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About Us, commercial insurance tucson.

#Commercial #insurance #tucson


commercial insurance tucson

Commercial insurance tucson

Commercial insurance tucson

Jason Shipsey is a licensed independent insurance agent. He has held insurance licenses in the state of Arizona since 2007 and has recently expanded to California, Texas, Utah, Colorado, Oregon, Washington, New Mexico, Nevada, Florida, Maine, Mississippi, and Oklahoma. Jason’s primary focus is working with businesses and the personal lines of the business owners. Jason specializes in providing coverage to the following industries: healthcare, contractors, professional- E O, EPLI, and transportation.

Prior to founding Shipsey Insurance Group, Jason worked for American Family Insurance, State Farm Insurance and Bankers Life and Casualty Insurance. Jason attended the University of Arizona and received a Master’s degree in Finance and a Bachelor of Art in Psychology.

In his free time, Jason enjoys spending time with family and friends, camping, hiking, weight lifting, and swimming. He is an avid University of Arizona sports fan. Jason volunteers for The Foothills Club which raises money to support children charities in Tucson.

Commercial insurance tucsonDaniel Ortiz has a long record of working with clients in the Insurance and Financial services industry since 2008. He is a Tucson native, bilingual in both English and Spanish, and understands the unique local environment; College community, Snow Birds, International travelers, and Hispanic heritage. He provides full service commercial and personal insurance evaluations. He is licensed in Property and Casualty, Health and Life Insurance.

Commercial insurance tucsonSheryl Bourff, originally from Indiana has been in the Insurance and Risk Management industry over 30 years, in several states. Shipsey clients will find this tenure has given Sheryl a diverse knowledge base with which to serve your needs.

Sheryl’s extensive background includes having worked on both the Company and Agency sides of the industry. She prefers Agency positions where it is possible to develop strong and lasting Agent Client relationships. Sheryl being reared in a family of insurance agents has never doubted that Insurance and Risk Management is her natural calling.

Sheryl and her son have been residents of Arizona for three years. Sheryl’s non-work time is filled with family activities involving her son Camden and participates in his achievements in academics and music. Sheryl and Camden are both active in the community by volunteering to make our community a better place.

Commercial insurance tucson




Commercial Auto and Truck Insurance from Titan Insurance, commercial auto insurance california.

#Commercial #auto #insurance #california


Commercial Auto and Truck Insurance

As a business owner, you want the commercial auto insurance coverage you need at a price you can afford. Titan offers commercial vehicle insurance in 17 states.*

Keep your business rolling with commercial vehicle insurance

You rely on your business vehicles to help keep you in business. Just one driver error that leads to an accident or breakdown could put you on the sidelines. Titan commercial vehicle insurance policies are specially designed for businesses that operate vehicles in a wide range of sizes and functions — from private passenger vehicles to 80,000 pound (Gross Vehicle Weight) commercial trucks. Titan also insures risks that may not qualify with many standard or preferred commercial insurance programs.

Make sure your commercial cars and trucks are covered

Protecting your business fleet is not quite like protecting your personal auto. You likely have more company vehicles you’re responsible for and they spend more time on the road. A Titan commercial vehicle insurance policy can help protect your rolling investment by covering:

A Titan representative can give you more details and determine whether your business qualifies.

Company car insurance coverage options

Titan has the commercial vehicle coverage options you need. Talk to our expert insurance agents today about the best options for your business, including:

  • Body Injury/Property Damage Liability
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist Bodily Injury
  • Hired Auto Liability or Employer’s Non-ownership Liability protection

Discounts on commercial vehicle insurance

Find out if you qualify for discounts on your Titan commercial vehicle insurance policy, including our paid in full, years in business, multi-coverage or Commercial Drivers License (CDL) experience discounts.

Contact Titan for a free commercial auto insurance quote today

Because every business is different, Titan offers customized commercial auto and truck insurance to meet specific needs. To learn more about our commercial vehicle program and how we can help protect your business:

*Titan’s Commercial Vehicle Insurance program is available in the following states: AL, AZ, CA, FL, GA, IN, MD, MO, OH, PA, SC, TN, TX, VA and WA.

Availability of products, product discounts and coverage may vary by state.

Make a Payment

Commercial auto insurance california


Avocat Mornant, Lyon, avocat droit des affaires Givors, avocat specialiste bail commercial.

#Avocat #specialiste #bail #commercial


Cabinet d’avocats а Mornant, Lyon

Renaud Soulier Avocats Sociйtй d’Avocats inscrite au Barreau de Lyon

Le cabinet d’avocats en droit des affaires, RENAUD SOULIER AVOCATS, situй а MORNANT 69440, а 25 kilomиtres de LYON et de VIENNE, intervient dans le domaine de la transmission de sociйtйs et le contentieux commercial.

Avocat-conseil, Renaud SOULIER Avocats, sociйtй inscrite au Barreau de Lyon depuis prиs de 20 ans, traite les dossiers en matiиre de droit des affaires, savoir ce qui touche l’actualitй йconomique et juridique des sociйtйs.

Je dispose de par ma formation d’une double casquette d’avocat reprйsentant les intйrкts des particuliers ou entreprises devant les tribunaux compйtents et de conseil dans la mise en oeuvre de projets d’entreprises et avec le respect de ma dйontologie professionnelle.

Vйritable stratиge, l’avocat conseille et assure le cadre juridique adaptй а la problйmatique de la transmission de l’entreprise, par l’anticipation, le diagnostic et la mise en place de solutions juridiques fiables.

Mornant situй dans les Monts du Lyonnais entre Lyon, Vienne et Saint-Etienne compte de nombreuses entreprises dans tous secteurs d’activitй.

Mon terrain de jeu s’йtend partout oщ par recommandation, le client a besoin de mon expertise; par exemple а la Cour d’Appel d’ANGERS pour un contentieux prud’homal ou а Montpellier pour un litige devant le Tribunal de Grande Instance concernant un bail ou а Arcachon pour assister un dirigeant qui cиde son entreprise etc.

Le rфle de l’avocat-conseil, qui est le seul spйcialiste du droit pour en maоtriser tous les aspects-conseil et contentieux, est d’кtre aux cфtйs du client pour mettre en place et valider le cadre juridique de la transmission le plus adaptй au contexte.

LES MISSIONS D’ASSISTANCE JURIDIQUE DE L’AVOCAT

En parallиle des dossiers de transmission d’entreprises, le Cabinet RENAUD SOULIER AVOCATS situй а MORNANT 69440 intervient en matiиre de secrйtariat juridique courant et exceptionnel d’assemblйes gйnйrales de sociйtйs de tous types.

Ainsi, il peut porter assistance dans la crйation d’entreprises, transforme, dissout les sociйtйs, participe en qualitй de conseil et rйdacteur de l’acte aux opйrations de restructuration de capital.

Je rйdige йgalement de nombreux contrats en matiиre de droit commercial.

LES MISSIONS DE REPRESENTATION JUDICIAIRE DE L’AVOCAT AVOCAT PLAIDANT DEVANT LES JURIDICTIONS CIVILES, COMMERCIALES ET PRUD’HOMMALES

Renaud SOULIER AVOCATS porte йgalement la robe d’avocat pour dйfendre les dossiers contentieux devant le tribunal de commerce ou de grande instance en matiиre de baux commerciaux, concurrence dйloyale ou de recouvrement de crйances.

Ainsi, vйritable partenaires des institutions, l’avocat-conseil est un virtuose du droit et un architecte de solutions juridiques sйcurisantes pour le client.

En septembre 2015, passez а l’action et contactez le Cabinet RENAUD SOULIER AVOCATS situй а MORNANT 69440 а 25 kilomиtres de Lyon et de VIENNE.


How to get a business loan, options & requirements, Business Victoria, business commercial loan.

#Business #commercial #loan


#

Apply for a business loan

Not what you’re looking for?

  • Choosing a loan you need
  • Improve your loan approval chances
  • Risk assessment

When applying for a business loan, it’s essential to prepare a detailed business plan and fully inform the lender about your proposed venture. This information helps the lender to provide you with the right type of finance and advice.

Deciding that your business needs a loan is only the first step. There are a number of things to consider before you approach a lender:

  • how much do you need to borrow?
  • what type of loan will you need?
  • how long will you need it for?
  • can the business afford to repay the loan, interest and any one-off or ongoing fees that come with the loan
  • what security can you offer the lender and how this affects the interest rate offered.

Online repayment calculators are a good tool in researching options but make sure you take the following into account:

Access to funds you borrow

If you need to access the funds on a semi regular basis to help with cash flow to keep the business operating while waiting for your customers to pay for goods, ‘at call’ loans such as an overdraft or line of credit are designed for this purpose. However, if you need the funds to buy a new business or equipment to expand your existing business you will need the funds ‘upfront’. This is also known as a ‘fully drawn advance’ and provides you with the entire loan amount all at once.

Loan terms

Loans provided upfront will need a portion of the loan plus interest paid back at regular intervals. The repayment amount will depend on the term or length of the loan. To determine the loan term suitable for your business you will need to calculate how much you can afford to service the loan. Be aware that the longer the loan term the more total interest you will pay. Loans that are at call have no fixed terms.

Ongoing funding

This is the average amount of an overdraft or line of credit that is used at any one time. For example, you may wish to have an overdraft limit of $20,000 to provide money for the occasional big expense, but usually you won’t use more than $5000 of that credit limit on average. So in this case $5,000 is the level of ongoing funding you need.

When applying for an overdraft limit, things to watch out for are:

  • higher the overdraft amount higher the fees
  • clauses where the lender can demand repayment of the whole loan at any time.

Fixed or variable interest rate

The choice of rate will affect the stability of repayments, overall cost of the loan and the loan features available. With a fixed rate loan the lender bears the risk of interest rate moves, while with a variable rate you will bear this risk. Ultimately, the choice of variable or fixed rates will depend upon how much free cash flow your business generates after you have paid all your expenses, including loan repayments. If your business has a low profit level, a variable rate loan repayment may rise beyond your ability to pay.

Loan security

Loans can be secured or unsecured by various types of assets, including residential, commercial, rural property or business assets. Alternatively, some loans are unsecured by any asset. Generally the less you provide for security the higher the interest rate will be. Be aware the lender has the legal right to seize any property or asset you offer as security if you can’t repay a loan on time.

There can be fees which can make a loan less attractive than it first seems. These include one-off fees such as establishment/application fees, exit/discharge fees and early termination fees or regular fees such as service fees or line/credit advance fees. The Business Loan Finder tool includes the cost of set-up and ongoing fees in the average monthly repayment to give you a better idea of the true cost of the loan.

Seek advice

The information provided here will provide you with a range of possible finance options. It is important to seek advice from your accountant or business advisers before approaching a lender for a loan.

Tip: Use our below Cashflow forecasting template to plan your cash flow and work out how much you need to lend.

Plan the business, plan the finance

Lenders will ask for a lot of in-depth information about the financial history of the business. It’s also important for you to create a convincing and detailed business plan which should include a profit and loss budget and cash flow forecast. The information you use to build your business plan may also be needed by the lender to assess your project. This includes both the past and future plans for your business, the people working in it and the market itself.

The outcome of your application is strongly influenced by how well your proposal is researched and how well it is presented.

Risk assessment

Banks and other lenders will look at your business’s risk profile when considering your loan application. Understanding what lenders look for and what they consider risky will help you present your business in a favourable manner.

As a general rule, lenders look for:

  • the level and nature of your security (what you’re offering to give them if you can’t repay the loan)
  • your ability to make regular loan repayments (cash flow risk)
  • your ability to ultimately repay the debt (business risk), including any other debts you might already have.

You need to be able to assess the level of cash flow or business risk in your specific circumstances. A projection of the cash requirements of the business is most important to a lender, as it is the actual cash left after expenses that will repay the loan, not income. It also shows you are an effective manager.

A lender’s perception of risk

The following factors can influence your lender’s perception of risk. If a number of these areas apply to you and your business you may need to consider another source of finance.

  • start up businesses incorporate financial, business and management risk
  • lack of security
  • lack of business history
  • industry sector, factors will include levels of competition, barriers to entry, profitability profile and current economic conditions
  • highly seasonal businesses, for example swimwear and agriculture. You’ll need to demonstrate how you’ll deal with cash flow pressures in the off season
  • lack of planning, market knowledge and finance skills
  • poor credit history.

Watch out! Before entering into a payment arrangement with the Tax Office, businesses should discuss this with their current or future lenders. Many businesses are unaware that entering into a payment arrangement with the Tax Office or other government agencies may adversely affect their current and future financing arrangements. For instance, a lender may not lend to a business if it is currently in a payment arrangement.

For more details visit the Guide to managing your tax debt on the ATO website.


Cheap Van Insurance Quotes, Chill Insurance Ireland, cheapest commercial vehicle insurance.

#Cheapest #commercial #vehicle #insurance



Van Insurance

Commercial Motor Quotes

Here at Chill Insurance, we make it our mission to find you the best value van insurance to suit your individual needs. As a leading independent Irish broker, we compare the top van insurance providers to ensure that you are properly covered.

If you’re looking for cheap van insurance in Ireland, then you’ve come to the right place. We’ll make sure that your vehicle gets the correct level of cover.

  • Cheapest commercial vehicle insurance
    • Van Insurance

Cheapest commercial vehicle insurance

We Compare Van Insurance For You

We understand how time-consuming searching for van insurance quotes can be, which is why we do the legwork for you. We’ve searched the leading van insurance companies to help you compare different prices and benefits and obtain a plan that is tailored to your needs. We work with you every step of the way to ensure you get the right level of cover at the right price. To find out how much you could save with us, simply fill out our quick quote form.

Cheapest commercial vehicle insurance

Van Breakdown Cover

There’s no denying that a vehicle breakdown is an unpleasant experience. However, there’s no need to panic. Depending on your policy and insurer, you may have break down assist automatically included in your cover. Just another way that Chill Insurance is here to help you get back up and running.

If you would like to find out more about our van insurance policies, please don’t hesitate to get in touch and speak to one of our friendly and professional team members. With a wealth of industry experience, we are confident that we will be able to assist you with any queries you may have.

Cheapest commercial vehicle insurance

Additional Benefits

As well as standard features, we also offer a variety of additional benefits that can be added to our policies, such as motor rescue, step back bonus protection, full bonus protection and windscreen protection, as well as open drive and replacement locks.

So, whether you’re delivering goods, loading or unloading your vehicle, we have you covered. To find out more about the benefits we offer, why not call us today?

Cheapest commercial vehicle insurance

Tips That Can Help

Whether you’re looking for van insurance for yourself or for your fleet, we understand how tricky the process can be. To make life a little easier, we have created a handy set of tips that you can use to help you save time and money when researching your new cover.We aim to help you find a policy which features all the benefits you require, including cover for your goods equipment, open driving and stepback or full protection of your No Claims Bonus. To review these tips, click on read more.

Cheapest commercial vehicle insurance



Commercial Truck Financing, Loans – Rates, commercial loan rates.#Commercial #loan #rates


Commercial Truck Loans Financing Rates

Commercial loan rates

Whether you need to purchase a single truck or an entire fleet, you will need to find the right commercial truck finance options to fulfill your specific needs. Most business owners will not pay for these vehicles with cash out of pocket, so they will need to apply for loans for commercial trucks. Financing a commercial truck is similar to applying for a regular truck loan in many cases, but there are some key differences that you should be aware of before you contact finance companies to get started with an application.

