HSBC Premier Mortgage
No lender fees - an average savings of $2,000 or more.
us.hsbc.com/PremierMortgage
No lender fees - an average savings of $2,000 or more.
us.hsbc.com/PremierMortgage
American General
Personal Loans Up to $10K. In Local Community for 85 years--Apply Now.
www.agfinance.com
Personal Loans Up to $10K. In Local Community for 85 years--Apply Now.
www.agfinance.com
Restaurant Loans
Low Doc, Easy, Fast Fundings Must be Open 6 Months: 866 702 4430
AdvanceRestaurantFinance.com
Low Doc, Easy, Fast Fundings Must be Open 6 Months: 866 702 4430
AdvanceRestaurantFinance.com
4.25% Refinance Fixed
Fixed rate refinance. We have today's low rates. APR 4.57%
www.GuideToLenders.com
Fixed rate refinance. We have today's low rates. APR 4.57%
www.GuideToLenders.com
Commercial Loans
Expand Your Business. Fast Approval Competitive Rates. Start at $250K.
www.FlushingBusinessBank.com
Expand Your Business. Fast Approval Competitive Rates. Start at $250K.
www.FlushingBusinessBank.com
4.5% 30 Yr Mortgage Rates
Direct Lender. Close In 10 Days. PreApproved In Minutes. 4.9%APR
www.Amerisave.com
Direct Lender. Close In 10 Days. PreApproved In Minutes. 4.9%APR
www.Amerisave.com
Small Business Financing
Loans, Equip. Leasing, Factoring. Financing solutions for businesses.
www.VRKFinancial.com
Loans, Equip. Leasing, Factoring. Financing solutions for businesses.
www.VRKFinancial.com
Small Business Loans
We find you a bank, get the best terms, and prepare all paperwork.
www.mtfinan.com
We find you a bank, get the best terms, and prepare all paperwork.
www.mtfinan.com
Small Balance Bridge Loan
Commercial Real Estate Loans from $100k to $600k with 100% CLTV
www.cepfunding.com
Commercial Real Estate Loans from $100k to $600k with 100% CLTV
www.cepfunding.com
Related Business Topics
A
Acceptance Corp., Inc.
Acts as liaison and "matchmaker" between small businesses and its network of prescreened commercial lenders.
www.acceptancecorp.com
Acts as liaison and "matchmaker" between small businesses and its network of prescreened commercial lenders.
www.acceptancecorp.com
AeroFund Financial
Specializes in factoring, also provides equipment leasing, credit insurance and loans.
www.aerofund.com
Specializes in factoring, also provides equipment leasing, credit insurance and loans.
www.aerofund.com
Allcity Finance Loan and Investment Programs
Has many types of real estate, business, commercial, equipment loan, asset based loan, leasing, and private money loan programs available in all 50 States, $100,000 up to $10,000,000.
www.allcityservices.com
Has many types of real estate, business, commercial, equipment loan, asset based loan, leasing, and private money loan programs available in all 50 States, $100,000 up to $10,000,000.
www.allcityservices.com
AMCI Finance
Washington State based financial institution that has experience working with small businesses nationwide.
www.amci-finance.com
Washington State based financial institution that has experience working with small businesses nationwide.
www.amci-finance.com
AmeriBanque Ltd.
Process and prepare analytical write-ups for commercial loan requests.
www.ameribanque.com
Process and prepare analytical write-ups for commercial loan requests.
www.ameribanque.com
B
Barclay Associates
Business loans and equity financing for large and small companies in all industries.
barclayassociates.com
Business loans and equity financing for large and small companies in all industries.
barclayassociates.com
B & I Lending
Provides long term financing for construction, expansion, acquisition and debt refinance.
www.bilending.com
Provides long term financing for construction, expansion, acquisition and debt refinance.
www.bilending.com
Bankers Mutual Capital Corporation
Provider of factoring, leasing and asset-backed financing.
www.businesscash.com
Provider of factoring, leasing and asset-backed financing.
www.businesscash.com
C
One Stop Commercial Healthcare Lenders
Our diverse suite of lending products deliver solutions and provide all types of lending solutions for healthcare companies.
www.capitalsource.com
Our diverse suite of lending products deliver solutions and provide all types of lending solutions for healthcare companies.
www.capitalsource.com
Case Capital Corp.
