Ray Pennie
Director of Sales | Commercial Lending
404-944-5968 (Direct)
I’m proud that I have joined the dynamic team at Dividend America; at its corporate headquarters in Atlanta, Georgia. I have served in the financial service industry for over 24 years and has spent the last 11 years in the commercial loan sector.
I provide SOLUTIONS for my clients … not just loans. With the challenging lending markets and today’s highly competitive business environment, I feel that business owners and entrepreneurs need more than just a loan officer, they need a professional that is their partner.
Our unique ‘solutions’ focus coupled with our consultative approach creates a dynamic relationship where all our clients needs are met! Here are just a few of the solutions we can offer our partners:
- SBA 504
- SBA 7(a), including Franchises
- Multi Family, including Mobile Home Parks
- Main Line Investment Properties:
- Office, Mixed Use, Retail, Warehouse, Self-Storage, Light Industrial, Strip Centers and large Shopping Centers
- Special Purpose Properties:
- Hotels, Motels, Gas Stations, Convenience Stores, Restaurants, Daycare Centers, Assisted-Living Facilities, Dry Cleaners, Funeral Homes, etc.
- Stated Income (up to $400K)
- NNN
- Conduit Lending, Hard Money, Bridge Financing
- Acquisition and Development
- Non-Recourse Lending
- IRA Loans
- Medical Financing
- Commercial Loan Modification
- Factoring
- Equipment Leases
- Credit Card Receivables Loans