Understanding Different Commercial Truck Finance Options

It is important to note that not all commercial truck finance companies offer the same types of loans and that there are different types of loan programs available for different types of work vehicles. For example, owner-operator trucks, fleet trucks, municipal trucks all may qualify for different rates and terms. There are even truck repair loans available for some borrowers. In addition, the amount of the down payment and the sales price may also impact commercial truck loan rates and terms. It is wise to spend time learning more about the different options available for financing trucks before applying. This can help you to determine which program may be most suitable for your needs.

Applying for Commercial Truck Title Loans

If you have never applied for commercial truck title loans, you may be wondering what the financing requirements are with this kind of commercial truck lending. Each of the commercial truck lenders have a different application process. Some have a streamlined, easy application process online, and the process may be rather similar to applying for a personal truck loan. Other companies that offer commercial truck lending programs may have a more complicated process that requires you to submit documentation and have it approved by an underwriter before loan approval. When you are shopping for a commercial truck loan, it makes sense to look for commercial truck financing companies that offer easy financing programs. They will undoubtedly save you valuable time and headaches during the process.

Understanding Used Commercial Truck Loans

Some businesses may purchase used trucks rather than new trucks, and there are benefits associated with doing so. Used commercial truck financing tends to be more affordable since the price of the used truck is lower than that of a new truck. Most will have a similar loan application process and documentation requirements. However, you may find that the interest rates and loan terms vary in some scenarios. In fact, they may vary based on the sales price and loan amount, the age of the vehicle and other factors. When you contact commercial truck lenders about their loan programs, it is important to have this information available so that you get an accurate quote based on your specific needs. You can then use a commercial truck loan calculator with the used vehicle financing rates and terms to determine how affordable the different loan programs may be for your enterprise.

Everything from the financing requirements to the interest rates and loan terms can vary from lender to lender. Factors such as whether you are buying new or used vehicles, their sales prices, how much money you want to put down and how the vehicles will be owned and operated all may impact pricing on your truck loans. It is important to fully understand all of the choices available and to determine which solutions may be most affordable for your budget before you make a final decision about which lending program to apply for.

Using a Commercial Truck Loan Calculator

Just as there are auto loan calculators that you can use when buying a vehicle for personal use, you can also find a financing calculator when considering options for funding your trucks. A commercial truck finance calculator can be used early on in the loan application process to help you to determine how affordable various new or used commercial truck loans may be for your business. Commercial truck financing rates and terms are different than those for private use vehicles. Likewise, the fees can also vary. You can use a calculator to estimate payments for lending terms to determine what sales price may be most affordable for you to purchase.

Commercial loan rates



Commercial Loan Calculator – Mortgage Repayment Calculator, commercial loan.#Commercial #loan


Commercial Loan Calculator

Calculates commercial loan repayments, total cost, fees paid, exit costs with monthly, fortnightly, weekly and interest only mortgage repayments

If you are unsure on what figure to insert there are instructions below

If you need help with this calculator please do not hesitate to contact us.

Compare Commercial Loans

Due to the complexity of commercial loans it is best if you contact a lender representative or one of our advisors to help you find the right commercial loan for your finance needs.

How To Use This Calculator

1. Loan Amount – Estimate of how much you would like to borrow – not sure find out how much you can borrow

2. Number of Years – Enter the number of years to pay the loan

3. Fixed or Intro Term (optional): Insert the fixed rate term in years or the introductory rate or honeymoon period. Expressed in years

4. Fixed or Intro Term Interest Rate (optional) – Insert the fixed interest rate term or the introductory rate or honeymoon period.

5. Ongoing Interest Rate – Insert the interest rate. If there is a fixed or introductory period insert the interest rate after the period has ended.

6. Repayment Frequency – Choose monthly, fortnightly, weekly or interest only and the repayments result will reflect your repayments for that period. Note that interest only payments are calculated per month. Click the following link if you would like to use a specific interest only mortgage calculator.

7. Application Fee – Insert the total upfront fees for the loan

8. Monthly Fees – Insert the ongoing monthly fee if applicable to the loan

9. Yearly Fees – Some lenders charge an annual fee for loans

10. Discharge Fees and or Early Exit Fees – Most lenders charge an discharge of mortgage fee between $150 and $900 when your mortgage has been discharged. Insert early exit fee penalties if you discharge your loan within the first 3 to 5 years.

11.Total Fees – This includes all the upfront, ongoing and exit fees associated with your loan.

12. Intro or Fixed Repayments- This is your monthly, fortnightly, weekly or interest only repayments for a fixed rate loan or introductory rate loan

13. Ongoing Repayments – This is your monthly, fortnightly, weekly or interest only repayments for the loan. If there is a fixed or introductory period then these are the repayment after the period has expired.

14. Interest Paid – This is the total interest paid over the term of the loan without making extra repayments, interest rate changes or using an offset facility.

15. Total Cost of Loan – This is the total cost of the loan and it includes all the upfront, ongoing and exit fees for that loan.

Important Note About The Calculator

This is an estimate only. It is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. Results are based on amortised scheduled repayments and, once any discount or fixed rate period expires, applies the current variable rate for the remainder of the loan term. All applications for credit are subject to lenders normal credit approval criteria.

Compare Mortgages

Compare hundreds of loans from more than 30 lenders including the major Australian banks. Compare home loans, investment loans, self managed super fund and commercial loans side by side with calculated repayments, fees and total costs of the loan.

Go to our mortgage comparison page by clicking the button below

Need Help?

If you need help with a product or need more information we have lender representatives Australia wide that can help you with your enquiry. Simply contact us by filling a form and we will get back to you as quickly as possible

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan

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Contact Us

If you require assistance relating to home loans, investment loans, commercial finance or any questions about this website please feel free to contact us



Will I Qualify for a Commercial Loan, Commercial Loans – Commercial Mortgages, commercial loan.#Commercial #loan


Borrowers

Due to the huge losses suffered by commercial lenders during the Great Recession, banks are much tougher when they underwrite commercial loans these days. Will you qualify? It all depends on the three C’s of underwriting – credit, capacity to repay, and collateral. Let’s look at credit first.

Commercial banks are the lenders who are making most of the commercial loans today, and banks require good credit. You will usually need a credit score of at least 680, and a credit score of over 700 is greatly preferred. Now if your credit score is lower than 680, please don’t panic. We recently convinced a bank to approve a commercial loan for a veterinarian with a foreclosure on his record (due to a divorce) and a credit score of just 630. And even if a bank won’t do your particular deal, there are still scores of Wall Street nonprime lenders and hard money commercial mortgage companies willing to make subprime commercial loans.

Commercial loan

When a bank underwrites a commercial borrower’s capacity to repay, the bank looks primarily to the cash flow of the property. The commercial property’s net operating income (NOI) must exceed the proposed commercial mortgage payment by at least 25% to 45%. In the parlance of the commercial financing industry, the debt service coverage ratio must exceed 1.25 to 1.45. Conduit lenders also require that the debt yield ratio (a brand new underwriting ratio) exceed 9.0% to 10.0%.

Commercial loan

Commercial lenders are also demanding more collateral today. In 2006 and early 2007, commercial lenders would regularly approve commercial loans of 75% loan-to-value. Many commercial lenders even made commercial loans up to 80% loan-to-value! Then commercial real estate plummeted by 45%, and commercial lenders got hammered. They took enormous losses. As a result, immediately after the Great Recession most commercial lenders cut their loan-to-values back from 75% all the way down to 58% to 65%.

Commercial loan

Fortunately banks have finally started to loosen up a little again. This means that it is usually possible to get a conventional commercial loan from a bank up to 70% loan-to-value. Sometimes banks will even consider a commercial loan of up to 75% LTV again, but the deal will have to be very, very strong. You are more likely to qualify for a commercial loan at higher than 70% loan-to-value if the deal is a purchase money deal (in other words, you’re buying the property). Another way to get high LTV deals approved is if the borrower has lots of liquid assets, like cash in the bank and marketable securities.

Commercial loan

One last important point about qualifying for a commercial real estate loan from a bank. There are more than 5,000 banks in America, and all of them are extremely fickle. One day a bank will refuse to even consider a commercial loan in excess of 65% LTV, and yet a month later that same bank will close a commercial loan of 75% LTV. What happened? The bank suddenly loosened up because it had found itself too liquid, and it was feeling the pressure to put some money back out on the street. The way to handle this is to approach lots of different banks with your commercial loan request.

Commercial loan



SBA Loan Rates 2017 – 504 and 7a Loan Rates, Green Commercial Capital, commercial loan rates.#Commercial #loan #rates


commercial loan rates

Green Commercial Capital / MyMortgageBanker.com

SBA Loan Rates 2017 1-800-414-5285

Commercial loan rates

Commercial loan rates Commercial loan ratesCommercial loan rates

Commercial loan rates

100% Financing for Established Businesses plus Doctors, Dentists, Veterinarians, Funeral Homes, Pharmacies

SBA 504 Refinance Program 2016

Self Storage Mini Storage Businesses Eligible for SBA Financing

SBA Loan Rates Near All Time Low

No Down Payment Commercial Property Financing

I am extremely pleased with the loan you helped me obtain. Your service, rates, terms and professionalism impressed me.

SBA 504 Loan Rate – 4.56% Effective Rate*

Commercial loan rates

The 504 loan rate (effective rate) for 20 year commercial real estate loans is 4.56%* The effective rate is inclusive of all servicing fees. (Some lenders do not advertise the all inclusive rate, so you may see the rate advertised slightly lower in some areas of the country).

The 504 program consists of 2 loans:

  1. first mortgage for approx 50% of the project cost

Low 25 Year Fixed Rates for Multi-Purpose Properties

The 25 year fixed rate option for multi-purpose properties (office, warehouse, light industrial, wholesalers, manufacturing, retail, medical office, dental office, R D, etc). is offered at a very low rate. To be eligible for this particular program the property needs to be of the type that could be used by many different types of businesses.

Most 504 first mortgage rates and terms will vary depending on the type and size of the loan. Rates for this program have been trending up since the presidential election in November of 2016 and are in the 5% to 5.75% range currently. (Other options are available for single purpose properties – see below).

SBA 7a Loan Rates

The 25 year fixed rate is very competitive and never adjusts. These loans are available if the majority of the loan proceeds are used for commercial real estate. The underwriting can be a little tougher than for a variable rate, but this is a phenomenal opportunity to lock in great low rates for the long term if you qualify.

Variable rates are typically Prime + a margin not to exceed 2.75%, The margin is set by the lender based on their cost of funds and the quality of the loan. Most lenders will offer something between Prime + 1.25% and Prime + 2.75%. 7a loans can also be based on the one month LIBOR rate.

Please contact us at 1-800-414-5285 for more information about the possibility of a fixed rate

10 Year Loans for Business Acquisitions

The SBA 7a (aka SBA Advantage Loan) is also a great solution for business acquisitions as well as refinancing of business debt or partner buyouts and the rates can be fixed or variable for up to 10 years.

504 Loan Rates

First Mortgage Rates: Currently range from low 4% range to as much as 6.5% depending on loan size, term, property type and strength of transaction and are typically amortized for 20 to 25 years and in some cases as long as 30 years.

The 5 year fixed rate with a 25 year amortization is a popular product. After the initial 5 years the loan could adjust as frequently as monthly or as infrequently as every 5 years depending on the lender.

October 2017 504 Mortgage Rate: 4.56%* – fixed for 20 years.

The combination of the 2 loans and the fact that the second mortgage is always permanently fixed make for very attractive 504 loan terms.

SBA 504 Equipment Loans are typically 10 years and can be anywhere from .25 to 1.5% lower than commercial real estate transactions.

SBA 504 Refinance Rates may be slightly higher and multi-purpose property rates are typically lower than single or special use properties like hotels or self storage properties.

Commercial loan rates

More About The Fixed Rate Option for 504 First Mortgage

The low rate SBA 25 year fixed rate first mortgage option is available for strong borrowers (strong cash flow, very good credit and credit scores, etc.) financing multi-use properties under the 504 (Grow Loan) program. The loan is fixed for the entire term of the 25 year first mortgage.

The rates for this program are very competitive and when combined with the low rate second mortgage it makes for very attractive fully fixed long term rates. (The rate for the first mortgage will vary depending on loan size, prepayment penalty, etc).

Again, this program is a true fixed rate that will never adjust, so while the rate may be higher than the 1. 3 or 5 year fixed and other options, this loan is the better choice if you intend to own your property for the long haul.

Please contact us for more information about this program: 1-800-414-5285

504 Loan Payment Example

Here is an example of loan amounts and payments for a $1.5 million transaction with 10% down and a 1st mortgage rate of 5%:

Down Payment/Equity Injection: $150,000

The payments would be as follows:

Commercial loan rates

Please contact us at 1-800-414-5285 to find out how the SBA 504 or 7a could help your business.

Please note: the SBA does not make loans directly and interest rates are set by the lenders who make the loans.

* Rate includes fees to SBA, CDC and central servicing agent. (Rates change monthly).



Commercial Mortgage Rates Compared to Home Loan Rates, Commercial Loans – Commercial Mortgages, commercial loan rates.#Commercial #loan #rates


Borrowers

Commercial mortgage rates are typically about 50 to 100 basis points (0.50% to 1.00%) higher than the prime, 30-year residential mortgage rate. For example, suppose you could refinance your personal residence on a 30-year, fixed-rate basis at 4.0% today. If you are an “A” quality borrower, you could therefore expect conventional commercial mortgage rates from commercial banks to be between 4.50% and 5.0%.

Commercial mortgage rates on SBA loans and USDA loans are typically 2% to 2.5% higher than the prime residential mortgage rate. Therefore, if the banks in town are quoting 4.0% on 30-year home loans, you will probably pay between 6.0% and 6.5% for an SBA loan or a USDA loan. The commercial mortgage rates of life companies and conduits – because the loans are typically quite large ($3MM+) – are a little better than the commercial mortgage rates of the typical bank. You can expect to pay 35 to 75 basis points (0.35% to 0.75%) over the prime, 30-year residential mortgage rate.

Will the interest rate on your commercial loan be fixed or floating? If the lender making your commercial loan is a life insurance company or a conduit (CMBS lender), you can expect a fixed rate for the entire term of the loan, typically either five years or ten years. If the lender making your commercial loan is a bank, you can expect the rate to be fixed for the first five years and then be recalculated to market. Once your commercial mortgage rate is recalculated, the rate will be fixed for another five years. A few money center banks make mini-perms (two to three year first mortgages) tied to LIBOR or prime.

Commercial loan rates

Most commercial mortgage loans are amortized over 25 years, although if the property is older than 30 years old, the bank may require a 20-year amortization. After all, the building is not going to stand forever.

Most commercial loans have a term of either five years or ten years, at which point a balloon payment is due. SBA loans and USDA loans are typically fully-amortized over 25 years. Some conventional multifamily lenders will make 25 or 30-year fully-amortized commercial loans. The rate on such long-term apartment loans are typically recalculated every five years.

All commercial loans from life insurance companies and conduits (CMBS lenders) have a huge prepayment penalty called a defeasance fee. This is the one drawback of commercial loans from life insurance companies and conduits. I’ve heard of defeasance fees of over $1 million. Yikes! Fortunately the prepayment penalties of banks are far more reasonable, typically either around 3% or perhaps declining annually from 5% in year one to only 1% in year five.