Provides financial products to customers who purchase and lease equipment through Case Corporation’s established dealer networks in North America, Europe and Australia. Also offers a broad range of retail and wholesale financing products to a va...
www.casecapital.com
Provides financial products to customers who purchase and lease equipment through Case Corporation’s established dealer networks in North America, Europe and Australia. Also offers a broad range of retail and wholesale financing products to a va...
www.casecapital.com
K & B Capital Corporation
Commercial and residential Lender offering a wide array of mortgage products including investment grade mortgage capabilities for office and condo projects, multi-family and health care projects, hotel and related, construction, bridge and mezza...
commercialfinance.com
Commercial and residential Lender offering a wide array of mortgage products including investment grade mortgage capabilities for office and condo projects, multi-family and health care projects, hotel and related, construction, bridge and mezza...
commercialfinance.com
CommercialLoan.com
Provider of commercial financial services including real estate loans, aircraft/watercraft financing/leasebacks, accounts receivable, purchase order/contract financing, factoring and venture capital.
www.commercialloan.com
Provider of commercial financial services including real estate loans, aircraft/watercraft financing/leasebacks, accounts receivable, purchase order/contract financing, factoring and venture capital.
www.commercialloan.com
Congress Financial Corp.
Provides asset based finance, specializes in a variety of transactions from $3 million up to $250 million.
www.congressfinancial.com
Provides asset based finance, specializes in a variety of transactions from $3 million up to $250 million.
www.congressfinancial.com
D
Dana Commercial Credit
Subsidiary of Dana Corporation, provides leasing and financing services internationally to a broad range of business customers in selected markets.
dcc.com
Subsidiary of Dana Corporation, provides leasing and financing services internationally to a broad range of business customers in selected markets.
dcc.com
Deschutes Capital
Provides asset based financing and cash flow financing, including working capital revolving lines of credit for accounts receivable and inventory, leases, machinery and equipment loans, term loans, trade financing, commercial real estate loans, ...
www.deschutescapital.com
Provides asset based financing and cash flow financing, including working capital revolving lines of credit for accounts receivable and inventory, leases, machinery and equipment loans, term loans, trade financing, commercial real estate loans, ...
www.deschutescapital.com
F
Bad Credit Business Loans
Don't let bad credit prevent you from getting the necessary financing your business needs.We offer bad credit business loan alternative financing.
www.fastupfront.com
Don't let bad credit prevent you from getting the necessary financing your business needs.We offer bad credit business loan alternative financing.
www.fastupfront.com
First FundSource
Provides business loans, mortgages, note purchasing and accounts receivable financing.
www.firstfundsource.com
Provides business loans, mortgages, note purchasing and accounts receivable financing.
www.firstfundsource.com
Flexi Financial
Presents clients' loan application free of charge to over 50 major lenders.
www.flexifinancial.com
Presents clients' loan application free of charge to over 50 major lenders.
www.flexifinancial.com
First Capital Corporation
Makes accounts receivable and inventory loans to small and growing North American based businesses that produce sales of less then $20 million each year.
www.frstcapital.com
Makes accounts receivable and inventory loans to small and growing North American based businesses that produce sales of less then $20 million each year.
www.frstcapital.com
G
Global Funding Group
Provides alternative financing, bank guarantees, factoring and various loan products.
www.global-funding.com
Provides alternative financing, bank guarantees, factoring and various loan products.
www.global-funding.com
Global Financial Services
Full service financial company that has the ability to either fund or arrange financing.
www.globaleasing.com
Full service financial company that has the ability to either fund or arrange financing.
www.globaleasing.com
Global Resource Funding, Inc
Provides factoring, asset-based lending, leasing, debt arbitration and mediation along with cash-flow consulting for domestic and foreign companies.
www.grfinc.com
Provides factoring, asset-based lending, leasing, debt arbitration and mediation along with cash-flow consulting for domestic and foreign companies.
www.grfinc.com
H
Help-finance.com
Provider of corporate finance and investment banking services to small and medium sized companies, worldwide. Services include: venture capital, loans, factoring, M&A, IPO and reverse mergers.
www.help-finance.com
Provider of corporate finance and investment banking services to small and medium sized companies, worldwide. Services include: venture capital, loans, factoring, M&A, IPO and reverse mergers.
www.help-finance.com
Hitachi Credit America Corp.
