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Unlocking Capital with the Capital Loan Program for Small Commercial Properties

Discover the Capital Loan Program, tailored for small business owners and investors. We specialize in small commercial and income properties, offering equity and credit lending solutions with unique programs that meet your needs. With loan amounts ranging from $100,000 to $1,200,000, we lend on various property types, including multi-family, retail, and light industrial. Enjoy competitive rates, conservative loan-to-value ratios, and quick closings. Whether traditional lenders have turned you away or you seek better terms, our program provides the financing solutions you need.

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Unlocking Capital with the Capital Loan Program for Small Commercial Properties

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  1. We have access to the Capital Loan Program Financing (Equity Lending) • Institutional lender specializing in small commercial / income properties • Unique programs - meet the needs of small business owners and investors • Equity lender / Credit lender • Commercial real estate secured loans only

  2. Traditional Money Sources Small Loans • Banks • Credit Unions • Trust Companies • Mortgage Bankers • Investment Bankers • Private Money

  3. Capital Loan Program Funding Institution`s Place Capital Loan Program TraditionalLenders Private Money

  4. Small Commercial Lending Arena The Capital Loan Program Private Money Traditional Lenders • Best Rates • Conservative LTVs • Strong Credit • Full Documentation • Environmental Phase 1 • Marketable Properties • High Commitment Fees • 1 to 5 Year Terms • Loan Committees • Cross Collateralization • Strong DSCR (i.e. 1.40x or more)

  5. Traditional Lender Requirements • Bank Credit Application • Background Information Sheet • State of Personal History • Management Résumé • Personal Financial Statement • T4, T1, Notice of Assessment • Financial Information: Business, Personal, Affiliate Tax Returns • Copy of Purchase Agreement • Lease Agreement • Copy of Business License • Equipment Listing • Schedule of Business Debt • Environmental Phase 1 or 2 • Insurance Information • Operating Statements • Rent Roll • …and more…

  6. Small Commercial Lending Arena The Capital Loan Program • Private Money • High Interest Rates • LTVs Vary • Fast Closings • All Credit Considered • Minimal Documents • Environmental Varies • All Property Types • High Commitment Fees • Short Term Loans • Inconsistent • Temporary Solution Traditional Lenders • Best Rates • Conservative LTVs • Strong Credit • Full Documentation • Environmental Phase 1 • Marketable Properties • High Commitment Fees • 1 to 5 Year Terms • Loan Committees • Cross Collateralization • Strong DSCR (i.e. 1.40x or more)

  7. Small Commercial Lending Arena • Intermediate Rates • Higher LTVs • Quick Closings • Wide Credit Range • Limited Documents • Environmental Fee • Many Property Types • Variety of Products • No Cross Collateralization • Reasonable DSCR • Commercial is All We Do • Wholesale Dedicated Capital Loan Program • Private Money • High Interest Rates • Low LTVs • Fast Closings • All Credit Considered • Minimal Documents • Environmental Varies • All Property Types • High Commitment Fees • Short Term Loans • Inconsistent • Temporary Solution Traditional Lenders • Best Rates • Conservative LTVs • Strong Credit • Full Documentation • Environmental Phase 1 • Marketable Properties • High Commitment Fees • 1 to 5 Year Terms • Loan Committees • Cross Collateralization • Strong DSCR (i.e. 1.40x or more)

  8. Who Needs Capital Loan Program? Clients underserved by traditional lenders: • Inability / Unwillingness to provide business and personal documentation • Fast Service • Too much credit exposure to the bank • Under bank’s minimum loan amount • Significant cash out (Equity Take-Out) • Transactions with subordinate debt • Changes in bank lending philosophy

  9. Who Needs the Capital Loan Program? As an alternative to Private Money Sources: • Need Higher LTV • Want Lower Fees • Want / Need benefit of lower interest rate • Needs longer term • Improved Credit

  10. The Capital Loan Program Loan Amounts $100,000 - $1,200,000 Property Types • Multi-Family (5+ Units) • Office • Retail • Automotive • Rooming House • Hotels / Motels • Mixed Use • Light Industrial / • Warehouse • Self Storage • Carwash • Bed & Breakfast • Funeral Homes • Restaurants • Daycares • Resorts • Campgrounds • Mobile Home Parks

  11. Non-Eligible Properties • Traditional Churches (no alternative use) • Raw Land and Farms • Construction / Interim Financing • Business Loans • Health Care Facilities that dispense medications (assisted living, hospitals, nursing homes) • Gas Stations • Adult Entertainment Facilities

  12. Deal View #1… • Mixed Use - $145,000 • A+ Credit Borrower • LTV 80% • Owner Occupied • Broker visited with • marketing material • Closed in 38 days

  13. Deal View #2… • Automotive - $435,000 • Owner occupied • Bank not willing to consider due to possible environmental concerns with this type of property • Broker arranged referral relationship with a local bank branch

  14. Deal View #3… • Office / Retail - $606,750 • Significant cash-out • Client did not have financials required at bank • Owner received advertisement from broker • Deal closed in 31 days

  15. Deal View #4… • Retail / Office - $920,000 • Borrower’s credit 685 • LTV 75% • Investment property • Expedited service from Lawyers • Closed in 45 days

  16. Deal View #5… • Hotel / Motel - $1,000,000 • Refinance – cash out to purchase another property • Referred to broker by real estate agent • Credit improved from A- to A in process • Appraisal came in higher than anticipated (+195k) • Deal closed in 59 days

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