We are Commercial Loan Experts:  100% Financing Experts

CommercialLendingPros.com specializes in assisting businesses in acquiring SBA loans, lines of credit, credit cards and equipment leases.

The keys to our 100% commercial financing programs are the following:

 1)       You must be able to prove you’ve been in the business at least 2 years

2)       You must have solid credit (mid 600’s or higher credit scores)

3)       The property you are purchasing must be for at least 51%+ owner occupancy

4)       You must be able to document adequate cash reserves

5)       Your current business income and any income produced from the property in the 49% or less space not occupied by you (if applicable) must be able to support the projected debt service of the proposed financing with a least a 1.25 debt service coverage ratio (you need to show a 25% cushion over “break even”)

6)       Maximum loan amount is $2 million
 
These are not the only requirements, but they are the most significant. Even if you can’t meet these guidelines, we probably still offer the best available financing on the market. It just may not be as high as 100%.

We will send you our Executive Summary template. If you’d like us to take a closer look for you, you just have to complete that form and return it to us with any requested info on the borrowers/guarantors and the property that you can provide. We will quickly respond with details of all possible financing options for you.

Befrore you sign a contract give us a call and we can help you structure the deal to maximize the financing availability.

863-298-8900 or 813-833-3132

To fill-out a quick loan scenario Pre-Qualification form visit http://www.business-loan-pro.com/irw/article.php?cid=33361&ctry=US&arid=554&auto=lender@business-loan-pro.com

Click Below. for a Discount on your myFICO® Credit Complete, which includes all three credit reports and scores. If you pull your own scores, you will not incur any inquiries and it will NOT harm your scores.

THIS IS A BREAKING FINANCIAL NEWS ALERT FROM http://commerciallendingpros.com/

Your #1 Source for Commercial Loans, Business Financing and Merchant Cash Advance Services!

Don’t depend on the government bailout!

Call today for information on this financing program:

863-298-8900 or 813-833-3132

or visit: http://commerciallendingpros.com/

The ideal financing for restaurants, hotels, retailers, or any business that accepts credit cards.  No Doc - Retail Financing - for any business that accepts credit cards. Fast Cash Without The Hassle!  It is a QUICK and EASY alternative to tough SBA lending or bank loans!

• No Income or Asset Documentation or Qualification
• No Credit Score Requirements
• No application or appraisal fees
• No Personal Guarantees
• Approval and Funding Within 7-10 Days – Or Less! 

Grow Your Business With Additional Working Capital for:

• “Fast Cash” for inventory, advertising, expansion, remodeling, equipment purchases, payroll, emergencies, etc, etc, etc
• Down Payment funds to purchase an existing business, commercial property, or franchise (with no new loan payment to disclose)
• Additional needed assets to be combined with another business or commercial loan transaction that may be “cash-short”

This is it! NO Doc - Retail Cash Advances- for any business that accepts credit cards!

Click here for more information or  call 863-298-8900 or 813-833-3132.

The process is simple. Just click here to fill-out a Quick Commercial Loan Pre-Qual form. That would get the process started to determine what financing program would work for your loan scenario.

After initial review of the loan scenario submitted we will send you the parameters of best available financing program. Provide any of the following information you may have so that we can crunch the numbers more accurately to determine if we can provide the financing you need…

1. Last 3 years of business tax returns on the subject business / property
2. Year to Date financials / P&L’s (as recent as possible)
3. A personal financial statement on yourself (and any potential partners)
4. Your resume / summary of qualifications (and anyone else who may help you manage the business)
5. Your business plan
6. Digital photos of the property (inside and out)
7. Sales Contract
8. Copy of your recent credit report (if you have one) (Click on link at the bottom of the page to order your Fico Scores and credit report)
9. Schedule of Rents / Rent RollIf there’s something you don’t have now (like YTD financials) - send me what you have. We’ll do our best to get back to you within 3 business days of receiving your initial submission of information.

Regards,

Tony DeCresie Your #1 Source for Commercial & Business Financing

Office: 863-298-8900 eFax: 863-877-4456 Cell: 813-833-3132

http://www.commerciallendingpros.com/

Get All 3 FICO Scores and Credit Reports

QUICK CLOSE COMMERCIAL LOANS

WE CAN GET YOU FINANCING QUICKLY! IN 10 BUSINESS DAYS OR LESS!

