Tag Archives: commercial lending texas

Spotting a Business Loan Arizona That Is Too Good To Be True

June 3, 2018UncategorizedArizona home loan home loan Arizona Blog 14: Do You Need a Mortgage Broker Arizona?, commercial lending in texas, commercial lending texasbigdaddydennis

Spotting a Business Loan Arizona That Is Too Good To Be True

(Looking for a great deal on a business loan Arizona is smart. But you need to be able to determine which offers are legitimate and which are actually a scam.)

When you are searching for a business loan Arizona, it can be difficult to tell which lenders are legitimate and which are actually running a scam just to collect fees from unsuspecting potential borrowers. But completing your due diligence will reveal some information that will give you a good indication of which firms are legitimate and which are scams. There are some legitimate lenders who do request a processing fee when you submit your request. So that is not always a sure sign of a scam but there are a few dead giveaways.

When researching lenders to submit loan applications to, it is wise to always eliminate any that are outside the United States. This will greatly help to reduce the number of shady or fake lenders that you will be speaking to. Any lender who is outside the country is not going to be forced to follow any U.S. laws and that greatly increases the potential for you to become a victim of a scam or to have your personal information and identity stolen. In addition, if you are working with a firm who claims to be in the United States and then in fact is not, stop all transactions. A business who is hiding their location is more than likely not legitimate.

If you are told that there are no qualifications to be met for business loan Arizona approval, you are likely dealing with a fake company. These “firms” are likely to say that they charge a somewhat substantial fee for the loan request to be processed but then the fees are applied to your loan points. And that it is just a formality because there are no criteria that you must meet to get approved. These are all lies to get you to pay the fee. Once you pay then the lender never calls you again and will not return your calls or emails.

Don’t Be Fooled By an Office

Even if the company has a nice office in a respectable neighborhood there is no guarantee that they are legitimate. In most cases the office is in another state or city and all that you are seeing are pictures on a website. Not only is the office likely to belong to someone else but the entire business could be nothing more than a person who is running a website and collecting application information to sell as well as bilking borrowers out of application fees.

There Is No Free Loan

You are never going to find a legitimate business loan Arizona that is offered without any fees or interest. Lenders are in business to make money just as you are. So always look very closely at the entire contract and all of the fee and payment structure of any loan that appears to be too good to be true.

Commercial Lending In Texas – Do I Need A Commercial Broker?

November 3, 2017Uncategorizedcommercial lending, commercial lending in texas, commercial lending texas, texas commercial lendingbigdaddydennis

You have decided that you want to take advantage of some of the unique potential of the commercial lending market in Texas, but you are unsure of how to proceed. Maybe you like to do things for yourself and make it a learning process, or maybe you simply don’t have the time to do it yourself. If so, then you need to decide if it is in your best interest to hire a commercial broker.

Deciding whether or not to utilize a mortgage broker is a big decision and one that is entirely up to you as an individual and as a business owner. It is quite possible that a broker could make your commercial lending experience very easy, but there is also a chance that using one could cost you a significant amount of money.

When deciding whether you need a commercial broker or not, there are several things to consider. First, is the amount of time that you are willing to spend hunting down your own lenders. If this is a project that you would like to devote many hours to, on the phone and in person, speaking with lenders and setting up appointments, then using a commercial broker will not save you time. Maybe you even like this part of the process and do not mind spending the time to do it. However, if you do not want to spend the time to shop around to different banks and lending sources to track down the perfect commercial lending program for your needs, then hiring a commercial broker might be an excellent investment for you because of the time that you are bound to save.

Another deciding in factor is whether or not you are familiar with the commercial loan process in general. If this is your first time, it might not be a bad idea to get a recommendation from a colleague or mentor and work with a commercial broker. They will know much more than you do at this point. However, if you are experienced in this, and have a good handle on the process, then perhaps you don’t need one. If you have done many investments, then you might even have some preferred lenders to cut through some of the leg work.

