We provide FUNDS FAST AND CHARGE NO UPFRONT FEES, #1 LOAN PLACEMENT FIRM... OUR GROUP HAS THE $$$$ TO FUND VIABLE PROJECTS
OUR NEW PROGRAMS AND GUIDELINES HAS LESS RED TAPE AND BROKER FRIENDLY
Fast Hard Money Loans, Commercial Lending, Short Term Mortgages and Private Money Financing on real estate property with competitive credit rates and easy terms for purchase and refinance. With over 75 years of combined experience
in underwriting, originating and acquiring secured loans, Our company possesses extensive expertise necessary to competently assist you with all your Commercial and Hard Money Lending needs.
Hot Loan Programs at CCE:
(A) Joint Venture, Equity. loan amounts from $1,000,000 to $50,000,000. (10
days closing) LTV: 100%.
(B) Private Conventional Loans: LTV: 80%, RATE: 6%. Points: 6,
Closing: 45 days. Nationwide.
(C) Energy, Oil, Gold Mine, In ground, and Minerals
(D) Stock Loans
(E) Sports Contract loans (NBA,NFL,MLB,NHL)
(F) Joint Venture Private placement
(G) Lines of Credit
(H) SBA Loans and FHA loans, Land Loans.
(I) Construction Loans, up to 70% of Completed Value, Bridge: 3-5
years, Points: 6, loan amount: $500,000-$350,000,000.
Requirements for submission:
Executive Summary
Commercial Hard Money Loan Program Highlights
Traditional banks and funding institutions simply cannot offer such
innovative and flexible programs. Typically other banks will take 90-120
days to close, offering lower LTVs, and have more stringent credit
score requirements. Knowing all of this, why would you go anywhere
else but with us.
Hard Money Loan financing to $200k to 535 million +, High LTVs.
True equity based lending. No income check available.
ALL PROPERTY TYPES - COMMERCIAL, INVESTOR - RESIDENTIAL, SUPER JUMBO
$200,000 to $535,000,000
Nationwide - All 50 States
Bad credit OK when applying for a Hard Money Mortgage Loan with us
All situations considered including bankruptcy, foreclosure
24 Hour Approvals / Emergency Mortgage Closings
Our Hard Money Mortgage Loan Program is designed for quick closings
Hard Money Bridge Loan rates range from 10%-16% with LTVs up to 75%
Our Hard Money Mortgage Loans are based on actual property/project value
Asset Based Loan Approvals for all our Hard Money Mortgage Loans
Updated Appraisal Ok - IMMEDIATE SITE VISITS
_________________________
HOT SMALL BUSINESS LOANS WITH our COMMERCIAL EQUITY
1. Franchised restaurants at 80% and start up franchised at 75%, non-franchised at 75% and non-franchised start-up is at 75% but has to have real estate or collateral to cover 100% of the loan
2. Existing Gas Station/C-Store/Car wash is at 75% LTV or 75% LTC
3. Startup Gas Station/C-store/Car wash is at 70% LTV or 70% LTC
4. Motels/Hospitality Lending - franchised/flagged - is at 80% LTV or LTC up to $2MM and over $2MM to $5MM it is at 75% LTV or LTC.
5. Independent motels/hotels/bed & breakfast will not be considered unless they are in resort type locations or in known tourist locations.
6. Of course if someone is trying to buy a business, do a partner buyout, etc I can do those as well.
Hard Money Bridge Loans
Bridge Loan financing to $200k to 535 million +, High LTVs.
True equity based lending. No income check available.