Deal Fell Through? We can get you money fast!

If your Loan has recently been turned down and have a full loan package:

• Business plan / Executive Summary
• Financials (Tax returns and/or P&L’so Surveys / Title
• Appraisals and Environmental Reports
• Fully Executed Sales contract (if purchase)
• And other pertinent data included in your loan submission documents

WE CAN GET YOU FINANCING QUICKLY! IN 10 BUSINESS DAYS OR LESS!
Call 863-298-8900 or 813-833-3132

Or email your scenario to: Loans@CommercialLendingPros.com

www.CommercialLendingPros.com

If you have any loan scenarios that you would like us to look at or if you have any questions or want more information, please give us a call at:

863-298-8900 or 813-833-3132

Click Here for a PDF flier of this program

Click Here to get a Quick response to your Commercial Loan Scenario. Simply provide us with
some VERY BASIC information and we’ll email you a pre-approval.


Get All 3 FICO Scores and Credit Reports

Financing Tips from the Experts: 

Here is a typical loan scenario:

Sorry to say but there are no 100% financing programs avaialble for this loan scenario. I just don’t think we’ll be able to help you make a deal that large ($3,876,000) work with just $2,000 in liquid assets. The appraisal alone on a property that size will probably run $3,500 - $5,000 and appraisal fees are always paid “up-front” at the time they are ordered.

Plus, I’d think it highly unlikely that anyone would allow you to tie up a $4 million property for any length of time without a significant earnest money deposit being placed into escrow. Even with the most creative financing and negotiating possible, you’d need $50,000 - $100,000 in liquid assets before you should even consider looking at a property that size.

Also, once you go larger than $1 million in financing, most programs require full verification of income and assets for the borrower which doesn’t allow for some of the creative options you are looking for.

If you can find a property for UNDER $1 million and you can secure $5,000 - $10,000 in liquid assets (or cash and credit card availability) that you can work with, we might be able to help you make a deal like that work.

Let me know if you can find something attractive in the lower price range that I mentioned and we’ll be more than happy to take a closer look.

Don’t hesitate to call or email if you have any other questions.

Tony DeCresie

Your #1 Source for Commercial & Business Financing

Office: 863-298-8900 eFax: 863-877-4456 Cell: 813-833-3132

 www.CommercialLendingPros.com
Click Below to fill-out a quick loan scenario Pre-Qualification form

1. Understanding Unsecured Business Lines of Credit

Here is response to an inquiry about Unsecured Business Lines of Credit:

1. You are looking to for a $300,000 line of credit. For unsecured lines of credit with no income or asset verification required - the maximum line size is $50,000. To achieve the amount you desire we would have to string together lines of credit from several different banks and credit companies. The EXACT amount is yet to be determined. It could fall short of the $300,000 maximum depending on what each bank approves and whether you accept all lines offered or you decline some.
2. The agreement you sign is a standard document that we use for ALL of our commercial and business financing clients. The 90 days time frame is also standard for our agreement as most commercial financing averages 60+ days to close and fund. Approvals for the individual lines of credit are much quicker and can start coming in as quickly as 10-14 days from submission.
   Most are set up within 30 days. In this instance, we’d be happy to adjust the time frame to match more closely with the program you are applying for.
3. Lines of credit usually are open for up to 20 years. Usually a maximum of 10 years as a revolving line of credit. Then, at the end of the first 10 year term, the balance (if any) is converted to a 10 year amortized loan. With multiple lines of credit, terms may vary, but this is the most typical set up.
4. The set up fee is a one time fee when the lines of credit are activated and made available to you. No other fees apply other than the agreed upon interest and any late payment fees, when applicable.
5. An initial $500-$600 is the only thing you pay now. The set up fees for each line of credit are paid at the time the lines of credit are activated and can be paid through the line of credit (so you actually start out with a small balance) or can be paid separately by check or credit card. 
6. The origination fee IS included in the bank fees of 7% - 10% on page 1 of the agreement you sign.
   that is NOT an additional amount.
7. WE do not issue you the lines of credit. We have over 130 commercial banks and credit card companies we work with. We know the guidelines for the ones that issue unsecured business lines of credit. We know you meet the basic guidelines for most of them however we do not know the exact amounts you will be approved for from each one at this time. Some actually require application fees be submitted with their applications so as a matter of protocol, we do not formally submit applications until a financing agreement has been signed and a deposit collected from a client. We do not collect deposits from clients that do not meet basic approval guidelines.
8. As mentioned earlier, the agreement you sign is a standard document that we use for ALL of our commercial and business financing clients. And there ARE documents required for all our financing programs, including this one. For unsecured business lines of credit, the documentation is very limited.Usually proof of identity (copy of drivers license), Proof of business ownership and status of business (articles of incorporation and confirmation your corp. / LLC is in good standing within the state it is registered), proof of business checking account (voided business check) and in some cases a few other items.
9. Lines of credit are revolving like a credit card. Interest only payments or 1% of balance monthly is how most work. No fixed amortization until after the initial 10 year period ends for most of them.

