Financial Solutions. For Commercial Property Owners, Real Estate Investors and Business Owners
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1 Financial Solutions For Commercial Property Owners, Real Estate Investors and Business Owners Directory of Funding Sources for Small Balance Commercial Loans and Business Loans Compliments
2 This Directory contains financial solutions for commercial property owners, real estate investors and business owners who need money and loan sources they can rely on.* Let s face it it s very challenging to get a commercial mortgage loan or business loan in today s credit markets. Many community, regional and big banks are not making mortgage loans or business loans no matter how well qualified you are as a borrower or how high the grade of your commercial property. Banks just have too many bad loans on their books; need to increase their cash reserves or just plain scared of taking on any new loan risks. Commercial Property Owners (see page 2) Since our database of commercial property lenders have minimum requirements of $500,000 or $1 Million, I have done research for you to help you find a lender for your loans under $500,000. Real Estate Investors with Rehab and Flipper Projects (see page 4) In today s credit market, banks won t give you the time of day for a rehab loan; hard money lenders want an arm and a leg before handing over any money to you; or your personal credit cards and Home Depot card all already tapped out. I have two exceptional solutions for you to get the money you need for your project, whether it s $10,000, $50,000, $200,000 or $5 million or more in a short period of time. Business Owners (see page 7) Even if you have been a great customer with a bank for years, they may still turn down your business loan request if they have too many bad loans on their books or need to increase their cash reserves. I have three exceptional solutions for you to get the money you need for your business project. Warmly, N. Monk Commercial Mortgage and Business Lending Advisor P.S. Keep this document in your file drawer or hard drive for handy reference. When you come in contact with someone looking for the financial solutions presented in these pages, be sure to share this with them they ll love you for it! 1
3 Small Balance Commercial Lender Directory Lender LNB Commercial Capital 20 E Main St., Maple Shade, NJ Phone: (856) // Fax: (856) Sampling of loan types and terms they fund * Loans up to $500k * Rates 9-12% Range, Term 25 Year Fixed, Max 70% LTV * Prepay 5% Year 1, 4% Year 2, 3, 2, and 1, with no lockout * Credit Down to 600 * Most Property Types Considered * No Upfront or App Fees * Approval 48-72hrs with Close days All we need is our short app, 1003, trimerge, rent roll if applicable, and digital pictures. Love the mom and pop businesses i.e. pizza shop, mixed use, auto repair, retail, etc. We also have a bridge / hard money program for loans over $500k. For property owners that are upside down or in trouble we offer commercial loan modification & commercial debt settlement programs. The opportunity is staggering on these later programs. They are your growth engine and can generate significant revenues. ABO Capital Wilshire Blvd. 194 Los Angeles, CA (310) Fax (310) Commercial Loan Center LLC Located in Pennsylvania California only lender $150K to $15M Reduced Doc and Impaired Credit, Creative Lending Without FICO * Residential and Commercial Lending 1st TD 60% LTV 2nd TD 60% CLTV Purchases: 90% CLTV Seller Concessions OK * Apartments, SFR 1-4, Office, Retail, Industrial, Bars, Bakeries, Mixed Use, Storage, Medical Office, Special Purpose * 1-4 Residential Owner Occupied for one year term with good exit strategy * First Trust Deeds and Second Trust Deeds * Interest only to 5 year fixed Bridge Loans Construction Multifamily Programs and Stated Income Commercial Programs Small Balance Stated Income Portfolio Program * Credit from 600+ * Loan Amounts from $75,000 to $500,000 * No upfront fees - Appraiser paid COD * Fixed Rates 10% - 13% * 15, 20 and 25 year AM fully amortized Eligible Property Types Multifamily 5+ // Mixed Use // Office // Retail // Self Storage // Warehouse Automotive // Hotel/Motel // Light Industrial // O/O Bars and Restaurants and more 2
4 Commercial Capital Funding Commercial Capital Funding Corporate Office 6939 Sunrise Blvd. Ste. 270 Citrus Heights, CA Phone Fax ##### Commercial Capital Funding Sacramento Branch 9310 Tech Center Dr. Ste #250 Sacramento, CA Phone Fax *100K to $4M * No Balloon Payment * Flexible Underwriting * Quick Closings * Simple Documentation * Rate locks available at no cost ##### * Multi use commercial program: $100K to $4M Warehouse Mixed Retail with Office Mixed Use Commercial and Residential Light Manufacturing & Industrial Office Office Condo Industrial Condo Dental Office Medical Office Retail * SBA 504: $100K to $4M * California Gold Program: $250K to $$M // full doc and stated loans // Cross-Collateralization Available // Religious Related Structures OK // Commercial Rehab Program // Non-Fico Driven * Hospitality Properties: Loan Amt: $500k 10mil 660 min. credit score Up to 85% CLTV Purchase, Refinance and Cash Out Refinance Adjustable, 3, 5 year terms 85% Owner Occupied Purchases (SBA 504) 65% Purchase (Non-SBA, up to 85% CLTV) 65% Refinance / Cash-out Freedom Capital, LLC South 30th Drive Phoenix, Arizona Phone: info@freedomcapital.biz T&M Commercial Funding Located in Maine * $150K to $5M, * Full doc only, low LTVs mostly 60-65%...except for SBA, low bank rates * No apartment loans * Construction loans // construction to perm * Many types of properties are eligible including a * Niche property they will lend on is S.F.R. Converted to Commercial Use * $25K to $750K * Property types: Cash-flowing properties. OK if underperforming: office // retail // apartment // mobile-home parks // warehouse/industrial // hotel/hospitality * Construction/Rehab projects: We can do deals with a renovation or limited construction component. 3
