Tag Archives: commercial lenders

The ABCs of Working with a Commercial Lender

October 16, 2017Uncategorizedcommercial lender, commercial lenders, commercial lendingbigdaddydennis

As you navigate the budget and necessary finances for keeping up with your business expenses, you may decide you need a loan. Working with a commercial lender can help ensure you get the best loan, and terms, for your business.

There is no reason to be hesitant to work with a commercial lender because there are many reasons they can benefit your loan process, versus hinder it. Quite frankly, they can save you time and money. While yes, you do have to pay a fee to a broker for their professional services, there expertise is well worth the minor expense, and using a lender will save you the hassle and frustration of trying to obtain a loan on your own if you are not familiar with the process.

Working with a lender has many benefits. Using a commercial lender allows you to refocus your time, energy and efforts back where they belong — on your business. If you are too busy trying to figure out how to get a commercial business loan on your own, you may be distracted from the important tasks of managing your business, getting out and meeting new clients, and branching out into new markets. Using a lender allows you to be where you are supposed to be – building your business.

Along with saving you time and hassle working with a lender can save you money – most small business owners would agree that money is something they have little of to waste, so why would you want to waste money trying to obtain a loan on your own, when it’s a lender’s area of expertise to find you the lowest interest rates, fees and other costs that are associated with a loan. They can also serve as a trusted advisor if you have questions about finding an appraiser, a lawyer to look over your loan documents and the like. Having a lender you trust is an invaluable asset to getting the best loan for your business.

Finding the right commercial lender is easier than you think.

Asking other business owners, doing some research online and actually meeting with lenders to see if you get a good feeling about their services are all good ways to find the right lender for you and your business needs. Don’t sell yourself short when meeting with lenders. Ultimately, this is your choice and you will be working on a complex transaction with this lender so you should form a good working relationship.

Don’t waste time with a lender who is not willing to work in your best interest.

Working with a lender should result in a win-win situation. You should feel confident that the lender you are working with is going to get you the best loan. They should have expertise in your specific loan type, as well as your business’s industry. They should also be able to give you references if you request them. Customer service is another indicator if you’ve found the right lender – answering your calls and emails, in a timely, professional and courteous manner is important too.

About the Author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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Tips to Create an Awesome Loan Submission Summary for Commercial Lenders

October 11, 2017Uncategorizedcommercial lender, commercial lendersbigdaddydennis

The application packet that you submit to commercial lenders is often a huge compilation of documents. Providing a succinct loan submission summary can be critical to getting your loan approved.

Commercial lenders all have staff members who do nothing but sort through the loan application submissions to ensure that they have the correct information and documentation included. Not only can this be a tedious process but it can also be difficult when the packet is not presented in a professional manner. Providing a submission summary is the perfect way to make a great first impression on the people who will help to determine if you get a loan or not. Providing some important and helpful information in an easy to understand format will help to get your loan application processed quickly and efficiently.

Commercial lenders want to be able to quickly learn about who is requesting a loan. This means that you will want to provide not only the name of the company but also who the owners of the company are and how to contact them if there are any questions. Included in this brief introduction to the owners should be their credit scores, personal contact information and any credit issues that they might have experienced in the past. This is just a quick information transfer for the lenders.

Provide A Brief Overview of the Property

Once the commercial lenders know who they are dealing with, their next question is about the purpose for the commercial loan is. Provide a clear description of the property that you are interested in purchasing. This should include the address, the type of property such as an office building, warehouse or other structure, and the size of the property. In addition, you should include what you believe to be the estimated value of the property. Having this information can be a great time saver for the person processing your request. Some quick research will let the lender determine if the property holds enough value to be used as the collateral for the loan amount that you have requested. This is a key piece of information and one that you want to know very quickly in the application process. If there are issues with the property value then the lender can contact you quickly to resolve them. Finally, include how you plan to use the property. In some cases your business could be the only tenant in the property but in other cases you might plan on leasing out the remaining space.