I hope this answers most of your questions but don’t hesitate to call or email us directly if you are still unclear on any of these points or anything else that wasn’t addressed in this article.

CommercialLendingPros.com
Your #1 Source for Commercial & Business Financing
loans@CommercialLendingPros.com
Office: 863-298-8900 eFax: 863-877-4456 Cell: 813-833-3132 http://CommercialLendingPros.com

Do you want a Cash Line of Credit of Up To $300,000* or more WITHOUT risking your personal assets, lowering your personal credit score or damaging your personal credit history?  Commercial Capital Ltd. has a proven system so you can get the cash lines of credit you need now to financing the launch, operation and growth of your business!

Are you looking for a way to finance the launch, operation or expansion of your business…and would like the Corporation to get to the point of doing it without you personally guaranteeing the loan and putting your family’s financial security at stake?

Then you’ve come to the right place!!!  Commercial Capital Ltd. helps entrepreneurs, real estate investors and small business owners secure the cash they need to finance their business dreams.

We’ll obtain cash lines of credit for your business – not just lines of credit with specific stores or vendors; real money you can spend the way you feel is best.  This will allow you to shield yourself from liability and reduce your tax burden.  Using our proven system, we will obtain the corporate credit you need now without a personal guarantee.  So your company is 100% responsible for its own debts…and you and your family aren’t left holding the bag.  Having the proper amount of corporate credit will position you and your business to take advantage of EVERY worthwhile opportunity that comes your way.  You’ll never have to hesitate on a great investment or business opportunity just because you can’t find the necessary cash.

To learn more about Commercial Capital Ltd. and full details about how we can help you obtain the lines of credit you need to adequately fund the launch, operation and/or growth of your business, without any of your personal credit involved; please call: 863-298-8900 or 813-833-3132…and one of our Account Executives will be happy to assist you.

 *Requirements: You must have been in business two years; provide two years worth of tax returns and have a 680 mid-range credit score.

Whenever you have a product that no one else has, it really gives you an edge in the marketplace.  Well, we are rolling out another one that is going to be a boon to your marketing to business owners.  It is an 85% consolidation loan!  85%!

This loan can be used to refinance out of an SBA loan – it is NOT an SBA product.  It can be used to pay off business debts.  IT CAN BE USED TO BUY OUT A PARTNER!  The only stipulation on the money is that it MUST be allocated somewhere; you just can’t pull out cash.  The rates on this loan will compete straight up with SBA; right now this deal is in the low 6’s!  And for purchases, we can take this NON-SBA Loan up to 90%.  90% LTV, rates in the low 6’s on a 25-year amortization and NO SBA hassles.  Sweet!

The deal is a full doc deal; the business must occupy 25% of the building – much better than SBA’s 51%.  This is another HOT niche about this product.  With this product, you can go owner occupied when a business is occupying say 30% of it.  Anywhere else that becomes an investor loan.  Another SWEET caveat in this loan.  Lehman Brothers used to do that, but of course, not anymore.  And possibly the best part, Debt Service Coverage can go as low as 1:1 and we will base that off of 2007 and FY 2008.  WOW!  This will help you close more commercial.  This can be the deal that rallies your commercial volume.  This deal is HOT!

Tony DeCresie

Your #1 Source for Commercial & Business Financing

Office: 863-298-8900 or 813-833-3132

www.CommercialLendingPros.com

Click Below to fill-out a quick loan scenario Pre-Qualification form