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Services

Commercial Real Estate Financing

 

Commercial finance can be arranged for any requirement, to buy, improve, re-mortgage business or to purchase a  Hotel/Motel/Shopping Mall, property development or just fund another business.
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Brookwood Commercial Lending have developed an excellent relationship with many specialist lenders/banks therefore this
assists the non status and sub prime commercial market. This accommodates clients by obtaining self certification finance where accounts are either insufficient or not available.

Bridge Financing

 

A Bridge Loan has to be “closed ended”. This means that as a pre-condition to granting the loan facility, there must be a “defined exit” capable of being put into place within the term of the loan so as to provide a method by which the loan will be repaid at a specified end date – this will be either by way of refinancing or sale of the property.

The interest charged on a Bridge Loan may be “rolled-up” , accumulated and repaid along with the principal sum at the end of the term from the proceeds of refinancing or sale of the property.

Hard Money Financing

 

Hard Money Loans are for investment properties only and are considered an asset-based bridge loan. The financing is based on the Loan to Value (LTV Ratio) of the asset (the investment property) and has 9-24 month terms for private investors looking to invest in real estate.

There are less restrictions on this type of mortgage loan versus other traditional loans, where the investor would have to present income verification during the approval process. When applying for a Hard Money Loan the borrower will have to go through full underwriting, however there is no minimum FICO score required and the borrower will not have to worry about bankruptcies, foreclosures, collections, etc.

SBA Financing

 

When it’s time to move your business forward, a U.S. Small Business Administration (SBA) loan from Brookwood may be the solution if you’re seeking a financing option with:

SBA Loans:

SBA 7(a)

  • Designed for businesses looking to acquire an existing business, buy-out a partner, expand to another location, purchase real estate or equipment, or those looking to combine any of these needs into one loan.

  • Appropriate for longer term financing for businesses with net worth below $15 million and an average net income below $5 million.

  • Loan amount is up to $5,000,000.

  • Terms are up to 25 years for commercial real estate and up to 10 years for all other purposes.

  • Interest rates can be either fixed or variable.

SBA 504

  • Designed for businesses looking to expand through land or building acquisition, construction, or equipment purchase.

  • Appropriate for longer term financing for businesses with net worth below $15 million and an average net income below $5 million.

  • Terms are up to 25 years for commercial real estate and up to 10 years for machinery or equipment.

  • Interest rates are fixed or variable.

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