SBA

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Thinking of Requesting a Rate Lock?

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Thinking of Requesting a Rate Lock?

In today’s rising rates environment it is understandable that people looking for financing are anxious about closing their loan before rates go up again. There are some lenders who allow rate locks on commercial real estate loans, but there are pros and cons to locking in your rate.

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A Quick Guide To Commercial Real Estate Appraisals

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A Quick Guide To Commercial Real Estate Appraisals

Commercial real estate appraisals differ from residential appraisals, so if you have ever bought a house and experienced the appraisal process, it will be different for commercial real estate. Commercial appraisals are done for multifamily properties with 5 or more units or any other commercial property type like industrial properties, office buildings, retail, or hotels, etc.

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Understanding CRE Loan Terminology

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Understanding CRE Loan Terminology

If you have ever taken out a car loan or residential mortgage loan, chances are you are familiar with some of the basic loan terminology that is used. When it comes to commercial real estate (CRE) loans, the vocabulary opens up and even more terms are used that you may not be familiar with.

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Does Your Commercial Property Have a Strong Rent Roll?

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Does Your Commercial Property Have a Strong Rent Roll?

Just like commercial real estate properties come in all shapes and sizes, so do their rent rolls. When it comes to purchasing or refinancing a commercial property, the lender always requests to see the rent roll. The rent roll for a commercial property can actually determine how high of leverage a lender is willing to go on a loan.

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Considering an Industrial Property Loan?

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Considering an Industrial Property Loan?

Industrial properties have seen some success in recent years. With property values increasing along with rents, an industrial property might make for a good investment right now. If you are considering your first industrial property investment, here are just a few things to consider.

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What is a Personal Guarantee? (For Small Business Owners)

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What is a Personal Guarantee? (For Small Business Owners)

A personal guarantee means you personally promise to pay back a business loan in the event your business is unable to cover repayment of the loan. If your business defaults, the lender can come after your personal assets and real estate.

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Do You Have An Exit Strategy?

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Do You Have An Exit Strategy?

Thinking of buying a commercial real estate property? Do you have an exit strategy already in mind? Planning an exit strategy is one of the most important things you can do before you buy a property. Here are some common exit strategies that investors use:

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What Are Commercial Real Estate Loan Prepayment Penalties?

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What Are Commercial Real Estate Loan Prepayment Penalties?

It is common to see prepayment penalties on commercial real estate loans, but what are they and what do they mean? Commercial real estate loans are expensive to originate, so lenders try to recoup these costs by charging upfront origination fees and interest revenue over the life of the loan.

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What Commercial Real Estate Investments Are Recession Resistant?

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What Commercial Real Estate Investments Are Recession Resistant?

Can your investments handle a recession? Certain types of real estate can be a hedge for a recession. Today we will discuss 3 examples of CRE that are historically recession resistant.

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Buying Your First Commercial Property in Charlotte?

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Buying Your First Commercial Property in Charlotte?

Buying a commercial property can be complicated, even for seasoned commercial real estate investors, let alone a first timer. What makes it easier is to have a team of experts on hand that will help you through the process.

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What are Small Balance Commercial Real Estate Loans?

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What are Small Balance Commercial Real Estate Loans?

Small balance commercial real estate loans are a type of mortgage in an amount ranging from $250,000 to $5,000,000 (amounts vary by lender). There are many options for full documentation, low documentation, and no documentation small balance commercial mortgages.

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Hotel & Hospitality Financing

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Hotel & Hospitality Financing

Hotel and hospitality financing can be quite daunting and complex for new and experienced investors and managers. Whether you are acquiring an existing asset, constructing from the ground up, rehabbing or repurposing a project, the capital structure can vary greatly.

Considering Buying a Business?

Considering Buying a Business?

Business acquisition loans are a type of small business loan designed for purchasing an existing business or franchise. Regardless if you end up getting a term loan or an SBA loan, there are still quite a few documents that you need to have ready for review. Not only will the lender look at your current business financials (if applicable), but they will also want to look at the financials of the business you are considering purchasing.