Commercial Real Estate Loans

CMA Capital Funding Inc offers a complete selection of commercial real estate loans to meet the individual borrowing needs and investment objectives of our borrowers, for both investment and owner-occupied commercial properties.

Unique Loans For Unique Properties

Our loans start at $100k, an amount most lenders won't look at. But we're different! Flexibility is the key with us. We offer a variety of commercial loans , some with less restrictive underwriting guidelines, higher LTVs, and 25 or 30 year terms.

Bad Credit Loan

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A bad credit loan is a loan with higher interest rates because the lender is at greater risk of default. If you are purchasing real estate and shopping for a loan, it might be better to raise your credit score first otherwise your rates might be too high, something you can’t afford in today’s tight market.

Credit is everything in commercial real estate financing. Gone are the days when you just needed equity. In those days everyone was betting values would climb and vacancies would stay low. Now, lenders are taking a more conservative approach to their lending practices and many are demanding credit scores above 700. This is in addition to 40% equity positions.

An owner occupied property has a much better chance of getting funded than an investment property. Why? the reason is that the lender has greater confidence that the borrower has more skin in the game. This means a business owner who occupies his property is far less likely to walk away from the investment than an absentee owner. This is obvious, the business owner has more at stake. If he walks his business is normally in trouble too.

Tags: business commercial loan, commercial real estate loans.

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TYPES OF LENDERS

Banks

Usually a good overall source of lending, but dealing with them is tricky. You must be able to match up the type of property and the amount of financing compatible with the bank’s wishes. Large amounts, small financing, big town, small city, banks assets, standards and lending history.

Conduits

Commercial mortgage backed securities are excellent choices for shopping loans, but they are very strict and only want the cream of the crop properties.

Life Insurance Companies

Normally a tough sell, but great interest rates if you can get them to agree to your loan request. Stricter than Conduit’s, they want the best deals involving the best properties. They have lower and strict LTV ratio’s, usually lower than bank requirements.

REIT

A lot of negative publicity has mostly closed down many of these investment groups, but a few are still operating and can be a very good source for financing deals that fit their portfolio.

Hard Money

Once a stigma for bad credit and desperate borrowers, Hard Money Lenders use the wealth of investors, trusts and private individuals to make loans at higher than average returns. As the market tightens up, these guys can be valuable if you are looking for short term or bridge financing.

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