Although there are plenty of economic indicators out there, following what is happening in the lending markets is another good one that is often overlooked. To give our clients a better idea of what is going on in the lending markets, below is a brief summary of what we have witnessed over roughly the last…
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Number of Banks in the United States Hits Depression Levels
The number of banks in the United States has continued to decline, and has now hit its lowest level since the government began tracking data in 1934. At the peak there were more than 18,000 banks, but today that number has dwindled back down to just over 6,800 banks, with more than 10,000 leaving the…
SBA Financing Options May Be Affected by the Sequester
The media is filled with stories about the different ways the Sequester is going to effect each and every one of us in our everyday lives. And whether you believe all of the doom and gloom or not about what the sequester might bring, sure enough some cuts are going to have an impact. Unfortunately…
This Is The Year That Commercial Lending Booms
By Ilana Greene and Ranjit Suresh When Brad, President of Commercial Lending X saw the economic downturn coming, he did what few of his competitors in the commercial lending industry did. He differentiated himself. He realized that he would have to stand out so that he would have work even after the worst of the…
Private Commercial Lenders Flood the Market
Due to the shrinkage in capital in traditional banking markets, most Banks have lacked the capital to fund large loan growth. Although many Banks have gotten their balance sheets to the point where they are healthy again and are actively funding new transactions, many banks have limited overall capacity and are focusing their loan growth…
Beginning Signs of a Commercial Lending Recovery
For the first time in several years, it appears the lending markets are starting to get more aggressive, and we are seeing some financing options reappear in the market. Although commercial lenders remain very risk adverse, meaning they are still completely focused on low risk transactions and not taking on any requests with any hair…
Bridge Financing for Your Commercial Loan
At times a Commercial Loan borrower may have a request that they think is relatively routine and in many cases a really good deal, but they find that they just keep getting turned down by traditional bank lenders. Although often times a borrower might have a good opportunity, that opportunity might not translate into something…
Why Are Commercial Loan Terms So Short?
Commercial loan borrowers are constantly asking for commercial loan products with ten, fifteen, twenty, and thirty-year fixed rates and terms. What many borrowers do not understand, especially first time commercial loan borrowers, is that long-term fixed rates over five-years are rare and don’t really exist in the commercial loan marketplace, with a few exceptions. The…
How Getting a Commercial Loan Appraisal Has Changed
With all of the new regulations and changes in FDIC policy following the banking crash, one of the areas that has been effected significantly is commercial loan appraisals. The changes in how Banks must now handle commercial appraisals are having a resounding effect on the industry and commercial loan borrowers. In the old days a…
When To Be Cautious In Dealing with a Commercial Loan Broker / Consultant
Reputation is everything in commercial lending. Banks need to have a good reputation to attract quality customers. Private lenders have to be established and show a strong track record of closing loans to attract new commercial loan borrowers. In this same manner, commercial loan brokers / consultants must also have a strong reputation. There are…