ALL PROPERTY TYPES - COMMERCIAL, INVESTOR -
$200,000 to $235,000,000
Nationwide - All 50 States
Bad credit OK for all our Bridge Mortgage Loans
All situations considered including bankruptcy, foreclosure
24 Hour Approvals / Emergency Mortgage Closings
Our Bridge Mortgage Loan Programs are designed for Quick Closings
Standard Bridge Loan rates are from 10.99 -14.00% - LTVs to 70%
Our Hard Money Bridge Loan rates are from 10%-16% - LTVs to 70%
Our Bridge Mortgage Loans are based on actual property/project value
Updated Appraisal Ok - IMMEDIATE SITE VISITS
_________________________________Hard Money Loans, 100% Funding, Nationwide,
3 weeks funding. Rates: 9-13%, Loan amounts:
$10 mil $100 Million. Must have 10% liquid
assets of requested loan amount.
Submit Executive Summary,
The loan program requires the pledging of commercial real estate collateral as primary collateral, as well as a 1
(one) year of pre-paid interest remitted by The Borrower to The Lender’s attorney’s escrow account after the execution
of the Loan Commitment. All terms are subject to change at any time and are contingent upon a full underwriting
review by Lender on each loan transaction.
Loan Term Highlights:
recourse
1 year term w/ extension options up to 3 years
9.0% - 13.0% interest only loan
Broker’s can charge up to 1.0% YSP (1.0% rate add-on, equals 1.0% rebate to the broker) Additional points outside
escrow ok.
0.0%-3.0% Lender points
No prepayment penalty
All loans carry an interest reserve for the term period
Existing current 3rd party reports accepted
Close in 3 weeks or less
Loan amounts per funding up to $50,000,000.00
All fees, points, loan costs, and interest are financed and paid by borrower at loan exit, or initial term end if extended
Procedures:
1. The Borrower submits a full due diligence package to The Lender.
2. The Lender reviews and issues a firm Loan Commitment subject only to the establishment of 1 (one) year of pre-
paid interest deposited in The Lender’s attorney’s escrow account. (24-72 hours)
3. The Borrower reviews and executes the Lender Loan Commitment and is issued by The Lender an escrow
agreement from their attorney’s law firm - a bonded and insured United States law firm specializing in commercial
loan transactions of this type and is familiar with The Lender’s procedures and process. (24 hours)
4. The Borrower reviews and executes the escrow agreement and remits the 1 (one) year of pre-paid interest to The
Lender’s attorney’s escrow account.
5. The Lender’s attorney and escrow agent serves as closing agent and/or coordinateness with borrower’s closing
attorney. The Lender funds the transaction. (7 – 14 business banking days)
Notes:
The 1 (one) year of pre-paid loan interest in calculated on an interest only basis by multiplying the loan interest rate by
the gross loan amount. The deposit of the pre-paid interest into The Lender’s attorney’s escrow account is the
responsibility of The Borrower, is a non-negotiable requirement for the loan, and is payable within 24 hours after
execution of The Lender Loan Commitment.
Minimum loan amount is $10,000,000.00.
Dollar figure of the pre-paid interest put up by The Borrower can be added onto the loan amount and reimbursed at
funding as long as the credit profile of the loan request supports it.
Lender reserves the right to fund each transaction in multiple tranches or per a mutually agreeable draw schedule.
Depending on the final loan size and structure there may be additional back end costs associated with the loan
transaction and are the responsibility of the borrower and will be added on to loan principal for payment at loan exit or
term expiration (all costs will be itemized on the final closing statement for the borrower’s review
Our unique lending program has made us one of the fastest growing direct, private lenders in the country.
Why Go with us?
Fast Processing Time
L.O.I WITHIN 72 hours
No Commitment Fees
No Application or
Up-Front Fees
No Defeasance or Yield
Maint.
Industry Low Fixed-Rates
Interest Only Payments
Streamlined Loan Process
Non & Limited Recourse
Available
Reduced or No Impounds
Cash Out Refinances
FROM 80%-100% LTV
Seller Concession and
2nds OKProperty Types
We Can Provide Financing For A Wide Variety Of Properties.
Use the expertise of Principle Commercial Mortgage Consultants to determine the proper
loan for your commercial property – and take advantage of the simplicity and speed of our
programs to simplify their financing. Eligible properties include:
Automotive Services – Everything from auto repair facilities to retail auto shops and auto
part supply stores.
