Commercial Real Estate Investment Property and Business Financing
by PR_Springer_Fachmedien_Wiesbaden
This real estate and business financing article discusses a concept which is referred to here as “Thinking Outside the Bank”. It is meant to be a variation of the well-known “thinking outside the box”. Despite the prominence of traditional banks, they are not the only viable source which should be considered for a commercial mortgage or commercial loan. There are many reasons why a commercial borrower might not go to a traditional bank for a commercial real estate loan or other business finance circumstances.
Business borrowers have more commercial mortgage and commercial loan alternatives than they realize. As noted above, I refer to these business financing alternatives as “Thinking Outside the Bank” because a typical commercial borrower probably believes that a bank is the best source for a business loan in business investing situations. Non-traditional business lenders are usually viewed as having the competitive edge for many common commercial financing and commercial real estate investment property financing scenarios.
In some cases a traditional bank will offer to provide a business loan but will attach excessively stringent terms and covenants. In other cases a traditional bank will decline the commercial mortgage outright, perhaps because they do not even provide business financing to the commercial borrower’s particular industry. In either case, the commercial borrower is likely to benefit by “Thinking Outside the Bank” for their business investing efforts.
Commercial loan borrowers might feel that a bank is their most likely source for business financing. However, since traditional banks usually focus on a few types of businesses and commercial real estate investing, non-traditional business lenders should be emphasized for any business loan situation. Therefore the recommended business finance and commercial mortgage strategy discussed in this article is to “Think Outside the Bank”.
As I reported in a previous business financing and investing report, in many commercial mortgage situations it is common for a local bank to assess stricter commercial loan conditions than would typically be seen in a competitive business loan scenario. Such banks can often take advantage if there are few business lenders in their market.
A prudent response by business borrowers is to consider non-traditional commercial mortgage options. It is not necessary for borrowers to depend upon traditional banks for business loan strategies. For typical commercial loan scenarios, a non-bank lender can often provide better business financing terms because of the competitive market situation.
There are at least three business financing situations in which business borrowers will typically experience that non-traditional lending sources can provide conditions that are best for the borrower: (1) commercial real estate investment property loan programs; (2) credit card factoring and business cash advance programs; and (3) working capital management programs for credit card processing.
Business Loan Investing Options – Commercial Real Estate Investment Property Loan Programs -
Two of the most common commercial mortgage difficulties experienced by commercial borrowers can be avoided if they “Think Outside the Bank”. The first business financing situation is the prevailing practice of traditional banks to avoid most special purpose investment properties (such as funeral homes and golf courses).
A second business loan possibility is the frequent practice of many commercial banks to add recall and balloon conditions to their commercial loans. The bank can then require early payoff of the commercial real estate loan under stipulated conditions. Both business financing situations can easily be prevented by a non-traditional lending source.
Business Financing Choices – Business Cash Advance Programs -
Most businesses that accept credit cards will qualify for a business cash advance with their credit card receivables. Traditional banks will typically be very poor candidates to consider if a business needs assistance with credit card factoring and business cash advances.
Because successful business owners typically need more working capital than they can obtain from a bank, it is important for a business to “Think Outside the Bank” with non-traditional lenders to help with this working capital management function.
Credit Card Processing Programs – Working Capital Management Choices -
The selection of a credit card processing service can be critical in improving the cash flow of a business with significant credit card activity. Credit card processing providers can be combined with the credit card financing process mentioned earlier.
In coordinating a business cash advance and working capital business loan program, it is usually possible to achieve improvements in the business owner’s credit card processing services. Traditional banks are usually not competitive in providing assistance with a business cash advance using credit card receivables. So it is likely that a non-traditional lender will be the major source of competitive help with credit card processing improvements.
A closing business financing and commercial real estate investment property financing thought: I have written an earlier business loan article about commercial lenders to avoid. It should be noted that there are in fact both traditional and non-traditional (non-bank) lenders which should be avoided.
When business owners are “Thinking Outside the Bank”, they should be ready to avoid troublesome non-traditional business lenders in their investment quest for worthy working capital management dealing with commercial real estate loans, credit card financing and credit card processing.
Alex talks with regular Friday guest Bob Chapman about the economy and other issues. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week. theinternationalforecaster.com www.infowars.com www.prisonplanet.tv
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I thought Timothy Geitner was a lot better when he played Eliot Ness on the old “Untouchables” 1950s TV show.
@MJJacksonQueen777 good job bud, i cant stand tv, same with my bro he doesnt even have antenna cable nothing. and this was before i learned anything about this topic…. just watching cable.. my immediate opinion is just that its horrible. dull, boring. to each his own everyone, but… tv is juuusttt …. badd… unbearable to watch..
