Commercial Loans, Business Financing Update

Loan Growth is Back

2012-02-13T10:18:00.001-05:00

Loan Growth is Back
"With most major banks done reporting fourth-quarter earnings, one trend is clear: For the first time in a while, loan growth is back," according to a Motley Fool report. Tim McPeak, Sageworks' director of financial markets advisory services, said the tide may be starting to turn. "There are borrowers that are healthy -- that are now looking to expand as opposed to the borrower who was approaching their bank [in recent years] just because they were trying to stay in business," McPeak said. "And bankers always want to lend; that's how they make money." . . . keep reading about Small Business Lending

Commercial Capital continues to provide small businesses with SBA Loans via the SBA 7a, SBA 504 and SBA 504 Refinancing Loans. We are direct lenders for SBA 504 loans and provide a wide array of financing programs for small businesses and commercial loans for the acquisition and refinance of commercial real estate

Contact Us Today

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com
Your #1 Source For Commercial & Business Financing

SBA's Outdated Loan Management Systems

2012-02-10T10:09:00.001-05:00

House Examines SBA's Outdated Loan Management Systems
Rep. Nydia M. Velazquez (D-NY), the Ranking Democrat on the House Committee on Small Business said, "When the SBA's loan management systems were first developed in the 1970s, they were state-of-the-art. Although it has been more than forty years since then, many of these "Legacy Systems" are still in service. Today, they manage more than $90 billion in credit, investments, and loan guarantees - far more than when they were first put in place. As they have grown more obsolete, the SBA has founding it increasingly more difficult to maintain data integrity, keep information secure, and accurately account for loans. Although SBA has pursued various efforts to upgrade and modernize the Legacy Systems, these efforts have met with minimal success… keep reading about Small Business Lending

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com
Your #1 Source For Commercial & Business Financing

Citibank Tries a New Approach to Small-Business Lending

2012-02-07T10:00:00.001-05:00

Citibank Tries a New Approach to Small-Business Lending - NYTimes
The big United States banks have come under withering criticism for not lending enough to small businesses, but this week brings word that Citigroup, the parent of Citibank, will participate in a novel program to steer capital to small businesses that have an especially hard time getting it: those located in economically distressed areas. What's novel about the program is that while Citigroup will provide most of the capital, it will not disburse it. Instead, it will rely on Next Street, a self-described "merchant bank," to underwrite loans to businesses that Next Street deems capable of rapid growth. If the initiative succeeds, it could serve as a model for similar programs around the country. . . . keep reading about Small Business Lending

At Commercial Capital we have been helping small businesses find the money they need to expand by working with banks, credit unions, hedge funds, private equity groups, insurance companies, private investors and other funding sources that ARE lending. We can match your loan request with a lender that is looking to lend within the specific criteria your loan requires.

Contact Us Today

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325
Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com
Your #1 Source For Commercial & Business Financing

New Proposals to Help Small Businesses

2012-02-06T10:00:00.001-05:00

Administrator Mills on Obama's Small Business Proposals - Washington Post
President Obama's newest cabinet member, Small Business Administration head Karen Mills talks about the President's new proposals to help small businesses. . . . See video about Small Business Lending

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com
Your #1 Source For Commercial & Business Financing

Small Business Loan Demand Highest Since 2005

2012-02-03T10:00:00.001-05:00

FED: Small Business Loan Demand Highest Since 2005
Demand for business loans increased in the fourth quarter as economic growth accelerated, according to a Federal Reserve survey of senior loan officers at banks. Seventeen of 56 banks reported stronger demand among companies with $50 million in annual sales or more, according to the survey, while six reported weaker demand. Loan demand among small businesses increased by the most in any quarter since 2005. . . . See video about Small Business Lending

While large banks continue to hold back on lending to small businesses, here at Commercial Lending Pros we continue to provide financing services for business owners, investors and other entrepreneurs throughout the country. We are direct lenders for SBA 504 Loans and also have access to over 150 different funding sources including credit unions that are lending, hedge funds, private equity groups, insurance companies, private investors and other funding sources including Wall St. funds.

