...

Posted by July 12, 2017July 12, 2017
Commercial Investment Property Loans: Invest without emotion
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Commercial Investment Property Loans: Invest without emotion

Do you have a clear purpose when applying for commercial investment property loans? Do you have clear plan? Have you given much thought to it? For some of you it is obvious. For some it may not be. Let’s start out with a real life story of what can happen when you do not have...

Posted by July 11, 2017July 20, 2017
Commercial Real Estate Loan: Repayment term and scheduling
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Commercial Real Estate Loan: Repayment term and scheduling

What is a Commercial Real Estate Loan? Commercial real estate, as you might’ve guessed, is real estate that’s used only for business uses. So if you manage your small business through a office space or retail store, you’re working out of commercial real estate. If you are planning to purchase new or existing commercial properties,...

Posted by July 4, 2017July 20, 2017
Dodd Frank: How it’s repeal will effect small business lending.
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Dodd Frank: How it’s repeal will effect small business lending.

The Consumer Protection Act and Dodd Frank Wall Street Reform is a massive piece of financial reform legislation passed by the Obama administration in 2010 as a response to the financial crisis of 2008. Named after U.S. Senator Barney Frank and U.S. Representative Christopher J. Dodd, the act’s many provisions, spelled out over approximately 2,300...

Posted by July 3, 2017July 3, 2017