WHEN CLIENTS CALL US

When Financing Becomes Time-Sensitive or Complex

Most clients contact us when something has changed:

• A commercial loan or balloon payment is approaching maturity
• A bank will not renew or reduces loan proceeds
• Interest rates or terms no longer work
• A bridge loan needs a permanent take-out
• A refinance or restructuring is needed to stabilize cash flow
• An SBA loan is possible, but structure and eligibility are unclear

At this stage, speed alone does not solve the problem — strategy does.

Our role is to help you understand what lenders — including SBA lenders — will require before time becomes the problem.

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WHAT WE DO DIFFERENTLY

Strategic Commercial Loan Advisory — Not Guesswork

ApplyCommercialLoans.com provides advisory-driven commercial loan consulting.
We focus on structure, timing, and lender alignment — before an application is submitted.

Our role is to help you:

• Understand what lenders are underwriting today
• Evaluate refinance vs. restructure vs. bridge vs. SBA options
• Position your deal to match real credit appetite
• Avoid wasted time, false starts, and unnecessary declines

This approach reduces friction and increases closing probability.

📞 Call Karen at (512) 358-1511 for a short conversation about your project.

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HOW WE GUIDE YOU

How Our Process Works

1. Situation Review
We assess loan terms, maturity dates, DSCR, leverage, liquidity, and timing.

2. Strategy & Structure
We determine whether the best path is:

• Refinance
• Loan maturity extension
• Bridge take-out
• Debt restructuring
• SBA 7(a) or 504 financing
  

3. Lender Alignment
Using our Loan Matching Methodology™, we align your request with lenders whose credit box fits your situation — bank, non-bank, or SBA.

4. Execution Support
We assist through underwriting, lender questions, and closing coordination so expectations stay aligned.

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CORE FINANCING SOLUTIONS

Our Primary Financing Focus

Loan Maturities & Refinancing

• Balloon payments and upcoming maturities
• Rate and term refinances
• Cash-out refinances
• Non-renewals and policy-driven exits

Bridge Financing & Take-Outs

• Bridge loans requiring permanent financing
• Transitional assets
• Bank to non-bank or non-bank to bank transitions

Debt Restructuring

• Cash-flow driven restructures
• Reduced proceeds or tighter underwriting scenarios
• Stabilization strategies prior to permanent financing

SBA Financing (7(a) & 504)

• Business acquisitions
• Owner-occupied real estate
• Expansion and working capital
• Refinance of eligible existing debt

Not every borrower qualifies for SBA — structure and documentation matter.

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PROPERTY & BUSINESS TYPES

Property & Business Types We Finance

We work with a wide range of commercial and business assets, including:

• Multifamily & Apartments
• Self-Storage Facilities
• Hotels & Hospitality
• Assisted Living & Senior Housing
• Industrial & Warehouse Properties
• Office Buildings & Office Condos
• Owner-Occupied Commercial Real Estate
• Business Acquisitions & Partner Buyouts
• Working Capital for Established Businesses

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WHO WE WORK BEST WITH

Our Best-Fit Clients

We work best with:

• Established business owners
• Commercial real estate investors
• Operators with maturing debt
• Borrowers seeking refinancing or restructuring
• Buyers pursuing acquisitions with a clear plan

If your deal requires clarity, structure, and lender alignment, we can help.

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WHAT TO EXPECT

What You Can Expect

• Clear guidance on realistic loan options
• Honest assessment of feasibility
• Strategic lender matching
• Fewer surprises during underwriting
• Support through closing

Our goal is not volume — it is successful execution.

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About Karen Schimpf

Commercial financing decisions have long-term consequences. Experience and judgment matter.

Karen Schimpf brings over 20 years of commercial lending experience, including senior roles with Chase, Wells Fargo, and Texas-based banks. She understands how lenders and SBA underwriters evaluate risk, structure deals, and make approval decisions.

Clients work with Karen because she:

Brings clarity to situations where timing matters most

Focuses on loan maturities, refinancing, SBA, and complex acquisitions

Explains what lenders will require before issues arise

Structures deals for approval, not guesswork

Works directly with clients

Her Personalized Loan Matching Methodology™ combines experience, lender relationships, and practical guidance to secure the best outcomes for each client.

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Client Success

🗣 John C., Hotel Owner – Colorado

“After being turned down by banks, we secured $6,003,000 in hotel construction financing with Karen’s help. Her understanding of complex hospitality projects made all the difference.”

🗣 John D., Restaurant Owner

“Three banks rejected us. Karen secured our SBA loan and guided us every step of the way. We’ve since expanded and grown revenues by 70%.”

🗣 Michael H., Apartment Investor

“Karen helped us refinance $6 million in apartment properties after a difficult transition. Her diligence and expertise were unmatched.”

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As Your Strategic Advisor in a Complex, Evolving Credit Landscape

We go beyond securing financing — we help you build long-term financial momentum. At Commercial Capital Ltd., our mission is to connect you with funding that supports growth, stability, and opportunity.

Ready to Review Your Financing Options?

If you are facing a loan maturity, refinance decision, restructuring need, or SBA opportunity, the first step is clarity.

📞 Call 512-358-1511
👉 Schedule a Strategy Call
🌐 ApplyCommercialLoans.com

Financing is subject to lender approval. Programs, terms, and availability vary by borrower and property. We work best with established business owners and investors seeking structured commercial or SBA financing.