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Update For The Smart Investor

2012-02-01T10:00:00.001-05:00

In a recent Commercial Capital Limited conference call we discussed the availability of billions of dollars for financing commercial real estate. The bad news is that the credit markets remain tight; the good news is that there IS money to lend out there-you just need to know where to get it.

There is an incredible amount of money that was raised to handle the coming delinquencies in CMBS that never actually happened. “Extend and pretend” pushed that timeline back another 5 years. As a result, there is a great amount of capital looking to deploy to deals that make sense, especially in situations where notes are getting discounted. We now have multiple lenders with the ability to come in with 100% of the Note discount if the values work. We have access now to equity players that will come in and take a note out with all equity or some combination of debt and equity.

We now have billions of dollars of capital that NEEDS to get deployed for good deals. They are hungry to deploy the money because they only get yield for these investors if the money is deployed. It earns nothing sitting in the bank. This is huge because the reserve requirements banks have to meet will be raised again in 2014 which is right around the corner. The tightness that exists is going to be with us for some time and banks are still more nervous about regulators then they are about profits. Survival is the name of the game for many banks, not profit. And so these discounted note deals will continue to happen. Every day we see another deal where a note was either sold or the bank has gone back to the borrower asking them to refinance it and they were willing to give a discount to do it!

We have a lot of money available to deploy to just those situations. If you know someone who has a chance to refinance the note at a discount, or if you yourself are in this situation, give us a call. It is VERY likely that I can get you the money you need. 863-299-2929 or 813-833-3132

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!"

Banks have to rebuild trust in wake of recession, industry gaffes

2012-01-30T19:39:00.001-05:00

Banker: Banks have to rebuild trust in wake of recession, industry gaffes
Reagan K. Rick, 50, is Fifth Third Bank's regional president in Central Florida. "We've focused on developing a lot of relationships in the communities where our financial centers are located. That has helped us be very successful at adding many new customers in all lines of business. I feel that our bankers are really earning the trust of customers by bringing them good products and solutions. We just need to keep focusing on the basics -- fundamental "blocking and tackling" -- and serving the customers." . . . keep reading about Small Business Lending

Banks recognize that they need to rebuild trust with their local communities but small business lending continues to be a major dilemma. Though banks say they are lending the volume of overall loans is down and regulations keep banks in a tentative position when it comes to lending to small business. Business owners still need access to capital and Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving! We are direct lenders and also have access to over 150 different funding sources including banks that are lending, hedge funds, private equity groups, insurance companies, private investors and other funding sources including Wall St. funds.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com
Your #1 Source For Commercial & Business Financing

Baby Boomers Getting SBA Loans

2011-12-21T10:30:00.001-05:00

CNNMoney - While living out of suitcases grew old, the prospect of retiring altogether seemed boring and certainly not profitable. To combat a diminishing 401(k) and depreciating real estate assets, Reed decided to make one last gamble and open an urgent care medical facility last April. "My peers think I'm crazy for starting a business at this age," said Reed. "But I consider this my new retirement plan." The risks were great -- with a $500,000 SBA loan plus personal investments, Reed's total commitment is in the seven figures. But so far it's paying off. In a fairly lucrative market with no competition, he expects to break even within the next couple of months. . . . keep reading about SBA Loans

We are Direct Lenders for SBA 504 loans in certain markets and offer several types of Securities Loans. If you are a small business owner or looking to leverage your investment portfolio in a business opportunity Commercial Capital can help you find the financing you need. We work with over 150 different lending sources that are lending and will evaluate your loan scenario in a prompt professional manner. We will underwrite and process Small Business Administration Loans:

SBA 7(a) (We are Preferred Lenders)
SBA 504 (We are Direct Lenders)

