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COMMERCIAL
LENDING
Offers commercial real estate loans
from $500,000 to $50 million on most
commercial property types.
Owner Occupied
Office/ Office Condo Automotive
Retail Assisted Living
Warehouse Day Care
Mixed Use Funeral Home
Hotel Convenience Store – no fuel
Restaurant Dry Cleaners
Light Industrial Construction Financing
Medical Office Church
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Other properties considered
Investment
Office/ Office Condo Retail
Strip Center Warehouse/Distribution
Multi-Family Light Industrial
Mixed Use Retail Triple Net Credit Tenant
Specialty Programs
•Trust
•Joint Venture
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Other properties considered call for details
Direct relationships with privately held funds
Specializing in alternative financing for non-bankable commercial transactions throughout the United States
Functioning as a national clearinghouse, representing non-traditional money sources specifically geared to fund troubled or growing companies
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Generally non-bank lenders
Providing financing to companies and individuals seeking commercial financing who cannot obtain adequate capital to grow or run their business
Principal has worked on of difficult cases over a decade (including Chapter 11 situations as well as developmental stage companies needing debt financing) involving hundreds of millions of dollars in financing
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Any company or individual that is unable to secure commercial financing through traditional sources
Particularly if funding needs are immediate
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Developmental stage companies
Companies with historical and/or current losses
Companies with negative net worth or tax liens
Companies in Chapter 11, healthy companies that need a more aggressive lender who will provide a larger credit facility, and companies where the principals have poor credit
Individuals who have poor credit or limited capital to make an acquisition of a commercial property or operating business
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Borrower Documents – Collected by CLO Team Leader
• 3 years Personal & Business Tax Returns
• P & L on Existing Businesses
• Personal & Business Financial Statement
• Purchase Agreement or Rent Rolls, if applicable
Credit Report – Ordered by CLO Team Leader
• Approximately $35
TURNAROUND TIME: Approximately 45 days or sooner
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Executive Summary – average 5-7 pages
Appraisals
• Fee approximately $1,000
• Turnaround Time – 2 – 3 weeks
Environmental Study – if necessary
Upfront fees - determined by nature of loan;
credited at closing
Closing Costs - All Borrower Monies remitted by Wiring
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Issuance of Lender Conditional Approval
Upfront Fees Determined at This Time
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Commission based on Origination Fee
Net Commission =
50 Basis Points
Rev. 6-17-09 12
REAL FINANCE SOLUTIONS = Net Commission X 10%
RFS Consultant = Net Commission X 70%
Manager = Net Commission X 10%
Regional Manager = Net Commission X 6%
National Manager = Net Commission X 4%
Rev. 6-17-09 13
Loan Amount $1,000,000
RFS Commission x 50 basis points
Net Commission $5,000
REAL FINANCE SOLUTIONS @10% $ 500
TEAM Commissions
RFS Consultant @ 70% $3,500
Manager @ 10% $ 500
Regional Manager @ 6% $ 300
National Manager @ 4% $ 200
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