Make your Introduction Professional

Remember that your loan submission summary will be your first opportunity to explain your desires, goals and plan for accomplishing your goals to a potential lender. Be certain that you have a professional presentation that is easy to understand. Providing this summary can save the lender a great deal of time on processing your loan and it can also quickly alert them to any issues that might need attention. It is far better to have the lender contact you a day or two after the submission instead of a month after. That wasted time could cost you the property that you are planning to purchase.

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Preparing Loan Documents for Commercial Lenders as a Startup

October 11, 2017Uncategorizedcommercial lenders, commercial lending in texasbigdaddydennis

There are many documents and financial statements that commercial lenders will require from a business when applying for a loan. And that information can be even more critical when your business is a new startup.

When you are submitting loan applications to commercial lenders it is critical that you provide as much information as possible and that you understand the purpose of each document. The packet that you are compiling is very much a letter of introduction to you and your business and it provides the information that commercial lenders will use to form an opinion about your creditworthiness. The challenge begins when you try to give an accurate image of your new business. Without years of documented credit history and industry or trade credit it is difficult to demonstrate how responsible you will be when it comes time to repay the loan.

One major document that commercial lenders will examine for a startup company is the business plan. This is a detailed document that describes the company, the goals and the plan of attack for attaining the goals. It is in essence a road map that you plan to follow to grow the company. This will also explain to the lender your experience in the industry, your history of success in the industry and your management abilities. All of these are critical factors in the success of your new business. In addition to your business plan you will need to prepare detailed projections for the company. These should include your projected income for the next two or more years, projected operating costs and projected cash flow statements.

Because your business is an unknown entity due to its age, your personal financial and business history are going to have to provide the information and reputation to prove your worthiness as a business owner and as a business person. Financial documents including tax returns and net worth for the past 3 to 5 years will be needed as well as any documents displaying your ownership in other assets which might be used as collateral on the loan. You should also expect that the lender is going to require you to personally guarantee the loan in the event that your business fail. This is the reason that your personal finances are important.

Tell Your Story

Because the business is new, you are actually the narrative that the lender will be interested in. Your past business experience and accomplishments are what is important. Your resume and work history will be the beginning of the story of how you decided to launch your own business. In addition, letters of reference from other business professionals can be a great tool for you. Having respected members of your industry and the business world express their confidence in your abilities will provide a great insight to the lenders who are evaluating you and your business.

Understand the Qualifications for the Loan

As a startup business owner, it is imperative that you understand what lenders are looking for to approve a loan application. Once you have that information, then you can determine how you can best meet those needs and requests. In some cases you will not have the established credit or business history to qualify. But you might be able to apply to a less conventional lender to get that first commercial loan.

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Cash Flow is Critical to Commercial Lenders When Evaluating Loan Applications

October 11, 2017Uncategorizedcommercial lender, commercial lendersbigdaddydennis

A commercial lenders biggest concern is that your business generates enough money to repay the loan that you are requesting. Your cash flow will tell a lender a lot about your business.

Reviewing your cash flow will tell commercial lenders how you manage your cash expenditures as they relate to your income stream. It also provides a glimpse into your market share, how well you manage the income that you have and how your business has grown in the past. All of this is critical information for which commercial lenders need to determine how well you will be able to repay the loan that you are requesting. Because cash flow if such a critical component, you might want to consider focusing on improving your cash flow prior to applying for a commercial loan. This can greatly improve your chances for getting approved for the loan.

It only makes sense to pay off any debt that you can before applying for a loan. But if you are unable to pay off a large debt then you have another option. Refinancing a large debt for a longer term will drop the monthly payments and will free up more cash each month. This increase in cash flow can help you to be able to afford a higher payment on the commercial loan that you are requesting. Another way to bolster your incoming cash is to aggressively pursue any past due receivables. Not only will this help your cash flow numbers but it will also improve your chances of getting the full payment from your customer.

If you are noticing that many of your clients are waiting to the full term of your credit allowance to pay their bills, then you might want to consider restructuring your policy. This policy change might take some time to institute, but preplanning for a commercial loan is important and this can be undertaken as you begin to explore your options for commercial lenders. With the new policy enacted, you will begin to see your cash flow increase prior to submitting your loan application.

