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Please register to view programs The Commercial Loan Store, LLC 205-747-9632 Office 484-737-9632 Fax 888-229-9909 Toll Free 1120 Beacon Pky E. # 204 Homwood AL 35209 | The Commercial Loan Store is a network of 400 plus Licensed Or Certified Real Estate, Mortgage, Business, Investor and Consultant Professionals located across the United States of America. Their professional serve in the real estate industry averages 20 plus years of experience individually. Their commitment to service allows their clients the optomium opportunity for maximum retrun on their investments. | ILE One Commercial Loan Products Apartment / Multifamily
Structures containing five or more dwelling units with common area facilities such as entrances, lobby, elevators, stairs, mechanical space, walks or grounds. Units must be rented on a non-transient basis such that tenants consider their unit their permanent residence. Properties that offer weekly or monthly housing would not be considered multifamily properties. - return to top -
Mixed-use
Mixed-use properties must contain at least one commercial unit (retail, office etc.) and at least one residential unit. Common types of mixed-use properties include a ground floor retail or office unit with apartment(s) above, all within the same building. The primary use at the property must be for residential purposes in order for it to be considered alie one mixed-use. The mixed-use property type can be classified in any alie depending on the percentage of the multi-family component and the type of commercial use. - return to top -
AILE Two Commercial Loan Products
Automotive
Description
Automotive is a somewhat broad category and encompass a variety of uses that support the automotive segment. Included within this category are auto repair shops, used car lots, quick-lube facilities, tire repair shops, etc. The type and size of building will vary with the use. Many buildings are designed specifically for the auto trade characterized by overhead doors, car lifts and usually a small office area - return to top -
Bed & Breakfast
Bed and Breakfast inns are residential-type buildings designed for transient boarding and are family style in character. B&B inns are usually one structure but some may include an adjacent guest cottage with similar quality amenities as the main unit. Owner operators live on-site, usually within the main building. - return to top -
Light Industrial
Light industrial is characterized by a small size facility where no heavy manufacturing or specialized industrial process takes place. Office space within light industrial ranges from 3% to 25% of the total area. Buildings must include sufficient plumbing and lighting to accommodate personnel. Common uses found in light industrial properties may include: cabinet making, assembly processes, home service industries, etc. Absent from these properties is any type of heavy machinery, welding operations, cranes or hazardous materials. - return to top -
Mixed-use
Mixed-use properties must contain at least one commercial unit (retail, office etc.) and at least one residential unit. If the primary use at the property is for commercial purposes, the property will fall under our mixed-use Tier II guidelines. The mixed-use property type can be classified in any tier depending on the percentage of the multi-family component and the type of commercial use. - return to top -
Mobile Home Park
Mobile home parks are considered as long as not more than 25% of the total spaces are used for RV. Mobile home parks vary in quality and amenities and all will be considered unless the RV component is too high. - return to top -
Office
Office buildings are buildings designed for general commercial occupancy and are normally subdivided into smaller units. Office use implies a general business use that does not include retail, manufacturing or warehouse type operations. - return to top -
Retail
Retail buildings are designed for retail sales and display and usually have display or decorative fronts. This retail classification encompasses a wide variety of uses including, but not limited to: markets, convenience stores, drugstores, department stores, big box retailers, barber shops, laundromats, etc. - - return to top -
Self Storage
Mini-warehouses are warehouses subdivided into a mixture of cubicles of generally small size, designed primarily to be rented for small self- storage or noncommercial storage and may include some office-living space. - return to top -
Warehouse
Warehouse buildings are designed primarily for storage purposes. An amount of office space included is usually commensurate with the quality of the building but typically ranges from 3% to 12% of the total area. Plumbing and lighting are usually limited due to anticipated light personnel load. The design of the building usually includes a light frame with large open interior areas. Cold storage and transit warehouses (truck terminal) are included in this category. - return to top -
AILE Three Commercial Loan Products
Flagged Hospitality
Hotels with national franchise affiliation are considered “flagged.” Hotels must be in good standing with their affiliated franchise to maintain this tier. - return to top -
Funeral Home
Funeral homes include those used for viewing purposes as well as those that include embalming services. - return to top -
Industrial