If you have a unique situation, whether it be for qualifying, for the terms of the loan, or for something else, it also might be in your best interest to work with a commercial broker. Lenders want to get as many qualified loans out as possible and might not take the time necessary to hear your specific situation, unless you have a professional to advocate for you. Whether you decide to use a commercial broker or not is a decision only you can make, but there are many benefits to securing commercial lending in this manner.

What if I tried commercial lending in the past, but was not happy with the outcome?

If that is the case, that it is probably very important that you work with a broker if you are looking for another commercial loan. They will be able to find lenders to compare for you and you will have more choices than you did before. If you didn’t have a good experience the first time and you would like to try again, having a commercial broker as your advocate could drastically change your experience in commercial lending.

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 Lending In Texas – What Can I Expect From A Commercial Broker?

November 3, 2017Uncategorizedcommercial lending, commercial lending in texas, commercial lending texasbigdaddydennis

Entering into a commercial real estate venture can be an intimidating decision. Whether you are looking to purchase your first property or are simply trying to scale up from what you already have, going at it alone might seem like a noble challenge, but with so much money on the line, it is often wise to seek the help of a broker in commercial lending.

The market of funding sources for property investors has been expanding and it will continue to do so as new and creative ways of funding commercial mortgages keep emerging for small business owners. As an individual, it can be a huge work load to try to stay on top of all of these various options, while still maintaining a small business. This is where a commercial broker could be of tremendous help to a potential borrower. This is not to say that a borrower should not spend a great deal of time learning what they can, it is a lot of money, but brokers know the commercial lending landscape better than anyone, especially in local markets like the one emerging in Texas.

So what exactly does a commercial broker do and what can a lender expect out of one? Essentially, a good commercial broker will have lots of experience in a large variety commercial lending options. This can be any property from a strip mall, to an office building to a multifamily housing unit, although each individual broker will most likely have an area of specialty.

A huge benefit of working with a commercial broker is that they have connections with a variety of lenders. This gives them a great deal of flexibility when searching for the best possible loan for a borrower. While some brokers only specialize in certain regions, this can actually be a benefit, as they will be able to guide a potential borrower to very specific lenders for very specific properties.

Typically, a commercial broker will take a borrower through the entire process of securing commercial lending. Sometimes this might mean that they even assist a borrower after the loan has been approved, if there are additional requirements. A broker will review a borrower’s financial needs and qualifications and then being “shopping” for a potential lender. Brokers will also help with finding appraisers for the property. However, one of the greatest aspects of working with a broker is that when all of the appraising and paperwork is done, they will present the borrower with a list of options to choose from. Compiling such a list as a small business owner going at it on their own would take an extensive amount of time and would most likely be incomplete, as a borrower is not going to have the same type of relationship with lenders as the broker. The borrower then simply chooses which option is best and the process moves forward.

How are commercial brokers paid on commercial lending in Texas?

Typically, brokers are paid from a percentage of the final loan amount. This can be anywhere from 1% to 5%, traditionally. While some brokers have an upfront fee, many do not, which is very beneficial for borrowers. Brokers also usually depend on referrals, rather than active recruitment, so it is in their best interest to do everything that they can to help you secure the best commercial lending option possible for a borrower.

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What is Asset Based Commercial Lending Texas?

October 1, 2017Uncategorizedcommercial lending texas, commercial loan in texas, commercial loan Texas, commercial loans, commercial loans in texasbigdaddydennis

Asset based commercial lending Texas is growing in popularity. It is a newer alternative to the standard commercial real estate financing that has been in place for many decades.

The conventional commercial lending Texas process normally involves many steps. There is an analysis of the commercial property that must be completed to determine if it has the value to secure the loan. The borrowers must also provide a deposit to cover the loan processing and fees for discovery prior to being granting the loan. In addition, the borrower must submit a great deal of financial information to the lender to demonstrate their financial security and ability to repay the loan that they are requesting. And even though this does not look like a long list of tasks, the reality is that it can take six to twelve weeks for all of this to be completed. But asset based commercial lending Texas can offer a much shorter timeline.