Make Good Business Decisions

Another proactive step is to decrease your inventory prior to applying for a loan. This will reduce your expenditures and increase the cash that you have on hand each month. Along those same lines, look for ways to increase your revenue to bolster your cash flow numbers. Every company is in business to generate revenue but it can be even more important when you are getting ready to apply for a commercial loan. Additional marketing or finding a new market can greatly increase the money that you have coming in each month.

Focus On Cash

One important fact to remember is that increasing sales does not always increase the cash that you have coming in each month. You need to focus on generating business that will pay in cash or pay very quickly. Extending additional credit will not help you to improve your cash flow numbers. You need to find ways to build cash by increasing sales and operating within a new lean business model.

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What a Commercial Lender Is Looking for in Your Credit History

October 11, 2017Uncategorizedcommercial lender, commercial lendersbigdaddydennis

A commercial lender will want to review both personal and business credit when evaluating a loan application. This is because in many cases, the owner of the business will need to personally guarantee the loan.

Before you begin the process of applying for a commercial loan, you need to review both your personal credit history and that of your business to be certain that all of the information is correct. You can obtain a personal credit report via many banks and credit card companies that you might have a relationship with. They will provide you with your scores from TransUnion, Experian and Equifax which are the three major consumer credit reporting companies. Your business credit report can be acquired from Dun & Bradstreet. You will want to carefully review the information on each report and check it for accuracy. If you discover any errors then you should contact the agency to correct the matter prior to submitting your application to a commercial lender.

If you are disputing any information on your credit report, it is wise to contact the creditor to attempt to correct the issue. That can be much faster than having the credit bureau try to sort out an error. Once the issue is resolved, the credit agency is required to remove any information that has been found to be inaccurate. This is a much better plan than explaining to a commercial lender that the information is incorrect and that you are working with the credit bureau to have the error removed.

Establishing Business Credit

A commercial lender is going to expect to see at least four or five trade credit purchases to consider your business as having a credit history. To establish this creditworthiness you should set up a few accounts and use them prior to applying for a commercial loan. This will provide the lender will enough reference information to determine that your business is reliable and has been granted credit in the past and maintained it successfully. You can obtain a free copy of your business credit report by visiting www.dnb.com. You will also want to verify any information on that report just as you did for your personal credit report.

Good Credit Is Critical

As you might imagine, a lender will only know a limited amount about you and your business. Much of the information that they used to judge your creditworthiness comes from your credit reports. Having a strong history of borrowing and repaying loans is a good way to demonstrate responsibility and dedication to repaying your debt. Having a few slow pay items on your report can be an indication of issues. In most cases you will not be able to offer explanations that will remove the doubt created by these poor reports. Understand that your credit report will weigh more than anything that you can say to the lender to change their mind if you are determined to be a poor risk for a loan. If you have poor or questionable credit then you will want to focus your time on less conventional lenders to borrow for a commercial real estate purchase.

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Learn to Think Like Commercial Lenders

October 11, 2017Uncategorizedcommercial lenders, commercial mortgagebigdaddydennis

Securing a commercial mortgage is never an easy process. But you can greatly increase your odds of an approval by learning what commercial lenders are looking for on loan applications.

The more you investigate the process of securing a commercial mortgage the more that you will learn that each lender has a few unique items that they are looking for on a loan application. But you will also find that there are some important pieces of information that all commercial lenders will be interested in. Learning what these key qualification criteria are and how to best present them can have a huge impact on how successful you are when seeking a loan.

Commercial lenders need to make a decision about you and your business without really having any personal experience working with you. So they are going to rely heavily on your credit history to determine how seriously you focus on repaying your debt. This resource lets them used the experiences of those who have worked with you in the past and learn from them. All lenders are going to take a hard look at your credit history and place a great deal of importance on it. So be sure that your credit history tells a story of strong payment history and diligent work to remain current on your debt.

