Blog

<h2>What Are Forward Commitments?</h2>Forward commitments are a crucial tool in commercial real estate financing, offering developers and investors a way to lock in financing terms for future projects. This blog will explore what forward commitments are, how they work, their benefits, and their risks.A forward commitment is a type of loan agreement in which a lender agrees to provide financing for a project at a future date. This type of commitment is commonly used in commercial real estate to secure financing for new developments or major property renovations.<h3>#### How Do Forward Commitments Work?</h3>1. **Agreement Terms**: The borrower and lender agree on the terms of the loan, including the amount, interest rate, and other conditions. These terms are locked in at the time of the agreement, even though the loan will not be funded until a later date. 2. **Future Funding**: The lender commits to providing the funds at a specified future date, typically when the project reaches a certain stage of development or when specific milestones are met. 3. **Security**: The commitment provides the borrower with certainty regarding the availability of funds and the terms of the loan, allowing for better financial planning and project management.<h3>#### Benefits of Forward Commitments</h3>1. **Rate Lock**: One of the primary benefits is the ability to lock in current interest rates, protecting the borrower from potential rate increases in the future. 2. **Financial Planning**: With a forward commitment, developers can plan their projects with the assurance that financing will be available when needed. 3. **Market Competitiveness**: Forward commitments can make developers more competitive by providing the financial backing needed to secure prime development opportunities.<h3>#### Risks and Challenges</h3>1. **Rate Decreases**: If interest rates decrease after the commitment is made, the borrower may end up paying more than the current market rate. 2. **Commitment Fees**: Lenders often charge fees for forward commitments, which can add to the overall cost of the loan. 3. **Market Changes**: Changes in the real estate market or economic conditions could affect the viability of the project, potentially leading to financial losses.<figure id="figure-53mvop8hvwly4zoqd1" class=""><img id="53mvop8hvwly4zoqd1" src="https://images.unsplash.com/photo-1503708928676-1cb796a0891e?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyfHxjb25zdHJ1Y3Rpb24lMjBzaXRlfGVufDB8fHx8MTcxOTk1OTg1MHww&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" alt="construction site" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://images.unsplash.com/photo-1503708928676-1cb796a0891e?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyfHxjb25zdHJ1Y3Rpb24lMjBzaXRlfGVufDB8fHx8MTcxOTk1OTg1MHww&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" data-mce-style="aspect-ratio: 16/9;"></figure><h3>#### Conclusion</h3>Forward commitments are a valuable financing option for commercial real estate developers and investors, offering the ability to secure funding and lock in terms for future projects. While they provide significant benefits such as rate protection and financial planning certainty, they also come with risks, including potential costs and market volatility. Understanding these aspects is essential for making informed decisions about using forward commitments in your real estate endeavors.---For more information on commercial real estate financing options, contact Atlantic Commercial Lending. We specialize in providing tailored financial solutions to meet your unique needs.