@frickadele and by “issue” i mean the fact that many will have doctrines that provide self-comfort but yet themselves are misled and trapped in a mental paradigm. one in which they feel as to have all the answers to the concepts of the world and life itself. check your physical composure, mortal
@frickadele but what are my beliefs and ur beliefs to question the nature of things. u r not a god or immortal as to dictate how this universe functions. you are perhaps intellectual but wisdom and intellectuality are very different. intellectuality will not save u on judgement day. i am not trying to prove my beliefs and get u to accept but i will not be cyber-debated about the existence of God. if u really want to get into a debate on the issue, try me
Working for Kissinger is worse….it was funny how he called them dumber than dumber HA
@txkingk
Good luck…what?
Can’t you be more precise than that?
Look…we have the right be think what we want.
But just because we think something…
doesn’t mean…that it actually means something.
Know what I mean?
But when your beliefs screw people…
then you’ve gone too far.
@frickadele good luck….
FUCK THE DECEPTICONS!
@riccati2012 They have the right to do it, no one is saying they don’t. But it is a slap in the face to those who died and to all Americans. They should build it someplace else.
@txkingk
I hate to break it to you…
but god is not a fact.
Otherwise…prove it.
I’ll wait.
I think Bob has learned that alex cuts him off at least 45 times every interview so he doesnt really say much anymore.
way to go alex
somebody whack alex upside his fucking HEAD WITH A LARGE WOODEN OBJECT.
WHEN YOUR GUEST IS TALKING ABOUT SOMETHING IMPORTANT AND ON A ROLE DO NOT INTERUPT HIM/HER WITH YOUR MINDLESS SKITTERING NONSENSE. YOU BLITZ THE ENTIRE INVERVIEW REGULARLY. YOU KILL IT. YOU RUIN THE WHOLE FUCKING PIECE.
YOU? ARE NOT MORE INTELLIGENT THAN BOB CHAPMAN FINANCIALY SO SHUT YOUR PIEHOLE ALEX
SHUT THE FUCK UP ALEX.
LET THE MAN TALK.
@frickadele thats ur opinion. not a fact
Solution : have 1 consumption tax to hold inflation and abolish all other taxes .
and double consumption tax for all Chinese products
If everything collapses, it will be all about food, fuel, seeds, water, weapons, transportation, tools, and other practical things. People have the ideas but not the skills and goods. It’s time to get all of the skills and goods you’re going to need to use in the very near future.
@NoPrivacyANYMORE10 Thx, will consider it, i just have bad experience with gold coins, where i pay for the history stamp/print on it aswell. The history value can go up and down aswell. Cant deside yet, some say i should invest in gold coins, other say gold bars. When i look on the most wealthy people there invest in pure gold for future reasons. they often store bars instead of coins. But thx again, gives me more to think on before i start invest more
If we don’t do something about our monetary system, the sissy Illuminati will always have their hands in corrupting the worlds governments.The Illuminati are the ENEMY of all nations and all faiths.They are DEMONS sworn to destroy the world and enslave all nations.
So I like Bill Still’s idea and I like Bob Chapman’s idea of having a small % of our currency (10 to 20%) backed by 1 or 2 precious metals.
Bob: “Without question.” Alex: “Well that was a brief response, Bob!”
Abdoul is a DOG : Rauf, Rauf , Rauf, …..Rauf, Rauf, Raufffffffffffffffff !!
the truth
LibertyPoet
website
@NoPrivacyANYMORE10 Yep, I heard about that.. Don’t know if it’s true, don’t own any bullion (I have coin and scrap).. And really, no common gold owners have it either.. So, noone will melt a bar of it, to find out FOR SURE! Really, if they have bullion, they are most likely Elite, Puppet, or Whore, so they wouldn’t tell you the truth anyway!
@cashscholar Yes……Bob Chapman had plenty of time to discuss in detail the latest news in the economy, but for some reason they just rambled on about other things. There was alot of news which Alex and Bob did not cover.
@Dualspec what’s wrong with coins? They’re more convenient and more practical; you can exchange them for goods you’d need if there was a complete collapse. Gold is only useful for what it can be exchanged for – that’s all it is, a means of exchange (you know that) so having bars that can’t be broken up is an unnecessary burden. They weigh a ton. Also there’s fake ones knocking about, more of them than most ppl realise – the dealers like to keep that one fairly quiet -just lead with gold casing.
I havent found yet a place in Europe where i can preorder and pickup physic gold bar without they take a a 40-60% overprice of golds market price as if i buy gold on stock/web-paper. Im not interested in gold coins either.
Anyone there know where i can preorder and pickup physic gold bar(s) pure .9999 in Europe?