Your ability to repay the loan that you are requesting is also paramount to commercial lenders. They want to know that you have the cash flow to make the payments now and that your business will remain strong and continue to have the ability to make payments. To demonstrate that you meet this criteria, you need to show that you have good cash flow currently and also that your projections show continued or even increased cash flow for the future.

Another factor that is important when requesting a loan is the value of the collateral that you are offering. In most cases the collateral will be the property that you are purchasing but in other cases it could be your inventory, equipment or another property that you own. Be sure that the current market value of your collateral, whatever it may be, has a value in excess of the loan that you are requesting. In most cases you would need the collateral to hold about 120% of the value of the loan that you are requesting.

Numbers Are Not Everything

All lenders are also going to want to know more about the person whom they are potentially going to be doing business with. They want to know that you have a strong sense of responsibility and that your character is impeccable. They need to know more than just your net worth and who you have borrowed from in the past. Take the time to tell your story, how you decided to start a business and how you have managed to grow it to the point where you are currently. Also explain your vision for the future and how you plan to reach your goals.

Demonstrate Your Professionalism

You know that along with the loan application, you will need to submit a small mountain of documentation. Having that packet prepared and in a professional format shows potential lenders your level of professionalism, how well prepared you are and that you invested the time to learn about the process and the required documentation. Understanding what a lender is looking for and why will help you to be more prepared and more successful when applying for a loan.

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The 5 C’s Every Commercial Lender Looks At

October 11, 2017Uncategorizedcommercial lender, commercial lenders, texas commercial lendingbigdaddydennis

A commercial lender must decide which applications to approve and which to decline without personally getting to know the borrower. To make smart choices the lender will look at the 5 C’s to make their decision.

There are five basic lending criteria that every commercial lender will evaluate when reviewing a commercial loan application. Having a good understanding of the criteria and knowing how to best present your information can be a huge help in getting approved for a commercial loan. The first and maybe most critical is your capacity to repay the loan. The lender needs to be sure that you have a strong plan in place to repay the money you are borrowing. Your business plan is a good tool to demonstrate how you have that plan in place. In the end, if you can’t afford to repay the loan then even meeting all of the other requirements won’t get you a loan.

Capital is also important to your commercial lender. This is the value of the net worth of your company and also of you, the owner. In many cases the decision is based on the personal financial history of the owner as the business does not have enough credit history established. This leads to the third c, collateral. The commercial lender needs to know that you have the ability to guarantee repayment of the loan. The collateral might be the property that you are purchasing, the value of your inventory or of your equipment. But whatever you are offering as collateral, it needs to have a value in excess of the amount of the loan that you are requesting. This assures the lender that they can recover their investment even if you default on your loan.

Credit history is also an important factor. It gives the lender insight into how you have managed your finances and debt in the past. This document saves the lender the time of contacting all of the previous lenders that you have worked with or all of the vendors who have extended credit to your company. It is an efficient way for lenders to see your track record where finances are considered.

Character Always Matters

Character is a quality that is important for several reasons. First, it is an indication of how you will react in a difficult situation such as if you are having financial issues. A person of character will still find a way to pay their bills. It also speaks to the way that you do business and how successful you could be in the business world. A person with poor character will not last in the business world. Customers will not work with an unethical business.

Understand The Impact of the Five C’s

When you are preparing your loan application packet be sure to address all of the 5 C’s. This will provide the lender with all of the information that they need to know that you are a trustworthy person and that your business can afford the loan that you are requesting.

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Is Commercial Lender Deutsche Bank in danger of failure?

October 10, 2017Uncategorizedcommercial lender, commercial lendersbigdaddydennis

Commercial lender Deutsche Bank struggles this year have not gone unnoticed by investors. The bank is struggling to maintain in the face of immediate and long term challenges and some are calling for the resignation of the groups CEO John Cryan.

The banks stock has been selling at record lows this year. Its share price has declined by 45 percent since new CEO John Cryan took over in 2015. Fitch recently cut Deutsche Banks credit rating from A- to BBB+.

