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There is minimal regulation in the commercial finance arena unlike residential lending. Working with a company, such as Cap Ex Management, that operates as a fiduciary focused exclusively on your interest, helps to ensure that you are treated as you wish to be treated.
Many companies in commercial lending do not act as fiduciaries, so beware.
You have goals and investment constraints. There’s no sense proposing a deal that doesn’t match them.
We work with investors and also with business owners looking to buy their building.
You don’t plan on buying a property that’s going to sink you, and we won’t let you.
If you need “10 cash on cash and an 8/5 cap,” that is what we will find you.
Not sure what that means? Check the Glossary of Terms.
Cap Ex Management only considers itself successful when you’re successful!
You may be looking to buy a business or you have a business and you want to expand. There are a number of reasons that a business wants or needs a loan and a variety of loans to meet those needs.
Loans have different parameters that should be matched to the need. A loan that is great for one need could be disastrous in another situation. We walk you through those issues.
Following is a sample of different business loans that Cap Ex Management can help you with.
Loan to Value – Loan amount compared to the value of the building or business
Loan to Cost – Loan amount compared to the value of the building or business plus working capital and additional costs such as inventory purchase, equipment loans, and renovation of property
Capital Stack – Loan amounts plus equity in the building or business
The Why for Borrowing Money – It should be for buying or improving a property or business. Not for pleasure.
How Much to Borrow – You need to include for unexpected expenses and time delays. It is better to have a bit too much than be a penny short. Asking a lender for more money may not be approved and it will be more expensive, not only in the cost/rate charged but in time and pain.
Your Financial Situation – Lenders will look at your credit score and at other loans of the business or property and company liquidity to get a feel for being able to pay off the loan. But compared to residential, they will have a large factor considering the cash flow of the building or the business and not just your personal finances. The main thing lenders are looking for is how they will get paid back.