Commercial Loans

While we offer the most competitive financing products from institutional lenders for commercial properties, we also have access to private investors and hard money lenders.

Our specialty is with financing difficult projects. Transactions that banks and conventional lenders won't approve due to issues with the real estate, borrower, business, or other problems.

Need some examples of how we're different?

Limited Time Commercial Loan Special Offer

100% Loan Offering

This is a system setup by a Private Investor. A top bank is ready to be the Escrow and corresponding bank for the whole transaction. Minimum loan amount is $1 Million USD, NO MAX LIMIT.

Preparation

Borrower will need to provide the following document(s)

LOI (Letter of Intent), Signed and Stamped.
CIS (Client Information Sheet), Signed and Stamped.
Borrower Passport Copy in Color, Signed.
Business Proposal or Project Proposal.
Ready cash equal to 4% of the total borrowing amount.

Engagement of Loan Facilitator

Borrower will sign a contract with Facilitator, and appoint us as the loan facilitator for this loan transaction process
Borrower will pay a facilitator fee of 5% of the total borrowing amount.

Process Overview

Client submits their project with an LOI.
Client will get the term sheet, after it is signed and returned.
Then a service agreement is sent. Sign and return it.
Client wires application & legal fee to Underwriting.
An approval to fund letter from lender is sent 3 banking days later or the application & legal fee will be returned if not approved.
Client then signs and returns it.
Once client signs the service agreement loan documents are sent to client within 5 banking days.
Client signs those and wires 4% to escrow.
Conference call takes place with investor group and client.
Then 100% LTV loan proceeds are wired in 15 banking days to client.

Process Details

There is a $15,000 application and legal fee for projects within the US.
All projects must have on site visit along with meeting all project owner/owners. If project is outside of the United States there will be a $40,000 application and legal fee.
Borrower will submit all required documents mentioned above.
Borrower will need sign and agreed to Loan Facilitator Contract, nothing will move forward until we received these documents.
Document(s) will be submit to bank for review and approval.
Process takes estimate of 3 banking days.
If your case is approved, bank will revert with Confirmation Notification, Loan Contract, and Escrow Payment Procedure.
This document will need to be sign by both parties, Lender and Borrower.
Once loan contract is signed by both parties, Borrower will now deposit the cash funding equivalent of 4% of the total borrowing sum into the bank escrow system.
A 5% facilitator's fee is taken at closing as per agreed.
The escrow payment is REFUNDABLE, in the case if the loan transaction does not fulfill.
The Bank will verify the Escrow payment, and now preparing the loan funding.
Within 15 banking days, you will be able to cash out the 100% of the loan sum.
The facilitator fee of 5% will be release the same time the loan proceeds are accepted by the borrower.
If your loan is for less than $100M you will receive a letter from the lender of your approval however you will be able to verify that a loan is being process in your name with the bank.
If your funding amount is $100M or greater you approval to fund your project letter will come directly from the bank.

Most lenders look for ways to kill deals. We look for ways to make them happen.

We offer access to both traditional (institutional) and private (hard money) investor loans typically peak at 65% loan-to-value. We offer an loan product that increase the limit to 80%, and with a seller carry-back, up to 90% loan-to-value.

Need to borrow more than any other commercial lender will allow? We have a Letter of Credit Financing product than enables us to offer loans with LTVs or loan amounts that most Hard Money loans can't compare.

If your loan note has been called, or the rate review has increased your payments to an intolerable level, we can consult with you on possible courses of action. Perhaps prescribing an alternative loan program, or perhaps an alternative solution.

You may be looking at an expansion. If so, we also do construction loans, construction-to-perm loans, mezzanine financing, and offer many other financing solutions.

Every commercial financing situation is unique. And complex. That's the nature of the beast. We'll review your project, discuss your specific needs with you, and create a custom program to suit your needs.

Use our handy Loan Application to apply today.

You may qualify to become a Commercial Financing Referral Partner.

For help with residential mortgages, visit www.lightning-mortgage.com.

This Web site is not intended as a solicitation to customers in any jurisdiction in which we are not authorized to operate. We are not Certified Financial Advisors, Securities Brokers or Stock Brokers. We are business consultants and intermediaries who provide advice to private individuals on or about business matters.