Health Care - All Assisted Living or Nursing Home types of operations where a license is
required to operate the business.
Hotels/Motels - With our vast industry knowledge and expertise, we understand the non-
flagged world of hotels and motels better than most lenders. Our valuation assumptions
are based on facts relative to the specific property.
Multi-Family Housing - We fund residential structures that contain five or more dwelling
units in the same building. These multi-story buildings generally offer individual
apartments for rent with common area facilities, such as an entrance, lobby, elevator,
stairs, hallway, walks, or grounds.
Mixed Use/Apartment Buildings - These properties integrate residential spaces with
commercial uses, such as retail or office space. They often have a ground floor retail store
or office with apartment(s) above, all in the same building.
Restaurants - We provide competitively priced financing for a wide range of properties,
including owner-occupied and leased facilities as well as fast-food and full-service
restaurants in neighborhood or urban settings.
Retail/Office Buildings Designed for retail or office sales and display, this category
includes stand-alone buildings such as offices, supermarkets, convenience stores, drug
stores, department stores, bakeries, and beauty shops – as well as strip malls, and
neighborhood and community shopping centers.
Self-Storage Facilities - Now one of the most competitive building classes in the country,
these facilities are designed primarily for storage. This category also includes cold
storage, RV and boat storage facilities, and truck terminals (transit facilities).
Special Purpose/Unique Properties – We will consider all
commercial and unique properties that fall within our program guidelines and loan
amount ranges, including business condos/PUDs/co-ops, campgrounds, churches, day
care and educational facilities, funeral homes, golf courses, land (Acquisition &
Development), marinas/dockominiums, mobile and trailer home parks, outdoor
entertainment centers and parking garages.
Warehouses/Light Industrial Properties - Single and multi-tenant facilities that are used
for warehousing, light manufacturing, distribution, or research and development. Does not
include buildings where heavy manufacturing or specialized industrial operations such as
welding occur.
Other Services
Condominium sales with re-lease prices and prepayment options.
Joint venture capabilities and mezzanine financing structure.
Commercial real estate loans for acquisition or construction financing for the renovation of
an existing building for a new use (i.e. office to residential).
Acquisition and leasing of a partially or entirely vacant building in order to reposition the
property within a given market.
Hard money real estate loans for financing a property that is currently in foreclosure.
Opportunistic deals such as the purchase of mortgages either performing or non-
performing.
Time of the essence deals that must close in as little as 48 hours.
All types of Second mortgages.
Participating mortgages (equity & debt) which provide up to 90% financing.
The repurchase of debt by an owner at par or at a discount.
Financing for a property that is currently in bankruptcy.
Bridge, Mezzanine, Hedge Funds, Long Term, and Line of Credit
Loan Programs
Advantages of our property
mortgage finance program
include:
LTV’s up to 85%
Fixed rates up to 30 years on
commercial mortgages
Flexible amortization terms
Potential for non-recourse loans
Low/no pre-pay penalties
Financing for non-conventional
properties
Potential for assumable
financing on commercial
property mortgages
Retail Properties
65%
80%
85%
Anchored Retail
5.93%
6.03%
6.43%
Non-Anchored Retail
5.93%
6.03%
6.43%
Big Box Retail Credit
5.93%
6.13%
6.52
Big Box Retail Non
Credit
6.03%
6.13%
6.52%
Apartment/Multi Family
5.93%
6.03%
6.43%
Office Buildings
Single Family
6.18%
6.28%
6.66%
Multi-Tenant
6.13%
6.23%
6.61%
Mobile Home Parks
5.93%
6.03%
6.43%
Light Industrial
6.08%
6.18%
6.57%
Flex (Office/Lt. Industrial
Warehouse
6.08%
6.18%
6.57%
Hotel (Major flags Only)
6.23%
6.33%
6.68%
Owner Occupied
6.08%
6.18%
***
Current Rates
Rates are for high quality, stabilized
properties and are subject to change
without notice. Examples are based on a
$2,000,000 loan amount for a 10 year
fixed-rate term and a 30 year amortization
schedule.
