A CLE CLO stands for a commercial real estate Collateralized Loan Obligation, and it is a security that is backed by a pool of commercial loans. The individual borrowers make their payments to the issuer – the company that made and pooled the loans – and then the issuer makes payments to the investors who invested […]
Every year hundreds of commercial property owners get conned out of millions of dollars by advance fee scammers. An advance fee scammer is a criminal pretending to be a commercial mortgage lender. He will issue a very fancy-looking conditional commitment letter, which will call for some huge “good faith deposit” or “third-party report fee”. Once […]
In negotiating an income property loan, the size of loan the borrower can obtain is usually more of a sticking point than the rate or the loan fee. Since income property loan sizes are generally limited by the debt service coverage ratio (i.e., cash flow), rather than the loan-to-value ratio, the operating expense figure that […]
Large scale businesses may be better of working with a private equity firm. Debt capital has principal payments that are required on a monthly basis, whereas equity financing does not have these strings attached. In some instances, you may be able to sell preferred shares of your company is going to give up a controlling […]
One of the most important concerns of people who are planning to start a business is to how are they going to fund their business. Of course, a great business plan would not work without the funds to run the idea. Some people borrow money from rich friends, some use crowd-funding technique while other loan […]
The line in the sand has been drawn. You’ve vowed to never step foot back into that office alive again after working the same dead end job for ten years. It’s time to start that business you know for sure will succeed. All you need is to dedicate those sixty hours a week to your […]
Venture Capitalists are often called Vulture Capitalists and until you read the book: Confessions of a Venture Capitalist, Inside the high-stakes world of start-up financing by Ruthann Quindlen; well you probably will never understand how they got that slanderous title. In the book Ruthann explains what it was like working in Silicon Valley in a […]
So often we find that entrepreneurs are looking for venture capitalists to fund their next adventure. Unfortunately many entrepreneurs do not understand that venture capitalists are pretty industry-specific at least the very good ones are. Why is this you ask? Well, because even venture capitalists have limited amounts of resources and hundreds and hundreds of […]
Quick funny: Tomorrow is the National Home-School Tornado Drill. Lock your kids in the basement until you give the all clear. You’re welcome. Haha! For the past two weeks, we have been discussing the fact that just about every commercial bank in the country is out of the commercial mortgage market. The CMBS market remains […]
A great many residential lenders make revolving lines of credit (home equity loans) on owner-occupied homes; so it it natural for lots of commercial loan brokers to ask if their investor clients can get a a line of credit, secured by an apartment building or an office building. As a general rule, the answer is, […]
An interesting thing happened this week. Warren Buffet got his butt handed to him. Let me set the scene. Berkshire Hathaway is sitting on $128 billion in cash; but in comparison to the $2 trillion in cash that private equity firms are siting on, Warren Buffet’s massive cash hoard is chump change. Haha! Private equity […]
The past year has brought a flurry of changes for many people. Maybe you’ve embraced online shopping and want to start to incorporate meal planning into that experience. Perhaps you’ve gotten into selling things from the comfort of your home or you’re now working remotely with people around the world. Digital solutions meet modern needs […]
If you’ve launched a small business or dream of becoming a business owner, the task may seem daunting. The good news is, helpful resources — and funding sources — are available to support you as you plan, start and grow your business. Here are tips specifically for women and women of color business owners, that […]
This commercial financing article will describe the importance of avoiding “problem commercial lenders”. The article will NOT name specific lenders to avoid, but key examples will be provided to illustrate why prudent commercial borrowers should be prepared to avoid a wide variety of existing commercial lenders in their search for viable commercial financing. I have […]
A direct lender is an independent financial institution that makes loans to individuals and small businesses, rather than banks or credit unions. They offer low interest rates and flexible terms, which means you can get the loan you need without paying any fees. There are more than 3 million direct lenders in America alone, and […]
Banks prefer to lend to individuals that have formed LLC’s or Corporations. Forming a business entity shows the banks that you are serious about your new venture and that you are willing to take the correct steps to legally protect it. Don’t have an entity yet? That’s no problem, we can help get your business […]
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 […]
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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 […]
