Commercial RE Loans | Bankers Fidelity Capital Advisors

Commercial Real Estate Loans

Bankers Fidelity offers a wide range of solutions to finance commerial, industrial, office buildings, strip centers, single storefronts, office condos, special purpose properties and more. In addition to commercial banking loan products, Bankers Fidelity funds loans through its network of life insurance companies, pension funds, credit unions, and private investors

Commercial and Industrial Properties

Commercial and industrial property loans are priced based on the merits of the borrower's financials, the property's income and expense, and of course appraisal valuation.

Unlike many commercial and industrial lenders who are limited to one loan program, we have a wide variety of loan products to meet the needs of almost every property type for both owner-user as well as tenant-occupied properties. Loan amounts from $200,000 to $20,000,000 or more are available.

Private Investor Financing

Our Private Investor channel can deliver solutions that are not available from any institutional lending source. These programs are designed for borrowers who have had financial challenges (company losses, poor credit rating, etc.) or property challenges (deferred maintenance, sub-standard property type, etc.), or just don't meet the criteria for traditional residential or commercial lending.

While rates and fees are higher than traditional lending options, these resources provide a valuable solution for borrowers whose need for financing outweighs the higher cost.

Small Business Administration Loans

Small Business Administration loans (SBA loans) are government sponsored loans designed to purchase real estate or for an existing business (SBA 504 loans) or to acquire or finance a business or startup (SBA 7a loans).

Financing is available up to 90% LTV. Please review the general guidelines below.
Loan fees are generally 1 to 2 points plus normal closing costs and SBA packaging fee requirements.

SBA-504 LOAN SBA 7(a) LOAN

ELIGIBLE BUSINESS SIZE --Business net worth not to exceed $15 million --Determined by industry type

--Average net profit after 2 yrs. cannot exceed $5 million --Annual sales not more than $750K to $33.5M

for certain industries.

-- # of employees limited to 100-1000 for

wholesale or manufacturing companies.

LOAN STRUCTURE --50% bank loan / 40% CDC loan / 10% down -- Negotiable, depending upon risk

USE OF PROCEEDS --Purchase existing building --Expand, acquire or start a business
--Land acquisition and construction --Purchase or construct real estate

--Expansion of existing building --Refinance existing business debt
--Finance building improvements --Provide working capital

--Purchase equipment --Construct leasehold improvements

--Purchase inventory

PROGRAM REQUIREMENTS --51% owner-occupancy (60% for new construction) --Same

--Equipment must have 10 year remaining life --All financed assets must benefit the business

COLLATERAL --Generally, project assets being financed --Subject assets acquired by loan proceeds
--Personal guarantees of persons with 20%+ ownership --Same

--Often, pledge of personal residence

FEES --Fees are financed in the 504 portion of the loan --Fees can be financed in the 7(a) loan

--Fees are negotiated for the bank portion of the loan --Additional fees may vary

--A servicing fee for the SBA (CDC) portion of the loan

--Legal Review fee