Unique Low Rate Bridge Loan Financing
Can Provide You the Cash You Need Until You Secure Longer Term Financing.
Our Commercial Bridge Loan Mortgage financing
programs are primarily real estate based and start at $300,000.
Rates in the MID SINGLE DIGITS! LTVs to 65%. Ask for Ron @ 1-877-655-5625
commercial real estate bridge loan loans, let U.S. Funding Solutions
help your company acquire bridge financing. We understand the frustrations
of business property owners and offer short and longer term bridge
Your Commercial Loan Summary
Loan Financing on Commercial Property Program Highlights
have had the pleasure to work with Ron Stone on a rather complicated
transaction. Throughout the process, Ron proved to be exceptionally
competent, understanding of the issues on hand, and very pro-active
in finding solutions for said issues. I can only express my deep
gratitude to him, and I consider anybody who has the chance to work
with him, to be the fortunate one because it will be a successful
H. Jim Scherber, Owner & Broker, HPS Real Estate Investments,
Palm Springs, California.
Our Low Rate Short Term Low Rate Commercial Loan Financing Programs
key when looking for a company real estate mortgage is to find a
true expert with access to numerous lenders and programs. That way
you get the ideal structure for your situation, instead of submitting
your package to numerous lenders in the maze of "lenders"
out there, most if not all of which aren't a good fit for you causing
you time, money and frustrations and at best ending up with a situation
that is not the ideal answer for your needs much less the lowest
rate. That's where we come in. We are experts at finding you the
best option available. Let us prove it. Give us a call today and
Ask for Ron Stone.
is a Bridge Loan?
simply, a commercial bridge loan is a short term loan (usually no
more than 3 years) to give the borrower time to stabalize the property
or their financial/credit situation in order to either 1) Refinance
the commercial property or 2) Sell the property. Unlike our bridge
mortgage loan program, most commercial bridge financing loans carry
double-digit interest rates and significant front end points. We
hope this helps you understand what is a bridge loan
at least for commercial properties.
to $15,000,000 or more
represent traditional hard money lenders but have refocused
our efforts on a unique Low Rate (and low points) commercial
bridge lender that is not credit score focused. Call to learn
more. You'll be amazed.
specialize in lending for property acquisitions and refinance.
Our creative lending expertise enables us to
close on these equity-based programs of $300,000 to $15,000,000
with great terms. They also allow borrowers with assets to acquire
the financing they need.
Can I refinance my commercial bridge loan?
Absolutely. We can get you another bridge loan with a much better
interest rate if you aren't ready for a normal refinance. We
can also refi a commercial bridge loan with a good rate and
a longer amortization period.
What if I need to get a commercial bridge loan with
bad or poor credit? Credit is not normally a factor
in our commercial bridge mortgage financing programs.
Can I refinance my bridge loan with cash out? Absolutely.
Not only are banks not lending much on corporate properties,
since late 2006, 384 lenders have gone under. Here is the list of
real estate lenders that have closed their doors. Mortgage
lenders Out of Business
So just how does the process of getting short term
The process starts with a few simple questions
for us to understand the type of property, the value of their property(s),
the bridge amount and the customer's needs. Credit may or may not
be pulled as it's not much of a factor in these bridge loans. For
qualifying properties and LTVs (see above) that have a recent appraisal,
the process may be quite fast. Commitments can happen in as little
as a few hours and funding can occur in as little as 5 days. Fees
can be built right into the loan which typically goes for 1 to 3
years. Also, there are no prepayment penalties so you can pay off
the loan at any time, giving you the flexibility you need when seeking
longer term financing. We've had customers pay off their bridge
financing in as little as 3 months. Our programs are ideal for property
owners needing to move quickly. This may help a business out of
a jam when their existing loan hits the balloon date. Our programs
can also allow a business person the ability to take advantage of
a great opportunity in buying a piece of property in a distressed
situation. The key to these is the speed of issuing these loans.
Interesting Financing Tips Article
Here are 5 Financing Tips You Need To Know
For many corporate property(s) owners or buyers,
the banks are pretty much ignoring their needs. And why not? These
may be really cheap (near zero interest rate) money from the Federal
Reserve that they can buy U.S. Treasuries and pocket a nice spread
with no risk.
The effect of this is a huge number of businesses
are having to get short terms financing on their businesses properties
to tide them over a few years until corporate credit is freed up
or until they sell their properties. And while they are not cheap,
they may mean the difference in hanging on to their properties and
losing it. However, there are some conditions for borrowing that
a prospective borrower needs to be wary of. Here are 5 critical
watch outs you need to be aware of.
1.Prepayment penalties – Businesses needs to try and avoid
borrowing with a prepayment penalty as just like with the sub prime
implosion, those penalties can wreak havoc with your future refinance
or sales plans. Not having a prepayment penalty gives you a lot
2.Term – Businesses need to be sure the term is long enough
to carry them to the next phase whether it be a refinance or sale.
Too short can get you right back into hot water. If you avoid a
prepayment penalty, there is no downside to a longer than needed
term as kind of insurance.
3.Not Borrowing Enough– You need to be sure you borrow enough
to cover those little (or big) surprises. Again as in number two
above, it’s just good insurance particularly in these uncertain
4.Borrowing too much – Yes, I know I just warned against borrowing
too little but you can easily go overboard and borrow considerably
more than you need. If you’re buying or constructing a business
property(s), it’s real easy to borrow enough to cover all
those “bells and whistles” that are best done from your
busineses future cash flow.
5.Not Using the Best Finance Structure – Bridges can be structured
many ways. Be sure that you don’t just take the first structure
that is presented to you by the lender. Be creative. You may want
an experienced third party to help you figure what structure is
best for you and your business(s). Remember, the lender will propose
what is in their best interest. You need to counter with what is
best for you and your business(s) if different.
Take note and use them when negotiating with your lender.
Is The Business Property Market The Next Big Problem For
The United States Economy
While many economists are focused on the unemployment
numbers, residential foreclosures and the growth of the GDP, there
still remains a possible near replay of the housing crash. I'm talking
about the commercial real estate and commercial real estate mortgage
While the factors that led to the housing crash have and continue
to be front and center in the main stream media, news coverage of
the commercial real estate market is receiving very little press.
What many don't know is that while to a less significant degree,
the corporate real estate and corporate mortgage markets (an over
$6 trillion market) have gone through a very similar period, as
did the residential housing market.
The similarities were 1) The corporate mortgage market was sliced
and diced by Wall Street to the amount of over $700 Billion, 2)
Businesses property values jumped dramatically as a result of easy
mortgage loans and the resulting demand and 3) These business(s)
real estate loan requirements were lowered significantly (but not
as much as residential home loan requirements) during the residential
property boom. The main differences are 1) A lot less speculation
was made in commercial properties and 2) Practically all businesses
mortgage loans are shorter term loans. While less speculation, often
in the form of flipping or even attempted flipping is a good thing,
short term loans are a bad thing so business property owners don't
have the luxury of time to wait out the market or economical ups
and downs. In addition to this fact, many of the banks are not making
corporate real estate loans except for the really large companies
and those with pristine transactions.
Luckily, there are a few private commercial lenders who are filling
some of the void left after the big banks deserted this market but
even so, there are a lot of anxious business owners needing a company
mortgage refinance loan. Many, however have neither the market value
and equity in the property or sufficient income for debt coverage
to allow them to get a mortgage. Numerous others are getting hard
money to bridge the financing gap. If as many gurus forecast, the
corporate market busts anywhere near to what happened in the housing
market (and early indicators, such as delinquencies reflect this),
it could be a massive hit to an already delicate economy. Time will