Subsidiary of Hitachi Credit Corp., an independent, diversified leasing and financial institution. Services are divided up into four main categories: Vendor Finance, Fleet Services, Indirect Finance, and Asset Management.
www.hitachicreditamerica.com
Subsidiary of Hitachi Credit Corp., an independent, diversified leasing and financial institution. Services are divided up into four main categories: Vendor Finance, Fleet Services, Indirect Finance, and Asset Management.
www.hitachicreditamerica.com
I
National Assistance Finance Association
Provides business loans, commercial loans and asset based lines of credit.
www.inadnet.com
Provides business loans, commercial loans and asset based lines of credit.
www.inadnet.com
L
London Manhattan Company
Provides financial services, commercial financing and corporate refinancing in addition to international merchant banking, corporate restructuring, debt refinancing, and commercial lending.
www.londonmanhattan.net
Provides financial services, commercial financing and corporate refinancing in addition to international merchant banking, corporate restructuring, debt refinancing, and commercial lending.
www.londonmanhattan.net
M
Commercial Finance Group
Direct access provider of asset-based lending, equipment leasing and financial services, corporate credit, aircrafts and marine vessels finance, casino resort hotel financing, commercial mortgages, business and industrial loans, and high-level c...
www.mortgagebanking.com
Direct access provider of asset-based lending, equipment leasing and financial services, corporate credit, aircrafts and marine vessels finance, casino resort hotel financing, commercial mortgages, business and industrial loans, and high-level c...
www.mortgagebanking.com
N
Nunnery Financial
Financier of transportation and construction equipment, as well as other commercial loans.
www.nunnery.net
Financier of transportation and construction equipment, as well as other commercial loans.
www.nunnery.net
O
Omni Fidelity Credit Corporation
Provides financing for residential and commercial properties located within Texas. Also provides factoring, equipment leasing and other financial products.
www.omnifidelity.com
Provides financing for residential and commercial properties located within Texas. Also provides factoring, equipment leasing and other financial products.
www.omnifidelity.com
S
DGH Financial Services
Firm assists companies of all sizes expand by securing financing via the US government's Small Business Administration guaranteed loan program.
www.sba4you.com
Firm assists companies of all sizes expand by securing financing via the US government's Small Business Administration guaranteed loan program.
www.sba4you.com
Small Business Loan Source, Inc.
Nationally licensed, direct SBA (Small Business Administration) Non-Bank Lender.
www.sbls.com
Nationally licensed, direct SBA (Small Business Administration) Non-Bank Lender.
www.sbls.com
Money Resource International
Loan origination for small businesses, providing small business loans from specialized lenders.
www.small-business-loans.com
Loan origination for small businesses, providing small business loans from specialized lenders.
www.small-business-loans.com
SAS Group of Funding Companies
Ethics-in-business private source financing organization.
www.staffordassociates.com
Ethics-in-business private source financing organization.
www.staffordassociates.com
Berkman Financial Services
Works with lenders in the U.S. to arrange loans that fit clients' best interest from a rate and structure viewpoint.
www.storyloan.com
Works with lenders in the U.S. to arrange loans that fit clients' best interest from a rate and structure viewpoint.
www.storyloan.com
Sun Capital Inc.
National financial services organization featuring funding programs for small to multinational companies in various industries.
www.suncapitalinc.com
National financial services organization featuring funding programs for small to multinational companies in various industries.
www.suncapitalinc.com
T
Textron Financial Corporation
Diversified commercial financial services company. Has 17 divisions to service a wide variety of businesses and indutries.
www.tfc.textron.com
Diversified commercial financial services company. Has 17 divisions to service a wide variety of businesses and indutries.
www.tfc.textron.com
Transamerica Corporation
Provides business services such as commercial lending, leasing and life insurance & benefits.
www.transamerica.com
Provides business services such as commercial lending, leasing and life insurance & benefits.
www.transamerica.com
U
US Bancorp Leasing & Financial
Bank affiliated industrial finance company. . Transactions range in size from $15,000 to $50,000,000 and products range from traditional loans to a variety of lease oriented financing.
www.usbank.com
Bank affiliated industrial finance company. . Transactions range in size from $15,000 to $50,000,000 and products range from traditional loans to a variety of lease oriented financing.
www.usbank.com
V
ARJAN Commercial Loans
Provider of commercial loans on behalf of American Bank and American investors and/or European Financial Trust Company.
vvv.com
Provider of commercial loans on behalf of American Bank and American investors and/or European Financial Trust Company.
vvv.com
W
High Plains Financial
Obtains loans for small businesses, large corporations, developers, retailers and franchisers.
