Times have changed and the lending environment feels like a maze.  The days of calling a banker and telling how much you need and having it waiting ‘at the table’ are gone. 

So what now, how do companies and investors obtain the vital capital they need to grow, expand and succeed?

A complete shift in the thinking is needed by borrowers.  Perhaps even more important is borrowers need a resource for loans that has a myriad of funding outlets.  Dividend America acts as a mortgage broker which gives us the advantage of access a wide array of capital.

This gives us a huge advantage over our competitors.  Contact us today to find out how we can help you achieve your financing goals.

Loan Products

Real Estate Purchase Loan

A commercial real estate purchase loan comes in many forms.  This is a list of the basic parameters for this type of loan:

• Owner Occupied Properties with as little as 10% down.  Investment real estate purchases require down payments of 25% or more.
• SBA loans can be used and are preferred when owner occupied properties are involved in a purchase.  (51% of the property must be occupied by the owner/company)  See SBA 7(a) & SBA 504
• Positive cash flow is required.

Rate & Term Refinance

Rate and term refinance loans are easy to obtain in most situations.  Many companies use these loans to refinance their SBA loans and get more favorable terms.

Development Loans

Development loans are available to investors and companies that have money to invest in the transaction.  Equity in land is equivalent to a cash investment.  Other types of ‘owner investment’ include fund partnerships.

Cash Out | Business Expansion & Redevelopment

These types of loans are available for companies that want to expand, improve or just want cash for reserves.  Companies must have positive cash flow and equity in real estate.

Stated Income Loans

Stated income loans are still available.  In these situations the property stands alone.  The financial stability of the individual or corporate borrower is not a consideration, the property stands alone.  However, the borrower may be asked to make a personal guarantee.

Hard Money Loan

Hard money loans are short term loans with higher interest rates.  The loans are from 6 months to 3 years and have LTVs as high as 65%.

These are just a few of the loans available.  For a specific analysis of your situation give us a call today.