Commercial loan rates

There have been some major developments regarding commercial mortgage rates recently. Historically the commercial mortgage rates offered by conduits were only about 45 basis points (0.45%) higher than those offered by life companies. When China unexpectedly devaluated its currency a few months ago, the shock introduced enormous volatily into the credit markets. Commercial mortgage-backed securities are fixed rate instruments, and fixed rate instruments perform poorly in a rising interest rate environment. With the Fed threatening to raise interest rates, the demand for commercial mortgage-backed securities has plummeted. Commercial mortgage rates from conduits are gyrating wildly from week to week.

The end result is that conduits can no longer to lock in a borrower’s commercial mortgage rate. To make matters worse, the spread between the commercial mortgage rates of life companies and conduits has increased to 75 to 200 basis points (0.75% to 2.00%). At a time when life companies are offering commercial mortgage rates of 3.875% to 4.5%, conduits are quoting 5.25% to 6.5%. By historical standards, this is a huge difference.

The wise commercial-investment property buyer will therefore get commercial mortgage rate offers from a variety of different lenders. There are some major money center banks that are offering some very competitive commercial mortgage rates using portfolio programs (they intend to keep these loans on their own books). The best way to see these offers is to enter your commercial mortgage loan request into a commercial mortgage portal like C-Loans.com. Our portal is free (its paid for by the participating lenders).

Commercial loan rates



Commercial Loans, Commercial Property Loans Finance, Low Doc, Commercial Loan Calculators, commercial loan.#Commercial #loan


commercial loan

Commercial loan Commercial loan

  • Commercial loan

Commercial loan

Commercial loan

Commercial Loans from 3.40% for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.

Refinance of commercial property loans for better interest rates and expired loan terms .

High LVR up to 80%, True Low Doc from 4.79%, credit impaired solutions, lease doc for investors and short term finance.

Solutions for small, medium and large scale business operations. We work with the major banks, non bank lenders and private finance investors.

Most major franchises funded. Business with strong financials and longevity in the market place

Working capital and receivable finance also available. Specialty businesses will also be considered on a case by case basis.

Car loans and lease available. Includes light and heavy commercial vehicle. Commercial hire purchase, novated lease and chattel mortgage options available.

Leasing for medical and dental equipment, farm/agricultural, computers and office equipment.

Low doc options available for those entities with a strong asset base for car loans, commercial vehicles and equipment leasing.

Online commercial loan calculators that can calculate interest only or principle and interest repayments. Total fees and loan costs are included in the calculation as well as the annualised interest rate. Calculate the total cost of your loan with this calculator as well.

We have a network of commercial loan brokers Australia wide to service your commercial finance needs. An experienced broker can work with you in your local area to find the right lending source and solutions for your commercial finance needs.

We have 100s of lenders and brokers Australia wide that assist you with your commercial loan enquiries. They can assess your circumstances, offer realistic solutions, compare loan options and help negotiate better deals for your commercial finance needs.

Due to the complexity and many variables associated with business loans we are unable to publish business loan interest rates.

Please complete the online Business Loan Quotes page accurately as possible so we can assign a business lending specilaist to discuss your business finance.

Please complete the online Lease Quotes form so we can assign one of our leasing specialists to discuss your finance needs.

Please Note: that the above interest rates are only examples. Interest rate vary according to security type, property type, borrow amount against the properties value, loan amount, location, use and purpose.

Commercial Loan Lenders

Here are just some of the lenders we use including non banks and private financiers.

Commercial loan Commercial loan

Commercial loan Commercial loan

Commercial loan Commercial loan

Commercial loan Commercial loan

Commercial loan Commercial loan

Commercial loan Commercial loan

Commercial loan Commercial loan

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About Smart Search Commercial Loans

Smart Search Finance commercial lenders and brokers offer realistic solutions from hundreds of retail banking products to all Australians. All mortgage brokers at Smart Search Finance are Accredited Mortgage Consultants of the (MFAA) and of the Credit Ombudsman Service Limited (COSL) for home loans, investment and commercial loans. Servicing major capital and regional centers’ in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart, Canberra and Darwin. We can also service regional areas in Victoria (Vic), New South Wales (NSW), Queensland (Qld), South Australia (SA), Western Australia (WA) and Tasmania (Tas).

Comparison rates are based on a $250,000 loan for 25 years. This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan

Pages

Keep Up To Date

Contact Us

If you require assistance relating to home loans, invetment loans, commercial finance or any questions about this website please feel free to contact us



Loan calculators financing commercial real estate, commercial loan calculator.#Commercial #loan #calculator


commercial loan calculator

Commercial Real Estate Loan Calculator

Calculate payments on financing commercial real estate loans to determine cash flow at different interest rates.

Call for more detailed information on your specific needs – or complete ‘quick application

Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Mixed Use Com/Res

Commercial loan calculator

Mobile Home Parks

THE COMMERCIAL STOP

Commercial loan calculator

Submit Quick App

Commercial Real Estate

Mortgages and Lenders

ALL Property Types

Commercial loan calculator

Commercial loan calculator

Automotive – Gas – Repair

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Bar – Lounge – Pub

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Bed Breakfast / Hospitality

Commercial loan calculator

Car Washes – All Types

Commercial loan calculator

Campgrounds RV Parks

Commercial loan calculator



Commercial Loans, Commercial Property Loans Finance, Low Doc, Commercial Loan Calculators, commercial loan calculator.#Commercial #loan #calculator


commercial loan calculator

Commercial loan calculator Commercial loan calculator

  • Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial Loans from 3.40% for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.

Refinance of commercial property loans for better interest rates and expired loan terms .

High LVR up to 80%, True Low Doc from 4.79%, credit impaired solutions, lease doc for investors and short term finance.

Solutions for small, medium and large scale business operations. We work with the major banks, non bank lenders and private finance investors.

Most major franchises funded. Business with strong financials and longevity in the market place

Working capital and receivable finance also available. Specialty businesses will also be considered on a case by case basis.

Car loans and lease available. Includes light and heavy commercial vehicle. Commercial hire purchase, novated lease and chattel mortgage options available.

Leasing for medical and dental equipment, farm/agricultural, computers and office equipment.

Low doc options available for those entities with a strong asset base for car loans, commercial vehicles and equipment leasing.

Online commercial loan calculators that can calculate interest only or principle and interest repayments. Total fees and loan costs are included in the calculation as well as the annualised interest rate. Calculate the total cost of your loan with this calculator as well.

We have a network of commercial loan brokers Australia wide to service your commercial finance needs. An experienced broker can work with you in your local area to find the right lending source and solutions for your commercial finance needs.

We have 100s of lenders and brokers Australia wide that assist you with your commercial loan enquiries. They can assess your circumstances, offer realistic solutions, compare loan options and help negotiate better deals for your commercial finance needs.

Due to the complexity and many variables associated with business loans we are unable to publish business loan interest rates.

Please complete the online Business Loan Quotes page accurately as possible so we can assign a business lending specilaist to discuss your business finance.

Please complete the online Lease Quotes form so we can assign one of our leasing specialists to discuss your finance needs.

Please Note: that the above interest rates are only examples. Interest rate vary according to security type, property type, borrow amount against the properties value, loan amount, location, use and purpose.

Commercial Loan Lenders

Here are just some of the lenders we use including non banks and private financiers.

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

About Smart Search Commercial Loans

Smart Search Finance commercial lenders and brokers offer realistic solutions from hundreds of retail banking products to all Australians. All mortgage brokers at Smart Search Finance are Accredited Mortgage Consultants of the (MFAA) and of the Credit Ombudsman Service Limited (COSL) for home loans, investment and commercial loans. Servicing major capital and regional centers’ in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart, Canberra and Darwin. We can also service regional areas in Victoria (Vic), New South Wales (NSW), Queensland (Qld), South Australia (SA), Western Australia (WA) and Tasmania (Tas).

Comparison rates are based on a $250,000 loan for 25 years. This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan calculator

Pages

Keep Up To Date

Contact Us

If you require assistance relating to home loans, invetment loans, commercial finance or any questions about this website please feel free to contact us



Home Loans, Commercial Loans, 20 Years of Mortgages, Austral Mortgage, commercial loan rates.#Commercial #loan #rates


Austral Mortgage

Call today 1300 30 30 99

Mortgage Specialists for over 20 Years

Commercial loan rates

Commercial loan rates

Home Loans

First Home Buyers, Upgraders, Debt Consolidation or simply looking to refinance? Put yourself in a better place with an Austral home loan.

Commercial loan rates

Advantage Special 4.49%

Advantage Special 4.49% – Term Loan or 100% Offset – Fixed or Variable. Fast application processing, personal service. No ongoing fees or charges.

Commercial loan rates

Help Me Choose My Loan

Austral have 20 years experience guiding people to the right home loan. Let us help you choose the right mortgage for your circumstances

Commercial loan rates

Loan Calculators

Looking to buy a home in Australia and want to know your borrowing power? A mortgage calculator or home loan calculator will get you started.

Commercial loan rates

Commercial Loans

We have access to an extensive range of commercial loans – ideal if you are borrowing as an individual, partnership, company, SMSF or discretionary trusts

Commercial loan rates

Buying Property Using SMSF

The rules and regulations when borrowing through a Self-Managed Super Fund. This section outlines compliance, loan structure, competitive loans and more.

Commercial loan rates

Ask Vicky Mortgage Advice

Let Vicky’s 30 years of experience guide you. First Home Buyer advice, Investment Loans, Mortgage Calculators, Mortgage Refinancing and Debt Consolidation.

Commercial loan rates

About Austral Mortgage

Austral Mortgage, established in 1992 by Guy and Vicky Edema, is one of Australia’s most professional, friendly and trusted mortgage management companies.

Commercial loan rates

Compare our Home Loans

Check out the Austral suite of home loans, see all our residential mortgages side by side and compare our rates at a glance in one place

Want to Contact Your Mortgage Specialist? Enquire Now



Commercial Mortgage Rates Compared to Home Loan Rates, Commercial Loans – Commercial Mortgages, commercial loan rates.#Commercial #loan #rates


Borrowers

Commercial mortgage rates are typically about 50 to 100 basis points (0.50% to 1.00%) higher than the prime, 30-year residential mortgage rate. For example, suppose you could refinance your personal residence on a 30-year, fixed-rate basis at 4.0% today. If you are an “A” quality borrower, you could therefore expect conventional commercial mortgage rates from commercial banks to be between 4.50% and 5.0%.

Commercial mortgage rates on SBA loans and USDA loans are typically 2% to 2.5% higher than the prime residential mortgage rate. Therefore, if the banks in town are quoting 4.0% on 30-year home loans, you will probably pay between 6.0% and 6.5% for an SBA loan or a USDA loan. The commercial mortgage rates of life companies and conduits – because the loans are typically quite large ($3MM+) – are a little better than the commercial mortgage rates of the typical bank. You can expect to pay 35 to 75 basis points (0.35% to 0.75%) over the prime, 30-year residential mortgage rate.

Will the interest rate on your commercial loan be fixed or floating? If the lender making your commercial loan is a life insurance company or a conduit (CMBS lender), you can expect a fixed rate for the entire term of the loan, typically either five years or ten years. If the lender making your commercial loan is a bank, you can expect the rate to be fixed for the first five years and then be recalculated to market. Once your commercial mortgage rate is recalculated, the rate will be fixed for another five years. A few money center banks make mini-perms (two to three year first mortgages) tied to LIBOR or prime.

Commercial loan rates

Most commercial mortgage loans are amortized over 25 years, although if the property is older than 30 years old, the bank may require a 20-year amortization. After all, the building is not going to stand forever.

Most commercial loans have a term of either five years or ten years, at which point a balloon payment is due. SBA loans and USDA loans are typically fully-amortized over 25 years. Some conventional multifamily lenders will make 25 or 30-year fully-amortized commercial loans. The rate on such long-term apartment loans are typically recalculated every five years.

All commercial loans from life insurance companies and conduits (CMBS lenders) have a huge prepayment penalty called a defeasance fee. This is the one drawback of commercial loans from life insurance companies and conduits. I’ve heard of defeasance fees of over $1 million. Yikes! Fortunately the prepayment penalties of banks are far more reasonable, typically either around 3% or perhaps declining annually from 5% in year one to only 1% in year five.

Commercial loan rates

There have been some major developments regarding commercial mortgage rates recently. Historically the commercial mortgage rates offered by conduits were only about 45 basis points (0.45%) higher than those offered by life companies. When China unexpectedly devaluated its currency a few months ago, the shock introduced enormous volatily into the credit markets. Commercial mortgage-backed securities are fixed rate instruments, and fixed rate instruments perform poorly in a rising interest rate environment. With the Fed threatening to raise interest rates, the demand for commercial mortgage-backed securities has plummeted. Commercial mortgage rates from conduits are gyrating wildly from week to week.

The end result is that conduits can no longer to lock in a borrower’s commercial mortgage rate. To make matters worse, the spread between the commercial mortgage rates of life companies and conduits has increased to 75 to 200 basis points (0.75% to 2.00%). At a time when life companies are offering commercial mortgage rates of 3.875% to 4.5%, conduits are quoting 5.25% to 6.5%. By historical standards, this is a huge difference.

The wise commercial-investment property buyer will therefore get commercial mortgage rate offers from a variety of different lenders. There are some major money center banks that are offering some very competitive commercial mortgage rates using portfolio programs (they intend to keep these loans on their own books). The best way to see these offers is to enter your commercial mortgage loan request into a commercial mortgage portal like C-Loans.com. Our portal is free (its paid for by the participating lenders).

Commercial loan rates



National Alliance Of Commercial Loan Brokers, NACLB, commercial loan.#Commercial #loan


commercial loan

Commercial loan Commercial loan

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Commercial loanCommercial loan

The Largest Conference Dedicated To Commercial Loan Brokers and

Commercial Banks and Lenders

Commercial loan

The National Alliance of Commercial Loan Brokers is proud to announce its third annual conference this year at the

Gaylord Palms Resort and Convention Center in Orlando, Florida . This is our third year and we are expecting over

600 loan brokers and over 100 lenders to attend this record breaking event.

Commercial loan

Welcome

Over 600 of the nation’s top commercial loan, leasing and mortgage brokers will be converging on Gaylord Palms Resort Convention Center on October 17-19 to meet the top lenders and service providers that cater to the brokerage community. These brokers are responsible for over $5 billion in small business and commercial financing each year.

This NACLB annual conference will provide education and networking between brokers lenders and service providers.

However, the primary benefit of the conference will be to provide enormous growth opportunities for both brokers and bankers to grow their loan portfolios and increase revenues and profits.

Now is your chance to get DEAL FLOW, QUALITY ISO s and COMMERCIAL BROKERS

2016 Conference Highlights

SPONSORSHIP OPPORTUNITIES AVAILABLE

Presented By

Commercial loan

Commercial loan

Broker Attendee Benefits

  • Maximize earning potential by meeting the top broker focused lenders and service providers
  • Learn best-practices from top lenders and industry experts
  • Panel, general session, and over 16 individual class room style breakout sessions
  • Win over $75,000 in cash, prizes and gifts for various top producer and door prices
  • All meals including breakfast, lunch, cocktail hour, the “Awards Assembly” and the “Main Gala” included
  • Network with fellow brokers and reunite with CCTG training colleagues

Lender Attendee Benefits

  • Access over $5 billion in annual loan volume
  • Create new relationships with over 250 professional loan brokers
  • Market your distinct loan products
  • Exhibit and speaking roles available
  • Sponsor and host educational/instructional break-out sessions
  • See all available sponsor packages.

2017 Conference Sponsors

  • Commercial loan
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CONFERENCE VENUE

Commercial loan

Gaylord Palms Resort & Convention Center

6000 West Osceola Parkway

Kissimmee, Florida 34746

Use the following reservation button to secure your room in order to receive our negotiated reduced room rate.