webnow.com
Obtains loans for small businesses, large corporations, developers, retailers and franchisers.
webnow.com
Western Technology Investment
Specialists in asset based financial services for start-up and emerging growth companies.
www.westerntech.com
Specialists in asset based financial services for start-up and emerging growth companies.
www.westerntech.com
Z
Zion Small Business Finance
Provides small businesses with funding and servicing of government guaranteed small business loans from $50,000 to $5,000,000.
www.zsbf.com
Provides small businesses with funding and servicing of government guaranteed small business loans from $50,000 to $5,000,000.
www.zsbf.com
Company Profiles – Click here to view
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HSBC Premier Mortgage
No lender fees - an average savings of $2,000 or more.
us.hsbc.com/PremierMortgage
No lender fees - an average savings of $2,000 or more.
us.hsbc.com/PremierMortgage
American General
Personal Loans Up to $10K. In Local Community for 85 years--Apply Now.
www.agfinance.com
Personal Loans Up to $10K. In Local Community for 85 years--Apply Now.
www.agfinance.com
Restaurant Loans
Low Doc, Easy, Fast Fundings Must be Open 6 Months: 866 702 4430
AdvanceRestaurantFinance.com
Low Doc, Easy, Fast Fundings Must be Open 6 Months: 866 702 4430
AdvanceRestaurantFinance.com
Guide to General Commercial Lenders
Need help financing your growth strategies? Investigate commercial loans
By Judy Artunian, Freelance Writer
Steps that can help you work more effectively with general commercial lenders:
1. Don’t guess how large your loan should be. Determine the amount you need as precisely as possible before you start shopping for commercial loans.
2. Even seasoned business owners can get tripped up by unexpected commercial lending fees and other costly surprises. To accurately compare general lending costs, ask prospective lenders for a quote that includes your total monthly payments, not just interest rates and fees.
3. Pay close attention to the lender’s deadlines, such as the final day for closing the loan. Ignoring important commercial lending deadlines can not only force you to wait longer for the financing you need, it can increase your interest rate.
Action Steps
The best contacts and resources to help you get it done
Contact general commercial lenders who provide the type of loan you need
Most general commercial lenders specialize in certain types of commercial loans. Among the most common: A purchase loan, in which the purchase you finance, such as a fleet of company cars, serves as collateral for the loan. A refinancing loan involves taking out a secured loan to replace your current loan, usually with the goal of lowering monthly payments. A short term bridge loan is taken out for a relatively brief period while longer-term financing is being arranged. A commercial second mortgage gives you a second loan of $50,000-$500,000 on your property, with a term of five to 10 years.
I recommend: The commercial lending firm GE Commercial Finance offers second lien loans that can be used for refinancing. Fort Ashford specializes in secured bridge loans for small and medium-sized businesses. CommercialDirect provides commercial second mortgages from $50,000-$500,000.
Double check general commercial lending loan term options
Terms for commercial loans vary. Make sure you can meet the terms before you sign on the dotted line. General commercial lending terms can include requirements that borrowers be in business for a minimum number of years. Advantageous terms to look for in commercial loans include no balloon payment, no penalty for early repayment and no collateral required (also called an unsecured loan).
I recommend: Offerings from Beehive Commercial Lending include 20- and 30-year loans with no balloon payment. Nationwide Unsecured features unsecured, “no-collateral” loans.
Too many general commercial lenders but too little time? A broker can help
Commercial lending brokers can help you find the lender for your needs. Brokers charge a fee, but it can pay off since many provide other services, such as advising you on how to increase your chances of getting a loan approved.
I recommend: If you want to refinance a mortgage, get free quotes from The-Best-Mortgage-Rate.com. Principle Commercial Corporation handles a slate of commercial loans, including bridge loans and purchase loans. FundingUniverse operates more like an online matchmaking service than a traditional general lending broker. You get help honing your business plan, then your plan is made available to FundingUniverse’s “invite-only” network of lenders and investors.
Tips & Tactics
Helpful advice for making the most of this Guide
- • Don't let rising costs of commercial loans take you by surprise. Ask general commercial lenders to put a cap on legal fees and other expenses associated with the loan. Also, be sure to lock in your interest rate.
- • Before signing on the dotted line with general commercial lenders or brokers, ask them to provide references, including companies that are in your industry, if possible.
- • Be confident that you can repay the commercial loans you're considering. For example, the repayment rates for a commercial second mortgage will not only be higher than those for your first loan, but will be due on a shorter term.
