626-551-9841Commercial Loan Concierge

Private Lending

Private lending entails the pooling of various investors monies.

Interest rates increase relative to institutional loans.

The loan to value percentage reduces to 50 or 65%.

The loan application is smaller about two pages. Financial documentation is less. As long as the

loan makes sense, the loan can close in as little as 10-14 days.

clcapitalpartners.com

Institutional LendingInstitutional lending for commercial and

residential properties is more paper intensive.

Interest rates are lower, generally.The borrower can achieve 95% loan to value. The credit needs to be 680 and above. The process becomes very involved and the

amount of time it takes to close increases to 45-60 days.

www.fanniemae.com

Commercial Development

Commercial development entails a wide variety of project financing.

Tract home building, shopping mall construction, golf course production, oil and gas lines installed, electrical grid production present just some of the areas this part financing helps build.

When dealing with these types of projects, funds come from the financial markets.

Debt Financing

Debt financing allows a small or large business to retain full control of the business.

It allows the business to borrow against its various forms of collateral.

This collateral can come in many forms. Some of these forms include: accounts

receivable, equipment, real estate, and goodwill invested in the business.

www.mint.com

Equity FinancingEquity financing means you receive funds

from a venture capitalist. He or she takes a percentage stake in the

ownership of your enterprise. A good referral to update your understanding

watch Marcus Lemonis show, “The Profit,” on CNBC.

www.marcuslemonis.com

The Business PlanIn both cases, the customer must have a

command of their financials in detail. They must develop a detailed business plan. Read Rhonda Abrams book, “Business Plan in

a Day” 3rd Edition. She will outline the following:

 

The Business Plan Part IICreate the executive summary. It outlines

what your business does and who it serves.A company description explains how your

business model accomplishes its goals.Develop a target market. This market

represents the people or businesses that will benefit most from your business.

The Business Plan Part IIIPerform some research. Find out who your

competitors are. And how do they accomplish helping their customers.

Prepare a plan of action. How will you market your product or service? How will you generate sales?

Plan how your business will function more efficiently than your closest competitor.

The Business Plan IVBuild your management team with smart,

dependable people.Know where you want to be over time. Your

sales should start at X the first year and by 5 years should be Y.

Keep a good ledger of all dollars going in and coming out. Use Quickbooks so that every month you can prepare the necessary financial statements and check the health of your firm.