How to Get Capital for Real Estate and Business
Are you an investor, entrepreneur or a business owner who is seeking to attain commercial lending over $1 million+? Have you been turned down by your local bank? Are you frustrated and overwhelmed? Do you want a methodical, step-by-step, pragmatic approach in finding a commercial loan for your project?
If you do, I invite you to book a confidential 15-minute call with our Commercial Mortgage Concierge. I specialize in guiding entrepreneurs through the complexities of commercial financing. My goal is to transform their uncertainty into confidence, equipping them with the knowledge and tools necessary to secure funding for their ventures. By bridging this gap in understanding, I help aspiring business owners take a significant step towards realizing the American Dream of entrepreneurship
Eduardo and his partners owned a mattress company . They wanted to purchase two non occupied buildings for their company to occupy and rent out the remaining building to tenants in Austin, Texas. The purchase price of the two buildings was $3,300,000.dollars. The buyers were going from bank to bank and were being turned down. The buyers had extended the contract for an additional $100,000.00 dollars and needed to close by the contract date. The problem was the owners owned twenty three other companies.
The loan file would not only require three years of the owners personal tax returns but also twenty three business tax returns, twenty three profit and loss statements and balance sheets for three years plus the year to date. The local banks did not want to spread the loan file on all twenty three businesses.
We ran their loan through our Loan Matching Methodology™️. We were able to offer them two loan options in a week. One solution was an SBA loan and the other was an alternative loan. The clients opted for the alternative loan since the loan needed to close by the contract date. We were able to get them commercial lending. We held the client’s hands through every step of the way to close. The clients were able to rent space to renters under the alternative program to help them with the mortgage payment and they were able to close by the contract date. It was a win win for the client.
Do any of these describe the reason your Commercial Loan was turned down?
- You do not have commercial real estate experience.
- Your business has not been in business for two years.
- You live out of state or a foreign national.
- The property occupancy rate is low.
- Your tax returns has too many expenses (write offs) affecting ability to debt service a loan
- One year of your tax returns show your gross receipts dipped down significantly.
- Your business falls into High Risk Category like a start up business, retail, hotel, restaurant, automotive etc.
- Your property is deemed special purpose like automotive shop, funeral home etc.
- Want Cash Out but the bank does not allow a large amount cash out from the equity of your commercial real estate.
What borrowers do not understand about commercial lending
Banks do not lend to all business or commercial property types. Banks have a particular wheelhouse of what they will lend. You can spend time going from bank to bank applying for a commercial loan and not knowing that the bank does not lend on that type of property/business/etc. In the meantime, you are lowering your credit scores and wasting time which ends up lowering your chance of getting a loan.
Big banks finance the cream of the crop, but what if your business or your commercial real estate is not?
Our passion is helping business owners and investors attain the American Dream of owning their business or investment in commercial real estate. As a Commercial Loan Solution Specialist, we BRING COMMERCIAL MONEY FROM AROUND THE COUNTRY TO LOCAL MARKETPLACES ENSURING THE MOST LIKELIHOOD OF CLOSING. The key is getting your commercial loan closed by placing your loan with the lender that most suits your strengths. We do it better than anyone with our Loan Matching Methodology™️!
Frustrated and overwhelmed borrower’s didn’t know they could have received the financing they needed. We prefer to work in the best interest of our clients instead of the best interest of the bank. Unlike the bank paying their Loan Officers a salary, we do not get paid unless your loan closes. We have skin in the game making sure your loan closes. Our proprietary Loan Matching Methodology™️ allows us to assist our clients in finding lending solutions for their project.
It’s time to end the frustration of going from bank to bank.
Our Commercial Loan Solution Specialist Brings Commercial Money From Around The Country with our proprietary Loan Matching Methodology™️. (like online dating but for loans)
Loan Matching Methodology™️ is comprised of THREE STEPS:
⮚ STEP 1- Loan Success Scoring Your Loan
⮚ STEP 2- Loan Success Matching
⮚ STEP 3- Loan Success Application/Acceptance
With our Loan Matching Methodology™️, provides the best commercial lending solution for your situation.
80% of people seeking capital for real estate were previously denied have received funding that they had no idea they could get.
Book an initial, free, no-obligation 15-minute phone call.
Loan Matching Methodology ™️ Step One – Loan Success Scoring your Loan
Laurie is a serial business owner out of Seminole, Florida. She owned an automotive shop, laundry matt, a portion of a flower shop and a restaurant. She wanted to buy another automotive shop eight miles from her current automotive location for $1.9ML. $1 million was for the real estate and the other $900K was for the business. She had two large judgements on her credit. Laurie recently paid off the large judgements in full but they were still affecting her ability to get approved. She was being turned down because she had credit issues and the business purchase was large. We ran Laurie’s loan through our Loan Matching Methodology ™️ step one to analyze her information below.
