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Insider Tips to Getting High Leveraged Commercial Financing!

The Investor appeal of acquiring real estate often overlooks the main reason for purchasing… Making money! Too many real estate investors often confuse buying real estate with making money. In many cases, they are not the same. The overall strategy of buying low and selling high is only one part of making money in real estate. The longer term money is made by the savvy investor who understands the power of leveraged financing.

Think about this for a moment, most real estate gurus promote courses on finding distressed opportunities, negotiating owner financing and the various reasons why you should purchase real estate. How often do you see articles, or courses, promoting effective leveraged financing?

Let’s start with the purpose and the differences between the zoning of residential and commercial real estate. Residential zoning requires that all loans be collateralized based on the appraisal or purchased value of the property. It also requires that the owner qualify within the lender’s debt to income ratios, along with personally guaranteeing the loan. The hard money acquisition option has some short-term benefits however it is not intended for long-term purposes. The landlord type of investor requires stable affordable loan terms.

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5 Things You Need To Know About Commercial Finance

Introduction

Most people, especially “first time buyers”, tend to think only in terms of approaching their own banks when it comes to arranging finance. There are, however, other sources. There are Commercial mortgage Lenders, Asset Finance Lenders, Lenders that specialise in factoring/invoice discounting, lenders that can provide finance based on existing pensions, refinancing of existing commercial finance and much, much more. Also consider a personal loan or mortgage.

What Security Do You Have For The Loan

For large commercial loans, commercial finance lenders usually require land and buildings as security for the loan. In the current economic climate it is very difficult to get finance for more than 70% of the value of the loan – although in a very limited number of cases – not impossible! If you are looking for more than 70% – be prepared to look for other alternatives. For smaller loans, vehicles, plant, equipment etc. may be acceptable. Some lenders even allow you to refinance equipment that you already own (say a car) thereby enabling you to release capital into your business.

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Working Capital Loans and Commercial Finance Funding

As reported in The Working Capital Journal, traditional working capital loans are currently available from a shrinking number of commercial banks. Most of these business lenders are not among the relatively small group of larger banks which have received bailout funds. Small business owners should familiarize themselves about which commercial lenders are still actively providing this kind of business finance funding.

In most cases the active commercial lenders for this specialized form of commercial funding are limiting working capital loans to businesses which are current in their debt payments and are showing a net profit (based on recent financial statements). If these two conditions are met, new commercial loans can frequently be obtained to refinance lines of credit and term loans which have been cancelled or recalled by many lenders. For businesses not qualified for commercial financing using these two requirements, there are alternative funding sources such as business cash advance programs.

Many small business owners also rely on personal lines of credit to finance some of their business operations. There have been many reports of widespread cancellations and reductions of these lending programs as well, especially those involving lenders which have received a multi-billion dollar cash infusion from U.S. taxpayer money that was intended to facilitate the lending of money to businesses and consumers.

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Categories: Finance

More Help For Avoiding Fake Commercial Financing Articles

In a recent working capital financing article, we described the increasing use of fake content about commercial loans throughout the internet community. In the earlier AEX Commercial Financing report, we provided practical suggestions for avoiding publishers of fictitious information about business cash advances and commercial mortgages. We are providing more detailed suggestions for avoiding this growing problem in the discussion below.

The use of reputable publication sites is one of the most effective ways to avoid fake commercial financing articles. These trusted sites will employ their best efforts to eliminate articles for which the author does not have ownership rights. The best of these high-quality and responsible sites will require review of articles by a human editor prior to publication. Most of these websites will provide detailed contact information for the author. Some especially-thorough sites require authors to submit sample articles to demonstrate effective writing capabilities before publication.

For articles not published on an established site, some detective work might be necessary. The absence of detailed contact information can indicate that the site is more interested in having visitors click on advertising links rather than facilitating getting in touch with someone associated with the website. The worst offenders will typically steal content previously published on trusted sites such as those described above and remove the resource box (thus eliminating contact information for the author).

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Securing Commercial Finance

When you first decide to take up Commercial Finance from a Commercial Lender, you need to consider what you have to offer as security for the loan. Items that you can use to secure a Commercial Finance package are generally property, revenue and equipment.

In the UK, most Commercial Lenders will require up 75% of the value of the loan. You will need to come up with as much as possible to secure the loan. The items you put up to secure the loan will be confiscated by the Commercial Lender should your fail to honor the terms of the loan. Let’s look at each of the things that can be used and how they work.

Property

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