Commercial Financing Solutions

Commercial Real Estate financing is my specialty.  Hello and welcome to the world of Commercial Loan Financing.  My name is Carmen Alexe and I help investors and business owners with financing solutions during these challenging economic times.  My favorite words in the dictionary are excellence, competence, and drive.  Thus I am competent and driven to provide you with excellent results.  While I am located in beautiful Savannah, Georgia, I am able to provide you with commercial solutions anywhere in the United States.  Advanced technology makes it so smooth nowadays to do transactions from one coast to another that you may as well think that I am located next door to you.

Why was president Ronald Reagan considered a great president?  Obviously he did a great deal of good for our country.  Why was he so successful?  Because he surrounded himself with competent individuals.  And if you don't understand why I am bringing this up here it is.  I surround myself with the most competent and transparent lenders that are funding loans today, when many banks prefer to not take any risks.

What transactions can I do?  Purchase, Refinance, and in many cases Construction financing.  Depending on your scenario I should be able to place your transaction under either a Conventional, SBA, USDA, FHA, or an Alternative program, also known as Hard Money, for those loans that won't qualify the traditional way.  I can even help with a Loan Modification in those cases where there is no other feasible solution.  And as far as the properties we cover:

• Apartment Complex (more than 4 units), Mobile Home Parks, Mini-Storage facilities
• Shopping Centers, Strip Malls, Office Buildings, Medical Buildings
• Motels/Hotels, Bed & Breakfast facilities, Gas Stations
• Warehouses, Industrial, Manufacturing facilities
• Churches, and so much more...

In addition to this I can even help you with Loans secured by your Stock Portfolio (non-recourse and great fixed rates 2.5% - 4.5%) and Accounts Receivable Factoring program secured by your business's accounts receivables.

First I'd like you to get a firm understanding of the differences between a residential and commercial mortgage loan.  Residential real estate uses a debt-to-income formula for judging your ability to repay a loan while commercial real estate is based on the debt coverage service ratio formula to qualify.  This means that to qualify for a commercial loan, you’ll have to know what your projected return on investment (ROI) will be when making a commercial property purchase or refinance.

The cash flow generated from your commercial real estate property will be one of the factors in determining both the value of the property as well as its future return.  The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market.

The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property.  What type of property will you acquire?  How will the property be used to improve your cash flow and financial goals?  How long will you hold the property?  Will you be an owner/tenant or just an investor?  And do you have an exit strategy?  These are all questions you’ll want to think about before applying for your commercial financing.

After you’ve established the market need and use for the property, you’ll also want to analyze its current and future cash flow that will contribute to your ROI.  So give me a call today, and I’ll help you get started and answer any other questions you may have.