Asset based commercial lending Texas can offer a shorter turnaround time because the lender is not looking as much at the value of the commercial property. In this case, the collateral is not the property being purchased but instead it is the company’s other assets such as accounts receivables, balance sheet assets such as inventory or equipment that is being used as the collateral. This eliminates a lot of the preparation time that a borrower devoted to preparing financial documents for a lender and also reduces the time that the lender must devote to evaluating the borrowers financial stability.

True Asset Based Lenders

In reality, a true asset based lender does not request any financial documentation from a borrower. And they are willing to accept any level of credit score or credit history that the borrower might have. What the lender does want to see is proof of ownership of the other assets that the borrower is using as collateral. In the case of inventory or equipment, the lender will want to be sure of the value of the items. This might require appraisals that the borrower will need to pay for. But the greatest benefit other than the lack of credit and financial information is the fast approval time. In many cases these loans can be processed in a fraction of the time that a conventional loan requires.

Who Are Asset Based Lenders

In many cases, an asset based lender is a private lender who is not restricted by federal lending regulations. This can work in the borrowers favor as the criteria to qualify can be much less strict. But it can also work against the borrower because the lender is not forced to comply with any interest guide lines. But if you need a commercial loan quickly or you have a questionable credit history, then asset based lenders are a great option. However, as with any loan from any lender, you will want to have the loan documents reviewed by your legal professional prior to signing them. This will ensure that you are in full agreement with all of the terms of the loan.

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Tips to Getting Approved for Commercial Lending Texas

October 1, 2017Uncategorizedcommercial lenders, commercial lending, commercial lending in texas, commercial lending texas, texas commercial lendingbigdaddydennis

Commercial lending Texas is all based on a risk assessment. So investing some time to learn what your lender is looking for can provide a great return on your investment.

Knowing that commercial lending Texas is all about the risk that your company represents to a lender can make it easier to understand why the application process is so daunting. No one is going to walk into a lenders office and admit that they never pay their bills or that they are a poor business manager. So the lenders need to run businesses and their owners through a lengthy process to determine creditworthiness. But each lender might have different criteria and different motivation for making their decision. So taking the time to talk to each lender can afford you some very important information about the process and how you need to present yourself and your business during the application process.

Getting a copy of the application is a critical first step. This will tell you what information the lender wants. Read all of the questions and make a list of any issues or questions that you have about the application so that you can discuss them in person with a representative. Understand that some commercial lending Texas criteria will be fairly common but other criteria could be more obscure. All of the lenders will want to see financial reports, taxes and credit information. But some lenders might also be very interested in your industry, mentorships that you work with or other work experiences that you might have had. Providing that information can greatly improve your chances for approval.

Another key for some lenders is the length of time that you have been in business. If your company is new then providing a well-documented business plan can demonstrate your dedication to planning and growing your business. Other lenders might only be focusing on your Dunn & Bradstreet score. Know your number and understand that a score of 75 will almost certainly get you a loan.

Have Supporting Documents

Applying for commercial lending Texas is a long process and one that will require some effort and work on your part. Have documents to support the claims that you are making about your business. Show your long term profitability with several years of P & L sheets. Demonstrate your cash flow with years of monthly statements showing deposits. And have documents to show that you have gotten loans before and paid them off with no issues.

Tell Your Story

Some lenders are going to want to know more about you than just what the numbers can tell. If this is the case then be ready to tell the story of your business. Explain your motivation for starting the company and how you have grown it to the current point. Also give credit to all of the supporting members of your team. A well balanced management team will be less risky than a one man show. Take the time to get to know the lender and what they want to know to grant your request for a loan.