REGISTRATION

Whether you are a broker or a lender please use the following registration link to reserve your spot today.



Commercial Loans, Commercial Mortgage, commercial loan.#Commercial #loan


commercial loan

Commercial loan

Commercial loan

Commercial Loan Portal

to 750 Commercial Lenders

Commercial loans and commercial mortgage rates can be found inside this portal. This commercial mortgage portal allows you to apply to 750 commercial real estate lenders in just four minutes. You simply input your commercial loan request. The C-Loans System will then screen out all of the unsuitable commercial lenders and provide you with a list of 30 (or so) banks which are perfect for your particular commercial real estate loan request. You can then call these banks, life companies, conduits, REIT’s or hard money lenders directly or submit your commercial loan request electronically, six commercial lenders at a time. And C-Loans is free!

Ranked the most popular commercial mortgage portal by Commercial loan

Commercial loan

Commercial Loan Portal

to 750 Commercial Lenders

Commercial loans and commercial mortgage rates can be found inside this portal. This commercial mortgage portal allows you to apply to 750 commercial real estate lenders in just four minutes. You simply input your commercial loan request. The C-Loans System will then screen out all of the unsuitable commercial lenders and provide you with a list of 30 (or so) banks which are perfect for your particular commercial real estate loan request. You can then call these banks, life companies, conduits, REIT’s or hard money lenders directly or submit your commercial loan request electronically, six commercial lenders at a time. And C-Loans is free!

Commercial loanC-Loans Thanks: Alicia Gandy of Blackburne Sons Realty Capital Corporation

For Closing a $650,000 First Mortgage on a Strip Center in Tulsa, Oklahoma (More Info and Mini-App)

Commercial loan

Commercial Loan Portal

to 750 Commercial Lenders

Commercial loans and commercial mortgage rates can be found inside this portal. This commercial mortgage portal allows you to apply to 750 commercial real estate lenders in just four minutes. You simply input your commercial loan request. The C-Loans System will then screen out all of the unsuitable commercial lenders and provide you with a list of 30 (or so) banks which are perfect for your particular commercial real estate loan request. You can then call these banks, life companies, conduits, REIT’s or hard money lenders directly or submit your commercial loan request electronically, six commercial lenders at a time. And C-Loans is free!

Commercial loanC-Loans Thanks: Vito Piche’ of

Red Star Commercial Funding

For closing a $250,000 First Mortgage

on a commercial building in Atlantic Beach, NY



Commercial Loan Calculator – Interst Only Commercial Property and Bussiness Loans, commercial loan calculator.#Commercial #loan #calculator


Commercial Loan Calculator

Calculates commercial property loan and business loan repayments, total costs, fees, exit costs with monthly, fortnightly, weekly and interest only mortgage repayments.

Default calculation is “interest only” and monthly repayments over 15 years. Adjust values to suit your calculation.

When changing the repayment frequency repayments automatically change to principle and interest payments.

Calculate real annual interest rate for your loan based on interest rate and fees paid.

Need Help?

If you require help with commercial loan calculations or anything related to commercial finance please click the button below for assistance.

How To Use This Calculator

1. Loan Amount – Estimate of how much you would like to borrow – not sure find out how much you can borrow

2. Number of Years – Enter the number of years to pay the loan

3. Fixed or Intro Term (optional): Insert the fixed rate term in years or the introductory rate or honeymoon period. Expressed in years

4. Fixed or Intro Term Interest Rate (optional) – Insert the fixed interest rate term or the introductory rate or honeymoon period.

5. Ongoing Interest Rate – Insert the interest rate. If there is a fixed or introductory period insert the interest rate after the period has ended.

6. Repayment Frequency – Choose monthly, fortnightly, weekly or interest only and the repayments result will reflect your repayments for that period. Note that interest only payments are calculated per month. Click the following link if you would like to use a specific interest only mortgage calculator.

7. Application Fee – Insert the total upfront fees for the loan

8. Monthly Fees – Insert the ongoing monthly fee if applicable to the loan

9. Yearly Fees – Some lenders charge an annual fee for loans

10. Discharge Fees and or Early Exit Fees – Most lenders charge an discharge of mortgage fee between $150 and $900 when your mortgage has been discharged. Insert early exit fee penalties if you discharge your loan within the first 3 to 5 years.

11.Total Fees – This includes all the upfront, ongoing and exit fees associated with your loan.

12. Intro or Fixed Repayments- This is your monthly, fortnightly, weekly or interest only repayments for a fixed rate loan or introductory rate loan

13. Ongoing Repayments – This is your monthly, fortnightly, weekly or interest only repayments for the loan. If there is a fixed or introductory period then these are the repayment after the period has expired.

14. Interest Paid – This is the total interest paid over the term of the loan without making extra repayments, interest rate changes or using an offset facility.

15. Total Cost of Loan – This is the total cost of the loan and it includes all the upfront, ongoing and exit fees for that loan.

16. Comparison Rate – As described above

Important Note About The Calculator

This is an estimate only. It is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. Results are based on amortised scheduled repayments and, once any discount or fixed rate period expires, applies the current variable rate for the remainder of the loan term. All applications for credit are subject to lenders normal credit approval criteria.

Need Help?

If you need help with a product or need more information we have lender representatives Australia wide that can help you with your enquiry.

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan calculator

Pages

Keep Up To Date

Contact Us

If you require assistance relating to home loans, invetment loans, commercial finance or any questions about this website please feel free to contact us



Commercial Loans, Commercial Property Loans Finance, Low Doc, Commercial Loan Calculators, commercial loan calculator.#Commercial #loan #calculator


commercial loan calculator

Commercial loan calculator Commercial loan calculator

  • Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial Loans from 3.40% for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.

Refinance of commercial property loans for better interest rates and expired loan terms .

High LVR up to 80%, True Low Doc from 4.79%, credit impaired solutions, lease doc for investors and short term finance.

Solutions for small, medium and large scale business operations. We work with the major banks, non bank lenders and private finance investors.

Most major franchises funded. Business with strong financials and longevity in the market place

Working capital and receivable finance also available. Specialty businesses will also be considered on a case by case basis.

Car loans and lease available. Includes light and heavy commercial vehicle. Commercial hire purchase, novated lease and chattel mortgage options available.

Leasing for medical and dental equipment, farm/agricultural, computers and office equipment.

Low doc options available for those entities with a strong asset base for car loans, commercial vehicles and equipment leasing.

Online commercial loan calculators that can calculate interest only or principle and interest repayments. Total fees and loan costs are included in the calculation as well as the annualised interest rate. Calculate the total cost of your loan with this calculator as well.

We have a network of commercial loan brokers Australia wide to service your commercial finance needs. An experienced broker can work with you in your local area to find the right lending source and solutions for your commercial finance needs.

We have 100s of lenders and brokers Australia wide that assist you with your commercial loan enquiries. They can assess your circumstances, offer realistic solutions, compare loan options and help negotiate better deals for your commercial finance needs.

Due to the complexity and many variables associated with business loans we are unable to publish business loan interest rates.

Please complete the online Business Loan Quotes page accurately as possible so we can assign a business lending specilaist to discuss your business finance.

Please complete the online Lease Quotes form so we can assign one of our leasing specialists to discuss your finance needs.

Please Note: that the above interest rates are only examples. Interest rate vary according to security type, property type, borrow amount against the properties value, loan amount, location, use and purpose.

Commercial Loan Lenders

Here are just some of the lenders we use including non banks and private financiers.

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

About Smart Search Commercial Loans

Smart Search Finance commercial lenders and brokers offer realistic solutions from hundreds of retail banking products to all Australians. All mortgage brokers at Smart Search Finance are Accredited Mortgage Consultants of the (MFAA) and of the Credit Ombudsman Service Limited (COSL) for home loans, investment and commercial loans. Servicing major capital and regional centers’ in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart, Canberra and Darwin. We can also service regional areas in Victoria (Vic), New South Wales (NSW), Queensland (Qld), South Australia (SA), Western Australia (WA) and Tasmania (Tas).

Comparison rates are based on a $250,000 loan for 25 years. This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan calculator

Pages

Keep Up To Date

Contact Us

If you require assistance relating to home loans, invetment loans, commercial finance or any questions about this website please feel free to contact us



Commercial Mortgage Rates #loan #bad #credit


#mortgage loan rates
#

Commercial Mortgage Rates

 The commercial loan rates below are for loan amounts between $400,000 and $8,000,000, on virtually all property types.  Amortization schedules range from 15 25 years.  The two charts are broken down by building types, general purpose properties, semi generic and special purpose properties.

Investor or Owner User

Investor or Owner User

Up to 65%

* Semi generic and special purpose properties defined as assisted living, automotive, bowling alleys, car dealerships, daycare, funeral home, oil lube center, restaurants, self storage. etc.

* Loan amounts from $400,000 to $8,000,000.

* No balloons. When fix period expires loan Re-Sets for the same period of time.

These loans re-fix themselves when the fix period expires, for the same length of time (I.e. a 5 year fixed loan, re-sets itself for another 5 years and does this for the full amortization schedule of the loan). There are no balloons. There are no costs or underwriting process for the borrower to incur when the re-set occurs.Credit scores as low as 650.

CMBS Small Balance Program Rates

Main benefits of the CMBS, small balance program include higher loan to value then bank financing (Up to 80%!), lower fees then SBA loans and longer fixed periods (Up to 30 years.)  This is not your local community bank programs!  Loan amounts from $500,000.



Commercial Mortgages #calculate #auto #loan


#best loan rate
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What is a Commercial mortgage?

Commercial mortgages are used to buy business premises or to buy an existing business in its entirety.

Lenders generally require a deposit of around 25%-40% of the total value and mortgage terms can run for one year, up to 40 years.

Obtaining a commercial mortgage is based on the ability of your business to make the repayments. You will also find that lenders will assess your business before quoting you an interest rate.

They generally look at past performance, the current position and long term future plans of the business. The interest rate you will be quoted may be based on these factors and may be higher if the underwriter identifies higher risk in the proposal. You may need to provide a detailed business plan which demonstrates that you can make repayments, and a professional valuation will usually be required.

Our commercial mortgage best buys

Our commercial mortgage best buys show a selection of the most competitive lenders operating in different lending sectors. It is usually the case that these lenders also consider other types of property (a lender which lends on garage showrooms may also lend on office buildings for instance), although you should note that the deposit you are required to provide may differ between lending sectors, so it’s always best to check the deposit you’d need for the type of business premises you have, or are considering.

Speak to a commercial mortgage advisor



Commercial Mortgage #how #to #get #a #business #loan


#commercial loan rates
#

Commercial Mortgage Solutions

Get the financing you need to make room for your growing business.

The need for more buildings and facilities means your business is growing for sure. You can count on our great service and simple application process to get you fast access to the financing you need for acquisition, development and construction of commercial properties. Whether you’ve outgrown your current office space, need to add another retail location, or want to open a warehouse for inventory storage, our commercial lending solutions offer competitive fixed or variable rates and flexible terms.

If you already have a commercial mortgage loan, with SunTrust or another commercial mortgage lender, we can also help you refinance to take advantage of a lower interest rate.

A SunTrust business banker can help you choose the right commercial mortgage lending solution for your growing business. Call 877.370.5108 for more detail about your available options.

Looking for a more flexible financing option? Learn how SBA 504 loans could be a great alternative to a commercial mortgage loan.



Commercial Loan Provider #car #title #loan


#commercial loan
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Long Term Rental Property Loans

Disclaimer:

Pursuant to U.S. State & Federal Laws the following is a statement of your legal rights.

Disclaimer & Legal Rights

No Warranties

ALL WEB SITES, PRODUCTS AND SERVICES ARE PROVIDED, AS IS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. OUR COMPANY DOES NOT

WARRANT, GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING

THE USE, OR THE RESULTS OF THE USE, OF THE WEB SITES, PRODUCTS, SERVICES OR WRITTEN MATERIALS IN THE TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, CURRENTNESS OR OTHERWISE. THE ENTIRE RISK AS TO THE RESULTS AND PERFORMANCE OF THE WEB SITES, PRODUCTS AND SERVICES ARE ASSUMED BY YOU. IF THE WEB SITES, PRODUCTS, SERVICES OR WRITTEN MATERIALS ARE DEFECTIVE, YOU, AND NOT OUR COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

THIS IS THE ONLY WARRANT OF ANY KIND, EITHER EXPRESS OR IMPLIED, THAT IS MADE BY OUR COMPANY. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY OUR COMPANY SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY, AND YOU MAY NOT RELY ON SUCH INFORMATION OR ADVICE TO DO SO.

Customer Remedy

Our company’s entire liability, and the purchaser’s exclusive remedy, shall be a refund of the price paid or replacement of our products, at our option. We limit replacement to thirty days. All remedies are limited to the United States.

Some states do not allow the exclusion or limitation of liability, so the above limitations may not apply to you.

Limitation & Exclusion Of Liability

These warranties exclude all incidental or consequential damages. Our company, and its suppliers, will not be liable for any damages whatsoever, including without limitation, damages for loss of business profits, business interruption, loss of business information, or other pecuniary loss. Some states do not allow the exclusion or limitation of liability, so the above limitations may not apply to you.

Legal Forum, Choice Of Laws & Official Language

This offering is a contract between you the buyer and our business, the seller. The seller is located in Cleveland Ohio, U.S.A. and by doing business with us you agree that this offering is made from Cleveland Ohio, U.S.A and shall be governed by the laws of the State of Ohio and the U.S.A. By electing to participate in this offer, you are entering into a contract.

This Agreement shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of laws rules. Any legal action arising out of this Agreement shall be litigated and enforced under the laws of the State of Ohio. In addition, you agree to submit to the jurisdiction of the courts of the State of Ohio, and that any legal action pursued by you shall be within the exclusive jurisdiction of the courts of Ohio in the State of Ohio, USA.

The terms constituting this offering are set forth in writing on this Web site. You hereby agree to submit to the jurisdiction of the State and Federal Courts located in Cleveland Ohio, U.S.A. to resolve any disputes or litigation hereunder. Whether or not you choose to print this offering, containing the terms and conditions as described herein, you agree that this contract constitutes a writing.

This agreement is being written in English, which is to be the official language of the contract s text and interpretation. If you do not agree with the above terms and conditions, you have the option to not participate in this offer.

Copyrights

This Web site and information contains copyrighted material, trademarks, and other proprietary information. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works of, on in any way exploit, in whole or in part, any Proprietary or other Material.

License

All images, text, contents, products and scripts are licensed and never sold, unless otherwise stated. Reproduction is prohibited. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, otherwise reverse engineer, or transfer the licensed program or product, or any subset of the licensed program or product, except as provided for in this agreement or expressly in writing. Any such unauthorized use shall result in immediate and automatic termination of this license and may result in criminal and/or civil prosecution.

Our company reserves all rights not expressly granted here.



Commercial Mortgage #payday #loans #online #no #credit #check


#small loans online
#

We Help Commercial Property Owners, Real Estate Investors and Business Owners Get the Money You Need When Your Banker Says, NO

When Your Local Banker Says ‘No’ To Your Small Balance Loan Request Turn To Us For Reliable Funding Sources

In today’s credit market, even if you have been a great customer with a bank for years, they may still turn down your real estate or business loan request if they have too many bad loans on their books, need to increase their cash reserves or are just too plain scared of taking on any new loan risks.