Understanding Forward Commitments in Commercial Real Estate

<h3>#### Introduction</h3>Financing non-cash flowing properties, such as vacant buildings or properties under renovation, can be challenging. These properties do not generate immediate income, making traditional financing options less accessible. However, there are several strategies and financing options available to help you acquire and improve non-cash flowing properties. Here’s a guide to navigating this process.<h3>#### Understanding the Challenges</h3>1. **Risk Perception**: Lenders often view non-cash flowing properties as higher risk because of the lack of immediate income. 2. **Loan Terms**: Securing favorable loan terms can be difficult without the cash flow to support regular payments. 3. **Valuation Issues**: Appraising non-cash flowing properties can be complex, as the value is often based on future potential rather than current income.<h3>#### Financing Options for Non-Cash Flowing Properties</h3>1. **Bridge Loans** &nbsp; &nbsp;- **Description**: Short-term loans designed to provide immediate funding for property acquisition and initial improvements. &nbsp; &nbsp;- **Benefits**: Quick approval process and flexible terms. &nbsp; &nbsp;- **Considerations**: Higher interest rates and shorter repayment periods.2. **Hard Money Loans** &nbsp; &nbsp;- **Description**: Loans from private lenders secured by the property itself, often used for properties in need of significant renovation. &nbsp; &nbsp;- **Benefits**: Easier to qualify for with less stringent credit requirements. &nbsp; &nbsp;- **Considerations**: Higher interest rates and fees.3. **Construction Loans** &nbsp; &nbsp;- **Description**: Short-term loans specifically for funding construction or major renovations. &nbsp; &nbsp;- **Benefits**: Funds are disbursed in stages as work progresses. &nbsp; &nbsp;- **Considerations**: Requires detailed construction plans and cost estimates.4. **Seller Financing** &nbsp; &nbsp;- **Description**: The property seller finances the purchase, allowing the buyer to make payments directly to the seller. &nbsp; &nbsp;- **Benefits**: Flexible terms and potentially lower interest rates. &nbsp; &nbsp;- **Considerations**: Relies on the willingness of the seller to offer financing.5. **Equity Partnerships** &nbsp; &nbsp;- **Description**: Partnering with investors who provide capital in exchange for equity in the property. &nbsp; &nbsp;- **Benefits**: Access to funds without immediate repayment obligations. &nbsp; &nbsp;- **Considerations**: Sharing ownership and profits with partners.6. **Mezzanine Financing** &nbsp; &nbsp;- **Description**: A hybrid of debt and equity financing, where the lender can convert the debt to an equity interest in the property if the loan is not repaid. &nbsp; &nbsp;- **Benefits**: Flexible and can be used to fill gaps in financing. &nbsp; &nbsp;- **Considerations**: Higher cost due to the added risk for the lender.7. **Personal Loans or Lines of Credit** &nbsp; &nbsp;- **Description**: Using personal credit to secure funds for property acquisition and improvement. &nbsp; &nbsp;- **Benefits**: Quick access to funds and flexible use. &nbsp; &nbsp;- **Considerations**: Risk of personal liability and impact on personal credit.#### Preparing for Financing1. **Develop a Detailed Plan** &nbsp; &nbsp;- **Business Plan**: Outline your strategy for the property, including acquisition, improvement, and future income generation. &nbsp; &nbsp;- **Financial Projections**: Provide detailed projections showing the anticipated costs, timeline, and future cash flow.2. **Strengthen Your Financial Profile** &nbsp; &nbsp;- **Credit Score**: Ensure your credit score is strong to improve your chances of securing favorable loan terms. &nbsp; &nbsp;- **Collateral**: Be prepared to offer other assets as collateral to secure the loan.3. **Work with Experienced Professionals** &nbsp; &nbsp;- **Real Estate Advisors**: Seek advice from professionals who specialize in financing non-cash flowing properties. &nbsp; &nbsp;- **Lenders**: Work with lenders experienced in providing loans for similar projects.<figure id="figure-b6ny5pe8arly4t5apz"><img id="b6ny5pe8arly4t5apz" src="https://images.unsplash.com/photo-1531482615713-2afd69097998?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyN3x8YnVzaW5lc3MlMjBsb2FufGVufDB8fHx8MTcxOTY4MTE5Mnww&ixlib=rb-4.0.3&q=80&w=1080" alt="woman and man sitting in front of monitor" title="woman and man sitting in front of monitor" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure><h3>#### Conclusion</h3>Financing non-cash flowing properties requires creativity and a thorough understanding of available options. By exploring various financing methods and preparing a strong plan, you can successfully secure the funds needed to acquire and improve these properties.At Atlantic Commercial Lending, a Licensed Commercial Mortgage Brokerage with an NMLS ID #2429887, we specialize in helping investors find the right financing solutions for non-cash flowing properties. Contact us today for personalized advice and to explore your financing options.

How to finance properties that do not generate cash flow

<h3>#### Introduction</h3>Investing in industrial real estate can be a lucrative venture, providing stable income and strong appreciation potential. However, financing industrial properties requires careful planning and understanding of available options. This guide outlines key steps and financing methods to help you navigate funding your industrial real estate investment.<h3>#### Steps to Finance Industrial Real Estate</h3>1. **Assess Your Financial Situation** &nbsp; &nbsp;- **Credit Score**: Ensure your credit score is strong, as it will impact loan terms and interest rates. &nbsp; &nbsp;- **Financial Statements**: Prepare detailed financial statements, including income, expenses, assets, and liabilities. &nbsp; &nbsp;- **Down Payment**: Determine how much you can afford to put down. Typically, a 20-30% down payment is required for industrial properties.2. **Research and Select a Property** &nbsp; &nbsp;- **Market Analysis**: Conduct a thorough market analysis to identify areas with strong demand and growth potential. &nbsp; &nbsp;- **Property Inspection**: Perform a detailed inspection of the property to assess its condition and potential for income generation.3. **Choose the Right Financing Option** &nbsp; &nbsp;- **Conventional Loans**: These are traditional mortgage loans offered by banks and financial institutions, typically requiring a strong credit score and substantial down payment. &nbsp; &nbsp;- **SBA 504 Loans**: Provided by the Small Business Administration, these loans are designed for purchasing industrial properties and offer favorable terms with lower down payments. &nbsp; &nbsp;- **CMBS Loans**: Commercial Mortgage-Backed Securities loans are non-recourse loans pooled and sold to investors, offering competitive rates and terms for industrial properties. &nbsp; &nbsp;- **Bridge Loans**: Short-term loans used to finance the purchase and renovation of a property before securing long-term financing. &nbsp; &nbsp;- **Private Lenders**: Private lenders can offer more flexible terms and faster approval processes, though often at higher interest rates.4. **Prepare a Strong Loan Application** &nbsp; &nbsp;- **Business Plan**: Create a comprehensive business plan detailing the property's potential income, market conditions, and your management strategy. &nbsp; &nbsp;- **Financial Projections**: Provide detailed financial projections showing expected revenue, expenses, and profitability. &nbsp; &nbsp;- **Collateral**: Be prepared to offer collateral, such as other real estate assets or personal guarantees, to secure the loan.5. **Negotiate Loan Terms** &nbsp; &nbsp;- **Interest Rates**: Shop around and compare interest rates from different lenders to secure the best deal. &nbsp; &nbsp;- **Loan Term**: Consider the loan term length, balancing monthly payment affordability with total interest costs. &nbsp; &nbsp;- **Prepayment Penalties**: Be aware of any prepayment penalties that could impact your ability to refinance or pay off the loan early.6. **Close the Deal** &nbsp; &nbsp;- **Due Diligence**: Conduct final due diligence, including verifying property title, conducting environmental assessments, and reviewing all legal documents. &nbsp; &nbsp;- **Loan Approval**: Once the lender approves your loan, review the terms carefully before signing. &nbsp; &nbsp;- **Closing Process**: Work with a real estate attorney and your lender to complete the closing process, ensuring all documentation is in order and funds are properly disbursed.<h3>#### Conclusion</h3>Financing industrial real estate property involves multiple steps and careful consideration of various financing options. By preparing thoroughly and understanding the available loan products, you can secure the necessary funding to invest in industrial properties successfully.At Atlantic Commercial Lending, a Licensed Commercial Mortgage Brokerage with an NMLS ID #2429887, we specialize in helping investors navigate the complexities of financing industrial real estate. Contact us today for personalized advice and to explore the best financing solutions for your investment needs..