Fitch cites it is unlikely that there will be considerable improvement in the banks performance any time this year. Fitch claims that restructuring costs will continue to eat away at the banks profits. Deutsche’s revenue from sales and trading has fallen by 18 percent so far this year. Among the banks 13 main competitors only Barclays has fared worse. However there is no one single reason for the banks poor performance.

A primary problem for Deutsche Bank is that it still relies heavily on investment banking. Deutsche’s Investment banking profits have only grown by a tepid 2 percentage points. Deutsche formerly relied on cheap loans with minimal equity to prop up its balance sheets. The Great Recession has made that practice far more difficult. In 2007 70 percent of the banks profits were related to investment banking. Higher capital requirements and other regulations have made this sector far less profitable. Deutsche has also retreated from lending in emerging markets, such as Russia. This retreat has hampered the groups ability to increase revenues from its currency exchange, a significant profit center for the bank. Legal issues have also not only eroded the groups profits but they have also damaged the banks image.

People are increasingly questioning Cryans ability to lead the commercial lender

Cryan has made a slew of notable missteps during his tenure. Some shareholders now, such as Union Investment Group, demand his resignation. His open discussion of inevitable job losses no doubt had a negative impact on employee morale. Many also cite Cryans inability to articulate a clear vision for the banks future. Cryan appears indecisive as he recently wavered from his restructuring plans less than a year after they went into effect. Research group Autonomus LLC, recently proclaimed Deutsche’s impending demise. The group cited the banks lack of technology investment in particular as a primary reason for its down fall. Deutsche has increased its technology spending to 4.1 billion dollars; however this is still far below JP Morgans 7.4 billion dollar investment in technology. Stuart Graham co-founder of Autonomous summed up the perception of many investors, saying, “When we consider the basics of what makes a bank a winner — trust (or brand), balance-sheet muscle, technology and its people — Deutsche looks to be in very bad shape, in such situations it is inevitable that some investors start to question whether the bank has the right leadership.”

In spite of all these fears some major shareholders have continued to express faith in Cryans ability to lead the commercial lender into the future.

Commentary by the Financial Times lauded Cryan for his ability to resolve the immediate issues that were plaguing the bank, notably the banks legal woes and its lack of equity. HNA Group of China owner 10 percent of Deutsche stock recently expressed in Cryans abilities. Another major shareholder, the Qatari Royal Family echoed HNA’s sentiments.

Calls for Cryans resignation will likely go unheeded. Spokesman, Paul Achleitner, says Cryan will continue running the bank until his contract expires in 2020. Predictions are that by then the bank should look far healthier in consideration of higher interest rates and the cost cutting measures the bank has already embarked on. Still considering Deutsche’s lack of technological innovation it remains to be seen whether the bank will be able to keep pace with its competitors.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC Private Hard Money Lender
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

About the Author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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Commercial lenders risk less by pressuring retailers into asset based loans

October 10, 2017Uncategorizedcommercial lender, commercial lendersbigdaddydennis

Commercial lenders are witness to the distress of retailers this year and are compelling many store operators to take on asset based loans over traditional financing. What does this trend indicate for the future of retail lending?

Retail is under increased distress this year. Last year retailers added about 17,000 jobs per month. Currently retailers are laying off roughly 9,000 employees on a monthly basis according to the Bureau of Labor Statistics.

Retailers not only have to compete with Amazon and other online sellers, they also have to struggle to maintain the glut of properties built during the ramp up to the Great Recession. Price Waterhouse Coopers estimates there is about 24 sq. ft. of retail space for every person in the United States. According to Co-star during the first half of this year 76 million sq. ft. of this space is out of use. Vacant retail space is fast approaching last year’s record of 82.6 million sq. ft. Analysts are already making drastic predictions for the amount of stores expected to close this year. Price Waterhouse Cooper conservatively estimates 90 million sq. ft. of retail space will be out of use by the end of the year. Credit Suisse is making even more drastic predictions. The group expects store closures this year to reach 8,640. These closures would amount to an unprecedented 147 million sq. ft. of vacant retail space.

