By George Blackburne A borrower can expect to pay between $2,000 and $4,500 for an appraisal, if he needs a commercial loan. Multifamily appraisals are slightly less. The reason why commercial real estate appraisals are so expensive is because each commercial property is unique. In addition, the appraiser has to perform an extensive rental comparable’s […]
Being in a business means that you have to keep generating the money all time to manage finances and to operate the business smoothly. However, one thing that needs to be mentioned is that every business owner wants to expand his/her business for which a partner may be needed – be it for capital infusion […]
I see it happen a lot lately in Jakarta. Startups with 4-5 founders who are pretty much equal shareholders will look for very early Angel funding, which (if they get it) brings another shareholder on board. Now you’ve got a situation with 5-6 shareholders in a company that still has to land its first serious […]
Business pitches to investors are essential to the success of any business idea and its transition from concept to reality. Pitching to investors is often the inevitable first step to gathering support and funding for any business idea. Even the most original and innovative business idea and opportunity can be missed if potential investors are […]
Venture capital firms are different from private investors in that they have raised capital from a number of high net worth individuals with the intent to make investments on their behalf into promising start up companies and expanding businesses so that they can ultimately take the business public via an IPO or sell the business […]
Angel investors do not usually provide loans unless there is a substantial interest rate associated with this type of financing. There are many industries that are less risky and therefore more attractive to angel investors that allow them to provide equity capital to promising ventures. There are a number of strings attached to working with […]
There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option. In today’s uncertain business, economic and regulatory environment, qualifying […]
Getting your startup funded is not a small challenge. It’s even harder when your startup is at an early stage when there is no “field” proof that could indicate the chances of its success, like a working product, happy customers, steady income etc. in the early stage of a startup, founders need to prove investors […]
WHAT IS REVENUE-BASED FINANCING? Revenue-based financing (RBF), also known as royalty-based financing, is a unique form of financing provided by RBF investors to small- to mid-sized businesses in exchange for an agreed-upon percentage of a business’ gross revenues. The capital provider receives monthly payments until his invested capital is repaid, along with a multiple of […]
After the past year, many companies are reflecting on their values and how they can make a positive impact in their communities. Finding better ways to interact with the world is not just good business sense, but helps a company become a positive force, leading to a more sustainable, thriving community for everyone. Collaborating with […]
CRYPTOCURRENCY NEWS Jay L. Zagorsky, Boston University On Sept. 7, 2021, El Salvador will become the first country to make bitcoin legal tender. The government even went a step further in promoting the cryptocurrency’s use by giving US$30 in free bitcoins to citizens who sign up for its national digital wallet, known as “Chivo,” or […]
A company named JCR Capital sent me an email flyer several months ago advertising their equity capital for value-add real estate investments. Value-add commercial real estate investments typically target properties that have in-place cash flow, but they seek to increase that cash flow over time by making improvements to, or repositioning, the property. In other […]
Last week I wrote a blog about how historically aggressive private money commercial bridge lenders are getting. This month George Smith Partners, the big commercial mortgage banking company (the original founder started George Smith & Company decades before I founded Blackburne & Sons forty years ago) released a newsletter, FinFacts, containing the following tombstone: “George […]
Nearly a decade ago, there was a foreclosure crisis. Realtors were buying old houses and flipping them. Now, the strategy is to buy new and rent out. This new asset class that is taking the private equity market by storm. It started in Arizona, spread to the Sunbelt, and is now spreading across the country. […]
No matter your situation, we have the perfect loan to meet your needs. Complete our online application to see how much you qualify for and your local loan consultant will reach out to you to discuss your options.
