Tag Archives: SBA loan

Be Interested in the Interest Cost

Businesses seeking debt financing need to be cognizant of the cost of leveraging money. Understanding how lenders determine and assess borrowing costs, or interest, gives the owner a tool with which to further evaluate the feasibility of borrowing money.  

Knowing how interest rates are determined is also useful for developing strategies to lower interest costs where possible and for knowing when the best rate has been negotiated for your situation. Read More More

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Commercial Property Loan – Is This a Good Time to Purchase Your Office Building?

Yes! Not only is a great time to purchase your commercial real estate building due to the low values but SBA has extended waiving the SBA 3% fee until March 4th (or until funds run out). Your loan does not have to close in the next couple of months… it just has to have been approved by the bank and SBA for funding without fees. What this means is you will have more purchasing power so ACT FAST by give us a call today at 512-650-8630!

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This entry was posted
on Wednesday, January 5th, 2011 at 5:25 pm and is filed under Uncategorized.
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Commercial Business Loan – 25 year fixed rates

Commercial Building by LHOON, on Flickr
Creative Commons Attribution-Share Alike 2.0 Generic License    by    LHOON  

Our in-house  Commercial Business Loan  now has 25 year FIXED rate.   Owner occuppied properties are going as high as 90%  loan to value. The 90% loan to value will allow many to refinance your commercial mortgage.    We can also consider Non-Recourse on sba business loan owner occupied deals that are very strong on cash flow and, at a low LTV(50%). We don’t source, season funds and, most importantly – we CLOSE in 45 days or less!

Give us a call today to get you either into your property or to refinance your property at 512-650-8630.

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This entry was posted
on Monday, May 23rd, 2011 at 10:22 am and is filed under Uncategorized.
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Let’s Face It, It’s A Different World

In the today’s globalized world, ease of movement has never been greater, and it is sometimes difficult for persons of different origins to communicate effectively. America has always had a multicultural social fabric, with the historic swelling ranks of immigrants growing our population since the very founding of the 13 colonies.  

Today our cultural mix continues to be a blur of a faces with many different features. Distinguishing Burmese from Vietnamese, Austrian from German, or Nigerian from Ghanaian can be challenging for the average American without practiced interaction. Read More More

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Stated Income Commercial Loans are HERE!

Stated Income Commercial Loans are HERE!

Lite-Doc  $250,000 -$3,000,000

Middle Score 650

Owner Occupied and Investor

3,5 10 year options with a 30 Year Amortization!

Apartments, Rue La Fontaine by stevecadman, on Flickr
Creative Commons Attribution-Share Alike 2.0 Generic License    by    stevecadmannbsp

Multifamily and Mixed Use up to 75% ltv  

 

Give me a call today to go over your deal at 512-650-8630.

Storage Units by karmadude, on Flickr
Creative Commons Attribution-Share Alike 2.0 Generic License    by    karmadude  

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It Comes Down To Your Character

Lenders have many criteria to consider when deciding whether to provide financing for your business operations, and all start with the traditional examination of capacity, capital, credit, collateral, and character. But, make no mistake. Regardless of the other relative strengths you may possess, it all comes down to character.

Lenders have to be assured that prospective borrowers have the ability to perform well enough to generate profits to repay their financing. They will ensure that the borrower has a vested interest in the operation with their own money, and that there is always a secondary source of repayment from which they can ultimately get out of a deal. Read More More

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$1,200,000 Refinance Investment Property

$1,200,000 Refinance Investment Property

COMERCIAL BUILDING by chego101, on Flickr
Creative Commons Attribution 2.0 Generic License    by    chego101  

Location: Dallas, TX

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Make Good Decisions For Yourself

 

Judgment day may be anti-climactic, since a large number of decisions are going to be made in the process; many by the business, many by the lender, and many through compromise. Diligence and purpose must be the focus of your efforts for every decision leading ultimately for the money to run your business.

An important attribute to hold onto through these processes is the perspective of your purpose, and the limitations of your business. It is all about money, but money is still only money.

The process of finding business capital is a sales challenge. You establish needs, find prospects, qualify, and try to close. It is one of dozens of challenges any small business faces every day, but it is not the only one. And solving the money problem does not solely insure success.

Money is the currency in which you operate, but there is a greater challenge in establishing a way to making it flow regularly through your business. Money doesn’t end the list of challenges.

You need to establish some limits as to what your business agree to do, agree not to do, and what it will pay for the financing it is seeking. If your lender asks too much, more than your self-established limit, walk away from the deal.

Remind yourself why you established that limit, and keep looking.

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Don’t Be Stupid

Many lenders have had the unfortunate experience of negotiating loans with a borrower who was using false, exaggerated, or misleading information to obtain credit. Whether or not the ploy succeeded, the effects are often felt by legitimate borrowers, whose applications are scrutinized with even more suspicion due to the experience. While under normal circumstances there is a natural inclination toward trusting people, be prepared to confirm everything.

Unless actual loan losses have been incurred, many lenders may be hesitant to prosecute loan applicants found to have used false information to obtain their loan. But when they do, they may get assistance from the federal government, who insures depositors and regulates banks. Read More More

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Set Your Sights on Reality

Starting a new business is one of the riskiest, yet exciting decisions you will make in your life. While over sixty percent of the new jobs in the United States are created by small businesses annually, a significant number of them are not sustained due to failure.

There are relatively low barriers to entry for starting up many businesses: adopt a name, maybe incorporate, get a business license and away you go. Dreams and schemes are cheap, but before you get too far down the road, you need to set your sights on reality. Read More More

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