Commercial real estate financing is the engine that drives investment opportunities for people interested in acquiring commercial properties. Banks and specialty lending companies are engaged in making these loans. Investment banking companies are also finding this business to be lucrative. Individual investors who have formed an investment company are also a source for commercial real estate financing.

The commercial real estate is used to secure a commercial mortgage. The borrowers are customarily a group of individuals that may have formed a partnership, or some other form of a legally recognized business entity.

A non-recourse commercial mortgage means that should the investors default in payment of the mortgage the creditor can only seize the collateral that was provided to secure the mortgage. A non-recourse mortgage does not provide for a further claim against the borrowers. Mortgages that have been structured for sale as bonds will allow the lender to take the property immediately even if bankruptcy proceedings are under way.

Commercial real estate loans are very similar to commercial mortgages. They differ in that the commercial loans offer more flexibility about the use and the terms. This depends on the lender and the borrower’s relationship with the lender if a bank is the lender. Many banks make commercial real estate loans, so it would be important to have a relationship with the bank.

A bridge loan is a convenient means of covering the period of time before an existing property can close and the new property purchase must be finalized. These loans are more costly, but they serve a valuable purpose in closing a deal that has long term potential.

A10 Capital is known for full service lending that includes all aspects of the loan business. This includes underwriting, origination, closing and servicing.
Investors are finding that there are good sources of financing if they find a viable investment. Of course, the stronger the balance sheet of the investment group, the more likely they are to find the best terms.

If an investor wannabe has all their “ducks-in-a-row” in terms of required paperwork, getting a commercial mortgage loan is often easier than a single family home loan. Mostly because of two words: Bridge Loans. The term “bridge loans” is not a commonly used term with many in the financing community; Think banks, credit unions and mortgage brokers. The reasoning is simple enough. It’s a specialty type of “interim financing” and no lender knows the “bridge loan” game better than A10 Capital.

The bridge loan process is relatively simple. A borrower involved in a commercial real estate purchase that needs funds to make a “quick” escrow closing, or takes advantage of some interim short-term financing to keep a project moving forward. Then at some future date, secure a permanent loan to cover all the bridge loan expenses when the property is sold or refinanced using other traditional financing like banks or better yet, an SBA government insured loan.

Securing a bridge loan involves timing, in terms of troubles that can suddenly arise in the phases of any construction project. Or perhaps even running a bit short of cash to complete a certain business purchase. These are times when a borrower should look to the sky and spot that “bridge loan” parachute floating down from with enough commercial real estate financing for qualified borrowers to end the frustration, and sleepless nights. Even though bridge loans are a bit more expensive than the usual suspects: banks and credit unions, several other compensating factors loom large when a bridge loan lender like A10 Capital enters the picture. Quick action on closing the deal with a relatively small amount of documentation comes to mind.

Bridge loan specialists like A10 Capital are what is called in the financing parlance: “void-fillers.” They fill commercial property lending gaps that other lenders don’t or won’t. And often they can provide the necessary funds from one million and up usually on a case-by-case-basis.

So what is your need?
* A bridge loan to carry your project through the permit process?
* A bridge loan for your commercial business operation during tough times?
* A bridge loan on a foreclosure that must be completed quickly?
Regardless of whether it’s a cash-out refinance, construction loan take-out, or a property exiting a bankruptcy, a bridge loan is your best ace-in-the-whole. And has the deck of cards to play with.