This may be the most instructive training article that I have written in several years, so I strongly encourage you to study it. (Note: This is NOT the subject vet clinic.) Sometimes in the commercial loan business, you have to value a property based strictly on a capitalization rate (“cap rate”). Several years ago, I […]
This is the perfect time to talk about the “quality” of income. Real estate crashes seem to strike about every ten to fourteen years, and it has been thirteen years since the Great Recession. If we were to have another commercial real estate crash, would you rather own a building leased to Betty’s Gift Shop […]
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Wow. If you walked into the executive offices of some savings and loan associations in the early 1980’s, the wealth and opulence would have amazed you – walls paneled with expensive oak, glistening marble floors imported from Italy, and genuine crystal chandeliers hanging from the ceiling. On the walls you would often find wildly-expensive oil […]
For Your Real Estate Investment Needs: A Soft Money Loan is the perfect solution for long term real estate investor, first time investors to seasoned real estate entrepreneurs. Long-Term Financing : This type of loan has long-term financing (5/1 ARM, 7/1 ARM – 30 Year Fixed) for real estate investors, who prefer to finance the purchase and/or […]
Are you ready to make your business the talk of the town? From renovations and expansions to new marketing promotions and restaffing, we have the perfect financing available to fit your needs. Let’s jazz up your business and make it the hottest one on the block. Check The Loan Menu Secure a Line of Credit […]
Reach out today to work with the AnalytIQ Group team as an approved broker and get access to a full range of nationwide Mortgage Programs & Products. When you submit an application with your loan scenario, a AnalytIQ Group’ loan officer will get back to you within 24 hours. Our team of knowledgeable, professional, and experienced loan […]
NATIONWIDE – FICO SCORES FROM 650 NO UPFRONT FEES! NO JUNK FEES! NO TAX RETURNS! Same Day Pre-Approvals Loan Approvals within 48 Hours Widest Range of Loan Programs HARD MONEY: FICO Scores from 500+ Loan Amounts from $I00K-$5M Rates from 7.25%+ Loan Program 9-24 Months I/O Bridge PROPERTY TYPES: 1-100 Units, Mixed Use, Multi-Family, Commercial […]
It has taken a lot of strength and determination to be able to hold onto your business through these tough times. So this month, we’re celebrating the business owners that persevered and found a way to keep going. Borrow $100,000 or more during July* and you’ll receive a $2,000 Amex Gift Card as our way of […]
(BPT) – Do you have a side hustle you’re looking to grow? Are you a small-business owner wondering if you should use your personal credit for your business? Before you do, consider your business credit score. Whether it’s a modest side gig or you’re looking to expand your small business into a full-time, multi-person venture, […]
(BPT) – Three Asian-American entrepreneurs who have channeled their rich heritage and unique experiences into success are now using their voices, creativity and care to give back to their communities in inspiring ways. In celebration of Asian American and Pacific Islander Heritage Month, Target is lifting up the voices of the Asian community by spotlighting […]
Like, nearly, everything else, in life, purchasing, and owning, investment real estate, should be considered, on a risk/ reward basis/ scale! While, many have earned their fortunes, or supplemented their incomes, buying these types of properties, doing so, is not true, for all! There are many possibilities, both, positive, and negative, and a wise buyer/ […]
Smaller, investment properties, often, offer, significant financial/ economic benefits, in terms of creating a combination of asset growth, return – on – investment, and some degree of safety! However, this is true, only, if, the purchaser, first, thoroughly, understands, what to seek, and why! Different potential properties, have, varying, potential, for optimal performance, etc! While, […]
All too often I see small business owners missing the mark with their marketing. Sure, it’s easy to do when you specialize in a specific industry niche and you spend your time engulfed in industry sector jargon. However, it’s best to put yourself in your potential customer’s shoes and think your marketing through from their […]
Joint venture businesses are composed of two or more companies, groups or individual businessmen or businesses. The join each other to create a much better or a new business line, hence the name joint. Today, a lot of businesses have been joint venturing with other businesses and companies for numerous benefits. Although the benefits are […]
The idea of joint venturing is now attracting lots of business out there, and it does not matter whether they are big or small. This is because of the benefits that small businesses and even successful and big businesses. But before a big business will consider to joint venture with a smaller business, they inspect […]
Today’s article contains great news for investors and brokers alike. According to an important Bloomberg article published this week, the economic boom currently being enjoyed in America will probably not result in an extra big bust, according to the work done by the Nobel-prize-winning economist, Milton Friedman. You may recall that Milton Friedman was a famous […]
When underwriting commercial loans, commercial lenders need to be very careful about properties that are leased out for far more than their fair market value. A story will make this clear. GrandpaJack was a brilliant man. He was also a darned fool. Forty-five years ago, he spotted the fact that Silicon Valley on the San […]