5 Real Estate Investor Money Sources for Rehabs and Flippers If you have a residential or commercial rehab project you can get the money you need whether it s $10,000, $50,000, $200,000 or $5 million or more in a short period of time. You can have access to this kind of money: Without good personal credit scores Without tax returns and financial statements Without collateral The Two Best Ways To Raise Money For Your Rehab Project Are: 1. Obtain Business Lines of Credit 2. Get All the Money You Want From People, Not Banks I m going to give you a brief overview of these two options in this section. All the details are available at our main company website: Overview of Option #1: Obtain Business Lines of Credit As a business owner (you are running your real estate investing like a business aren t you?) you can tap into unlimited funds, as needed, by establishing and using business lines of credit. With no personal guarantees and regardless of what your personal credit looks like, your good business credit score will give you access to all types of lines of credit at the best interest rates. Imagine having these types of lines of credit at your fingertips: Chase Bank: $180,000 line of credit Key Bank: $90,000 line of credit Home Depot VISA: $35,000 line of credit Sam s Club Discover Card: $10,000 Race Track Discover Card: $25,000 Arco Gas Card: $10,000 Arco Master Card: $5,000 line of credit Dell Computers: $20,000 line of credit GM/Ford Fleet Car Credit: $100,000 line of credit Chase Corporate Card: $25,000 T-Mobile: $5,000 US Bank Corporate VISA: $10,000 line of credit Target: $10,000 line of credit Chevron: $10,000 line of credit Wright Express Mastercard: $25,000 Office Max: $8,000 Costco Credit: $25,000 4
6 How Do you Go About Establishing Business Lines of Credit in the Shortest Amount of Time While Avoiding Costly Mistakes? Business owners are faced with two primary options when it comes to establishing and building business credit: One option is to hire an expensive consulting service. If you ve surfed the web checking out pricing, you ve likely seen prices ranging from $1,000 to $1,500 or more. Other services charge monthly membership fees of $200 to $300 a month to mentor you. The other option, which I highly recommend, is do it yourself using what we ll call a Virtual Expert Consultant for a fraction of the price I ve done the research for you and have found an excellent Business Credit Building Guidebook: This guidebook will walk you through a comprehensive step-by-step system that has helped a countless number of business owners raise capital with proven strategies that still work in this economic environment. Just follow the step-by-step instructions laid out in the course and you can be on your way to getting all the funding you need in the next 30 days or less no matter whether your business is brand new or if it has been around for years. And the best part is (unlike other funding systems) you won t be locked in on a single use for this money either; in fact you ll be able to use it for ANY purpose you like. For more details and success stories from individuals who have applied the strategies you will learn about to establish business lines of credit go to: Overview of Option #2: Get All the Money You Want From People, Not Banks This is one of the easiest ways to raise money without credit, a job, and NO PERSONAL GUARANTEES, namely, to get funding from regular people, not banks and you ll get it faster, easier and without limits as to how much you can borrower think what you could do with that kind of borrowing power! Using this strategy of private lenders gives you the ability to raise an unlimited amount of money quickly, into the millions. This is a huge advantage over using business lines of credit. Why would regular people want to loan you money? Because they are looking for a better return on their money than what their Certificate of Deposits are paying or other very low interest rate investments and they have the security of the real estate you are buying. 5
7 Imagine being able to pick up the phone to call a friendly private lender to tell them you have a real estate deal and getting a check to close the deal in 2-3 days with minimal paperwork and NO PERSONAL GUARANTEES. So how do you go about finding these private lenders and presenting your loan request? We ve done the research for you and have found an excellent DIY Turn-Key Private Money System to help you: Keep in mind, that raising private money is not as simple as putting an ad in the paper. If you make the wrong first impression on your potential private lender, you ll be dismissed as an amateur or fly-by-night and it will be difficult to ever reverse that perception. Lenders need to trust you to complete your business plan and generate profits, make timely loan payments (if there are any), and pay off the loan balance as agreed. The expert and author who created this Private Money System has raised millions of dollars for his own real estate investing projects, so has the system down to a science. The Private Money System has two main marketing features to help you #1. Marketing Tools to Attract Private Lenders: You will use a web-based software with five magnetic marketing tools that ll make your phone ring off the hook with prospective lenders. #2. The Luncheon Presentation System You will use a Million Dollar Luncheon Toolkit that includes a PowerPoint presentation, Parade of Homes slideshow and all the handouts and related marketing pieces to use during the luncheon. You will come off very professional and polished and be able to make your presentation to a group instead of one at a time for tremendous leverage of your time and resources. For more details on the Private Money System to raise unlimited amounts of money and to read success stories of investors who have used this program, go to: 6
