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Commercial Loans
 

 
 

Commercial Loans

A commercial loan is a  formal agreement in which a lender provides a borrower with funds for a stated purpose, and which is backed by the full faith and credit of the borrower. Loans may be secured by the particular asset being purchased, or with additional assets of the company (i.e., accounts receivables, property, other tangible assets, etc.).

Commercial loans represent two important sources of short-term financing. Businesses, for example, in need of additional inventory to complete existing orders will frequently bolster immediate cash flow with a commercial loan. The loan will be based on the credit worthiness of the business and/or owner and the prime lending rate.

Loan to Value
Commercial investment properties are viewed more conservatively as compare to residential lending, Most lenders will require a minimum of 20% of the purchase price to be paid by the buyer. The remaining 80% can be in the form of a mortgage provided by either bank or mortgage company. What a bank/lender will do is subject to their appetite and the quality of the buyer and the property. Loan to value is the percentage calculation of the loan amount divided by purchase price. 

Credit Worthiness

Businesses less than three years old, a personal credit of principals will be evaluated. For corporations, business performance and credit ratings will be evaluated with a proven track record.

 



 

 

 

 

 

 

 

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