First a correction. A few days ago, I wrote a blog article about how deflation is sweeping the world. In that article, I mentioned that deposit rates in Germany are slightly positive. I am pretty sure that this statement was wrong. Listening to Bloomberg today, I just discovered that the yield on ten-yield German bunds […]
Venture capital firms are different from private investors in that they have raised capital from a number of high net worth individuals with the intent to make investments on their behalf into promising start up companies and expanding businesses so that they can ultimately take the business public via an IPO or sell the business […]
Getting into a business partnership has its benefits. It allows all contributors to share the stakes in the business. Depending on the risk appetites of partners, a business can have a general or limited liability partnership. Limited partners are only there to provide funding to the business. They have no say in business operations, neither […]
The other day, I was talking with an individual, a seasoned entrepreneur looking to raise a little capital for his next business, and he noted that he only needed a little bit of startup money to get the prototypes going, to prove concept, and to start making money. Yes, perhaps so, and perhaps not, but […]
Purchasing an established business can be a daunting and complicated process for many individuals. Understanding the steps involved in the acquisition and doing the necessary planning and preparation will enable the buyer to increase their chances for a successful transaction. Following an established and proven process will not only reduce the stress that often comes […]
Do you actually consider that a company with no real asset can value so much as $40 billion? Well, you are going to find out in this short article today. Today, I believe you will benefit from some of the simplest elements in valuing a company. So let’s begin, the 7 essential elements most companies […]
1. During the past decade, the size of seed rounds has remained stagnant and number of deals have decreased. To the untrained eye, it seems that there is more competition for seed dollars. Below the surface, however, startups are recycling founders experience. The reason why the number of deals has decreased is that teams are […]
In order to get your business off the ground, or to continue operating, you must be able to obtain the financing you need. It’s not easy to get that money – especially if you lack business experience and don’t have a very good credit score. There are things you can do to increase your chances […]
(BPT) – Minority-owned businesses are the cornerstone of their communities, and over one-third of Black-owned businesses in the U.S. are headed by women — the highest share of any ethnic group. Yet according to Visa’s new Black Women-Owned Business Report 2021, nearly three quarters (71%) of Black women-owned businesses estimate they can’t survive another year […]
(BPT) – COVID-19 has sparked unprecedented impact across industries and has changed the way almost every business operates. And while many of these businesses have probably sought funding in the past — whether business loans for expansion, venture capital to launch or otherwise — the concept of a Paycheck Protection Program (PPP) that so many […]
Sometimes the unexpected happens and you need funds available to recover quickly. Securing a Line of Credit for your business will allow you to have immediate access to working capital so don’t have to worry about falling behind when disaster strikes. Line of Credit Advantages A Flexible Solution Get approved for up to $450,000 with […]
Commercial loan demand in late March and April is typically very, very weak. Commercial real estate investors don’t want to mess around with paperwork, especially when they have just finished the painstaking task of preparing their tax returns. In most cases, their complicated tax returns are not even done yet for 2020, so they have […]
Another Great Recession might be on point. The mainstream business media picked up the same theme on Thursday and Friday, as the Dow lost ground. There will be some severe economic consequences from the coronavirus. Even if COVID-19 never gets out of control in the U.S., hundreds of thousands of small businesses in China are […]
Now that I have mentioned it, you will start to hear the term, Modern Monetary Theory, all of time. The commentators use it a lot on Bloomberg, CNBC, and Fox Business. The financial commentators will often just use the acronym, “MMT”. According to Wikipedia, Modern Monetary Theory (MMT) is a macroeconomic framework that says monetarily […]
Why do almost all gas stations now have convenience stores? Answer: A convenience store is an extra profit center. The gas pumps pull in the customers, and while they are waiting for their tanks to fill, the convenience store sell them sodas, snacks, lotto tickets, and hot dogs. Right now your real estate web site […]
“Hey, George, recently I have heard commercial real estate loan officers talking about some new ratio called the Debt Yield Ratio. Is this just a shortened version of the Debt Service Coverage Ratio?” Answer: No. The two ratios are totally different. The Debt Yield Ratio is defined as the Net Operating Income (NOI) divided by […]
This is going to surprise you, but commercial banks, credit unions, and federal savings banks (the old S&L’s with a Federal charter) all quote pretty much the exact same interest rates and terms on commercial real estate loans. This is true for huge commercial banks in Los Angeles and for little credit unions in Maine. […]