You are likely searching online for another reliable lending source and found our website because this has happened to you. We are here to help.

We have created a Directory of Funding Sources for you to download for free. Just click on the button at the top of the page.

This directory is ideal for small balance commercial loans under $500,000, commercial and residential rehab property projects and business loans.

If you are looking for other types of commercial loans, go to the left sidebar and find your loan type and click on the Apply Now! button to be directed to a reliable loan source.

Commercial Property Loans

For details on loan criteria on some specific loan or property types, go to the list on the left sidebar and click on the loan type with a hyperlink.

Alternative or Outside-the-Box Loan Options

If you are a real estate investor or business owner, you may not have a project that is easy to finance with a bank or other typical lending source. For example, finding money for a real estate rehab project can be very challenging.

We have identified some alternative or outside-the-box loan options for you. For details go to the left sidebar and look for Rehab Loans Apply Now! button.

We also have information on raising all the money you want from private money sources that will avoid you having to jump through all the hoops banks and even hard-money lenders want you to go through before handing over their money. Click here for more details

As an aspiring business owner or established business owner, obtaining a business loan or credit line can be a challenge. We have information you can use on getting money for your business.

1. Click here for details and your copy of our special report: 21 Ways Business Owners Can Raise Cash and Restructure Debt

Business Loans and Services for Small and Medium-Sized Business Owners

In today’s economic environment, smart business owners are looking for solutions to enhance their cash flow with a business loan or line of credit. Since many commercial property owners are business owners, we have expanded our services to help business owners obtain business financing, reduce debt and cut costs to increase cash flow.

For more details on these business solutions click on the name of the money solution below:

Credit Card Processing Fees: 3 out of 4 business owners qualify to cut their credit card processing fees with substantial savings

Business Cash Advance: Option #1: Obtain a cash advance based on your credit card sales volume

Business Cash Advance: Option #2: Obtain a cash advance based on your account receivables, aka, factoring

Business Debt Restructuring: Let an experienced law office negotiate your business debt with creditors and avoid BK

Sell Your Note: You can sell your business note or real estate note and get needed cash in just days

Do You Know the 3 Phases To Getting Loan Approval?

The key to getting fast approvals with banks and other loan sources is a well-prepared loan submission package that uses a little-known LOAN APPROVAL FORMULA.

Phase 1. Matching the Right Lender with the Loan Request – Not all lenders like all loan types. Lenders typically have loan niches that they like to fund. If you pick the wrong the lender for your loan type, expect to get quickly rejected.

Phase 2. The Loan Submission Package – Once a matching lender is identified, the next critical phase is to submit a loan package that gets approved by the underwriter. and in a timely manner.

Your loan package is your opportunity to put your best foot forward and present your project as favorably as possible to the lender. If you mess up this critical step, your loan package will go to the bottom of the underwriter’s stack and will eventually go in the reject pile.

If you would like to enhance your chances of getting your loan request approved, you should have your loan package Pre-Underwritten.

What does that mean? Well, banks and other lending sources have cheat sheets they use to underwrite or qualify loan requests. The underwriting criteria is different for each property type.

So, even though you may have a complete and professional loan package, if you don’t know the ratios the underwriter uses to approve your loan, you’ll still end up in the reject pile. Most loan brokers don’t bother to do this because it means more work for them. To make sure that doesn’t happen to you, ask them specifically about this feature of a loan submission package.

Phase 3. The Loan Underwriting Process – Many tasks are being done during your loan approval and underwriting process. You need to work closely with the underwriter or loan officer to make sure you submit complete and clearly understood documents in a timely manner to avoid delays. And remember to FOLLOW UP, FOLLOW UP and FOLLOW UP with good communication.

If you’re serious about getting a small balance commercial property loan or business loan, grab the Directory of Funding Sources now at the top of the page.



National Commercial Bank – NCB Unsecured Loans #college #loan #consolidation


#unsecured loan rates
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Unsecured Loans

We do UNSECURED LOANS!

At NCB, we have a loan for just about anything you can think of!

Unexpected medical bills?

Roof needs repairs?

Completely forgot about school fees?

We’ve got a loan for that!

We have special loan packages with competitive interest rates and flexible payment plans for just about anything life may throw at you.

There are also special unsecured loan packages for the:

  • self employed
  • contract employees
  • civil servants inclusive of teachers, police and nurses
  • private sector employees
  • doctors
  • lawyers

Whatever your occupation, NCB has a loan to help you face any eventuality.

Come in and talk to us about acquiring a loan to advance your education or that of a family member. You can also take care of medical expenses, home and motor vehicle repairs or any other expense! Our customer service representatives will help you find the loan that’s right for you.

Some of the documents you will need include:

  • Copy of last three (3) Salary Slips or last 12 month’s bank statements if you’re self employed
  • Copy of last utility bill (Electricity, water, internet or telephone bill)
  • Valid photo identification
  • Twelve (12) months account statement from your financial institution
  • Two (2) references
  • TRN Card
  • Confirmation of address (e.g. utility bill)

*Above list is not exhaustive. Your NCB representative will inform you of all other necessary documents.

For more information visit us at www.jncb.com or come in and talk to one of our representatives at your nearest NCB branch.



Today – s SBA Loan Rates: Commercial Real Estate Loans #get #a #loan


#sba loan rates
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Today’s SBA Loan Rates

Jan. 18, 2011

We are going to break down the current SBA loan rates. into two categories, 1. on SBA 7a loans and 2. on SBA 504 loans. Both are very different so we will describe what the current rates are separately, and give a brief description of the programs themselves.

SBA Loan Rates on 7a Loans

The vast majority of banks tie their 7a loans to Prime Rate, which is currently at 3.25%. The banks margin is normally 2.75%, so the Effective Rate for the borrower is currently at 6%. It is very uncommon in this market for a bank to offer an effective rate less than 6%. Most banks are reluctant to lend, so if they do they are currently maxing out their margin.

Also, the SBA 7a loan. is used for the purchase or refinance of commercial real estate, business goodwill, equipment, debt consolidation (limited) and working capital. The loan is almost always amortized over 25 years and the rate floats with Prime, adjusting quarterly. Prepayment penalty is 5% year one, 3% year 2, 1% year 3, gone thereafter. Loan amounts can go up to $5,000,000.

SBA Loan Rates on 504 Loans

The SBA 504 loan. has two different loans and therefore 2 different rates. The first lien position loan is a conventional bank loan, so its terms and rates vary from one lender to the next. By the most common loan would be a 5 year fixed on either a 20 or 25 year amortization schedule. For example, our 504 loans are tied to the LIBOR 5 Year Swap, which is currently at 2.15%. The margin depends on the financial strength of the borrower as well as the loan size, but the Effective Rate is currently between 5.8% and 6.2%, on a 25 year amortization schedule. Theses loan also come in a 1, 3 or 10 year fixed rates, on a 15, 20 or 25 year amortization schedules.

The second lien loan is the SBA loan also referred to as the CDC loan, it. s a 20 year fixed loan on a 20 year amortization schedule. The current debenture rate is 5.79%.

Go here to see the most updated commercial loan rates. including the 504 debenture rates, conventional commercial mortgage and SBA 7a loan rates.



Small Business Loan Program for Commercial Prosperity #instant #loans


#unsecured business loan
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Small Business Loans for Commercial Prosperity

Let s face it, we can all use more capital for our business. Unfortunately, there have been too many scenarios where a well-run company was unable to get funded due to extremely stringent lending criteria from traditional lending institutions. Maybe it was because of a bad credit rating, lack of collateral, or simply a lack of knowledge. It doesn t have to be this hard. Many times it s as simple as establishing a relationship with a reputable financial institution to get you started towards a more prosperous path. But where do you start and who do you turn to? The Halo Capital Group can step in and help you in this process. We are network of lenders and investors that use an efficient application process to get you funded quickly, with the most competitive rates and flexible terms in the industry. To learn more, fill out the form to the right and someone will get back to you within a few hours to discuss your options.

Loan Types

Get the Personal Service You Deserve

A Solution Catered to Your Needs

Quick Hassle Free

What could your company do today with an additional $10,000 to $10,000,000 + ?

We make it simple, so you can get back to running your organization.

Because there’s more to your business than a credit score.

Decisions in as fast as 1 business day, funding in as fast as 2 business days.



Private Money Commercial Loans From Blackburne – Sons #debt #consolidation #loans #bad #credit


#commercial loan rates
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Private Money Commercial Loan Rates – Nationwide

Blackburne Sons Realty Capital Corporation (est. 1980) is seeking the following types of commercial loans:

  • Permanent first mortgage loans
  • Bridge loans in a first mortgage position
  • Land loans
  • Sorry, no construction loans

$100,000

$1,500,000 (maybe up to $2,500,000)

Acceptable Properties

All standing commercial properties, plus land loans. including:

  • Multifamily
  • Office
  • Retail buildings
  • Strip centers
  • Shopping centers
  • Industrial buildings
  • Warehouses
  • Mixed use buildings
  • Self storage
  • Hotels
  • Motels
  • Assisted living
  • Residential care homes
  • Day care facilities
  • Gentlemen’s clubs

1 to 15 years, most typically 3 years to 5 years

2.5 points to 6 points, usually 3.5 points

Usually none

Application Fees / Upfront Fees

None

Loan-to-Value Ratio

  • Purchase money loans: 70%
  • Refinances: 65%
  • Land loans: 25% to 50% (usually 40%)

Interest Rate

  • 7.9% to 9.9% in California
  • 10.9% to 13.9% outside of California

Every one of our hard money commercial loans is individually-priced based on the risk, the desirability of the property, and the size of the loan (larger loans are more expensive).

How to Guesstimate Your Likely Interest Rate

  • Subtract 1% if the property is less than 30 years old
  • Add 1% if the property is 50+ years old
  • Subtract 1% if the loan-to-value ratio is less than 45%
  • Add 1% if the loan-to-value ratio exceeds 55%
  • Subtract 1% if the loan is smaller than $400,000
  • Add 1% if the loan is larger than $700,000 but smaller than $1MM
  • Add 2% if the loan is larger than $1MM
  • Subtract 1% for very attractive properties
  • Add 2% for properties less-than-average in appearance
  • Subtract 1% for purchase money loans
  • Subtract 1% for credit scores of 700+
  • Add 1% for credit scores between 550 and 630
  • Add 2% for credit scores below 550
  • Add 2% to 4% for land loans

Sacramento Office:

BLACKBURNE SONS REALTY CAPITAL CORPORATION

4811 Chippendale Drive, Suite 101, Sacramento, CA 95841

Alicia Gandy – Loan Department Manager and Loan Officer



FRB: Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks #student #loan #network


#bank loan rates
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Delinquency Rates

1. Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit. Return to table

Not available.

Source. Federal Financial Institutions Examination Council (FFIEC) Consolidated Reports of Condition and Income (1985-2000: FFIEC 031 through 034; 2001-: FFIEC 031 041).

Notes

Charge-offs, which are the value of loans removed from the books and charged against loss reserves, are measured net of recoveries as a percentage of average loans and annualized.

Delinquent loans are those past due thirty days or more and still accruing interest as well as those in nonaccrual status. They are measured as a percentage of end-of-period loans.

Banks are insured U.S.-chartered commercial banks.

Size, where used, is measured by consolidated assets adjusted for mergers; where used, “other” banks are those smaller than the 100 largest.

Special Notes

The adoption by some banks of FAS 159, The Fair Value Option for Financial Assets and Financial Liabilities, affected charge-off and delinquency rate data for 2008:1. Because the effects of the accounting change on the dollar volume of loans reported on banks’ loan books were small, the effects of the accounting change on banks’ charge-off and delinquency rates were presumably small for the industry as a whole. Information on the dollar impacts on banks’ loan books can be found on page 14 in the “Notes on the Data” section beginning with the April 11, H.8, Assets and Liabilities of Commercial Bank in the United States, statistical release. For more information on FAS 159, please refer to www.fasb.org/st/summary/stsum159.shtml.

Owing to a reporting problem, delinquency rates for residential and commercial mortgage loans for the third quarter of 1999 are partially estimated.



Fixed Rate Commercial Mortgage Loans #small #loans


#commercial loan rates
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Benefits Of Fixed Rate Commercial Mortgage Lending

Long term commercial fixed rate financing is still available.  These loans are structured with fixed rates from 5, 10 and even 30 years.  On our popular 30 year fixed loan, the rate and amortization schedule is the same, ie 30 year fixed, with a 30 year amortization schedule, similar to a residential loan.  Actual interest rates and fees are also competitive.

Fixed rate commercial mortgage makes budgeting and planning easier for your business.

Fixed rate commercial mortgage products are mortgages that have a fixed interest rate and payment for the full term of the loan. These loans make it easier to budget, especially over the long term, and offer stability across an ever-fluctuating market.

It is vital for businesses to know their exact costs each year, and the mortgage rates can be fluctuating on a yearly basis, so a business could easily end up paying higher interest within a few years on their loans.

Typical properties include: Multi-family, Apartments, Anchored, Unanchored Retail, Hotels, Motels, Offices Buildings, Light-Industrial, Self-storage and more.

Term: Typically 5 to 30 year maturities.

Rate: Interest rates set at spreads usually ranging from 150 to 275 basis points over corresponding Treasuries, depending on property type and underwriting criteria.

Loan to Value: Subject to underwriting criteria, generally up to 90% LTV.

Additional features such as: Prepayment, assumption, liability and amortization will be thoroughly explained once you’ve contacted a lending representative from your free matched list of funding sources.



Fast Commercial Hard Money Loans #private #student #loan


#quick money loans
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Fast Commercial Hard Money Loans

simple and quick

Real estate with equity, funded by private investors

Hard Money Loans, Fast Private Lenders, Special Circumstance Financing Structures are available for almost any type of commercial real estate or residential development that cannot be funded by the more traditional lender.

Since all loans are secured only by the equity in the real estate bad credit and inability to verify income are secondary considerations.

Loans sizes range from $20,000 to $900,000 or more on properties nationwide in USA and elsewhere on this planet. Terms can be as short as 6 months to as long as 30 years. Interest rates are dependent on the risk analysis of each project, but are typically in the 8% – 15% range with low fees starting at 2%.

LendingUniverse combined the power of hundreds of private investors’ resources to structure your financing requirements — especially a hard money loan. Start here to secure your loan!

Looking for a mobile home loan or farm loan and want to know if Lending Universe can help you find it? The list below spells out the numerous loans available through our lending network, including mobile home loans. rural properties, small business loans. personal loans and other specialized types of financing. Whatever type of loan you need, you’ll find it at LendingUniverse.com.

  • Hard Money Loans are collateral-based real estate loans made by private investors instead of banks. They can be funded by a private individuals known as PRIVATE HARD MONEY LENDERS or PRIVATE HARD MONEY INVESTORS, trusts, partnerships, real estate investment groups and retirement funds. Hard Money Loan is actually a very simple concept.
  • HM Loans are funded for business and personal use. The real estate asset may be business or personal property, and the proceeds of Hard Money Loans are not restricted to business use.
  • Creative lending solutions are needed for borrower’s who have low credit scores, low income, no cash flow or are in need of a quick closing! Hard Money Loan can finance single family, commercial property
  • Our Loans are private, which does not require the same guidelines as other loan types.

For this reason, the Hard Money Loan is often asked by people who:

  • Have a history of bad credit.
  • Have no credit.
  • Have previously had a home foreclosure.
  • Have unverifiable income.
  • Must refinance immediately.
  • Trying to finish a construction loan.
  • Currently behind on your mortgage payments.
  • Currently facing foreclosure or have a notice of default filed against you.
  • Need a mortgage loan immediately and are willing to pay more to have it close quickly.