Where the principle structure is designed for manufacturing processes, heavy assembly or involves the use of heavy machinery. It contains an average amount of office space commensurate with the quality of the building and the intended use. Their heavy frames, walls and floors, specialized manufacturing processes and power or utility-service characterize industrial facilities. - return to top -
Rooming House
Rooming houses are similar to that of multifamily but the nature of the occupancy is more transient. Rooms are rented on a daily, weekly or monthly basis and usually only include a bedroom. The residents share the bathroom and the kitchen. Rent paid usually includes all utilities and units may be furnished. Most rooming house properties contain less than 20 units. - return to top -
AILE Four Commercial Loan Products
Day Care
Day Care Centers are early childhood, handicapped, adult, and senior care facilities; or developmental centers, such as kindergartens, nurseries or children’s preschools. They have light kitchen facilities, activity rooms and multiple restrooms, and are more residential in character than schools. - return to top -
Gas Stations
Gas stations are automotive properties or any other property that dispenses any amount of fuel for retail sale. They may have an auto mechanic, convenience store and / or car wash component. - return to top -
Health Care
Included in this category are all Assisted Living or Nursing Home types of operations where a license is required to operate the business. Quality and service levels vary considerably. Also included in this category are hospitals and medical treatment facilities, such as out patient care or walk-in emergency medicine. - return to top -
Restaurant
Restaurants are constructed for the purpose of preparation and sale of food and/or beverages, which include cafeterias, bars, and taverns, where design is of restaurant type. - return to top -
RV Park
RV parks are those that are designed for recreational vehicles. May include mobile home pad rentals but will be considered an RV park if 25% or more of total park is for RV. Transient type occupancy is common. - return to top -
Unflagged Hospitality
Hotels or motel properties with no national franchise affiliation are considered “unflagged.” “Mom & Pop” style operators typically run these types of facilities and the quality and level of service varies considerably. - return to top -
AILE Five Development Loan Products Construction loan up to 90% of the project can be financed, in certain cases up to 100% of the project can be financed. loans available nationwide usa. all 50 states considered. loan amounts $3,000,000 to $250,000,000.
Bridge Invester
AILE Six Business Loan Products SBA 7a The SBA 7a loan program is the most widely used SBA program. Loans are available up to $2,000,000 and may be used for virtually any business purpose SBA 504 The SBA 504 program is an excellent long term finance option specially designed for the purchase of long term assets such as owner-user commercial real estate or heavy machinery and equipment SBA Small Loan This SBA loan program is an inexpensive alternative to credit card debt, and provides businesses with regular payment schedules for loans of $5,000 to $50,000 Conventional Business Loan Conventional loan programs do not involve the SBA and are available for up to $3,000,000 Investment loan Investment Property Loan is specially designed for the small investor in income producing property. Purchase, refinance and cash out OK Factoring Improve your cash flow by turning your accounts receivable into cash today. We offers full notification, non-recourse factoring. This means that account debtors (customers of the client company) are notified to pay us directly while their credit risk of non payment is assumed. Aquition We have developed several programs to help business owners obtain financing for their new business acquisition, partner buyout, franchise acquisition, and start-up financing for select businesses. Business acquisitions typically require a variety of loan purposes, such as inventory, equipment, working capital, and commercial real estate. In most cases we can structure multiple uses of loan proceeds into a single business acquisition loan.
Business Startup We have developed several programs to help business owners obtain financing for their start up / new business. Finding the capital you require to start your business is very tough. Banks view start-ups as higher risk making it difficult for borrowers to receive approval, but with our excellent approval rate you can get business start up loans up to $2 Mil. We will work with you to close that loan that others will not handle. Asset Refinancing Asset refinancing is raising funds against already-owned assets (including vehicles), plant, machinery and equipment. You effectively sell and lease back the asset to the business. The advantages are the same as for leasing, and examples of how the funds raised can be used include the following:
Assistance in MBO/MBI situations, Settle off creditors including VAT and PAYE, Pay off existing shareholders, Re-structure borrowings, Enhance cashflow.
Merger Working Capltal Working capital" can be used for almost any business purpose and is not tied to, or secured by the acquisition of any particular new business equipment. Business expansion, to acquire inventory, advertising, promotions, accounts payable, to pay down other obligations. Working capital can even be used to acquire another business!
