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.

Loan Agreement

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A loan agreement is in place when a lender makes the decision to fund your purchase. Many states refer to this process as signing loan doc’s and this is true whether the documents are for a commercial or a residential agreement.

If the deal is residential there is in place a federal mandate called Regulation Z, or reg Z for short. In this regulation are many disclosures in place to protect consumers from fraud and abuse. Information about the interest rates and adjustments are chiefly the focus, but also information involving agency and which entity is receiving commissions is part of this.

Commercial loans don’t have Reg Z protections and the theory is that investment borrowers are more savvy than residential borrowers. Still, disclosures about points, information about fees and how much of your loan is consumed by commissions is all part of commercial loan agreements. If you are unsure about what you are signing, consult an attorney for legal advice.

Tags: commercial real estate loans, 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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