Commercial Mortgages #loan #amortization #schedule


#best loan rate
#

What is a Commercial mortgage?

Commercial mortgages are used to buy business premises or to buy an existing business in its entirety.

Lenders generally require a deposit of around 25%-40% of the total value and mortgage terms can run for one year, up to 40 years.

Obtaining a commercial mortgage is based on the ability of your business to make the repayments. You will also find that lenders will assess your business before quoting you an interest rate.

They generally look at past performance, the current position and long term future plans of the business. The interest rate you will be quoted may be based on these factors and may be higher if the underwriter identifies higher risk in the proposal. You may need to provide a detailed business plan which demonstrates that you can make repayments, and a professional valuation will usually be required.

Our commercial mortgage best buys

Our commercial mortgage best buys show a selection of the most competitive lenders operating in different lending sectors. It is usually the case that these lenders also consider other types of property (a lender which lends on garage showrooms may also lend on office buildings for instance), although you should note that the deposit you are required to provide may differ between lending sectors, so it’s always best to check the deposit you’d need for the type of business premises you have, or are considering.

Speak to a commercial mortgage advisor



Commercial Mortgage Guide – #payday #loan #no #credit #check


#commercial loan
#

Looking for a Commercial Mortgage?

B2B Commercial Mortgages

When are commercial mortgages used?

Commercial mortgages generally take over where business loans finish. Business loans up to 25,000 are unsecured, but for larger amounts lenders need security in order to reduce the risk to themselves. Because of the legal and administrative costs of taking security on commercial property it is considered uneconomic to borrow under 50,000 this way, and some lenders have a minimum of 75,000 or more.

How to find the best deal

Because of the complexity we have teamed up with specialist commercial mortgage brokers, B2B Commercial Mortgages, who offer an online service and who charge no Broker fees. B2B are NACFB members who you can rely upon to find you the best deal, since they cover the entire market.

What can be offered as security?

Generally lenders take the property you are buying as the only security for the loan, which is typically 70% of the value of the property, and ask for a cash deposit for the balance of the purchase price. If you don’t have the cash you can offer the lender additional security, which is typically other property which you have considerable equity in, but could be a charge over other assets such as an insurance policy or shares.

Can I get a mortgage on a leasehold property?

Only if the lease remaining is more than 70 years, for most lenders, otherwise you will need additional security.

How long are commercial mortgages for?

Commercial mortgages are typically from 3 to 25 years. Shorter term finance is also available and this may be called a bridging loan or property development loan, which you may have from a few weeks up to 24 months.

Are all commercial mortgages variable rate?

No, but most are. Typically a rate will be quoted as X% over base or LIBOR, and this in residential terms would be called a tracker mortgage. Fixed rate mortgages are available and for amounts under 500,000, where the lender takes the rate risk themselves, they may be advantageous. But mortgages where the lender passes the risk on to the borrower by using a Swap contract are best avoided. These complex derivatives are not suited toSME borrowers.

Why can’t I find a definite rate?

The rates charged for commercial mortgages and business loans are not pre-determined like personal loans usually are. In each and every case when an application is made for a commercial mortgage a lending manager looks at it carefully to assess the risk level in making the proposed loan. A great deal of information is required for this decision. The lending manager will vary the rate offered to take account of the riskiness of the loan. Larger loans with a low risk will get the best rates. Lenders usually have a risk profile that they work to, so if your loan falls outside their risk profile it will be refused.

How much can I borrow?

For owner occupied property you can find a 70-75% mortgage. If it is an investment then the amount you can borrow will be determined by the rental income generated by the investment, but will not exceed 65% of the purchase price. If you are buying a business which includes goodwill, stock etc then the amount available will be further reduced.

Arrangement fees

Whilst arrangement fees are usually added to the loan when it completes, some lenders want some money to cover their work if you don’t accept their offer. In this case they may charge a commitment fee, which is part of the overall arrangement fee, but is payable with your formal application, and is non-refundable. Arrangement fees are typically 1% -2% of the loan amount for loans up to 1 million, with the smaller loans getting the higher rates.

Valuation Fees

Commercial properties are far more variable than residential ones, so a valuer will be required to visit the property and write a 20-30 page report about it to the lender. Typically residential properties are not visited by a valuer today, which is why they are much cheaper than commercial valuations, which start at around 500 for a simple case, but again because of variety are not done on a fixed price but from a bespoke quotation. This is payable to the lender after an initial indicative offer has been accepted.

Legal Fees

You will be required to pay both your own legal fees and those of the lender. Again because of the variety of property legal fees will vary with complexity, but start at around 500 for each party. Savings in cost and time can be made where it is agreed that both parties will use different partners in the same firm for representation.

Using a broker

It makes sense to use a specialist commercial broker who has the contacts and market knowledge to get you the best deal. The broker has to present your case to the lenders, so you must be truthful and fully co-operative in your dealings with your broker. Do not try to use several brokers simultaneously, you will be embarrassed and may end up empty handed. Brokers who are members of the NACFB can be relied upon to have Professional Indemnity insurance and to abide by a code of practice.

Broker fees

Many brokers charge for finding commercial mortgages, expect to pay a fee of up to 1% of the loan value, but don’t agree to pay anything until the broker has produced a loan offer at terms that you have pre-agreed with them.



Commercial Business Loans #home #loans


#small business loan
#

Search Results For Business Loans

Small Business Loan Report: You Have the Right to Remain Funded

Hunting down hard-to-obtain business loans can be a challenge. View our Small Business Loans report to learn more about what s available.

  • By Business.com Editorial Staff
  • June 13, 2014 Whitepaper

Getting By Without a Business Loan

Bootstrap Your Small Business With These 5 Alternative Funding Methods

Entrepreneur Funding: Business Loans, and More

the wisest option is not to attach your personal assets as collateral, so consider your other options, including business loans, angel.

How Lenders Use Personal Credit to Approve Small Business Loans

Before the Business Loan: Questions That Must Be Asked

Small Loans to Start or Grow a Business

Need a small loan to start or expand a business — a so-called microloan? If so, there s good news. Despite what you might have read.

6 Easy Ways to Improve Your Chances for a Small Business Loan

Getting a small business loan is no easy matter these days. Robert Seiwert, an official with the American Bankers Association, offers.

Is Finding a Business Loan a DIY Kind of Thing?



Commercial Loan Modifications #bankrate #loan #calc


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Commercial Loan Modifications

Commercial Loan Review, Inc. (CLR) is the leader in the commercial loan modification and discount note workout industry. Negotiating with your lender on your behalf, CLR can help you:

  • Reduce Principal and Interest payments
  • Extend the term of the note
  • Interest only payments for a period of time
  • Suspend payments for a period of time
  • Stop Foreclosures on distressed properties. Auctions, and Sheriff Sales
  • Facilitate Short Sales
  • Stipulated Foreclosures
  • Extend Balloons
  • Combinations of remedies / solutions mentioned above

Throughout our years in the industry, we have successfully renegotiated commercial notes with workout solutions which are mutually beneficial to both our clients and their lenders. Our expert negotiators have been able to obtain favorable, permanent changes in the terms and conditions of our clients’ commercial loans. Our commercial loan modification program has helped our clients keep their properties, and be able to meet the cost of operations, and put their fears of future late payments and possible foreclosure to rest. We have successfully stopped sheriff sales, receiverships, and foreclosures. This has saved our clients thousands of dollars–and their properties.

Commercial Loan Workout

Many businesses are struggling to meet their obligations on their commercial real estate loans. The staggering number of defaults have influenced many commercial lenders to start renegotiating the terms of commercial notes. Our team of well-trained professionals specialize in commercial loan workout and deferment solutions. We are committed to our clients and their commercial loan workout needs. We have literally saved our commercial property owners from bank foreclosures and have helped them become cash flow positive.

Commercial Loan Review Services

Commercial Loan Review, Inc. (CLR) is dedicated toward helping our clients obtain the perfect loan workout solution customized to their needs. We deliver creative loan workouts which are case-specific. With CLR, you can be sure you are receiving a top tier service for commercial loan modifications. As a result of our success and confidence with our commercial loan workout program, we offer a full guarantee on our services. Our objective is to help clients receive the most favorable commercial loan modification possible.

We are able to perform commercial loan restructuring on:

  • Hotels, Motels, and Resorts
  • Condominium and Apartment Buildings
  • Malls, Strip Centers, and Restaurants
  • Office Buildings and Complexes
  • Industrial, Storage, Warehouse and Manufacturing Facilities
  • Health Care Facilities
  • Mobile Home Parks
  • Land Development
  • And Much More!

The first step toward receiving help with your existing commercial mortgage is to contact Commercial Loan Review (CLR). Contact CLR at: 877-227-2000

You can also choose to fill out the no obligation, free consultation form on the right. Within 12 hours of submission, one of our highly skilled, knowledgeable, friendly and caring account managers will be in touch with you. They will listen to your particular situation, discuss your specific goals for you and your property, review your case for evaluation, and notify you whether or not your case has been approved for our commercial loan workout program.



Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


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Uncontested Divorce Program

Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

You can use this program if:

  • You and the person you want to divorce are over 18 years of age,
  • You and the person you want to divorce have no “children” under 21 years of age ,
  • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
  • All marital property issues, including debt, have been settled.

Information Checklist

You will need the following information with you when you use this program:

  • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
  • A copy of your marriage certificate.
  • If you have any of the following: Settlement Agreement, Order of Protection, etc.
  • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

Download and print the checklist of information you will need to complete this program.

Start

Note: You will be taken to our partner website called LawHelp Interactive.

You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

About DIY Forms

Who Can Use These Programs?
You can use DIY Forms if:

  • you’re a court user and you don’t have a lawyer;
  • you’re a legal services provider;
  • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
  • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

Computer Requirements
In order to use DIY Form programs, make sure you have the following:

Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

Help Using DIY Forms
See Frequently Asked Questions for help using DIY Form programs.

Related Information:



Advanced Fence – Gate #chicago #fence, #fence #chicago, #chicago #fence #contractor, #fence #contractor #chicago, #chicago #fence #repair, #chicago #fence #install, #fence #installer #chicago, #install #fence #chicago, #chicagoland #fence #companies, #fence #companies #chicagoland, #fence #installers #chicago, #wood #fence #chicago, #advanced #fence #systems, #fence #estimate #chicago, #fence #west #suburbs, #fence #repair #suburbs, #gate #install #chicago, #custom #wood #fences #chicago, #chicago #fence #companies, #fence #companies #chicago, #vinyl #fences #chicago, #wood #fences #chicago, #steel #fence #chicago, #chainlink #fence #chicago, #commercial #fence #chicago, #residential #fence #chicago, #fence #cook #county, #cook #county #fence


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Your Chicago Based Professional Fence Contractor

Advanced Fence Gate is a full-service, Chicago based, professional fence contractor providing fence installation to homeowners, general contractors, home builders, architects and landscapers throughout the greater Chicagoland area such as, the North side of Chicago and surrounding suburbs such as, Park Ridge, Evanston, Des Plaines, Oak Park to name a few. Please check to see if we provide fence services in your area.

We have an outstanding reputation for service and workmanship and we are capable of providing quality results on any size project. See what some of our customers have said about our work.

Advanced Fence Gate guarantees quality fence installations for many different types and styles of fences. Our comprehensive product selection allows our customers to make educated height, style and material choices to truly best suit their fencing purpose within budgetary limits.

Our Creative Fence Solutions Team assists our customers with prioritizing the most common reasons for installing a fence:

  • Security
  • Beautify the property
  • Hide an ugly view
  • Containment: keep children and/or pets safely within your property
  • Block traffic (driveways, etc.)
  • Privacy from neighbors
  • Sound abatement

Our Production Department constantly strives to assure professional fence and gate installations. We attend all local and national trade shows and training seminars in order to stay abreast of new products and installation techniques. In addition, We have completed the American Fence Associations Field Training School (FTS), Sales training school (STS) and IDEA Automated Gate Systems Designer (CAGSD) certification process.

We are actively involved in each phase of the fencing plan. We know who our customers are and what is going on with their project at all times. Our estimators and crews are courteous, knowledgeable, and reliable.

We show up on time, finish the job in a timely manner, and clean up after ourselves. In addition, we are financially stable and carry both liability and Workman’s Compensation insurance. We are involved in the communities we serve and have knowledge of local building codes.

Our pricing is set to provide you with the best value for your fence or gate options. We use the highest quality materials and the best installers available, yet we remain very competitive in the marketplace. We will work with you to provide solutions for your fencing needs. We continue to be the premier fence contractor in Chicago and we value our reputation as well as enjoy working in the fence and gate industry. It s our goal to make that abundantly clear, should you choose to have Advanced Fence Gate supply you with your fence or gate needs.

Call us toll free at (877) 774-6657 for: Insurance Certificate, Bond, License and/or Reference List.

Services We Do Not Provide

  • we do not repair fencing unless we were the original installer
  • we do not install residential projects less then 50 linear feet of total footage
  • we do not install garage doors
  • we do not install decks and porches
  • we do not offer staining and painting of fencing
  • we do not install sheds and gazebos
  • we do not provide installation services for consumer purchased materials
  • we do not service gate operators and access control systems installed by other contractors
  • we do not do concrete work including sidewalks, patios, and driveways


Atlanta Northside Gutter Cleaning Inc We Keep The Water Out #gutter #cleaning,altanta #gutter #cleaning,gutter #cleaning #atlanta,gutter #repair,commercial #gutter #cleaning,french #drain,duluth #gutter #cleaner,norcross #gutter #cleaner,alpharetta #gutter #cleaner,suwanee #gutter #cleaner,lilburn #gutter #cleaner,norcross #gutter #cleaning,duluth #gutter #cleaning,alpharetta #gutter #cleaning,suwanee #gutter #cleaning,lilburn #gutter #cleaning,gutter #cleaning #in #atlanta #ga, #gutter #cleaners, #gutter #cleaner, #gutter #repair, #gutter #cleaning #services, #marietta, #roswell, #alpharetta, #dunwoody, #duluth, #suwanee,lawrenceville, #lilburn, #snellville, #ga, #georgia


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Lifetime Warrantee On Gutter Screens. Covers and Repairs !

Atlanta’s premium gutter cleaning and gutter repair service. Years of water management experience allow us to identify and resolve gutter problems before they become expensive water damage issues. An ounce of prevention is worth a pound of cure.

We keep the water out.

Lifetime warrantee

Lifetime warranty on all gutter system gutters and gutter guard instillation. We simply do the job right the first time. We have been in business since 1994 and in the commercial building maintenance industry since the late ’80s. The majority of our staff has been with us for over 9 years. All of our gutter service men are quality individuals trained to focus on the overall health of your rain water drainage system.

We put the ladder against the home as little as possible and use a specialized high angle rope harness technique to safely clean off the roof, reach all the gutters and downspouts. The technique is often imitated but never duplicated.

We inspect the entire rain water drainage system as we go, including the underground drains. We also blow off your driveways, all your walkways, decks, and patios to make the job complete

Pressure washing services available.

Homes, Driveways, Patios and just about anything that needs a good wash.

Have a great day. God Bless America.

770-447-5222 Est. 1994 BBB Professional Service Great Rates!