The provisions of the Equal Credit Opportunity Act shall apply to all applicants for loans submitted under these government guaranteed loan programs. There shall be no discrimination on the basis of race, color, religion, age, sex, marital status, handicap or national origin. It is our goal to facilitate a quick funding on all SBA loan requests. Additionally, we offer the following advantages:

Competitive rates and terms
Purchase or refinance of commercial real-estate, with cash out permitted
SBA-guaranteed fee can be financed in most cases

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

The True Job Creators Get No Help

2011-12-20T10:53:00.001-05:00

I am a small business owner. I employ 18 people, all of whom live in and support our local communities. I have always paid their health insurance, which was up 14 percent in 2010 and 22 percent in 2011, but I cannot continue this for much longer. I create jobs. I do not have tax loopholes provided by our representatives, and I certainly don't take jobs out of the country. If I fail, after 60 years, nobody will bail me out with your tax dollars. I have no funds for lobbyists to pressure representatives into special advantages for my business. Will American citizens awaken and recognize that corporate America has snowballed our very democracy into a profitable package for Wall Street and not for Main Street? We are the new "Silent Majority." Why are we not speaking out? . . . keep reading about Small Business Lending

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

Bank Loans to Small Business Fall to 12-year Low

2011-12-19T12:44:00.001-05:00

FDIC Report: Bank Loans to Small Business Fall to 12-year Low

An analysis of recently released Federal Deposit Insurance Corp. data by the Investigative Reporting Workshop shows that overall commercial and industrial lending by banks has increased for five straight quarters, but small loans to business of $1 million or less have been shrinking consistently since June 2008. As of Sept. 30, total outstanding loan volume was down 14.7 percent from its peak. The reduction of bank credit has had an even bigger impact on small business than it would on large business, which can borrow money through corporate bonds and "commercial paper." In contrast, small businesses rely almost exclusively on credit provided from banks. . . . keep reading about Small Business Financing

If your small business is in need of a loan NOW is the time to seek the capital you need. Commercial Capital continues to offer small businesses SBA financing while many banks have been reluctant to do so. We are direct SBA 504 lenders and have over 150 different lending sources. Let Commercial Capital help you find the capital you need to grow your business. We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!" WE ARE SERIOUS ABOUT IT.

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

Small Business Lending and Refinancing

2011-12-13T11:49:00.001-05:00

As a Small Business Administration (SBA) “Preferred Lender,” Commercial Capital Limited – Small Business Lending understands the financing needs of small and growing businesses. Our commercial real estate refinancing program is designed to lower monthly payments with longer amortization and a lower interest rate.

Program highlights

Refinance existing balloon notes
Refinance or acquisition of equipment
Fully amortized loans - no balloon notes
Higher loan-to-value ratio
Working capital
Competitive interest rates

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

SBA Promotes Small Business Saturday

2011-11-22T09:13:00.001-05:00

"Small businesses are the foundation of our economy -- half of America's workers either own or work for a small business," said SBA Administrator Karen Mills. "Small Business Saturday® is an opportunity to show our support for our friends and neighbors who throughout the year are growing our local economy, as well as supporting many local initiative and organizations." Nov. 26 marks the second annual Small Business Saturday®, a day to support the local small businesses that create jobs, boost the economy and preserve neighborhoods around the country. First there was Black Friday, and then Cyber Monday, and now Small Business Saturday® will help drive shoppers to America's job creators. Small businesses have generated two out of every three net new jobs over the past 15 years and employ over half of all private sector employees. . . . keep reading about Small Business Lending

Commercial Capital continues to provide small businesses with SBA Loans via the SBA 7a, SBA 504 and SBA 504 Refinancing Loans. We are direct lenders for SBA 504 loans and provide a wide array of financing programs for small businesses and commercial loans for the acquisition and refinance of commercial real estate.

