• 1-4 Family Residences from $250,000 to $20,000,000.
• Extremely competitive adjustable and fixed rates
• Hands-on Processing with Quick Turnaround
• Flexible underwriting:  allowing for exceptions and compensating factors
• No Documentation loans, Stated Income loans, Lite and Full Documentation loan programs
• Loan to Values of 100%
• Primary, Investment & Second Home,
• High or Low Rise Condominiums and Coops.
• Corporate and Asset Based Financing
• Hard Money & Bridge loans
• Foreign Nationals OK
• Builders Programs:  Mini permanent construction takeout loans
• Trusts, LLCs and Corporations OK
  

Commercial Loans

Our expertise is in providing clients with interim, construction, and permanent financing for value added deals, income producing real estate and owner occupied properties.

 We place loans with lenders such as banks, non-depository institutions, insurance companies, pension funds, savings and loans, thrifts and private investors. 

Programs available include fixed rate loans 15 years as well as 3, 5 or 10-year fixed-hybrid's, with amortization terms of 30, 25, 20 and 15 years.  LTV's up to 80% on multifamily and commercial properties (up to 90% with SBA programs).

Commercial Loans Offered:

• Multifamily (5+ Units)
• Office, Retail, & Mixed Use
• Warehouse
• SBA Loans
• Manufactured Housing
• Credit Tenant Leases

• Single Family Housing Development
• Land Development
• Self-Storage
• Industrial
• Hotel
• Bed & Breakfast

Leasing is Flexible Leasing equipment provides flexibility and convenience.  Leases can be structured to accommodate cyclical, operational, and seasonal cash flow changes in your business.  For example, as your business expands, you can add or upgrade equipment during the lease term through an add-on or master lease.  This is especially useful for businesses that use computers, medical equipment, and other hi-tech equipment that have to utilize state of the art equipment.  The type of equipment that can be leased is virtually unlimited, and includes machinery, tools, instruments, and software.  Leases can also include the costs of installation, maintenance and many other services incidental to ownership of the equipment.

Leasing is Cost Effective
Leasing enables you to lower your monthly payments because you pay only for the term that you use the equipment, rather than paying outright for the entire value of the equipment.  The value remaining of the equipment is known as its residual value.  The residual value is what allows the monthly lease payments to be less than monthly finance payments if purchasing outright.  This benefit improves cash flow, an always-important consideration for your business.  Leasing also improves cash flow is because it does not require a down payment or additional collateral, so it is equivalent to 100 percent financing.  

Ease of equipment disposition is another benefit of leasing that cannot be underestimated.  The costs of removal, environmental fees (in the case of some types of equipment such as computers), and remarketing, which under the terms of outright ownership can be significant, are avoided with leasing.

Leasing offers balance sheet and tax advantages.  For example, an operating lease is not reported as a long-term debt or liability, and does not appear on your business’s financial statements.  Your business gets the benefit of using the equipment, while maintaining favorable financial ratios required by traditional lenders in the event that you need them.  For tax purposes, operating leases are treated as overhead expenses so lease payments are deducted from your corporate taxes, thus avoiding depreciation write-downs over time.  Please consult your tax advisor for specific tax treatment of your transaction.

Types of Equipment Leased to Businesses Include:

• Computers
• Software
• Office equipment
• Medical equipment
• Office furniture
• Manufacturing equipment
• Construction Equipment
• 100% Financing
• No Financials required for transactions under $100,000
• Quick Decisions
• Leases start with as little as $25,000
• Choose from: FMV (tax lease), $1 buy-out option, and fixed option
• State and local government programs
• All soft costs - software, training, installation, freight, consulting - can be covered in the lease.  We even do 100% software leases.
• Reseller invoices paid immediately and checks sent by overnight courier.
• Customized leasing programs - from national programs for major equipment manufacturers to local programs for small resellers.

Our financing makes business equipment affordable, converting a large up-front purchase into low monthly payments. When the lease expires, you can return the equipment and upgrade to a more current piece of equipment.