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As a commercial borrower, you need a
specialist, trained and experienced at negotiating the fine points of commercial
loans to represent you and insure that the terms and conditions of your loan are
the best possible ones for your situation. Capital Finance provides that specialized expertise
based upon years of experience negotiating from an insider's perspective to
insure you get a fair shake. In the same way that companies or investors
hire their own insurance adjustor to maximize recoveries from an insurance
company after an insured loss or hire an attorney to negotiate a settlement in a
business dispute, Capital Finance represents you and only you in commercial loan
negotiations.
Just as the private insurance
adjustor or your attorney make certain you get all you are entitled to based
upon their experience and intimate knowledge of customs, practices and relative
strength of your position; Capital Finance maximizes your competitive
advantages, using our years of experience as an insider, to get you the best
possible loan.
Do you know what a Yield Spread
Premium is and who gets the benefit of it? What is the added interest cost
of extra Float Days in a contract for commercial finance? What is the
potential cost of a Yield Maintenance provision in a commercial mortgage?
The market for commercial loans has changed considerably in the past couple of
years to favor borrowers. Unless you have Capital Finance representing
your interests, you probably paid too much!
You frequently hear mortgage
companies carping about being a direct lender and how this can save you money on
broker fees and points. The plain fact is that a Mortgage Broker can usually
beat a direct lender's rates and terms! How, you ask? As a mortgage
broker, we have access to hundreds of lenders with literally millions of
products, programs, rates, and special financing deals. We find the lender with
the lowest rates and terms based on your individual needs. Direct lenders often
have limited products and poorly trained clerks who try to "plug" you into the
"cookie cutter" product, regardless of whether or not it's the best for you.
With Capital Finance, you have a partner who helps you to find a great deal
every time. A report from the Georgetown University Credit Research Center
said brokers' customers have a lower annual percentage rate, on average, than
bank customers. Even sub-prime borrowers that used a mortgage broker paid
lower APRs "than borrowers obtaining sub-prime mortgages from creditors."
Read our report,
"Why Use A Commercial Loan Broker?"
We maintain special expertise in the
following areas. Click on one of the buttons below or any of the underlined titles to get more details
about specific types of loans.
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Commercial Real Estate Finance
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- We locate and negotiate the best
possible terms on commercial real estate loans based upon our relationships
with lenders and a database of over 600 commercial lenders. Our only
goal is to get you the best available rate and terms.
- SBA
Loans
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- SBA loans can be exceptionally
attractive for borrowers in certain circumstances. Most people reject
the offer of an SBA loan out of hand because of myths, misconceptions or
stories they have heard which are based upon false premises. The truth
is SBA loans can give you more money, at a cheaper rate of interest and for
a longer term than most commercial loans. Capital Finance takes the
mystery and headaches out of getting an SBA loan. Take a look at our
"Guide to SBA Loans"
for answers to most of the common questions and
then let Capital Finance help you get the right deal.
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Accounts Receivable/Inventory/Purchase
Order Finance/Factoring
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- If your business is growing faster
than your capital or you experience strong seasonal sales Capital Finance
can structure a package of loan types, including financing accounts
receivable, inventory and purchase orders, specifically designed to meet
your needs. Structured and negotiated properly, asset based finance
can be more cost-effective than an ordinary bank loan. Collectively
known as "commercial finance" , these techniques can be complicated
and use of the wrong type or improperly negotiated can result in unnecessary
cost.
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Equipment
Leasing
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- If you need equipment for your
business to grow but don't have the needed capital, if you can't take
advantages of the tax benefits that equipment ownership brings or if you
simply need to preserve your working capital position to support current
asset growth, equipment leasing may be for you. Call us or visit our
leasing page for an explanation of what is best for your business or to
review our "Leasing Guidelines."
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Renegotiating Debt
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- Sometimes lending arrangements need
to be adjusted. Perhaps because the borrower's situation has improved
from where it was when the credit arrangements were originally set, industry
customs, competition, economic conditions or the nature of the business has
been altered or the business has suffered a setback dictate that changes
must be made to borrowing agreements. There is no business in the
world that has everything proceed exactly according to plans. Even
great businesses occasionally hit a "bump in the road." Knowing what
your lender can and cannot do and how to accomplish the changes you need to
get back on plan are the key. Our years of experience "on the inside"
make successful renegotiation of debt possible.
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Complex Structured Financial
Transactions
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- Complex structured finance
transactions are innovative financing techniques creating customized
financing products to suit the financial needs of customers. These
transactions have experienced dramatic growth in recent years, and have
become increasingly more complex. When used appropriately, they can add
positive contributions to risk management and to the welfare of the
borrower's overall financial and economic development. They may diversify
risks, allocate cash flows, or reduce costs.
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