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

SBA: Loan Buying Has Been at Record Levels

2011-11-18T09:30:00.001-05:00

Small Business Administrator Karen Mills' Washington D.C. office overlooks a railroad where trains whiz by hauling freight. It's a reminder, she says, that American industry is still working. These days we could use that reminder. American manufacturing is in the tank, and small business lending -- a much-cited economic driver -- fell again in the second quarter, on the heels of a lackluster five years. On the upside, loans backed by the Small Business Administration are on the rise, with banks breaking records in SBA lending last year. Mills sat down recently with Fortune's Anne VanderMey to talk about what her office is doing to give small business a leg-up and help bring American unemployment back down to earth. . . . keep reading about Small Business Lending

The SBA 504 loan program has recaptured its buzz in the current economy and recent numbers indicate that more firms are using the innovative program to secure commercial real estate deals. Financial markets are beginning to thaw as loans terms have soften for some, but for many firms attempting to complete real estate deals current guidelines and requirements are still not economically feasible. Many of those that survived the economic downturn are now growing and require new space. Instead of turning to traditional financing, where they may be met with lukewarm response, programs like the SBA 504 have helped bridge the gap and make many real estate deals a reality for potential owner-occupiers.

We Are Direct SBA 504 Lenders!

Give us a call at: 863-298-8900 or 813-833-3132

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

GREAT Time to Tap a Note Discount!

2011-11-17T13:26:00.001-05:00

Year End is a GREAT Time to Tap a Note Discount!

Banks need to get loans off their books-both non-performing AND, performing and there is NO better time to approach these deals than at the end of a quarter and especially a year. Discounted note deals that are started now can STILL close by year end even with the holidays. Bridge loans can close that quickly and many times, a new appraisal is NOT even needed.

We have one client that had an outstanding loan of $1.7 million. The property values had fallen and, the place only appraised for a million. The property cash flowed to support a $600,000 loan and, the bank accepted the pay off. He lopped off $1.1 MILLION in debt! BECAUSE THE NOTE HAD BEEN CALLED MONTHS AGO AND, THE LENDER DID NOT WANT TO TAKE PAYMENTS. HE HAD NOT MADE A PAYMENT IN 6 MONTHS! We did a private money loan through our fund and, closed it in a few weeks. Six (6) months from now we will refinance him into a longer term vehicle at conventional rates and, the client is fired up!

It can work on purchases too. We have one client that is being offered a group of 6 shopping centers that the bank has foreclosed on. The outstanding loan is $13 million, the properties recently appraised for $11 million, they cash flow net about $850K and, this borrower can buy them for $7 million if he will close in 30 days. That is $3 million of free equity-HUGE. We have the resources to close that loan in a couple of weeks with no appraisal!

Properties don’t have to be distressed to need note discount deals although if you have time and, the note is current, there are conventional options available. We have seen deals where the bank just wanted the loan off their books to improve their reserve requirements even though the loan was performing. We had to document that the loan was performing but, we have done straight refi’s where the borrower was able to lop hundreds of thousands off of what they owed simply by refinancing it off the banks books. Right now, banks are looking hard at moving some debt off their books.

If you know someone who has a chance to refinance the note at a discount, or if you yourself are in this situation, give us a call. It is VERY likely that I can get you the money you need. 863-299-2929 or 813-833-3132

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

SBA Loans Have A Huge Impact On Small Business

2011-11-07T12:18:00.001-05:00

To Increase Small Business Loans, Revive What Has Already Worked
With the economy still struggling, there could not be a worse time to abandon a highly successful federal program that has created at least 650,000 private sector jobs throughout the country. In 2009, and again in 2010, the federal government acted to increase lending to small businesses. The most effective elements of this legislation, according to Small Business Administration (SBA) data and a study by the nonpartisan Congressional Research Service, were an increase in federal guarantees for SBA loans to 90 percent (from 75-85 percent), the elimination of loan fees, and an increase in the ceiling for each loan from $2 million to $5 million. . . .keep reading about Small Business Lending

