Commercial Loans are Different.

So are commercial financing structures.  Lenders are cutting back, underwriting guidelines are tightening and this is not the market for the inexperienced.  Why add yet another layer of risk?. 

Whether its an agency, portfolio or private funding source, our trained commercial loan specialists will relieve your uncertanties, answer your questions and guide you through the approval process with as little stress as possible. When it's time to leverage your ambition with a business or commercial loan, we listen.  Call today for a no-cost consultation.  800-684-3092 ext. #11. 

Request a FREE no-obligation quote.

MORE NICHE COMMERCIAL LOAN PRODUCTS AND SERVICES 

LARGE BALANCE LIMITED DOC COMMERCIAL LOAN FLIER

Conventional Owner Occupied
Works especially well for the business owner who occupies at least 25% of the property and can provide at least 2 years of "stabilized" financials.  We'll analyze both the business and the borrower's financials to calculate a global debt service calculation.  Our underwriters apply rental income received towards debt service.  This will maximize the loan amount that is available to you. 

Program Characteristics:

• LTV up to 90% for multi use properties, 65% or less for special use
• Loan amounts up to $8mm
• Fixed rate options out to 30 years
• Debt Service Coverage Ratio (DSCR) down to 1.20
• Multiple prepayment options

Program Benefits:

• Low down payment to preserve cash flow
• No call provisions = no surprises 
• Fast to qualify DSCR standards
• All income streams taken into underwriting consideration
• Preapproval in 48 hours or less
• Close within 2 weeks of the appraisal

Investment Real Estate
Works especially well for multi tenant properties (apartment buildings, shopping centers, office buildings, etc) where the borrower will occupy no more than 25% of the property. The maximum loan available is  underwritten to the property's cash flow while the borrower’s personal income and debt-to-income ratio are also considered.

Program Characteristics:

• LTV up to 80%
• CLTV up to 85%
• Loan amounts $250,000 to $15mm
• Fixed rate options up to 10 years
• Amortization up to 30 years
• Debt Service Coverage Ratio (DSCR) down to 1.15
• Multiple prepayment options
• Subordinate financing allowed
• Flexible pre-payment choices

Better than a Margin Loan.  Put Your Cash to Work for You!
• Up to 90% LTV
• No margin calls for any reason (100% hedged portfolio)
• Nonrecourse means you can freely default at any time. Keep cash, forfeit stocks even if worthless! 
• Default never reported to credit agencies thereby protecting your valuable credit rating
• Cash available in 2 weeks or less for any legal purpose, not tied to brokerage account
• A cash "loan" is not the same as a stock sale.  Tax deferral possible
• No personal qualifying required.  Your stock portfolio is your passport.  No minimum balance.

Other Program Benefits
Receive full or partial upside of stock value
Low fixed interest rates from 1.99%
Prepay anytime without penalty
Terms from 2 to 10 years
All stocks traded on domestic (United States) exchanges qualify
Blue chip stocks trading in Israel, Great Britain, Japan, Taiwan, Australia and New Zealand are eligible*

*Please inquire about up-to-date information for stocks in these countries

ELIGIBLE USE OF FUNDS (any purpose other than to buy marginable securities)
Down payment
Resolve tax issues
Bridge
Business opportunities
Partner buyout
Debt reduction
Equity shortfalls
Closing costs

LOAN OPTIONS:
Flagship
Receive 100% upside of stock's value.  Rates start at 9% based on price volatility and volume. Maximum 90% LTV.  Pay down margin debt and get more cash with advance rate of 90% of your stock's value (margin accounts offer 50% max).  Select the term that best suits your financial objective.  Keep all upside performance no matter how high the price rises. No recourse, no margin calls and no house calls.  If value declines elect to default without risking other assets or your credit.  Defer monthly payments until maturity (from 2 to 10 years).  Quarterly account statements that monitor asset performance vs. debt obligation.

Capped
Receive 10-15% profit participation each year, but maximize cash off the table.  Rates from 5.50% to 8.5% fixed.  Refinance other loans using low fixed rates.  90% LTV.  Pay down margin debt and get more cash with advance rate of 90% of your stock's value (margin accounts offer 50% max).  Select the term that best suits your financial objective.  No recourse, no margin calls and no house calls.  If value declines elect to default without risking other assets or your credit.  Defer monthly payments until maturity (from 2 to 10 years).  Quarterly account statements that monitor asset performance vs. debt obligation.

Flex
Partial upside participation each year of term, but maximize cash off the table.  Rates from 1.99% to 7.49% fixed.  For large cap stocks you can secure a Flex loan at extremely low rates to lower debt service on higher rate loans by as much as 75%.  LTV from 35-75%.  Non-recourse, but callable.  If value drops 20% below loan value it will trigger house call for the spread between portfolio and loan values.  You must cover the spread with a deposit of cash or collateral, experience an increase in portfolio value above the amount that triggers the house call or elect to default without attachment of other assets or adverse credit reporting.  Select the term that best suits your financial objective.  The longer the term the lower the rate offered.  Defer monthly payments until maturity (from 2 to 10 years).  Quarterly account statements that monitor asset performance vs. debt obligation.

