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BUSINESS
LOANS AND MORTGAGES
COMMERCIAL MORTGAGES CALIFORNIA
BUSINESS EQUIPMENT LOANS
ORANGE COUNTY, SAN DIEGO, LOS ANGELES, SAN FRANCISCO, SAN JOSE
.

WELCOME BUSINESS OWNERS
- FREE LOAN ANALYSIS

We Do Great Commercial Lending!
"Commercial Real Estate
LOANS IN CALIFORNIA"

We Secure Financing for
BUSINESS EQUIPMENT AND BUILDING LOANS

PURCHASE AND REFINANCING OPTIONS:
UP TO 10 YEARS FIXED RATE AND 30 YEAR AMORTIZATION

Thank you for your interest in our commercial real estate and small business lending products. Our loan officers have extensive experience in business development, finance, credit administration, policy writing, underwriting, special assets-commercial loan workouts, risk management and research & development. Our primary goal is to make sure that clients are 100% satisfied with the products and services that are delivered. We want our clients to have access to the most competitive rates and terms so that it achieves their financial goals.

The ideal client is a real estate investor or business owner who is in need of financing for the following reasons: purchase or refinance commercial real estate, equipment & machinery acquisition, working capital, business acquisition and debt refinance.    

When it’s time to make important real estate or financial decisions for your company we know that it can be stressful, complicated, expensive and overwhelming. Our mission is to make the financing process relatively painless, simple, cost effective and even enjoyable.

Common Commercial Real Estate (CCRE) originates commercial real estate and small business loans for investors and small business owners throughout California as well as nationwide. We provide investors and small business owners access to the most competitive financing through prominent national & regional banks, credit unions and private lenders.

For commercial real estate loans we can secure financing for purchases and refinances of existing loans up to $15,000,000. We will provide competitive loan products for a full range of properties, including apartments, retail/shopping centers, office, industrial, single-tenant net lease, medical and special purpose. Fixed interest rates are offered at the periods of 3 years, 5 years, 7 years and 10 years. Depending on the property type, loans can be amortized for up to 30 years. Some of the lenders that we work with offer low origination fees and no pre-payment penalties.

For small business owners, CCRE can secure revolving lines of credit (secured & unsecured) from $50,000 up to $2,000,000; equipment term loans up to $1,500,000; fixed rate commercial real estate loans up to $15,000,000; and SBA loans up to $5,000,000.

Is a commercial loan right for you?

*Commercial Loan Uses

Commercial Real Estate Purchase Commercial Real Estate Refinance
1031 Exchange
Business Acquisition
Business Expansion
Purchase Equipment
Lines of Credit
Long-Term Working Capital
Debt Refinance

WE MAKE LOANS ON PROPERTIES INCLUDING:

Retail
Apartments
Factories / Industrial
Shopping Centers
Office Buildings
Warehouses
Industrial
Mixed-Use / Single Use
Owner Occupied
Medical


Call Us Today (949) 354-2485

ABOUT BUSINESS LOANS:

A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. There are a number of different types of business loan, suited to the requirements of different types of business such as bank loans, mezzanine financing, asset-based financing and invoice financing.

Types

Bank loan

See also: loan

A bank loan is obtained from a bank and may be either secured or unsecured. For secured loans, banks will require collateral, which may be lost if repayments are not made. The bank will probably wish to see the business’s accounts, balance sheet and business plan, as well as studying the principals' credit histories. Many smaller businesses are now however turning towards Alternative Finance Providers who are offering a number of advantages and reasons to seek business finance elsewhere.

Mezzanine finance

Main article: mezzanine capital

Mezzanine finance effectively secures a company’s debt on its equity, allowing the lender to claim part-ownership of the business if the loan is not paid back on time and in full. This allows the business to borrow without putting up other collateral, but risks diluting the principals’ equity share in case of default.

Asset-based finance

Main article: Asset-based lending

Once considered the finance option of last resort, asset-based lending has become a popular choice for small businesses lacking the credit rating or track record to quality for other forms of finance. In simple terms, it involves borrowing against one of the company’s assets, with the lender focusing on the quality of the collateral rather than the credit rating and prospects of the company. A business may borrow against several different types of asset, including premises, plant, stock or receivables.

Invoice finance

Main articles: invoice discounting and factoring (finance)

In recent years, it has become increasingly difficult for SMEs to obtain traditional finance from banks. Alternative options are invoice discounting or factoring, whereby the company borrows against its outstanding invoices, with the ability to obtain funds as soon as new invoices are created. It is often questioned which option is best for your business – factoring or discounting – and the answer depends on how the business wants to be perceived by customers.[citation needed] With factoring, the finance company charges interest on the loan until the invoice is paid, as well as fees, and the finance company takes ownership of the debtor ledger and uses its own credit control team to secure payment. With invoice discounting, the business maintains control of its own ledger and chases debts itself.

Secured and unsecured business loans

Main articles: secured loan and unsecured debt

Business loans may be either secured or unsecured. With a secured loan, the borrower pledges an asset (such as plant, equipment, stock or vehicles) against the debt. If the debt is not repaid, the lender may claim the secured asset. Unsecured loans do not have collateral, though the lender will have a general claim on the borrower’s assets if repayment is not made. Should the borrower become bankrupt, unsecured creditors will usually realise a smaller proportion of their claims than secured creditors. As a consequence, secured loans will generally attract a lower rate of interest.

References

  1. ^ "Mezzanine Financing". Investopedia. 
  2. ^ "Asset-Based Financing Basics". Journal of Accountancy. August 1, 2011. 

 

 

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