If you live in one of the following cities your house is in our gutter cleaning service area: Atlanta, Norcross, Duluth, Berkeley Lake, Alpharetta, Suwanee, Lawrenceville, Dunwoody, Sandy Springs, Roswell, Vinings, Buckhead, Midtown, Decatur, Chamblee, Doraville, Lilburn, Snellville, Dacula, Buford, Sugar Hill, Flowery Branch, Cumming, Milton, Johns Creek, Clarkston, Stone Mountain, Tucker. We also service parts of Gainesville, Oakwood and. Braselton.

Atlanta’s Experienced Gutter cleaning Gutter Repair |Gutter protection Underground Drain Cleaning service. Fully Insured A+ rated Member of BBB

2194 Wesley Ct, Norcross, GA 30071 | 3355 Lenox Rd. Suite 750, Atlanta. GA 30326 | 2010 Northside Gutter Cleaning, Inc. All Rights Reserved. | Contact us | Links | Site Map



Counterintelligence Courses and Briefings – CI CENTRE #counterintelligence,counter-intelligence, #counterintel,counterespionage,spy, #espionage, #spies, #spying, #counterintelligence #training,ci, #ci #centre, #education, #training, #courses, #briefings, #awareness, #consulting, #database, #cases, #spy #cases, #espionage #cases, #security #cases, #leak #cases, #illegal #export #cases, #homegrown #jihadists #cases, #terrorism #cases, #defectors, #foreign #intelligence #officer #cases, #venona #spies, #encyclopedia,research, #analysis, #counterterrorism,counterterrorism #training,investigations #training, #opsec #training,interview #skills, #security,security,inspections,inspectors,interviewing #training,security #awareness,spydrive,intelligence,national #security,defense,fbi,cia,military #intelligence,counterintelligence #academy,gsa #schedule, #economic #espionage, #foreign #intelligence #services,law #enforcement,intelligence #speakers #bureau, #homeland #security,cross #cultural #awareness, #commercial #off #the #shelf #training, #cots, #history, #quotes, #calendar, #events, #videos, #podcasts, #membership, #community,cyber,cyberespionage,kgb,svr,insider #threats, #centre, #opsec, #cicentre, #ci #news, #ci #center,news,intelligence #history,


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The CI Centre has over 50+ already-developed commercial off-the-shelf (COTS) training courses and briefings which can immediately be provided to your organization. They are conveniently on the GSA Schedule for quick, easy and immediate ordering at the best price already negotiated by the US Government.

Since 1997, we have provided this training to over 70,000 Intelligence Community, Military, Law Enforcement and Corporate clients—and have consistently received the best course feedback by these attendees.

We can provide the courses at your organization’s location or at a third-party facility.

Your employees will benefit by learning directly from our world-class team of experts who each have 25-40+ years of real-world experience and expert knowledge to share in the counterintelligence, counterterrorism, investigations and security fields.

As a manager, you will benefit from the rave course reviews, increased interest and buy-in to CI, CT and security, and a valuable workforce that is more aware of potential threats. Plus, the CI Centre is a turnkey company, meaning you can let us handle everything from registration to certificates.

Let’s talk about how your organization can receive immediate, needed training by scheduling one or more of our courses and briefings for your employees. Call us at 1-800-779-4007 or 703-642-7450 or use our Contact Us form.

Counterintelligence Strategy, Tactics and Skills

COTS Training Courses and Briefings

ADVANCED COUNTERINTELLIGENCE STRATEGY SKILLS

CI Centre’s Commercial Off-the-Shelf (COTS) training courses taught by our expert instructors offer significant savings in procurement and maintenance to federal/state/local government and corporate organizations and we offer easy and efficient ordering.

• Our COTS training courses have already been fully designed and developed. Your organization does not pay for the design and development costs because these are COTS courses.

• Our instructors are ready to deliver them to your organization—right now. You don’t use your own time, personnel and resources.

• Our COTS courses are proven, successful entities, many of which have been delivered since 1996. You are purchasing a vetted course whose feedback from attendees has been consistently positive.

• The information in COTS courses are kept up-to-date by the CI Centre. Your organization is not charged this maintenance.

• Courses can be delivered by our expert instructors at our facility in Falls Church, VA (outside Washington, DC, at a third-party facility, or we can come to your location (travel expenses extra).

• With set prices for the COTS courses, ordering is quick, easy and efficient. No need to write or issue Statements or Work, Request for Proposals or Bids, or conduct surveys—GSA has already negotiated the best price for the US Government. GSA Contract Number: GS-02F-0210R. Schedule 874 Mission Oriented Business Integrated Services (MOBIS) under name of parent company David G. Major Associates, Inc.

• Government credit cards are accepted as a form of payment for all purchases. We have the ability to meet your end-of-year money training requests.

With COTS courses ready-to-go, your organization can fulfill your training requirements right now.

For modified, tailored and customized courses (content, length) and training solutions, please give us a call.

To schedule one or more courses for your organization, use our Contact Form or call us at 1-800-779-4007 or 703-642-7450.

Training cannot be provided without your Contracting Officer’s official approval and signature on our training contract agreement. No other person/official, however senior, may approve of the funds released for the training except the Contracting Officer. (Note: the Contracting Officer is different from the COTR)



Imperial Plumbing #imperial #plumbing, #plumbing, #gauteng #plumbing, #gauteng #plumber, #gauteng #water #heaters, #gauteng #bathroom #renovations, #gauteng #water #geyser, #gauteng #leak #detection, #gauteng #drain #cleaning, #gauteng #blocked #drain, #gauteng #shower #repair, #gauteng #plumbing #contractor, #gauteng #emergency #plumber, #gauteng #water #geyser #repair, #gauteng #shower #installation, #gauteng #water #geyser #installation, #gauteng #commercial #plumbing, #gauteng #water #reticulation, #gauteng #commercial #plumber, #gauteng #repipe, #gauteng #repiping, #gauteng #residential #plumbing, #gauteng #sump #pump #repair, #gauteng #residential #plumber, #gauteng #water #softener #installation, #gauteng #water #softener #repair, #gauteng #blocked #toilet #repair, #gauteng #burst #pipe #repair, #gauteng #septic #tank #plumbing, #gauteng #water #filtration #system #installation, #drains, #water #reticulation, #blocked #drains, #bathroom #renovations, #toilets, #taps, #water #geyser, #plumbing #contractor, #plumbing #services, #leaks


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Inspiration to Plumb the Nation

About

Imperial Plumbing has been trading since 2013 and operates out of Kyalami in Johannesburg. We offer a professional and affordable service catering for all clients domestic and commercial plumbing requirements.Our plumbers are qualified with trade test papers and have over 15 years’ experience in the industry.

We are affiliated to Imperial Electrical which has been operating for the past 12 years. Imperial Plumbing falls under the same Management and Directorship as Imperial Electrical, and therefore has the support, infrastructure, and business acumen essential to the success of a new business.

We assist with installations from planning to completion. Ordering and assisting with the choice of sanitary ware, as well as cover and guidance in regards to Health and Safety requirements where needed. Our services include:

  • Blocked drains
  • Leaking pipes
  • Leaking toilets
  • Bathroom renovations
  • Installation of Sanitaryware (Baths / basins / toilets / showers)
  • Burst Geysers
  • Water pressure problems
  • Drainage installations
  • Water reticulation (incl main lines and main drainage)

Maintenance

We offer a 24Hr maintenance service in and around Gauteng. We can also offer service level agreements tailored to clients requirements.

Projects

We are an approved vendor for many of South Africa’s most well loved and recognised brands

  • Famous Brands (Wimpy; Steers; Debonairs; Mugg & Bean; Tashas; Milky Lane)
  • John Dory’s
  • Kyalami Race Track (Porche)
  • Mutual and Federal Claims
  • Blend Property Managemant
  • Ocean Basket

We are affiliated to Plumblink and Union Plumbers and can therefore secure preferential pricing for our customers on all sanitary ware.

We are also able to offer solutions from GERBERIT who supply state of the art sanitary technology and specialise in product areas of sanitary and piping systems.



Cheap O Rooter #plumber,plumbing #repair,service,water #heater,commercial,residential,drain,riverton,utah,ut


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and the guys from Cheap O Rooter finished the job fast, clean and professionally .”

J. Smith- South Jordan

Looking for a plumber in Riverton who can provide you with the highest-quality plumbing services without trying to charge you a fortune? If so, you have come to the right place. Cheap-O-Rooter has made a name for itself in the Salt Lake City area with our affordable full-service plumbing services, which include sewer and drain cleaning, repairing and maintaining faucets, water softeners, tubs, showers, garbage disposals, and other important parts of your plumbing system. We also provide complete sewer and drain cleaning, which will clear more debris from your pipes than what you can find by using grocery store drain cleaners. Whether you are calling us for regular maintenance, to fix an inconvenient problem, or if you need emergency service, Cheap-O-Rooter will send a clean, respectful, and experienced plumber to your home to take care on any problem. Our plumbers understand that every home is constructed differently and can find solutions for your unique system.

With our combination of professional services and commitment to customer satisfaction, we have been able to help numerous families and individuals in from Riverton to Sugar House, and all along the Wasatch Front. Call Cheap-O-Rooter to ensure that your plumbing repairs and drain cleaning are done the right way.

Plumber Utah

With 32 years of Utah plumbing experience, Cheap-O-Rooter Drain is your choice for a Utah plumbing company. Our plumber technicians are professionally trained, licensed, drug tested, background checked, clean cut and courteous. We care about your home and property and treat it accordingly. Always prompt and reliable, Cheap-O-Rooter Drain provides you with safe and high quality plumbing in Salt Lake City, UT.

Plumbers Salt Lake City

Our Salt Lake City plumbers offer these services:

  • Bath and Kitchen Faucet
  • Pipe Leaks and Repair
  • Slab and Ceiling Leaks
  • Showers, Sinks, Toilets Plumbing Fixture Replacement (Bathroom, Kitchen and more)
  • Toilet
  • Faucet
  • Shower
  • Shut-off Valves and Valves
  • Garbage Disposals
  • Hot Water Heaters


  • Home, Auto & Business Insurance in Mt #insurance, #auto #insurance, #home #insurance, #car #insurance, #homeowners #insurance, #business #insurance, #commercial #insurance, #atlantic #shield #insurance #group


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    Home, Auto Business Insurance in Mt. Pleasant, SC

    Atlantic Shield Insurance Group opened in 2004. Our agency is located in Mt. Pleasant, SC, in the building with a pergola roof on Johnnie Dodds Blvd one of the busiest thoroughfares in the city.

    We are deeply involved in our community and in supporting local causes. The agency holds membership in the Mt. Pleasant Chamber of Commerce and Lowcountry Local First. We also take a unique approach to supporting local charities, focusing on organizations nominated by our customers. We see it as an opportunity to give back to the community in ways that clients appreciate most.

    Insuring Mt. Pleasant and Charleston Restaurants, Coastal Homes, and Families

    As one of the largest insurance agencies in the Charleston, SC, area we have the good fortune of aligning ourselves with the highest quality carriers, including Safeco, Frontline, and Universal.

    Our focus is on the types of products area residents use most: flood, condo and property association insurance, restaurant insurance . high value coastal homes, and more. We support all our clients needs, writing both commercial and personal lines insurance for business owners.

    Personalized Service from Well-Educated Insurance Agents

    The client book at Atlantic Shield is built almost entirely through referral business. Our clients stay with us and encourage their peers to do so as well, resulting in a retention rate of nearly 95%. We believe clients stay due to our constant goal of understanding how the industry can best serve their needs. Each staff member is required to participate in a form of professional development curriculum of their choice.

    If you re looking to begin a long-lasting relationship with an agency that continually tries to improve their knowledge, request a consultation or speak to an agent today.

    Additional Resources

    Our Location

    I am very happy to have such a reliable and customer oriented agency to which I can refer my clients!

    Len F. – Premier Southern Properties, LLC

    Not only am I happy with the insurance package I have on my home, but also have the added bonus of a dedicated, courteous, and extremely professional account manager looking out for my insurance interests. Situations like these place a company like Atlantic Shield far above many others, regardless of product offering or pricing. Thank you again and keep up the great service!

    Erik, I would like to express our appreciation for all of the assistance provided by Marianne during the last year or so. For us ‘non-insurance’ people, navigating through coverage is confusing, to say the least. We know that the coverage for Benchmark Installation, Inc. as well as Seashore Associates, Inc. (now closed) is and was a small portion of your business. However, Marianne has always provided service often above her job description. We appreciate all of her help.

    Copyright 2017 Atlantic Shield Insurance Group

    Proudly serving Mount Pleasant, SC, Charleston, SC, Summerville, SC, Goose Creek, SC, Daniel Island, SC, Isle of Palms, SC, and surrounding areas.

    Licensed in SC, GA and NC

    NOTICE: You cannot bind, alter or cancel coverage without speaking to an authorized representative of Atlantic Shield. Coverage cannot be bound without written confirmation from an authorized representative of Atlantic Shield. This email and any files transmitted with it are not encrypted and may contain privileged or other confidential information and is intended solely for the use of the individual or entity to whom they are addressed. If you are not the intended recipient or entity, or believe that you may have received this email in error, please reply to the sender indicating that fact and delete the copy you received. In addition, you should not print, copy, retransmit, disseminate, or otherwise use this information. Thank you.



    Bad Credit Commercial Mortgage #college #student #loans


    #loan bad credit
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    Bad Credit Commercial Mortgage

    By Jeff Rauth.  Email Here or 248 885-8797.  SBA Loan Officer at a Bank That Lends Nationally.  15 Years Commercial Real Estate Experience.  Past Commercial Mortgage Broker.

    There are commercial mortgage and SBA loan options for borrowers that have personal credit issues and even serious defaults.  Borrowers do not need to feel embarrassed or ashamed about their problems.  The recession humbled just about every small business owner in the country.  If you follow the basic points below, you will greatly increase your chances of closing your transaction with good terms and rates.

    Getting your loan closed, despite bad credit, depends on a couple of key points.   First, you need to find lenders that are willing to listen to your story.  Most lenders will not.  Do not worry about them.  Depending on how serous your past issues are, you may have to filter through 15 20 different banks until you find a few that are willing to look further into your past.  Don t let the rejections slow you down!  Remember, you only need one lender to say yes.

    Once you find a few lenders that will listen, you then need to be ready to present your explanation.  Having a concise two minute presentation is ideal.  Having a detailed letter of explanation drafted with supporting documentation to back your  claims is critical to send to the loan officer after your initial discussion.  Be honest and upfront.  Provide dates and details.  Demonstrate how you tried to work with your past lenders to make the situation right.  Try to avoid discussing the emotional side of the situation.

    Discuss how (if applicable) you have turned your situation around.  For example, if you had cash flow issues before that forced you to have lates, show how you have fixed that (ie spouse got a better job, gross sales and net income have pick up, etc).  If the situation was out of your control, such as medical issues, divorce or your bank called your loan, present that as well.  Again provide details on how that impacted your situation and how you have overcome it.

    If you are still working on solving your cash flow issues and have multiple debts and leases, see this article here on how restructuring your debt can have dramatic improvements to your cash flow .

    Next, present your strengths.  Do you have good equity in your building?  Is your cash flow now strong?  Do you have great experience in your industry?  Did you prove how good of an entrepreneur you are by being able to survive one of the worst recession in our nations history?

    Bottomline Lenders want to avoid borrowers that have had strategic defaults .  Meaning people that had the money to pay their debts but opted not to, for their financial gain.  Underwriters would consider a borrower like this to have character issues .  To get your loan closed, you need to convince the loan officer that you are not one of those borrowers.  You tried your hardest but were overcome by the situation.