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Banks Known for Commercial Lending in Texas Reach a Mutual Termination Agreement That Benefits Both Parties

September 28, 2017Uncategorizedcommercial hard money lender, commercial hard money lenders, commercial lending in texas, commercial lending texasbigdaddydennis

Two top commercial lending in Texas banks have recently terminated their merger agreement that was established at the beginning of this year, on January 23^rd. The mutual termination was needed for bother companies to continue to be successful on their own.

Hope Bancorp, Inc., the holding company for Bank of Hope had reached a merger agreement in January of 2017 with U & I Financial, which is the holding company for UniBank. Just last week, Globe Newswire reported that the two companies entered a mutual termination agreement.

Hope Bancorp, who specialize in commercial lending in Texas, had reported financial weaknesses after the 2016 audits of financial statements. Luckily, they have since made progress to improve and fix these issues in their own financial systems. As stated in the original merger agreement, because of the financial weaknesses found with Hope Bancorp, it has been agreed for the merger to not be complete.

The termination of the merger agreement includes that each party involved is responsible for their own costs and expenses that are associated with the termination transaction. However, this does exclude any fees or penalties that are caused by the actual termination between Hope Bancorp and U & I Financial.

Top commercial lending in Texas bank is eager to bounce back after financial instability

Hope of Bank happens to be the first and also only Korean bank in the country. They have $13.9 billion dollars in total assets and Kevin Kim serves as President and Chief Executive Operator. Kim has expressed his disappointment in the merger not going through, but he agrees this is the best decision for both parties involved. Bank of Hope currently has 64 branches across the United States, including some in Texas who specialize in commercial lending in Texas. They also specialize in other business banking products for small to medium size businesses.

Bank of Hope is trained in commercial lending in Texas and also lends a helping hand to the Small Business Administration

Hurricane Harvey hit the southeastern part of Texas hard just a few weeks ago and the entire area is trying to make progress and rebuild, especially those needing commercial lending in Texas. With the merger, not being completed between Hope Bancorp and U & I Financial, these two establishments are able to focus more of their efforts on helping the area rebuild after Hurricane Harvey damaged 18 counties in the state.

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A Handful of Successful Banks Offering Commercial Lending in Texas Recognized by American Banker

September 28, 2017Uncategorizedcommercial hard money lenders, commercial hard money loans, commercial lending in texas, commercial lending texas, texas commercial lendingbigdaddydennis

Each year, American Banker are eager to report their list of the Best Places to Work for across America. Some of the top banks who happen to specialize in commercial lending in Texas were named on this year’s 2017 list.

The Lubbock-Avalanche Journal recently reported that several banks with commercial lending in Texas experience in the Lubbock area were on American Banker’s list as one of the American Banker’s Best Places to Work. First Capital Bank of Texas, Peoples Bank, American Bank of Commerce, City Bank, Happy State Bank, First United Bank and Vista Bank were all honored by American Banker.

Banks from all across America were evaluated on a number of different things that included workplace policies, workplace practices and also demographics. Employees were asked to conduct surveys relating to their experience working for the bank. It is important that other banks are encouraged to take note of the winning banks’ policies in hopes that they may be able to adopt similar policies that will help their bank and community thrive.

This year’s ranking happens to be the fifth year for American Banker’s Best Places to Work list. This year, a total of 75 banks from across America were put on the list for 2017. But western Texas happened to have the most banks recognized by American Banker compared to other parts of the country. Texas is home to many banks that offer commercial lending in Texas and the state happens to be a big capital for the market.

American Banker recognizes those with commercial lending in Texas experience to set standards.

For five years, American Banker has recognized the best banks to work for in hopes of promoting a culture of high performance along with positive experiences for all of those involved. American Banker hopes that others can learn from these notable banks that they can learn and adapt a similar culture to improve the experiences of their employees and customers.

Banks hope that being recognized means that they are the real deal in the commercial lending in Texas market.

Banks with commercial lending in Texas experience that were acknowledged were able to properly accommodate employees and all of their needs to feel more appreciated. On top of this, the banks also delivered exceptional customer service while maintaining positive relationships with not just their customers, but also their employees.

