Programs

Commercial Financing

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Property Types:

Apartment Building, Multi-Family, Office Building, Business Park, Condo Conversion, Mobile Home Parks, Retail, Mixed Use, Warehouse, Industrial, Storage Facility, Gas Station, Convenience Store, Automotive, Car Wash, Pre-School and Daycare Center, Restaurant, Church Real Estate & School Expansion Land, Engineering and Infrastructure, Construction, Planned Unit Development, Subdivision, Shopping Center, Strip Mall.

Transaction Types: Acquisition, Refinance, Owner Occupancy, Investment, Recourse/Principal guarantee, Individual, Corporation.

Construction Financing

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Purchase Rehab: Rehab projects for Single Family Residence, Duplex, Triplex, Fourplex, Manufactured Home, Modular, Row House.

Ground-up Construction: Construction projects for Single Family Residence, Duplex, Triplex, Fourplex, Manufactured Home, Modular, Row House.

Land Acquisition and Commercial Development: Land Infrastructure, Entitlement, Horizontal Development.

Commercial Construction and Development: Vertical Development, Mixed Use Commercial, Retail, Shopping Center, Apartment, MultiFamily, Mobile Home Parks, Warehouse, Industrial, Storage Facility.

Commercial Construction Rehab and Renovation: Apartment, Multi-Family, Mixed Use, Retail, Warehouse, Industrial, Storage Facility.

Special Purpose Construction and Development: Hotel, Motel, Hospital, Assisted Living Care, Senior Housing, Resort Development, Golf Course Community, Planned Unit Development.

Transaction Types: Acquisition, Refinance, Construction, Rehab, Investment, Individual, Corporation.

Private Financing

Bridge Loan, short term note: 3-6-12 months note, interest only, no prepayment penalty with Strong Exit Repayment Plan

Commercial Income Producing Properties: Apartment Building, MultiFamily, Office Building, Office Condo, Mixed Use, Retail, Warehouse, Industrial, Storage Facility

Special Purpose: Gas Station & Convenience Store, Automotive, Car Wash, Pre-school and Daycare Center

Rehab and Construction Spec Financing: Up to 70% of After Repaired Value or 'Completed' appraised value, 6 months to 1 year term, sales proceeds as exit repayment plan, Purchase Rehab, Ground-up Construction, or Construction completion

Non-owner Occupied, Investment Residential: 65% Loan to Value, equity based financing, borrower's ability to carry debt, strong exit repayment plan, 6 months to 1 year term.

Land Acquisition, Entitlement and Development: 50% Loan to Value based on "AS IS" or "Quick Sale" value, engineering, architectural plans, entitlement, Vertical Construction loan take out as exit repayment plan

Joint Venture and Equity Partnership: Investing wth a group of investors primarily for a commercial acquisition and development project with expected high returns.

Small Business Financing

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Specialty Programs:
• Real Estate Acquisition
• Business Debt Refinance
• Business Acquisition and Franchise Start up - all Industry Types
• Business Expansion
• Unsecured Working Capital
• Business Line of Credit
• Business Equipment Financing or Leasing
• Merger and Acquisition
• Venture Capital

Conventional Business Loans: Conventional Business loan programs do not involve the SBA and are available up to $3,000,000. Higher Capital from $5M to $50M available for large corporations.

Investment Properties: Office Condo, Mixed Use, Retail, Multi-Family, Apartment. Specially designed for small business owners to acquire income producing properties. Acquisition, refinance and cash out available.

SBA: SBA 7a Program: widely used, loans are available up to $2,000,000 and may be used for any business purpose. SBA 504 Program: a long term financing option for the purchase of long term assets such as owner-user commercial real estate or heavy machinery and equipment.

Factoring Invoices: More details Improve business cash flow by turning accounts receivable into cash. Non-recourse factoring available, account debtors (customers of small business) are notified to pay lender directly while the credit risk of non payment is assumed by lender.

Healthcare Financing

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Commercial Real Estate Financing: Community Hospitals, Mission Hospitals, Medical Office Building, Doctors & Medical Professionals Office Condo. Approved medical professions include, but not limited to, doctors, dentists, veterinarian, urgent care, surgical centers. Rates are based on Prime + Margin. Must be in business for 2 years.

Practice Acquisition and Practice Start-up Financing: Practice acquisition and practice start-up financing for medical professionals. Practice must be privately owned and operated for profit. Working Capital available.

Medical Equipment Financing or Leasing: Equipment financing or leasing serve an important aspect of a medical practice. 2 years in business experience is required. Practice must be privately owned and operated for profit.

Business Line of Credit: To ensure effective operations and stress-free capital flow, business credit line is available for medical professionals to continuously expand and grow. Business assets are reviewed to secure a business credit line. Strong credit qualification and minimum 2 years in business.

Unsecured Working Capital: Unsecured credit line is an excellent solution for medical professionals who don't want to pledge any real estate collateral or business assets. 680-700+ credit requirement and business must be registered in state for 2 years.

Senior Housing, Assisted Living Acquisition, Refinance, Construction Rehab: Senior housing is composed of 2 industries such as skilled nursing and rental housing for the elderly. Services include assisted living, independent/congregate living and skilled nursing. Financing programs are available for acquisition, refinance and construction rehab for facility expansion.