Equipment Leasing We provide equipment financing for new or used equipment in all 50 states. We have the equipment leasing programs to fund almost any credit. We provides simple leasing and financing of business and professional equipment from $5,000 to $3,000,000 at very competitive effective rates. We provide customized Equipment Leasing and Financing solutions for end users, on all types of commercial equipment including: office, networks, computers, industrial, business, municipalities, rental, medical, software, material handling, construction equipment and just about anything else a growing business may need to expand.
AILE Seven Special Purpose Loan Products Church Let's face it, if your bank was easy to work with and provided you a good deal with competent answers in a timely manner you probably would not be reading this. So since you are here you probably want to know how we are different and how we can help you close your church loan. To understand how we are different you need to know a little bit about how church loans are underwritten. Banks and traditional lenders use an underwriting method called Debt Service Coverage, this underwriting method is the same method they use for car dealerships, liquor stores, gas stations, apartment buildings, and every other property type there is. The problem with this underwriting method is that churches do not raise or spend money in the same way that these or for that matter any other for profit business does.
We have over 25 different loan programs available for Churches, We have dedicated Loan Specialists that only work on Church Loans. Unlike a bank, we are not opening checking accounts one minute and doing a home loan the next. We work with, talk to, analyze and close church loans all day, every day.
Health Club Commercial financing for health clubs and gyms can be difficult to obtain due to the special use property type and inherent risk associated with the fitness and health industry. CommercialBanc has the experience and knowledge needed to properly underwrite and close health club loans that meet the requirements of its borrowers. Health club commercial loans are available for stabilized clubs and facilities with strong management and experienced owner operators. Health club financing is available for businesses where the commercial real estate and business secure the loan. Health Care Facilities Providing healthcare financing for a wide variety of facilities including Assisted Living, For Profit and Not for Profit Hospitals, Seniors Housing, Independent Care Centers, Skilled Nursing, Alzheimer's, Medical Office Buildings and Condos Marinas If you currently own a marina or are looking to purchase a marina, yacht or other similar property type, we can provide highly competitive and flexible financing options for acquisitions or refinances. We offers marina loans and marina financing for properties located in the United States with commercial mortgages starting at $100,000. Auto Dealerships We provide commercial loans for the refinancing or acquisition of new and used car dealerships. Borrowers seeking financing for their dealership have unique needs and require specialized financing to meet these needs. We has the expertise and experience to structure customized commercial mortgage loans from $250,000 to more than $25 million to help meet each borrower's specific financing needs. Bowling Alley We provide commercial mortgage loans for bowling alley, bowling center and other similar property types located in all 50 states and the District of Columbia. According to the PBA, bowling has seen an increase in popularity in 2006 and is expected to see further growth in 2007 Funeral Homes Our funeral home loan program is available for commercial real estate properties and businesses with a strong operating history, strong sponsorship and should be located in mid to large market sectors. Currently, Golf Courses Commercial mortgage loans are available from $1,000,000. Driving ranges and mini-golf facility loans start at $250,000. Financing is provided for property, club house, dining facilities and more. Equipment, carts, tractors, etc. are not eligible for financing. Veterinary We provides veterinary commercial loans, animal clinic loans and animal hospital loans for the acquisition of existing practices and for the refinancing of current veterinary commercial real estate loans. AILE Eight International Loan Products Debt Financing When contemplating a major improvement or development project, the selection of a lender is of paramount importance. You want an experienced top financial institution big enough to serve all the needs of your project, and yet provide you with direct individual attention in a manner designed to accomplish the desired end with the utmost expediency. We offer private lending services with a client centered philosophy and a level of unrivaled accessibility. Backed with a funds pool of well over a hundred billion dollars, our global capabilities allow us to quickly meet all project financing needs, whether they be for major business enterprise, world governments, or high net worth individuals. You will benefit from our extensive world-wide abilities easily affording us the opportunity to finance virtually every feasible and fundamentally sound project at very competitive rates and costs. We look forward to arranging financing for corporations, trusts, institutions, governmental agencies, and individuals from all over the world. As you will see, the terms, conditions and interest rates of loans we arrange are flexible and competitive. We don't think you to find better financing anywhere.
Joint Venture IPN Placement Credit Inhansement Letters of Credit Bank Gaurantee Safe Keeping Report AILE Nine Real Estate and Business Services Real Estate Sales Business Sales Business Analysis Business Appraisal Business Advisory Services Commercial Loan Workout Residential Loss Mitigation Default Consuling Free |
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