Step One – Loan Success Scoring is an analysis of your loan package:
● Credit score and credit history
● Liquidity/cash funds for the down payment, closing cost and reserves.
● Net worth
● Do you own other real estate and what type of real estate?
● Industry Experience
● Live in the same state as the property
● Population
● Quality of the building
● Business Competition in the area
● The Property Location Crime rate
● The occupancy rate
● History of the Profits and Losses via Taxes and Profit and Losses
● Lease length
● Appraised value of the property
● Loan to value of the property
● The Business Debt Service Ratios
● The Global Debt Service Ratios
Once the Loan Matching Methodology ™️ identified the loan mitigating factors, the system identified a lender in step 2 of the system. We were able provide commercial lending to Laurie to purchase her automotive shop.
Loan Matching Methodology ™️ Step 2 – Loan Success Matching with the lenders that will fund and close your loan.
Chris wanted to purchase a large counselling business out of Reno, Nevada but the seller did not want to sell the real estate. In the lending world, the purchase of a business without the real estate is an intangible (non-physical) asset which is known as goodwill. Most lender’s do not want to go above $500,000.00 dollars in good will. With our proprietary Loan Matching Methodology™️, we were able commercial lending that would finance his goodwill business purchase up to $5,000,000.00 dollars.
Loan Matching Methodology ™️ Step 2 – Loan Success Matching with lenders:
● Match your Loan to 100’s of my Lender’s.
● Match business or property types to the lender’s wheelhouse.
● Find solutions with a broad selection of loan types.
● Determine which issues might create difficulties with one lender versus another.
Loan Matching Methodology ™️Step 3 – Loan Success Application/Acceptance
Brendon was an out of state borrower purchasing an apartment building in Houston. He was trying to find a commercial loan that would lend to an out state borrower and provide a thirty year amortization. He wanted to make his payment as low as possible. Because he had gone from bank to bank with no luck, his contract date to close was going to expire. The Loan Matching Methodology ™️ not only identified a lender but with Step 3 – Loan Success Application/Acceptance system ensured we stayed on track via our three touch communication. We closed his loan.
Loan Matching Methodology ™️Step 3 – Loan Success Application/Acceptance:
● Ensuring the transaction stays on track with the three touch communication to the lender.
● Ensuring the transaction stays on track with the three touch communication with third party vendors.
● Ensuring the transaction stays on track with the three touch communication to the clients.
● Close your loan and get your loan funded
Results Per Clients:
Steven Vocci – Non Cash Flowing Business Per Tax Returns
A big thanks for all your work in securing the financing for our warehouse. You were right, commercial is a whole different beast. Through it all, you kept our eyes forward and then all of the sudden we closed. With the way the economy is trending, we’re appreciative we got this done timely. Our very best and we’ll reach back out for future needs.
Daniel Berger – Investor
Karen is the best kept secret in this industry. I was turned down by several banks and was about to give up on getting a loan. It felt futile and frustrating. Karen helped me understand that their are so many financing options that I had no idea about. Going Through her Loan Matching Methodology really opened my eyes. When we went through the scoring process, shortly after that I received the letter saying I was approved at terms that excited me. I’m so grateful I found Karen. You should call her!
Deepak Patel – Start Up Restaurant Owner
Karen was instrumental in helping me achieve a loan for my restaurant. She was very helpful with every single step in the process, and could not have made it easier. I highly encourage anyone to work with Karen, as I know I will go to her on all future loans. I cannot thank her enough, as I look forward to working with her again!
Michael Howard – Investor
Karen was able to help guide us through a tough refinance. After a death in the family, it looked like we were going to have to sell two cash flowing apartments. With Karen’s help we were able to identify the best lender and was very diligent in seeing the process to the end.
Shane Mitchell – Business Owner
Karen helped us get a large bank loan with SBA backing when no one else could or would help us. I have a lot of faith in her locating options for business loans, and in a difficult credit situation.
Our promise to you…utilizing the Loan Matching Methodology will get your loan closed with the lender that most suits your strengths. Stop being frustrated and overwhelmed with finding a solution to finance your commercial project.
Imagine 12 months from now and you’re reflecting on your progress…
- It’s Friday lunchtime as you close the lid of your laptop, look at the window and feel a sense of elation as you reflect on what you have achieved.
- You’re smiling because you doing what you love .
- You are feeling pride.
- You feel relaxed because you are in control of your wealth.
- You are making the day-to-day decisions because you are the boss.
- You are more energized and confident that you’re on track to building that business you always dreamed of.
Imagine that could happen, would you be in a stronger position?
That is what we want to help you with.
Commercial Loan Products:
SBA Loan
Hard Money Lenders
Close Commercial Loan in less than 45 days
30 year Commercial Loan
Apartment Loan
Equity Loan
Foreign National Loans
Construction Loans
Stated Income
Working Capital Loans