Small Business Lending is vital to the country's economy and is the engine to generate employment opportunities. Here at Commercial Lending Pros we continue to provide financing services for business owners, investors and other entrepreneurs throughout the country who need to expand to create employment. We are direct lenders and also have access to over 150 different funding sources including banks that are lending, hedge funds, private equity groups, insurance companies, private investors and other funding sources including Wall St. funds.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

Lack of Lending Creates Loads of Uncertainty - CNBC

2011-10-31T13:44:00.001-04:00

Lack of Lending Creates Loads of Uncertainty - CNBC
Since the market dropped in 2008, small businesses have struggled with a host of challenges, as consumers have cut back, operating costs have risen and banks have reined in lending. The challenges facing a small business owner today can be overwhelming. And those business owners don't expect things to get easier any time soon. . . . keep reading about Small Business Lending

Business owners still need access to capital and Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving! This is our mission and have been working to fund many different types of loan scenarios. Here are several exsamples of recent closings so you can get a feel for what is happening in the market, what is closing. The bad news is that the credit markets remain tight; the good news is that there IS money to lend out there-you just need to know where to get it. This is a sampling of recent loan closings:

$2.4 Million purchase of Red Roof Inn

Where: Greensboro, NC

Type: This was an exterior corridor hotel which is increasingly tough to get financed but we CAN get these deals done. We closed this loan with $200K in renovation money rolled into the loan!

$385,000 Refinance on an Oil Change Business!

Where: Garland, TX

Type: This is another of the many loans that we closed where one of the big banks approved the loan, then dragged on processing the file and finally denied it after 3 months, leaving the borrower out to dry. We came in and got the loan closed overcoming serious medical and divorce issues with the client. Be careful shopping around for rates in commercial lending, the most important thing is getting the loan closed. No one does that better than us!

$2,870,000 Refinance of Student Housing Apartments

Where: West Olive, MI

Type: YES, we lend in Michigan! This was a student housing apartment complex that needed to refinance because of a note coming due. We got them a FNMA loan with an incredible 10 year fixed rate and a 30 year amortization. We don’t just do the tough loans; we can get the strong deals done at the lowest rates as well! When you have all the funding sources of the entire country available to you-whether it is agency, life companies, credit unions or more, you can often get the very best rates and terms for your clients!

$600,000 Note Discount Deal on Self Storage Facility

Where: North Aurora, IL

Type: Declining property values and a slower lease up time then expected put this borrower in a financial bind. He owed $1.6 Million and the property only appraised for $1 million. Unable to make the payments, the bank offered him a deep discount but no one was willing to finance a guy who had not made a payment in almost a year. But we stepped in with our own private financing and got him $600,000! The bank accepted it and the transaction closed in less than 30 days. In total, this borrower saved $1.1 million in principal and more importantly, this loan saved the property. If you are in a bind, give us a call-we just may be able to help!

$263,000 Firehouse Subs Start-up SBA 7A loan

Where: Columbia, MD

Type: Getting start-up money for a restaurant with no real estate involved is never an easy chore, even for a strong franchise like Firehouse Subs. In any given state, less than 5% of the banks will even consider this type of loan. But we have the sources to do it in every state. These loans typically roll in all the costs from franchise fees, to build-out, to equipment and even working capital. We have done these loans both with SBA financing and conventional financing. We close one or more of these pretty much every month. If you are looking at buying a franchise or starting a business, we are the experts you need to talk to about getting the financing lined up!

$460,000 Hardware Store Purchase

Where: Atlanta, GA

Type: This was a straight purchase of a non-franchise hardware store that was already running. This was another loan that got turned down by one of the big banks after they had initially approved it. It is amazing to me how often that happens. But we took the loan, found conventional/SBA financing at great rates and got the deal done! Whether in GA or around the country, we are the source for all your commercial needs!

If you or anyone you know needs to close a commercial loan, whether it is a start-up for a franchise or a refinance of an office building…give us a call at 863-299-2929 or 813-833-3132.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!"

Where is the Money?