8 Business Loans As I mentioned at the outset, in today s credit market, even if you have been a great customer with a bank for years, they may still turn down your business loan request or they may even reduce your credit lines if they have too many bad loans on their books or need to increase their cash reserves. I will present to you the three best business loan options and you can decide which one will work best for your situation to obtain with our assistance. In this section, I m going to give you a brief overview of the three best business loan options and you can decide which one will work best for your situation to obtain with our assistance. All the details are available at: Option #1: Factoring Accounts Receivables You can sell your accounts receivables to a factoring company and receive up to 90% of the money and then, later, collect the full amount due from you or your customer. Factoring companies make their profit on the fees they charge for their services, which start at around 1.5% of the financed receivables. Factoring gives you instant cash, thus stabilizing your cash flow while reducing overhead. It also relieves your accounts receivables department from having to grant credit or risk larger invoices with clients. We work with a lending source that will give you a free, no-obligation, quote. Go to our website to send us an to get started: Option #2: Factoring Credit Card Sales, aka, Merchant Cash Advances You can obtain a cash advance against your Visa, MasterCard, American Express and/or Discover sales. This is a good business lending solution for solid retail, restaurant and service businesses. Tough deals can get done that traditional lending institutions won t touch. The lender will evaluate the business, not the business owner s credit score. Program Highlights: Loan amounts of $25,000 to $1 Million Credit decisions typically within 24 to 48 hrs Funded typically within one week Over 90% of applications APPROVED No real estate security or ownership requirements No personal guarantees No credit score requirements or qualifications No verification of income or assets. We work with a lending source that will give you a free, no-obligation, quote. Go to our website to send us an to get started: 7
9 Option #3: Establishing Business Lines of Credit You may find this option the most flexible if you do not need funds in a matter of days. However, you can obtain tens of thousands of dollars in business credit typically within 30 days and use as needed. The good news is, if you are starting a new business or growing your existing business you can get the money you need whether it s $10,000, $50,000, $200,000 or $5 million or more in a short period of time. You can have access to this kind of money: Without high credit scores Without tax returns and financial statements Without collateral Business owners can tap into unlimited funds, as needed, by establishing and using business lines of credit. With no personal guarantees and regardless of what your personal credit looks like, your good business credit score will give you access to all types of lines of credit at the best interest rates. Imagine having these types of lines of credit at your fingertips: Chase Bank: $180,000 line of credit Key Bank: $90,000 line of credit Home Depot VISA: $35,000 line of credit Sam s Club Discover Card: $10,000 Race Track Discover Card: $25,000 Arco Gas Card: $10,000 Arco Master Card: $5,000 line of credit Dell Computers: $20,000 line of credit GM/Ford Fleet Car Credit: $100,000 line of credit Chase Corporate Card: $25,000 IBM PC: $50,000 T-Mobile: $5,000 US Bank Corporate VISA: $10,000 line of credit Target: $10,000 line of credit Chevron: $10,000 line of credit Wright Express Mastercard: $25,000 Office Max: $8,000 Costco Credit: $25,000 Many more types of business financing How Do you Go About Establishing Business Lines of Credit in the Shortest Amount of Time While Avoiding Costly Mistakes? Business owners are faced with two primary options when it comes to establishing and building business credit: 8
10 One option is to hire an expensive consulting service. If you ve surfed the web checking out pricing, you ve likely seen prices ranging from $1,000 to $1,500 or more. Other services charge monthly membership fees of $200 to $300 a month to mentor you. The other option, which I highly recommend, is do it yourself using what we ll call a Virtual Expert Consultant for a fraction of the price I ve done the research for you and have found an excellent Business Credit Building Guidebook: This guidebook will walk you through a comprehensive step-by-step system that has helped a countless number of business owners raise capital with proven strategies that still work in this economic environment. Just follow the step-by-step instructions laid out in the course and you can be on your way to getting all the funding you need in the next 30 days or less no matter whether your business is brand new or if it has been around for years. And the best part is (unlike other funding systems) you won t be locked in on a single use for this money either; in fact you ll be able to use it for ANY purpose you like. For more details and success stories from individuals who have applied the strategies you will learn about to establish business lines of credit go to: ###### Thank you for your kind attention as your read the recommendations for getting the money you need in today s challenging lending environment. Remember, to go to our company website for more details: Best wishes and much success, N. Monk 9
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