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Commercial Lending from the SBA

September 24, 2017Uncategorizedcommercial hard money lender, commercial hard money lenders, commercial hard money loan, commercial hard money loans, commercial lending, commercial lending texasbigdaddydennis

Commercial lending through the Small Business Administration has many advantages for your business. But you will want to be sure that you understand the guarantee fee and other loan fees.

Any time you are researching commercial lending options, you need to be fully aware of the entire fee structure of each lender to be certain that you are selection the best option to meet your needs and your budget. In most cases the SBA is not the lender, but they do offer the lender a guarantee on certain types of loans. The cost of the guarantee is then passed on to the borrower. But the benefits to this type of loan are the lower interest rate and the longer repayment term.

Normally the SBA will guarantee between 75% and 85% of your loan and that is the amount that they use to calculate the guarantee fee. A very short term loan of less than a year will have a rate of .25% for the guarantee while longer term loans can be calculated at a rate up to 3.75%. This process is in place for all SBA 7a loans. There are also some additional fees that can apply to a 7a loan as well as other loans offered through the SBA.

There is an origination fee that can range from .5% up to 3.5%. The percentage that you will pay is determined by the lender that you are using as well as the size of the loan that you have requested. You will also be paying a loan packaging fee. This is a service that is provided to you to help improve your chances for approval during the commercial lending application process. In most cases borrowers are not familiar with the process or the amount of documentation that is required for approval. The application package represents your first impression to the lender and is critical in a successful loan. The broker fees and service fees are fairly self-explanatory. These are similar to any loan that you would ever apply for and it covers mostly the administrative side of the process.

Understanding Closing Costs

Commercial lending closing cost tend to cover a more broad scope than you might think. These are the fees that pay for any appraisal that might be needed, determining the valuation of your business, an environmental report for any property that might be included in the deal, the title fee for the property and any legal fees. It is very important that an attorney review all of the loan documents prior to you signing them. This ensures that you are protected and that the documents are all legally binding to all parties involved.

When the Fees Are Paid

As you read through the list of fess that can be included in an SBA loan, you might begin to worry about the total cost and how you might be able to afford to pay the amount up front. But another benefit of working with the SBA for a loan is the fact that the guarantee fees and origination fees are rolled into your loan and paid over the term of the loan. The only fees that you must prepay are the appraisal fee, the business valuation fee and the environmental fee. The title fee, loan packaging fee and the attorney fees are normally paid at the closing of the loan.

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States are suing federal regulators: What is the future for Fin-tech?

September 24, 2017Uncategorizedcommercial hard money lenders, commercial hard money loans, commercial lenders, commercial lending, commercial lending texasbigdaddydennis

The Office of the Comptroller of Currency is being sued by state regulatory agencies for its efforts to provide special charters to non-bank alternative lenders. The future of non-bank commercial lending remains uncertain. As competing regulatory interests squabble, consumers are still left without basic protections.

States regulators, under the banner of the Conference of State Bank Supervisors, are suing the Office of the Comptroller of Currency (OCC) over the agencies proposal to issue special bank charters to non-bank alternative lenders. Opponents of the OCC’s efforts claim that under the National Banking Act, the OCC can only charter traditional depository institutions. John Ryan head of the CSBS claims, “ If the OCC is allowed to proceed with the creation of a special purpose nonbank charter, it will set a dangerous precedent that any federal agency can act beyond the legal limits of its authority.” Applicants for the OCC charter would need to meet the similar standards as traditional banks in terms of capital, liquidity, governance and regulatory compliance. The charter would label alternative lenders who qualify as special purpose banks, putting them under the same regulatory purview as traditional banks. States see the OCC’s proposal as a direct threat to their authority to regulate alternative lenders.

