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  Bridge loans  are short-term loans designed to help businesses acquire property for a given period of time. People or businesses that obtain a bridge loan to purchase a property usually intend to sell it to a third party or refinance it sometime in the near future. Here’s a comprehensive guide to short-term bridge loans, with plenty of input from our private lenders in Washington. 1. What are bridge loans? A bridge loan provides instant cash flow for businesses that need funding that may not be available to them just yet. Bridge loans usually have a high rate of interest . To get one, you must have a tangible asset to provide as collateral, such as real estate holdings or your company’s inventory of goods. Unlike many other types of loans, bridge loans can be secured in a short time without needing to provide a lot of documentation. 2. What are the benefits of bridge loans for business owners? A bridge loan offers immediate access to cash while you are still waiting to secur...

  Mezzanine financing  has become something of a buzzword in the commercial lending sector. In simple terms, mezzanine financing is a combination of debt and equity financing. It allows investors to reap a higher return in debt as compared to other forms of debt. Read on to learn about the benefits of mezzanine financing for small and medium enterprises. 1. Diversify your sources of financing Mezzanine financing allows you to diversify your sources of financing . This is a great way to avoid being totally dependent on one single lender. Most banks also have a positive view of companies backed by mezzanine loans given by reputed institutional lenders. It can become easier for you to secure more credit from a bank if your business is already associated with a mezzanine lender. 2. Lower financing costs than equity Mezzanine lenders typically aim for an internal rate of return between 15 to 25 percent, which is lower than what equity investors ask for (25 percent and up). Choosing...

  Mortgage loans allow companies to acquire commercial real estate to expand and facilitate their business operations. Banks and traditional lenders often reject loan applications if the borrower has a low income or bad credit score . In contrast, private mortgage lenders don’t, so most companies opt for them instead.   Here are some pros and cons of private mortgage lenders in New York: Upsides to Private Mortgage Loans 1.   Higher Chances of Qualifying Private loans are secured and have higher interest rates than traditional loans. Therefore, private mortgage lenders don’t focus on low credit scores, past income, or disqualified applications. You have a higher chance of qualifying for a loan because private lenders are more interested in the property they’re investing in, not the borrower.   2.   Quick Approval Process Getting a mortgage loan from the bank is tedious, with extensive scrutiny and paperwork. In comparison, private mortgage lenders approve the ap...

The construction industry is one of the most lucrative businesses in New York, despite the challenges of competition, spontaneity, and seasonality. It saw the biggest-ever record of private-sector construction in 2020, with over $1.14 trillion spent on property development .   If you own a construction business or want to enter this market, construction loans  can offer a multitude of benefits to your company.   What Are Construction Loans? Commercial business owners and builders can acquire a construction loan to cover the cost of purchasing, renovating, or developing a property. These properties can include multi-family real estate , hotels, warehouses, office buildings, etc. It's a short-term loan that requires a series of payments instead of the lump-sum repayment at the beginning paid in mortgage loans.   Construction financing  covers the following expenses of a commercial property: · Land acquisition · Construction materials · External displays such as ...

  Whether you are supporting a large family or living independently, you need to make smart financial choices to secure your future. It is essential to save up a significant portion of your yearly earnings, so you don’t have to take out loans down the line. A common method to multiply your savings is by investing them in a lucrative avenue  such as commercial real estate. Here are some reasons why you should take the help of private lenders in Seattle and make an investment in a commercial property  of your choice. 1. Guaranteed Returns Real estate has been growing in value exponentially for several decades, and the future projections for this sector are not any different. You can easily multiply your saving and earn guaranteed returns by buying real estate during any economic phase. 2. Steady Cash Flow By commercializing your real estate property, you can earn a steady income from the tenants. It will allow you to manage your monthly expenses much more efficiently and sa...

New York City is the best city for small businesses in the US,  offering significant disposable income and a solid consumer base. Most small business owners start from their homes, but gradually they require an office, storefront, and warehouse as their activities increase, which can be expensive.   Mortgage loans  help business owners purchase commercial properties by offering adequate funding and flexible repayment options. Here are a few types of mortgage loans you can get in New York: 1.   Hard Money Loans Mortgage lenders  offer short-term loans similar to commercial bridge loans used for purchasing or renovating a commercial property. Once you finance one portion of your project, you can refinance the loan to a long-term mortgage loan. Hard money loans are easier to qualify for and have quick approval and disbursal time.   Typically, hard money loans offer 80–90% loan to value and require a 10–20% down payment.   2.   Balloon Mortgage If you...