| Crediflex Provides equipment financing, property financing, banking tenders, general business finance, and auto finance. |
| Credit_Sovereign Provides commercial mortgage lending and investment banking services. |
| Deschutes_Capital Provides asset-based and cash flow financing to middle market companies. |
| DGH_Financial_Services,_Inc_ Assists small businesses in securing SBA loans. |
| Diversified_Financial_Services Provides equipment financing and insurance programs to targeted niche markets. |
| 3E_Captital,_LLC Provides commercial financing through a network of lenders. |
| A_&_E_Funding Offers funding for restaurants and small businesses using different methods. |
| Equipment_Lease_Back_Funding Provides equipment leasing and lease back financing. |
| Execunet_Financial Provides a wide array of business financing options. |
| Fairfield_Financial_Services Broker providing private money options for commercial real estate funding. |
| FGI_Finance International trade finance services for exporters and manufacturers. |
| Financial_Manager\'s_Resources Facilitates funding for business growth and capital needs. |
| Financiers_International,_LLC Private financiers specializing equity loans, venture capital and business planning. Includes profile, lending areas, and glossary. |
| Financing_for_Construction_Projects Loans for construction and refinancing projects in the USA and Canada. |
| FinanSource Specializes in financing alternatives for businesses unable to obtain traditional bank financing. |
| First_Business_Financial_Services Provides commercial finance, leasing, investment plans, and merchant services. |
| First_Capital_Corporation Provides asset based lending to small and mid-sized businesses. |
| First_Capital_Solutions Provides commercial financing, venture capital, equipment leasing and factoring. |
| First_City_Capital_Corp_ Offers mezzanine financing, capital acquisition and consulting services. |
| First_Commercial_Corporation Buyer of whole loans and portfolios secured by commercial properties. |
| First_FundSource Offers business loans, mortgages, note purchasing and accounts receivable funding. |
| First_Madison_Capital_Corp_ Provides asset based lending and financing for undercapitalized businesses. |
| First_National_of_America,_Inc_ Finances golf courses throughout the United States, Canada and Europe. |
| FirstAccess_Financial_Group,_Inc_ Arranges, negotiates and structures financing services for clients worldwide. |
| GE_Capital Provider of commercial financing services worldwide. |
| GE_CFO_Solutions Provides commercial debt, loans, equipment leasing, bankruptcy and property finance. |
| GE_Commercial_Finance_UK Provider of funding solutions such as invoice discounting and asset based finance for growth, acquisitions and mergers. |
| General_Agents_Acceptance_Corporation Providing commercial financing to agents in the Western states. |
| Glory_Associates Consultant specializing in church financing. |
| Great_Nation_Investment_Corp_ Offers church financing with bond programs as an alternative to bank loans. |
| Harry_Hoffmann Provides project funding, venture capital, risk management, and investment consulting. |
| Hathaway_Capital Provides equipment and truckmount financing for professional carpet cleaners. |
| Healthcare_Finance_Group Offers secured revolving credit and term loan facilities to the healthcare industry. |
| IntelligentFunding_com Provides consulting services and assists clients with all aspects of capital development. |
| Interstate_Finance_Inc__has Offers business and investment loans to the Pacific Northwest. |
| Investment_Services_Corporation Provides real estate, corporate and government contract financing. |
| JS_MultiCapital Provides multifamily investors with the capability to outsource their project financing activities. |
| K_&_B_Capital_Corporation Commercial and residential lender offering a wide array of mortgage products. |
| Kensington_Cross Provides commercial lending and financial services to various market places. |
| King_Trade_Capital Offers purchase order financing for manufacturing as well as domestic and international trade. |
Traditionally, business owners have bought their commercial property throughtheir own bank like Barclays, Nat west, HSBC or Lloyds TSB. Loan to value amounts were around 50% to 60%,without the need for additional security. Business owners did have to sign awaytheir own family homes for many commercial mortgages in theform of a second charge, offering the lender additionalsecurity.
Full accounts, were required andscrutinised so the bank were sure that the business couldafford the borrowing. A few years ago, more specialist lenders saw the strength inthe commercial property market and were able to offer mortgagesat more favourable rates and terms that many banks could, orwere willing to do. 70% loan to value became common place and some lenders werewilling to go to as much as 85% without additional security,and sometimes without accounts and proofs of income, and wereopen minded about a certain amount of adverse credit in theform of CCJ’s and defaults.
Since the credit crunch and the propertyprice crash in the United States, coupled with a slight drop inconfidence in the UK commercial property market, lenders havebecome much fussier about what loan to value and property typesthey are willing to do. Buy to let borrowing still exists at rates near to normalmortgage rates at around 85%, but many lenders will now onlyconsider 70% loan to value on many commercial properties, andwhile they do still offer products that are “Self Cert” or“Self Certification of income”, they are now requiring muchmore proof of people’s income and accounts.
Some of the higher risk lenders build in high redemption penalties and tie ins so this compensates them for the money they loose with the inevitable number of re possessions. Typical rates for different types of property include, yourown residential property around Bank of England base rate, orslightly less for deals with tie ins, Commercial mortgagesaround Bank of England base rate +2%, and adverse, short termand self cert commercial property borrowing around 10% and asmuch as 12%.
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