The issue comes down to the apparent need for a uniform regulatory frame-work for non-bank lenders. The OCC claims offering the charter is just the first step in efforts to encourage responsible innovation and to protect consumers in the growing alternative lending industry. The special charter would be optional and a way for alternative lenders to distinguish themselves from the competition. Securing a charter could allow qualified lenders to skip the state-by-state licensing process currently in place. State regulators argue that existing frame-work has worked thus far and that states are in a better position to regulate the growing industry. According to Ryan, “State regulators already supervise a vibrant financial services marketplace that includes non-banks and banks. That regulatory structure has produced a robust platform for innovation.”

This debate illustrates just how far behind US regulators

are when it comes to the Fin-Tech industry.

The OCC’s proposal is merely first step to provide a uniform set of regulations for the alternative lending industry. Similar frameworks already exist in places like Hong Kong and the UK. These countries were able to take preemptive steps to protect consumers. In the US creating a consistent set of regulations is far more difficult because there are so many overlapping interests. But the lawsuit and the debate over state vs federal authority, should be settled in order to protect consumers and the industry as a whole. Going forward a uniform, but adaptive regulatory frame work is needed. The OCC should lauded for taking tentative steps in this direction.

While regulators squabble over who can regulate alternative lenders, consumers lack basic protections.

Basic consumer protections are needed in the Fin-Tech industry. State and federal regulators should stop sparring with one another and take concrete steps to establish a sensible set of rules under which alternative lenders can operate. The OCC efforts to give consistency through a standardized charter is an encouraging first step in this direction. Good regulation in the future would recognize the diversity within the industry as a whole, adapt as the market changes and not place an overwhelming burden on start-up lenders. The federal government and states need to work with one another, to protect consumers rather than engaging in pointless turf-wars.

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5 Sources for Commercial Lending Texas

September 20, 2017Uncategorizedcommercial lending, commercial lending texasbigdaddydennis

When you are researching commercial lending Texas you will learn that there are five main lenders that you can select for your loan. Knowing about all of your options will help you to make the best selection to meet your current and future needs.

As you begin your research on commercial lending Texas you will find that you have several options. The one option that business owners are most interested in is a loan through the Small Business Administration. The SBA is not the actual lender but they do work with a group of lenders to offer some exceptional benefits and terms for an SBA loan. The biggest benefit is that the down payments required on an SBA loan are normally much smaller than on a conventional loan. In addition, the interest rate is always fixed and also the funds can be used for building improvements. The down side is that there are loan origination fees, prepayment penalties and the owner must often provide a personal guarantee on the loan.

Conventional financing from a bank or savings and loan office is by far the most common source of commercial lending Texas. This is the process of going to your bank, completing the application process and hopefully getting approved for the loan. In most cases you can expect a conventional lender to be willing to write a loan for about 75% of the cost of the commercial property. This offers the lender added security in knowing that the property, which is the collateral for the loan, will always have a value greater than the balance of the loan. This is critical in the event that you default on the loan and the lender needs to recover its investment.

A less common known resource for commercial lending Texas is seller financing. This method was more popular when the conventional rates were in excess of 5% but there are still some buyers who use this financing option. One of the key benefits is that the seller avoids paying for the appraisal fees and the loan origination costs. In addition, there are times when the buyer is unable to get approved for a conventional loan but the seller is still willing to provide financing.

A Less Common Funding Resources

In some cases, you will be able to get a loan from a third party. This could be a hard money lender or even a family friend or relative. This is an opportunity for you to get the money that you need without paying all of the fees associated with a conventional loan. In addition, it can provide a nice return on investment for the lender. You will still need to pay some legal fees to have a good contract drawn up but the fees and the time to process the transaction will be much less than any other type of loan that you might get. Finally, if your business has been particularly successful then you might be in a position to pay cash for your property. If you have the cash reserve, you still might want to take the opportunity to finance a part of the purchase cost to establish or increase your business credit history. Knowing your options for lending resources will allow you to make the best financial decision for your short and long term goals.

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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Spotting a Business Loan Arizona That Is Too Good To Be True