COMMERCIAL LOANS

We focus on the getting our clients into the best loans for their commercial needs.  We structure our loans to benefit our customers, by considering all the elements that will affect their bottom line.  We look at the over all structure of the deal; closing time frame, the payment, goals, and the return on investment. 

 We make a commitment to work hard to help you become a satisfied commercial buyer!

EMERALD CITY LENDING GROUP COMMERCIAL LENDING:

As a Net Branch of Commercial Capital Ltd., we are proud to offer commercial financing through 78 specialized lenders.  We offer programs for niche projects and purchases that most lenders are unable to match. Here are a few:

 New Niche Markets:

  ** 100% financing for professionals (doctors, lawyers, architects etc.)

  ** Factoring

  ** Small balance commercial-with credit to 570/ stated income

  ** 90% financing of approved franchise purchases with reduced reserves

Multi-family Units:

  ** Great rates with No Doc requirements

  ** Alt-A credit on deals that make sense

  ** Purchases from $1mil - $100mil

Main Line Properties (not Multi-Family):

   (Office, Mixed Use, Retail, Warehouse, Self-Storage, Mobile Home Parks)

  ** Stated Income

  ** Great rates $100K-$100mil

  ** Alt-A credit on deals that make sense

Special Purpose Properties:

   (Hotels, Motels, Gas Stations, Convenience Stores, Restaurants, Daycare Centers,

    Assisted Living Facilities, Dry Cleaners, Funeral Homes, etc.)

  ** Up to $10mil

  ** Flagged Hotels to $100mil

SBA Loans:

   ** Standard SBA requirements

Stated Income:

   ** Investors to 80% LTV

   ** Small balance (to $1mil) stated with poor credit on make sense projects

   ** Odd properties

    ** Investor stated income

·         80% LTV on purchases up to $1.5mil (mid FICO 680)

·         70% LTV on purchases up to $1.75mil (mid FICO 660)

·         60% LTV on purchases up to $2.0mil (mid FICO 660)

·         65% LTV on cash-out refi up to $1.75mil or 60% up to $2.0mil on 660 FICO

Churches

   ** 3 X Tithes on 75% LTV (up to $5mil)

   ** 4 X Tithes up to 80% LTV

Non-Recourse

   ** All size $200K-$5mil +

Sub-Prime

   ** Land Deals

   ** Commercial Deals

   ** Odd Deals