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Your source of commercial loan advice
LoanUniverse.com has been providing independent free loan advice since 1998. The objective of this site is to help the general public understand how Banks view their business or commercial real estate credit requests.
If you are looking for help in how to finance your business or trying to find out information about the ways that rental property or owner occupied real estate can be financed, feel free to post your question in the forums.
Latest Updates in Business Loans
- Commercial loan term sheets – Information and Example (5/4/2012) - A nonbinding term sheet is an instrument used in commercial lending. The document achieves several objectives. 1) Delineates the terms and structure under which the lender is willing to consider a credit request. The term sheet is usually prepared prior … Continue reading
- Financing your franchise dream with a commercial loan (4/26/2012) - And some underwriting pointers to my fellow lenders One of the things that I do not like about underwriting loans for the middle market and large corporate market is that I do not get to see many of the small … Continue reading
- Business loan pre-approvals as an underwriting tool (4/23/2012) - I received an email from a website visitor the other day, and I thought it was an interesting enough topic to write a post about it. The visitor works as a commercial lending assistant to a couple of lenders for … Continue reading
- Funding your business – Crowd Funding IPOs (4/9/2012) - Crowd funding and the new Jumpstart Our Business Startups law Although the website is mostly about commercial lending as a source of financing for business and commercial real estate, I wanted to discuss a different source of financing for businesses. … Continue reading
Latest Updates in Commercial Real Estate Loans
- Buying land for development in 2012 (4/19/2012) - I was going over some Commercial Real Estate market reports the other day. My Department gets them from different firms on a quarterly basis, and they are an excellent source of information to see trends in different real estate sectors … Continue reading
- Shopping Center loan process explained (4/12/2012) - This article is a summary view of the underwriting process for a shopping center loan, and should be helpful as an introduction to the subject. If you have experience in it, you might find it too superficial. What is a … Continue reading
- Swap rates as base for commercial real estate loans (3/31/2012) - Commercial Real Estate loans say goodbye to T-Bills as a base rate If you have been in the market lately for a CRE term-loan, you might have encountered a trend where the bank is selling you a fixed rate loan … Continue reading
Latest Updates in Consumer Loans
- Commercial Credit Scoring for small business (2/27/2012) - Commercial Credit Scoring has been a topic that has often interested me. While it is not something that I deal with on a daily basis as the type of loans that are underwritten in my Department are too large or … Continue reading