2011-10-27T15:33:00.000-04:00

In a recent Commercial Capital Limited conference call several prominent lenders discussed the availability of billions of dollars for financing commercial real estate. The bad news is that the credit markets remain tight; the good news is that there IS money to lend out there-you just need to know where to get it.

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

Financing Discounted Notes

2011-10-25T09:53:00.001-04:00

FEW banks will refinance a discounted note. WE CAN DO IT WITH NO ADDITIONAL EQUITY INJECTION!

We can finance up to 100% of the discounted value! Rates are low!

$600,000 Note Discount Deal on Self Storage Facility

Location: North Aurora, IL

Type: Declining property values and a slower lease up time than expected put this borrower in a financial bind. He owed $1.6 Million and, the property only appraised for $1 million. Unable to make the payments, the bank offered him a deep discount but, no one was willing to finance a guy who had not made a payment in almost a year. We stepped in with our own private financing and, got him $600,000! The bank accepted it and, the transaction closed in less than 30 days. In total, this borrower saved $1.1 million in principal and more importantly, this loan saved the property. If you are in a bind, give us a call-we just may be able to help!

Contact Us

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

We can get deals closed. Our Company Mission Statement: "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!"

SBA Loans: Reports Significant Increase in 2011

2011-10-19T20:36:00.001-04:00

WASHINGTON -- The U.S. Small Business Administration's Small Business Investment Company (SBIC) program provided a record $2.59 billion in fiscal year 2011 to small businesses, a 63 percent increase over last year's $1.59 billion. "Over the past two years, we've made SBIC work better than ever before," said SBA Administrator Karen Mills. "We cut licensing time in half, which has strengthened efficiency and made it possible to get capital into the hands of small businesses more quickly. When an SBIC invests in a company, it can scale up and create jobs." . . . keep reading about Small Business Financing

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Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: marcos@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

REFINANCE YOUR COMMERCIAL REAL ESTATE: Do it With NO Additional Equity Injection

2011-10-17T21:11:00.002-04:00

Commercial real estate property owners are being FORCED to refinance by banks or by the new note holders who bought the loan from the bank and FEW banks will refinance a discounted note.

WE CAN DO IT WITH NO ADDITIONAL EQUITY INJECTION!

Rates are low, and banks are heavily discounting these notes. This note discount opportunity is a HUGE OPPORTUNITY for property owners to take advantage of it. Most of the refinances we do involve a discount on a note in some way, shape or form. It is an AWESOME opportunity for the MILLIONS of property owners with notes to be discounted over the next few years. We are at the forefront of that opportunity for refinancing nationwide. We can finance up to 100% of the discounted value!

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Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929 or 813-833-3132
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!" WE ARE SERIOUS ABOUT IT.
WHAT WE DO IS IMPORTANT. WHAT WE DO IS NEEDED. THE OPPORTUNITY IS AWESOME.

SBA 504 Refinancing Program Update

2011-10-16T19:05:00.001-04:00

SBA Launches Major Changes to 504 Debt Refinancing Program

Key Program Features:

Up to 90% LTV on refinances

Refinance existing debt

Use excess equity to obtain working capital that can be used for financing of eligible business expenses

Cash out potential

Low fixed rates

No balloons

Click here for more information about the SBA 504 Refinancing Program

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Commercial Lending Pros

Commercial Capital Limited

Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929

Fax: 863-877-4456

Email: loans@commerciallendingpros.com

Website: CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!" WE ARE SERIOUS ABOUT IT.

IMPORTANT Business Financing Update! Major Changes to SBA 504 Debt Refinancing Program

2011-10-13T16:51:00.000-04:00

SBA Launches Major Changes to 504 Debt Refinancing Program
Key Program Features:

· Up to 90% LTV on refinances

· Refinance existing debt

· Use excess equity to obtain working capital that can be used for financing of eligible business expenses.