Short Term
Receive 100% upside of stock's value.  Prime rate +1, floating; capped at 11.9%.  LTVs from 30-90%. Pay down margin debt and get more cash with advance rate of 90% of your stock's value (margin accounts offer 50% max).  Use you portfolio to secure a bridge loan while anticipating other financing or other closings.  If your stock value increases, you may qualify for a quarterly credit increase or payoff balance without penalty.  No recourse, no margin calls and no house calls.  If value declines elect to default without risking other assets or your credit.  Asset performance reviewed quarterly for possible credit increases.  if your stock does well, a simple request will get you more cash.  Dividends are paid to you.  Apply them to your loan balance or pocket the cash.  Interest can be paid quarterly or request an interest reserve.  You decide how to service the loan based on your personal cash flow position.  Quarterly account statements that monitor asset performance vs. debt obligation.

Simple application and copy of account statements to get started.  Close 2 weeks later.  
Request a Stock Loan Application today. 

Disclaimer: this offer is not to be construed as tax planning, investment, buy-sell, or legal advise.  TAMCO Capital LLC is not a securities company or broker/dealer.  We are acting in the capacity of referral agent and do not offer or sell these types of programs. 

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 Fall Niche Program Rebate Offers 
Close a loan for $2,000,000 or more under any of these programs and your appraisal is on us!   

Up to 100% Energy Financing in Global Markets from $50,000,000 US Dollars
Ideal for developers who have a strong management team with at least three years of demonstrated experience in energy production.  Eligible sites must currently be in producition.

Lending Area:        Global
Eligible Projects:     Oil, natural gas, coal (carbon based), surface mining, oil refineries, oil fields, coal mines, methane, energy barges, energy infrastructure.
Deal Size:                $50,000,000 and above  
Deal Structure:       80% to 100% LTV
                                Purchase, refinance, equity, mezzanine
Pricing:                    Case-by-case

Request a no-obligation quote to finance your energy project today

Commercial Builder and Developer Financing
From $1,000,000 up for experienced entities only.  Must have strong existing portfolio. Program offers an interest only option with no pre-payment penalties.  Not driven by credit scores.  All developments given consideraton as long as the developer/sponsor has at least three years of documented experience with projects of a similar nature.

Lending Area:        North and South America, Canada, Mexico and the Carribean
Eligible Projects:    Any
Deal Size:               $1,000,000 to $2,000,000,000 US Dollars
Deal Structures:    95% to 97% LTV without equity participation
                               Up to 100% LTV with equity participation
                               80% LTV for refinances
                               Deferred payments OK (interest reserve)
                               Interest only option OK

Request a no-obligation quote to finance your commercial development project today

Short Term Bridge and Mezzanine Financing 
Money is still on the table for viable commercial projects.  Take your project to the next level with a bridge or mezzanine infusion of cash. 

Lending Area:        Nationally
Eligible Projects:    Office buildings, raw land, manufacturing, retail centers, hospitality, real estate 
                               development, other properties considered.
Deal Structure:      50% to 65% LTV
                               Short term

Request a no-obligation quote to take your commercial project to the next level

Development Capital for Experienced Apartment Developers Nationwide
Exclusive program through our network that provides up to 95% LTC for larger multi-family projects.  Principal must sign an exclusive 30-day contract.  Deals that have been shopped are not eligible.  No broker chains please.

Lending Area:           Nationally (exceptions: AR, AZ, CA, ND, SD, WY)
Eligible Properties:   Apartment developments
Deal Size:                 $20M minimum
Sponsor:                   Demonstrated track record for similar completed projects; good credit rating
Deal Structure:        75% debt, 3rd party provides 80%-90% equity on a JV or preferred equity basis  DSCR:                        1.15 - 1.20
Other:                       Cost estimation is based on historical cost of land purchase not appraisal
Pricing:                      Case-by-case 

Request a no-obligation quote for your apartment development today.

Customers who do business inside of the closesooner.comTM Mortgage Network realize economies of scale not found elsewhere.  Fast.  Courteous.  Professional.  We build customers for life.  Why go elsewhere?

FEATURED SERVICE PROVIDER:

Insurance costs are on the rise.  Getting the best coverage at the right price keeps you on top of your game.  Our featured service provider offers fast quotes in Florida for any of the following commercial insurance policies:

• Special Perils
• Terrorist Risk (TRIA)
• Boiler & Machinery 
• Builder's Risk
• Liability
• Rent Loss
• Statuatory Employee
• Flood
• Blanket Coverage

Mention network discount and the type of policy you need in the "Comments" box to reduce your cost of doing business even further.   Get an insurance quote now to avoid closing delays later.