Why CMA Capital Funding

hen looking for a commercial real estate loan it’s important to apply to the right lender. But who is the right lender?

If you have a small rental property in a small town, you aren’t going to have any success applying for a loan with a lender who specializes in shopping centers.

Likewise, if you want to purchase a strip mall, your bank might not be the best place to look for financing. Every lender has a niche and this concept is even more important in today’s economic climate. This is why commercial loan broker can be a valuable service to you. With contacts all over the world, the right loan broker knows exactly who is loaning right now and where your loan fits.

Don’t be disgruntled with your local bank because they deny your loan request. All banks will gladly make you comfortable if you have a good depositor relationship, but lending is a different story. Even with A+ credit, banks will not loan on projects outside their sphere of expertise.

Another reason to shop your loan, but if you’re like most investors and business owners, you don’t have time or any idea where or how to shop a loan for your commercial needs. That’s why you need a commercial loan broker. Someone who has business experience. Someone who understands the needs of business owners and investors.

Expert in credit matters, CMA Capital Funding has an excellent reputation in the field of commercial finance and will give you the careful attention you’re going to need while navigating through the world of finances. No matter what type of loan you are looking for, we can help you to match up your requirements with one of several types of lenders.

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Investors and property owners need money to stay in business. If you are searching for a loan for your commercial building start out with your local bank. Most have a division that provide commercial financing, but if you are looking for fixed rate financing, you’re going to be in for a surprise. Remember, banks, like everyone else specialize and if you are turned down for a low interest commercial loan, don’t take it personal. Just because you have a banking relationship doesn’t mean you are a shoe in for loan approval.

If your industrial, commercial or residential property doesn’t fall under the parameters of what the bank can lend on, your likely to get declined for your loan request. You have to know where to go to look for commercial financing.

Are you shopping a commercial loan with a residential loan broker? Big mistake…Most property owners and commercial investors don’t know where to go to look for money.

If you’re looking for a loan for an apartment building, you can’t go to a small S&L because they usually don’t loan on these types of properties. And, you should also know that most lenders won’t give you a loan with no points. Where do you start? The obvious place is with your local bank. If you have a banking relationship locally, try to speak to the banking officer.

Commercial loans in California have especially taken a hit during this last economic downturn. All of a sudden. Cheap money is a thing of the past. In fact, low interest commercial loans are drying up and investors have been scrambling to locate money for their business.

Many have turned to Hard Money Loans, which are short term, high interest loans meant to get you over the hurdle. They are typically two year, interest only loans with higher than average interest rates. Sometimes, you have no other choice but to apply for this type of commercial loan. The good news is that they are pretty easy to qualify for and are not normally credit driven, but require very high equity in your properties.