· Cash out potential

· Low fixed rates

· No balloons

SBA launched this temporary program on Feb. 17, 2011, and began accepting loan applications on February 28, 2011. The program will end on September 27, 2012.
Beginning October 12, 2011 borrowers can finance up to 90 percent of the appraised value of available collateral, which could include fixed assets acceptable to SBA (for example: commercial or residential real property). This allows borrowers with more than 10 percent equity to be able to obtain additional proceeds to pay for eligible business expenses.
In April, SBA expanded the program parameters by allowing any business with a commercial mortgage that is two or more years old to refinance its debt, regardless of maturity.
The program is structured like SBA’s traditional 504 loan program: borrowers will work with third-party lending institutions and SBA-approved Certified Development Companies (CDCs), typically private, non-profit organizations to obtain financing, in a traditional 10%/50%/40% split. However, the program no longer requires the Third Party Lender to be 50 percent of the Project. The Third Party Lender amount must be equal to or greater than the SBA amount. This allows the small business to maximize the amount of long-term, low interest, fixed rate financing available.
Click here for more information about the SBA 504 Refinancing Program

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

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Following is a summary of the refinancing program changes as published Oct. 12, 2011, in the Federal Register:

* Third Party Lender Loan – The third party lender loan is no longer required to be at least 50% of the appraised value of the 504-eligible fixed assets. Now, as in the regular 504 loan program, the third party lender loan must be at least as much as the 504 loan.
* Financing Business Expenses – A borrower may now use its equity to finance eligible business expenses as part of the refinancing project provided that the amount of cash funds available to pay business expenses exceeds the amount to be paid to the lender of the qualified debt being refinanced. The borrower’s application must include a specific description of the business expenses to be financed and an itemization of the amount of each expense.
"Eligible business expenses" is defined as expenses of the borrower, such as salaries, rent, utilities, inventory, or other obligation of the business that were incurred, but not paid prior to date of the 504 loan application or that become due for payment within 18 months after the date of the application.
Both the CDC and borrower will be required to certify in the application that the funds will be used to cover the eligible business expenses of the borrower. The borrower must, upon request, substantiate the use of funds to finance the business expenses (for example, through bank statements, invoices marked "paid," cleared checks, etc.).
* Qualified Debt – Because the qualified debt to be refinanced may have been refinanced one or more times previously with the borrower using its equity at that time to finance working capital or other expenses, the SBA has amended the regulation to provide that as follows: if the eligible fixed asset was originally financed through a commercial loan that would have satisfied the “substantially all” standard of 85% and was subsequently refinanced one or more times with the current commercial loan being the most recent refinancing, then the current commercial loan will be deemed to satisfy the "substantially all" standard. The borrower must certify that the existing debt satisfies the applicable requirements and the third party lender must certify, as part of the 504 loan application, that it has no reason to believe that the existing debt does not satisfy these requirements.
On a random basis, the SBA may require the borrower and/or lender to submit additional documentation to support these certifications prior to closing the debenture, including the documents for the original loan used to acquire the fixed asset and subsequent refinancing documents to show that the current commercial loan is the most recent refinancing. The SBA will cancel an approved 504 loan if the documents do not support the certifications. If the borrower and/or lender are unable to produce the additional documentation, each must certify that it has made a diligent search for the documents and that the documents are not in its possession. The SBA will not cancel an approved loan solely because the borrower and/or lender are unable to produce the documentation unless the lender is the original lender who made the original loan to acquire the 504-eligible fixed asset (and not a lender who acquired or merged with the original lender.)
This same change in the "substantially all" standard has also been made for the 504 permanent expansion debt refinance program.
* Occupancy – The original loan may not have satisfied the percentage occupancy requirements of 51/49% for an existing building or 60/20/20% for new construction. The final regulations provide that as long as the borrower can demonstrate that it now occupies at least 51% of the building as of the date of 504 loan application, the percentage occupancy requirements are met.
* Current on Payments – The definition of “current on all payments due for not less than one year” has been amended to allow a borrower to be deemed current as long as during the 12-month period prior to the date of 504 loan application, no payment was more than 30 days past due under either the original payment terms or under modified payment terms (including deferments). Any modification of payment terms must have been agreed to in writing by the borrower and lender prior to Oct. 12, 2011, when the final regulations were published. The SBA reserves the right to decide whether modified repayment terms would preclude refinancing.
* Closing Period – Temporary debt refinance 504 loans must be disbursed within six (6) months after loan approval unless an extension for good cause has been granted. Extensions of the disbursement period up to an additional 3 months may now be granted for good cause.