Other rate structures, terms and
amortizations are available. Multi-family
loans are available starting at $500,000.
Loans for other property types are
available from $1,000,000.
Whether you are looking for a long-term
fixed rate or short term bridge loan, our
team of seasoned loan underwriters has
the experience and knowledge to guide
you through the financing process and
obtain the product that best aligns with
your goals. No matter what the interest
rate environment is when you are
looking for financing, we can ensure
extremely competitive rates and terms
for your loan through our relationships
with lenders nationwide.
We are able to
structure long-term, permanent
financing; construction and
development loans; bridge loans, or
interim financing; equity; transitional
financing, for properties yet to achieve
their income potential; mezzanine
financing, and more.
Our team works for you, the borrower,
to establish your needs and
preferences and match those with the
appropriate lender and the appropriate
financing vehicle. We bring to the table
relationships with a wide variety of
commercial lenders, and a wealth of
experience in guiding transactions from
start to finish and achieving
Permanent Loans
In the current interest rate environment,
with long-term rates at or near historic
lows, it is to most borrowers' advantage
to lock in a fixed rate rather than deal
with the uncertainty of an adjustable rate
mortgage. Additionally, an interest only
component is available in most cases, if
desired.
We have a variety of loan products
available from loans with 1 to 15 year
fixed rates, to fully liquidating loans with
terms of 20 to 30 years. The availability
of the various loan types depends upon
your specific project. We will work with
you to structure the loan rate, term and
amortization to suit your particular
needs.
Please see our current rate page to view
rates available today for various loans.
Bridge Loan / Interim
Financing
Bridge loans, or interim financing, are
available whether the structure involves a
first mortgage, secondary mortgage, or
wraparound financing.
Construction / Development
Loan
Contact us to discuss your construction
and development financing needs. By
evaluating your long-term financing needs
at the start of the construction process,
you may be able to save. Forward
commitments are available to lock-in your
permanent financing rate before
construction is complete.
If a first mortgage falls short and your
current lender won’t allow subordinate
financing, it may be time to step up to the
Mezzanine.
Our Mezzanines are
fast-closing commercial equity loans that
can be structured as short-term, interest
only instruments.
Available with or without equity
participation, these loans start as low as
$1,000,000.
PROPOSALS QUOTED WITHIN 24
HOURSQualifying Projects (50-80% financing): acquisitions, start
ups, company expansions, mergers, new cash infusion, partner
buyouts, operating funds, inventions, research and
development (R&D), bailing out companies in trouble, real
estate developments, hotels, resorts, apartment buildings,
office buildings, mining projects, gas, energy, casinos, 5-Star
Mobile Home Parks (more list below)...FICO IS NOT AN ISSUE.
We accept and will consider ANY PROJECTS, and welcome
DEVELOPERS WHO ARE ON THE VERGE OF BANKRUPTCY
(Due to the lender backing out of their commitments).
Loan amount from $1,000,000 to $500,000,000
We consider all commercial and unique properties that fall
within our program guidelines and loan amounts, including day
care and educational facilities, funeral homes, campgrounds,
outdoor entertainment centers, trailer and mobile home parks
and marinas.
Our nation's real estate market is extremely diverse with
countless types of properties. Special purpose and unique
property types may be an insurmountable hurdle to some
lenders but we have the
knowledge and experience to clear those hurdles.
We will consider all commercial and unique
property types falling within our program guidelines and loan
amounts.
