Commercial Loans


General Loan Types

Specific Loan Programs

1031 Real Estate Exchanges Acquisition and Development Cash Out Refinancing
Commercial Bridge Loans Construction Loans Conventional Financing
Corporate Loans Cross Collateral Loans Distressed Property Loans
Equity Financing Fixed-Rate Loans Foreign National Loans
Full Documentation Loans Green Energy Loans Hard Money Loans
International Loans Lines Of Credit Mezzanine Loans
Remodel & Renovation Loans Stated Income Loans Venture Capital

 
 

1031 Exchange:

According to Section 1031 of the United States IRS code, the sale and purchase of specific property types may qualify for deferment of recognition of capital gains or capital losses at the time of sale, hence any additional capital gain taxes are deferred that would normally be required. The sale or purchase of the properties must have been held for productive usage in business or trade investment. Bonds, stocks, and other qualified properties may be excluded under section 1031. Apply for a Commercial Loan Online

Acquisition & Development:

Acquisition and Development Loans; commonly referred to as (A&D loans) is a type of lending where an advance is used to purchase property. The complete cost of a project includes, the amount paid for the physical land, the costs for necessary improvement, in addition to soft costs that include commissions of sale, and an emergency reserve. A lender is normally responsible for contributing at least 25% of the total cost of the development project. Apply for a Commercial Loan Online

Bridge Loans:

A bridge loan is a type of loan and lending program that is utilized by an individual or company until they are able to attain permanent financing or are able to remove a prior debt or financial obligation. This type of lending is a short-term loan that is secured by some fort of collateral such as real estate or property. Apply for a Commercial Loan Online

Cash Out Refinance:

A cash out refinance is a second mortgage where the borrower elicits home equity simultaneously during a refinance deal. This type of lending program is an attractive alternative compared to a home equity loan. Apply for a Commercial Loan Online

Construction Loans:

Construction Loans are any type of loan where the proceeds are utilized in the financing of construction. This type of loan typically describes a lending program for construction and has stipulations such as reserves of interest. Repayment ability is normally based on a future occurrence that can only happen when a building project is completed. These types of loans are defined by different guidelines and monitor practices that standard loans to ensure completion of the project and the outstanding debt can be repaid. Apply for a Commercial Loan Online

Conventional Financing:

A conventional loan is a type of mortgage lending that is made without the involvement of any government agency. Conventional financing normally has a fixed loan term and mortgage rate. Apply for a Commercial Loan Online

Corporate Loans:

A corporate loan is a loan that is made to a business rather than an individual, these loans are made so a corporation has the required capital to purchase buildings, inventory, equipment and other required materials for the operation of the business. Apply for a Commercial Loan Online

Cross Collateral:

Cross Collateral Loans or Cross Collateralization is when the collateral for one loan is used as collateral for an additional loan. If a borrower uses multiple items of property to secure lending they are unable to sell the asset until all debts that the property has been used as collateral for has been repaid. Apply for a Commercial Loan Online

Distressed Borrows:

A form of lending provided to a person or company that is forced to borrow money because they require it to meet financial obligations or also to continue operations. Apply for a Commercial Loan Online

Equity Financing:

Equity Financing is raising capital by companies through activities such as selling stock and shares in their company to individual investors or larger institutions. As a return for their investment investors receive a stake in the company in the form of becoming a shareholder and possessing an ownership interest. Apply for a Commercial Loan Online

Fixed Rates:

A fixed rate loan is typically a mortgage loan where the borrower has the ability to keep their interest rate locked in at a pre-determined specified rate despite fluctuating market conditions during the life of the loan. Apply for a Commercial Loan Online

Foreign Nations:

A foreign national loan is reserved for a person who resides in another country and only travels to the US for limited periods of time on either business or vacation trips. The requirements to be eligible for a foreign nations loan are that the person has to legally reside in another country as well as be employed there. Non-documented and illegal immigrants are not eligible for this type of loan. Apply for a Commercial Loan Online

Full Documentation:

Full Documentation loans and lending refers to loan programs where the borrower has to declare their entire income and all of their assets. This is a commonly utilized loan for purchasing or financing a home. Apply for a Commercial Loan Online

Green Energy Loans :

Green Energy loans are a type of lending secured for the furthering of environmental protection and sustainability in a new building project or home, examples would be solar panels and wind energy. Apply for a Commercial Loan Online

Hard Money:

Hard Money lending is a type of loan that is used specifically in financing based on assets where the borrower receives money depending on the value of their real estate. These loans usually possess a higher interest rate than typical home or commercial loans such as standard fixed rate lending. Apply for a Commercial Loan Online

International Loans:

International Loans and lending by definition is any type of loan where capital crosses the border or is made offshore. This term is also commonly referred to offshore lending or cross border financing. Apply for a Commercial Loan Online

Lawsuit Funding:

Lawsuit Funding is anon-recourse cash advancement made for a pending lawsuit or settlement that doesn’t need to be repaid if the plaintiff looses their case. Apply for a Commercial Loan Online

Lines Of Credit:

A line of credit is a bank account that is available at the borrowers discretion that can be in many forms, such as, term loans, overdraft protection, demand loans, export packing credit, discounting, etc, that is an extension by a bank or financial institution to an individual, business, or government. Apply for a Commercial Loan Online

Mezzanine Loans:

A mezzanine loan is similar to a second mortgage and is secured by the stock of the company rather then real estate. These loans are structured as either debt or preferred stock. Apply for a Commercial Loan Online

Remodel-Renovation :

Remodel-Renovation lending allows you to tap into the existing equity of your home to finance home remodel and renovation projects. The great advantage of this is that you use existing equity to improve your home while increasing its overall market value. If done effectively the value added by improvements can far outweigh the costs of the initial loan. Apply for a Commercial Loan Online

Stated Income:

A stated income loan is a mortgage where the lender simply asks the borrower what their income is instead of looking at tax returns, W-2 forms, or pay stubs, also known as “liar loans.” Apply for a Commercial Loan Online

Venture Capital:

Venture Capital is a subset form of private equity known as financial capital; provided to high-potential and high risk companies in their seed and early startup stages. The average venture capital investment usually involve business models or high technology industries, such as software, IT, bio-technologies, etc. Revenue is acquired by owning equity in the companies that the venture capital fund money’s invested into with hopes of an eventual realization event, such as a trade sale of the company. Apply for a Commercial Loan Online

 
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