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Contact Us

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

SBA to Reduce Loan Guarantees in 2012

2011-10-12T10:31:00.001-04:00

SBA Lending in 2012 Gets a Haircut - Entrepreneur
There isn't much business owners will miss about the last couple of years, except for perhaps the Small Business Administration's beefed-up loan guarantee program. In 2009 and 2010, the Small Business Administration was able to temporarily eliminate loan fees and increase loan guarantees to 90 percent for certain loans. The moves were part of the American Recovery and Reinvestment Act of 2009, the Small Business Jobs Act of 2010 and subsequent extensions. By 2011, the program had ended, but interest in SBA lending remained heightened during the first quarter. . . . keep reading about Small Business Lending

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Contact Us

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

S.B.A.-Backed Lending Set a Record in 2011

2011-10-07T12:50:00.001-04:00

SBA-Backed Lending Set a Record in 2011 - NYTimes
In all, by the end of the S.B.A.'s fiscal year, on September 30th, gross loan approvals reached $19.6 billion in the agency's general business, or 7(a), loan program and $4.8 billion in capital investment loans issued in what's known as the 504 program. In just the first quarter of the year (the last three months of calendar year 2010), the agency approved $9 billion in 7(a) loans, nearly as much as it had approved in all of 2009. Gross loan approvals, which reflects totals before canceled loans are subtracted, is how the agency commonly reports its lending statistics. . . . keep reading about Small Business Lending

At Commercial Capital, we are busier than we ever have been and, since most of our loans are to small businesses. Many of the CDC’s are also having very good years (CDC’s are companies that administer the seconds on SBA 504 loans). If the SBA is busy, then again, small businesses are working. There is almost a mini-boom happening in franchising right now. It seems like every franchise out there is very busy, which again, means new businesses are starting. This means jobs are being created. I am seeing another big trend-a lot of boomers are quitting corporate America for good, cashing out or rolling over their IRA’s and, starting their own businesses. Now financial planners may cringe at that point, but the owners we speak to are putting it this way, “These large companies I have invested in don’t seem to be very “with it” and, with so many risks, I feel better controlling my own destiny”.

SBA 7(a) (We are Preferred Lenders)
SBA 504 (We are Direct Lenders)

Competitive rates and terms
Purchase or refinance of commercial real-estate, with cash out permitted
SBA-guaranteed fee can be financed in most cases

We can get deals closed. Our Company Mission Statement is this, "Commercial Capital brings funding sources from around the country to the local business owner and investor to help keep this economy moving!" WE ARE SERIOUS ABOUT IT. WHAT WE DO IS IMPORTANT. WHAT WE DO IS NEEDED. THE OPPORTUNITY IS AWESOME.

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Contact Us

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Fax: 863-877-4456
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing

5 creative ways for a small business to save

2011-10-05T10:31:00.001-04:00

5 creative ways for a small business to save

You can't control the economy, but you can control what you spend on your company. This is great article with good ideas from the September 26, 2011 issue of Fortune…Read more about Small Business.

Visit us at http://CommercialLendingPros.com for more information or submit a loan scenario for pre-approval at http://www.CommercialLendingPros.com/102/325

Contact Us

Commercial Lending Pros
Commercial Capital Limited
Florida Real Estate & Commercial Loans, Inc.

Tel: 863-299-2929
Email: loans@commerciallendingpros.com
Website: www.CommercialLendingPros.com

Your #1 Source For Commercial & Business Financing