Up to 70% LTV
Documentation - Full Doc -
Amortization - 25 years
Bridge Loans - 1 to 5 Years
Appraisal Required
Loans up to $50, 000,000
Hedge Funds up to 100% Financing
Commercial Hard Money Projects: 70% Financing
25-30 Years-Long Term and Short Term Loans
Eligible Properties:
Apartments
Assisted Living Facilities
Auto Repair Garages
Car Dealerships
Care facilities
Car Wash Facilities
Casinos
Church Financing
Congregate Care
Equipment for Start ups
Ethanol Plants
Factory Outlets
Golf Courses
Grocery stores
Hospitality
Hotels
Housing developments
Independent living
facilities
Industrial Parks
Land acquisitions
Manufacturing
Medical offices
Mini storage
Mixed use
Mobile home parks
Movie/Film Production*
Movie theaters
Music / Record Labels
Office buildings
Offices
Parking garages
Raw land
Regional malls
Residential subdivisions
Resorts
Restaurants
Retail Centers
Senior housing
Shopping Centers
Special use buildings
Strip centers
Student housing
Tract development
Warehouse distribution
centers
Warehouses
Wineries
Working Capital
(Start ups ok)
We are a nationally recognized company
helping entrepreneurs achieve their business goals. We have
been designated as a Preferred Financial services company
by SBA lenders to have loans processed more quickly and
efficiently than many others.
There are a number of advantages to an SBA loan, including longer
terms, no points and no balloon payments.
Who is Eligible for an SBA Loan?
Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes
manufacturers, wholesale, retail and service businesses as well as independent or
franchise businesses.
Loan Qualifications
Retail and service businesses with sales (3-year average) not exceeding $6 million to $20
million, depending on the industry
Wholesale businesses with employees up to 100 regardless of sales volume
Manufacturers with employees up to 500 depending on the industry, regardless of sales
volume
SBA 7(A) Loan Size $150,000 to $2.0 million
Loan Fees
Loan packaging fee: $750 to $2,000
Fee is based on loan size, it is collected at the time of loan submission; refunded if
declined by credit
SBA guaranty fee: 1.70% to 2.60% of the loan amount
Fee can be financed in the loan
Use of Proceeds
Commercial real estate (purchases, construction, or refinance)
Leasehold improvements
Business expansions
Machinery, equipment, furniture or fixtures
Business acquisition
Working capital (offered in conjunction with some of the above)
Start-ups (ALL Franchises, Motels, Restaurants Gas Stations and C-Stores)
Other Credits Considerations
Business must have adequate historic cash flow to cover the proposed debt
Business debt to net worth must meet industry averages
Borrowers must be actively involved in the day-to-day operation of the business
Satisfactory personal credit histories are required for all principles and guarantors
No past bankruptcies or felony arrests
Contact us today about our SBA Loan Programs and other services
SBA Loans in under 30 Days, Up to 97% Financing. Easy Process, Fast Approval!!
GINNE MAE HUD FINANCING: MUTIFAMILY, Assisted
Living/Healthcare, Hotel, Church, Apartments, and
Construction, Substantial Rehab etc.
Loan Amount: No programmatic minimum or maximum loan size
LTV/LTC: For Profit: Up to 90% of cost, including the “As is Value” of the land
For Non-Profit: Up to 100% of cost.
Loan Term: Up to 40 Years
Amortization: Construction period: Interest Only
DSC: 1.11:1
RATE: Interest rate locked prior to construction for the full loan term. Ginnie Mae
securities are priced daily.
Assumability: Fully assumable with HUD and Lender’s consent
Recourse: Non recourse, except for standard care-outs required by HUD
FEES AND COSTS: Borrower responsible for market study, appraisal, PCNA,
Seismic report, and a Phase I Environmental survey
HUD Fees: HUD Application fee, Hud Inspection fee, and HUD mortgage Insurance
Closing: 4-5 Months
I think that my company may be able to help you if your still interested.YFI represents private lenders with access to 400Billion to lend on commercial projects such as Multifamily,Mezzanine Loans, New Construction, Self Storage, Hotel/Motel, Senior living, Shopping Mall and Bridge Loans and many others.
Your executive summary will get you an answer in a few days.
400Billion to lend on commercial projects ....
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