    Commercial Loan Programs For Borrowers With Credit Issues

    There are a couple of loan programs to focus on.  If your business occupies at least 51% of the building you are trying to finance, then you should focus on the SBA 7a loan program.  The SBA guarantees 75% of the loan amount for the lender.  Because of this additional guarantee that the bank gets, many SBA lenders will work with borrowers that have had serious issues, like foreclosures, short sales, bankruptcies, etc.  Credit scores as low as 580 can be considered.  Keep in mind as you shop SBA lenders that some will be open minded while others will not, just like with regular bank loans.

    Private money loans and or Sub Prime type lenders might be another option for you.  If your building is an investment property this might be your only option.  Their terms range widely from one lender to the next and depend a lot on your loan to value.

    Conclusion

    Borrowers that suffered through tough economic times due to the recession, medical issues, rough divorces and the like can still get commercial loans.  Keep your chin up and remove the emotional side of the equation.  Present the details of the situation and shop multiple lenders until you get to yes.

    By Jeff Rauth. Email Here or 248 885-8797.  SBA Loan Officer at a Bank That Lends Nationally.  15 Years Commercial Real Estate Experience.  Past Commercial Mortgage Broker.



    Insight Law Firm #unfiled #tax #returns, #bainbridge #island #tax #lawyer, #port #orchard #tax #lawyer, #vashon #island #tax #lawyer, #bremerton #tax #lawyer, #whidbey #island #tax #lawyer, #port #angeles #tax #lawyer, #gig #harbor #tax #lawyer, #dept #of #revenue, #commercial #property #tax #assessments


    #

    Seattle Area Tax Lawyers Serving Vashon Island, Bainbridge Island, Whidbey Island, Port Orchard Port Angeles, and Bremerton

    Let Us Deal With Your Tax Matter

    At Insight Law, we are a dedicated Bainbridge Inland Tax Attorney firm that focuses only on tax legal issues between taxpayers and the IRS, or State of Washington. Have you been contacted by the IRS or the State of Washington? At Insight Law, headquartered in Seattle, Washington, we help our clients efficiently resolve tax disputes, and minimize their tax liability. We are a tax attorney firm that serve all of the Puget Sound Area. We can protect your rights, and help you explore every option for tax relief to obtain the most favorable outcome without having to deal directly with the IRS or the State of Washington.

    We apply a value added approach to minimize your tax liability for the lowest possible cost by eliminating any useless steps that only increase your cost, but do not decrease your overall tax liability. We handle only tax matters at Insight Law, and are dedicated local tax attorney firm that only focuses our attention on learning every aspect of the ever changing tax laws. We can serve you effectively no matter where you are located in the Puget Sound Area.

    If you are having a tax problem, you need an experienced local Tax Attorney in the Vashon Island, and not a national chain of enrolled agents and CPAs based in Florida that charge you a lot and provide little in return. At Insight Law, we believe in client-centric service and place a heavy premium on prompt client communication, while still providing top-notch representation from an experienced local tax attorney.

    Our tax attorneys are experienced in every facet of tax controversy. If you are facing an audit, Notice of Deficiency, litigation, lien, levy, or garnishment, and you need a tax attorney in to represent you before the IRS, or you need representation in a tax matter against the State of Washington, let Insight Law be your representative. Headquartered in Seattle next the US Tax Court, with offices in Burien, Everett, and Bellevue, you will find us to be conveniently located wherever you are in the Puget Sound Area. We handle all tax matters including Income, Employment, Property, B O, and Estate and Gift Taxes.

    Even if you already have an outstanding Washington State or IRS Tax Debt, and are already subject to a lien, levy, or wage garnishment, we can help provide a Bremerton tax attorney immediately. You need a motivated and thorough representative to help you explore all of your options to reduce your overall tax liability. We use a comprehensive, strategic approach to minimize your liability and achieve the best possible outcome against the IRS or State of Washington. Insight Law can help provide immediate relief by stopping liens, levies, and garnishments, while working with you to reach a more permanent solution. Contact Insight Law today for a free consultation with an experienced tax lawyer in the Whidbey Island Area, and if we don’t think we can provide a viable solution to your tax problem, you will owe us nothing.

    Insight Law also provides Estate Planning Attorney services for you and your family. Let us use our extensive knowledge of tax and Washington State property law to provide the perfect estate plan for your family. We also handle Washington State probate matters for individuals in the Puget Sound Area.



    Commercial Financing Options #home #loan #modification


    #commercial loan calculator
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    Commercial Financing Options

    Credit Lines

    Under a credit line agreement, the lender supplies a business with funds intended to fill temporary shortages in cash that are brought about by timing differences between outlays and collections. Typically used to finance inventories, receivables, project or contract related work.

    Short Term Loans

    Short term loans are used for seasonal build-ups of inventory and receivables. Generally they are repaid in a lump sum at maturity. made on a secured basis and are for a term of a year of less.

    Asset Based Loans

    A lender advances funds based on a percentage of your current assets. The loan is used as source of funds for working capital needs. A lender typically takes a security position in the assets owned by the business.

    Contract Financing

    Funds are advanced to you as work is performed. Payments by the contracting party are generally made directly to the lender.

    Factoring

    Factors actually buy your receivables and rely on their own credit and collection expertise. Essentially, your customers become their customers. Factoring is used by firms who are unable to obtain bank financing. The cost of financing is usually higher than other forms of S-T financing.

    Term Loans

    Term loans are used to finance your permanent working capital, new equipment, buildings, expansion, refinancing, and acquisitions. Commercial banks are the major source of funding. The term of the loan is based on the useful life of the assets being financed or collaterized. Your projected profit and cash flow are two key factors lenders consider when making term loans.

    Equipment and Real Estate Loans

    Loans are fully secured by the equipment being purchased. Typically banks loan 60-80% of the value of the equipment and is repaid over the life of the equipment. Lenders make long term loans secured by commercial and industrial real estate. The loan is usually made up to 75% of the value of the real estate to be financed. Repayment terms range from 10 to 20 years. Lenders also make second mortgages on real estate. The amount of the second mortgage is based on the appraised market value and the amount of the first mortgage.

    Leasing

    Leasing can be accomplished through a bank, leasing or finance company. Your business will be subject to the same type of review as when seeking a loan, specifically cash flow of company, value of lease object and useful life. Lease terms range from 3 to 5 years. At the end of the lease, there are generally 3 options: purchase, renew and return.

    3-15 YR Balloon Loans

    Balloon loans offer interest rates that are fixed for a period of years. Typically these loans are pegged to a treasury index. Terms are for 3, 5,7,10 or 15 years. The amortization schedules are generally for 20 or 25 years. When a balloon loan matures at the end of the agreed term, the remaining principle balance outstanding is due at that time. The borrower can pay off the loan by either selling the property or refinancing. Investment property is typically owned for a previously defined period of time. Analyze your investment strategy before securing a balloon. Having to redo a loan is expensive.

    Adjustable Rate Loans

    An adjustable rate loan will typically fully amortize with no balloon features. These loans may or may not have adjustment caps. The rate is determined by an index plus a margin. The indices used are generally U.S. Treasury bond rates. Rates are adjusted at a certain point in time using either the current rate of the index in question or the average of the index for the prior year. In either event, the index used will correspond to the adjustment term. If the loan is a three year adjustable, then the index used should be the three year treasury index. Some adjustable rate loans are fixed for an initial period of years and then will adjust after that period. For example a 5/1 adjustable is fixed for the first five years and there after will adjust each year. The index used will be the one year treasury rate.

    Please note that commercial lending is not standardized as it relates to programs and to guidelines. Banks must meet certain federal standards, but the index, margin, amortization, term and fees are components that are controlled by the investor based on their risk profit analysis. Remember that this mortgage will be the greatest expense your investment property will be responsible for. As such we recommend that you consult your real estate agent and your loan officer to assist in providing you with all the information needed to make a complete and accurate choice.



    Commercial Loan Calculator – Mortgage Repayment Calculator #unsecured #loans


    #commercial loan calculator
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    Commercial Loan Calculator

    Calculates commercial loan repayments, total cost, fees paid, exit costs with monthly, fortnightly, weekly and interest only mortgage repayments

  • If you need help with this calculator please do not hesitate to contact us .

  • Due to the complexity of commercial loans it is best if you contact a lender representative or one of our advisors to help you find the right commercial loan for your finance needs.

    1. Loan Amount – Estimate of how much you would like to borrow – not sure find out how much you can borrow

    2. Number of Years – Enter the number of years to pay the loan

    3. Fixed or Intro Term (optional): Insert the fixed rate term in years or the introductory rate or honeymoon period. Expressed in years

    4. Fixed or Intro Term Interest Rate (optional) – Insert the fixed interest rate term or the introductory rate or honeymoon period.

    5. Ongoing Interest Rate – Insert the interest rate. If there is a fixed or introductory period insert the interest rate after the period has ended.

    6. Repayment Frequency – Choose monthly, fortnightly, weekly or interest only and the repayments result will reflect your repayments for that period. Note that interest only payments are calculated per month. Click the following link if you would like to use a specific interest only mortgage calculator.

    7. Application Fee – Insert the total upfront fees for the loan

    8. Monthly Fees – Insert the ongoing monthly fee if applicable to the loan

    9. Yearly Fees – Some lenders charge an annual fee for loans

    10. Discharge Fees and or Early Exit Fees – Most lenders charge an discharge of mortgage fee between $150 and $900 when your mortgage has been discharged. Insert early exit fee penalties if you discharge your loan within the first 3 to 5 years.

    11.Total Fees – This includes all the upfront, ongoing and exit fees associated with your loan.

    12. Intro or Fixed Repayments- This is your monthly, fortnightly, weekly or interest only repayments for a fixed rate loan or introductory rate loan

    13. Ongoing Repayments – This is your monthly, fortnightly, weekly or interest only repayments for the loan. If there is a fixed or introductory period then these are the repayment after the period has expired.

    14. Interest Paid – This is the total interest paid over the term of the loan without making extra repayments, interest rate changes or using an offset facility.

    15. Total Cost of Loan – This is the total cost of the loan and it includes all the upfront, ongoing and exit fees for that loan.

    This is an estimate only. It is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. Results are based on amortised scheduled repayments and, once any discount or fixed rate period expires, applies the current variable rate for the remainder of the loan term. All applications for credit are subject to lenders normal credit approval criteria.

    Compare Mortgages

    Compare hundreds of loans from more than 30 lenders including the major Australian banks. Compare home loans, investment loans, self managed super fund and commercial loans side by side with calculated repayments, fees and total costs of the loan.



    Commercial Construction Loans #unsecured #personal #loans


    #construction loans
    #

    Commercial Construction Loans

    Apply to 500 Construction Lenders in Four Minutes

    Developers and Mortgage Brokers – Learn How Apartment Construction Lenders and

    Commercial Construction Lenders Underwrite

    Need an apartment construction loan or a commercial construction loan? Are you building an office building, retail center, industrial building, or any other type of income-producing property? Want to apply in just four minutes to our 500 commercial construction lenders right now? If so, please click here.

    Here is how your apartment construction loan or your commercial construction loan will be underwritten. The first test is the Profit Test. Will your finished project be worth more than it will cost to construct?

    A related test is the Loan-to-Value Ratio. After the project is completed and, say, your strip center is occupied, will the construction loan be less than, say, 75% loan-to-value.

    Some of our construction lenders are so hungry for deals that they might even allow 80% loan-to-value. But if you still need more equity, it may be possible for you to obtain a mezzanine loan.

    Apartment construction lenders and commercial construction lenders often will not trust the appraisal. Instead, they will look to the Loan-to-Cost Ratio. What percentage of the total cost is the construction lender being asked to cover?

    Historically developers were asked to cover at least 20% of the total cost of the project, usually in the form of free and clear land. After all, the coonstruction lender wants the developer to have some skin in the game.

    Modernly, however, apartment construction loans or commercial construction loans up to 90% of cost, or more, are possible. And if the developer needs even more leverage, a mezzanine loan is sometimes possible.

    Will the apartment construction lender or commercial construction lender be able to get out of the deal? If you build your strip center, will the center make enough money to qualify for a takeout loan large enough to pay off the construction loan?

    To determine if the takeout loan is large enough to pay off the apartment construction loan or the commercial construction loan, the construction lender will compute the Debt Service Coverage Ratio. The ratio must usually be larger than 1.25. In other words, the net income from the project must be 25% larger than the proposed payments.

    Finally the apartment construction lender or commercial construction lender will look to the developer’s Net-Worth-to-Loan-Size Ratio. Generally the developer’s net worth should be at least as large the loan amount.

    On C-Loans you will find at least 50 apartment construction lenders or commercial construction lenders for any size of apartment project or commercial project that you are ready to build.

    To apply now, please click here.

    Other informational articles about commercial construction loans:



    Commercial mortgages #payday #loans #lenders


    #commercial loan calculator
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    Commercial mortgages

    Flexible mortgages for business

    Whether you need to buy a new building or release equity from your existing one, a commercial mortgage 3 could be the answer.

    Looking to move your business banking to Barclays?

    Important information

    1. Lines open Monday to Friday, 8am-7pm. To maintain a quality service, we may monitor and record phone calls. Call charges

    2. Lines are open Monday to Friday 8am-8pm and Saturday 9am-1pm. To maintain a quality service, we may monitor and record phone calls. Call charges

    3. The Lending Code. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards. Further details can be found at Lending Standards Board

    4. Winner Moneyfacts Best Commercial Mortgage Provider 2007, 2008, 2009, 2010, 2011.

    5. Subject to status and application.



    Database of Hard Money, Commercial Lenders & Private Money Sources #study #loan


    #money lenders
    #

    Mortgage Brokers: Welcome to the online resource for all of your sub-prime, private money, hard money and commercial loans. Lenderlab.com databases loan programs for wholesale lenders covering every part of the non-conforming spectrum. With hundreds of lenders and over 12,000 loan programs, Lenderlab.com is the mortgage broker s key resource for closing all of your toughest loan scenarios. In addition to our vast source of sub-prime lenders, Lenderlab.com offers a variety of hard money lenders. private money lenders, and the Internet s largest library of commercial lenders. Got an impossible file? Lenderlab.com has the solution. Click here to join

    Wholesale Lenders: We want your all of your alt-A, sub-prime, non-conforming, niche, and commercial loan programs. Our database enables mortgage brokers nationwide to access your best loan programs. With thousands of subscribing mortgage brokers, Lenderlab.com is the essential method for promoting your innovative loan programs FREE of cost. So, whether you re a subprime lender. or you just have one or two niches, contact us today. Placing your products on LenderLab is fast, easy, and free! Click here to join .

    Borrowers: Need to know if there s a Super-Jumbo lender for the luxury home want to buy? Or maybe you need to find a hard money lender willing to do a foreclosure bail-out? You ve come to the right place. LenderLab has more of everything: – more lenders, programs, and mortgage brokers to help tailor a financing package that fits your particular needs. So whether it s hard money commercial lenders you re after, or you just need a loan to build a swimming pool, we can help. Click here to find a mortgage broker in your local area.

    You can also search through our loan glossary of mortgage terms for more information. Click here for a list of our participating Wholesale Lenders or here to find hard money lenders. private money lenders, sub prime lenders. wholesale lenders. commercial lenders, mortgage lenders or mortgage brokers by state or city. Click Here for Data Services. Also offering White Label SEO Services that will improve your rankings on the search engines. Need to incorporate your business? Not a problem. Incorporate in your state today! We provide quality printing services in your area.