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Commercial Funding
By Fred Estell



Private Commercial Funding has far surpassed the volume of conventional lending and has become the commercial capital source of choice. Private lenders and banks must both access the risk exposure which will have an impact on the final rates and terms, but all in all, private lenders have a much greater flexibility, can offer more creative methods of financing and are definitely open to negotiation.

Each lender will have a slightly different loan worksheet and may have different expectations of the detail in your executive summary. Your documents must be 100% accurate, offer full disclosure and executive summary must tell the lender the entire story and entice the lender to consider your request for funding. Prepare, work with your broker or consultant, and make a winning presentation. "First impressions are everything here".

We only work with the most reputable private investors and investment groups in the country who offer very creative short-term and long-term financing secured by commercial real estate and non-recourse stock loans. With our experience and knowledge, we have the capacity to orchestrate and facilitate creative solutions for even the most difficult transaction. Minimum $250K up to $500M.

We take pride in being recognized as one of the fastest in the industry. We also take pride in the fact that WE ARE NOT SHOPPING DEALS. WE ARE DIRECT TO THE FUNDING SOURCE. We are the Loan Mediators between the Principal and the FundS Group, which is what separates us in the Commercial Funding Industry.

We are interested in all types of commercial real estate, oil and gas, natural gas and alternative energy projects.

100% Funding for Low Income Housing: The most difficult hurdle for acquiring low-income housing, is buying the property without any capital. This is where we can help. Obtaining financing is especially critical with for-profit developers, whose projects need to make financial sense at the end of the day.

This is how we can make it happen for you. The investor puts up the equity and debt and own 99.9% of the property. They take the depreciation. A partnership is put in place. You become the general partner and investors take up to 20% of the income, the balance is divided up. Section 42 runs for 15 years with the same "owners".
If you do not have access to these particular properties, you may contact the local housing authorities, HUD (sometimes they sell off properties); some brokers specialize in low income properties. There are many available.

100% Joint Venture Equity Financing: This program provides 100% equity financing for large-scale development projects that require a joint venture partner;

Large-Scale Debt Financing: ($10 million and up). This traditional debt financing program provides loans for new development, refinancing and acquisition at competitive rates.

Small Balance Financing: (less than $10 million). This program is also a traditional debt-style funding model providing loans for projects that are less than $10 million in size.

DIP Financing: Debtor-in-possession financing or "DIP" financing is a special form of financing provided for companies in financial distress or under Chapter 11 bankruptcy process. Usually, this security is more senior than debt, equity, and any other securities issued by a company. It gives a troubled company a new start, albeit under strict conditions. Please contact us for details.

Apartment Equity Participation: If you are behind on your payments or headed for foreclosure and have the following:100 units or more, Nothing over 2-Story, No bad areas, Section 8 Ok, Rehab Ok. New construction or construction to perm does not qualify.

Non-Recourse Loans for Multi-Family & Assisted Living:This covers Multi-Family construction/perm, purchase, refi, rehab and fixed long-term interest. Healthcare to include Assisted Living, Nursing Home, Alzheimer Care Facility, Cancer Treatment Centers, Etc. Up to 100% financing for Multi-Family and Healthcare for Non-Profits. Contact us for details.

Commercial Bridge/Hard money: Commercial Land Development: Entitlements, capital infusion, geographical regions, and market conditions are all considered in the approval process. With these issues satisfied, transactions can close quickly. Loans are interest only, most non-recourse, no pre-payment penalty and up to 5 year terms.

Mezzanine Programs: Quick closings are available within 1 to 5 business days with complicated transactions taking longer. Typically, these loans are subordinated to first liens but debt/equity is also available.

Loans For Incoming Producing Property: Commercial Real Estate loans for office buildings, multi-family, and Industrial properties. Transactions can close in 5 days to 45 days depending on the transaction. Bridge Loans and Permanent Loans available through conduit programs.

Commercial Land Development Loans: Entitlements, capital infusion, geographical regions, and market conditions are all considered in the approval process for all commercial land development loans.

Stock Loans: Non-recourse stock loans based on a corporation's or individual's securities as collateral. These stock loans are non-recourse, whether the securities are treasury securities, aged or free trading stock, as well as options and warrants. These stock loans never have a margin call and no reporting. This is a private transaction.



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About the Author

Fred Estell, Kingdom Builders Financial Group
Arlington, TX 76006
9035569097

If you would like to re-print this article, please contact the author.
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