Lenders are prompting retail borrowers to take out asset based loans in response. Asset based loans involve a pledge of a borrowers inventory or cash reserves as collateral. Once these loans were only considered for only the most distressed borrowers. The obvious pain of the retail sector has caused this type of lending to become more and more common. Retail was the largest user of asset based loans last year. In 2004 7.9 percent asset-based borrowers were retailers. Retailers now hold 10.2 percent of these loans.

Asset based lending puts commercial lenders, at the front of the line when retailers go out of business.

Lenders are most often paid in cash when asset based loans default. The issuers of asset based loans receive the majority of income from going out of business sales, as these loans involve a pledge of a borrower’s inventory as collateral. It can be expensive and time consuming for traditional lenders to foreclose and sell off vacant storefronts. The immediate guarantee of cash payments involved with asset based lending will give many banks greater assurance about offering financing struggling retailers.

Commercial lenders are obviously wary of financing retailers given the current economic climate. This will have a particular impact on lending to new retailers in the future.

Micheal Rose, an analyst at Raymond James, claims investors are not particularly concerned with banks lending to retailers. Rather investors are more concerned about bank exposure to commercial properties which may default. In the future lenders will be especially wary of financing new retail related construction projects. Lending to established retailers may continue, but new stores may find it difficult to secure start up funding. “ I don’t think people are so worried that there cutting back or trying to get rid of what they have, but when new opportunities are coming up, at least some banks are being more cautious,” said Ann Scully CEO at Maryland based Howard Bank.

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How the Consumer Financial Protection Bureau Impacts Commercial Lenders

October 9, 2017Uncategorizedcommercial hard money lenders, commercial hard money loans, commercial lenders, commercial lendingbigdaddydennis

Over the past couple of years, the power of the Consumer Financial Protection Bureau (CFPB) has continued to grow. While it remains to be seen what impact the current administration will have on the CFPB, it would be wise for commercial lenders to pay attention to way the lending industry is being changed.

With the Dodd-Frank Act, the commercial lending industry has been scrambling to ensure that institutions fall within the guidelines of the law. While this is not a bad thing for consumers, it does make the industry much more regimented. This, ultimately, has the potential of damaging growth over the long run. Because of Dodd-Frank, commercial lenders will be at the mercy of the CFPB not in both current and future activities. But what exactly does this mean for both lenders and borrowers?

One of the major changes that will affect both lenders and borrowers with these regulations is in data collection. This might not seem like a burden, especially on the borrowers, but the data collection infrastructure that is going to be built in the industry surrounding this need has the potential of costing borrowers on the back end. Commercial lenders are now required to gather demographic information that will identify borrowers as women, minorities, veterans, and other ethnicities. This information will be compiled about the principal business owner.

However, the stipulation is that this information cannot be shared with underwriters or anyone else who might be able to halt the lending process because of discriminatory demographic information. That is, unless they share a non-discrimination clause with a potential lender. The necessary steps that will need to be taken by commercial lenders to gather this information, but then not share it remain to be seen, but this will certainly impact the process in terms of cost and time that it will take to process the application.

The interesting thing about this regulation is that the CFPB has yet to divulge exactly how they plan to implement this regulation. This leaves the industry in limbo. Lenders cannot comply with or adapt to regulations that have yet to be implemented and so it is virtually impossible how this will impact lenders and borrowers in a specific way. The strange reality of pending regulations is that they actually might be changed before they are ever implemented.

What are the future of the regulations that will affect commercial lenders?

While it is very hard to tell exactly what will come from the government, there does seem to be a trend toward tighter regulations on the commercial lending market. Part of this is motivation to protect consumers after the last real estate collapse and part is a general trend toward a regulated lending market across the landscape, as many predatory loans have poisoned the waters. Commercial lenders will have to deal with an ever-changing landscape of pending and enforced regulations. And you can be sure that it will ultimately end up affecting borrowers as well.

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