How to obtain financing for an industrial real estate property

<h3>#### Introduction</h3>Securing a loan is a significant financial decision that requires thorough understanding and careful consideration. Asking the right questions can help you get a clearer picture of the loan terms and ensure that you make an informed decision. Here are seven essential questions you should be asking your lender right now.<h3>#### 1. What Are the Total Costs Associated with This Loan?</h3>**Why Ask?** Understanding the total cost of the loan, including interest rates, fees, and any additional charges, helps you evaluate the affordability and compare different loan offers.**Follow-Up Questions:** - Are there any origination fees or closing costs? - What is the annual percentage rate (APR)?<h3>#### 2. What Is the Interest Rate and Is It Fixed or Variable?</h3>**Why Ask?** Knowing the interest rate and whether it is fixed or variable helps you understand your monthly payments and the potential for rate changes over time.**Follow-Up Questions:** - If the rate is variable, how often does it adjust? - What is the maximum rate it can reach?<h3>#### 3. Are There Any Prepayment Penalties?</h3>**Why Ask?** Understanding prepayment penalties can help you avoid additional costs if you decide to pay off your loan early or refinance.**Follow-Up Questions:** - How is the prepayment penalty calculated? - Are there any conditions under which the penalty would be waived?<h3>#### 4. What Are the Repayment Terms?</h3>**Why Ask?** Knowing the repayment terms, including the length of the loan and the repayment schedule, helps you plan your finances and understand your long-term obligations.**Follow-Up Questions:** - Is there a grace period before repayments begin? - Are there options for early repayment without penalties?<h3>#### 5. What Collateral Is Required?</h3>**Why Ask?** Understanding the collateral requirements helps you know what assets you need to pledge and the risks involved if you default on the loan.**Follow-Up Questions:** - Can personal assets be used as collateral? - What happens if the value of the collateral changes over time?<h3>#### 6. How Long Does the Approval and Funding Process Take?</h3>**Why Ask?** Knowing the timeline for loan approval and funding helps you manage your expectations and plan accordingly for your financial needs.**Follow-Up Questions:** - What documentation is required for the application? - Are there any steps I can take to expedite the process?<h3>#### 7. What Support and Services Do You Offer Post-Funding?</h3>**Why Ask?** Understanding the support and services available after the loan is funded helps you know what to expect in terms of customer service and assistance with managing your loan.**Follow-Up Questions:** - Is there an online portal for managing payments and account information? - What should I do if I encounter financial difficulties and cannot make a payment?<figure id="figure-kf82dfmigaly4rf33b"><img id="kf82dfmigaly4rf33b" src="https://images.unsplash.com/photo-1565272780803-ae715ce48855?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxOXx8NyUyMEVzc2VudGlhbCUyMFF1ZXN0aW9ucyUyMHRvJTIwQXNrJTIwWW91ciUyMENvbW1lcmNpYWwlMjBNb3J0Z2FnZSUyMExlbmRlcnxlbnwwfHx8fDE3MTk5NDU3Mjh8MA&ixlib=rb-4.0.3&q=80&w=1080" alt="city painting" title="city painting" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure><h3>#### Conclusion</h3>Asking these questions can help you gain a comprehensive understanding of the loan terms and make an informed decision. It's essential to feel confident and well-informed before committing to a loan, and a reputable lender will be willing to provide clear and detailed answers to all your questions.At Atlantic Commercial Lending, a Licensed Commercial Mortgage Brokerage with an NMLS ID #2429887, we prioritize transparency and customer support. Contact us today to discuss your financing needs and get answers to all your loan-related questions.

7 Essential Questions to Ask Your Commercial Mortgage Lender

<h2>Understanding Pre-Payments</h2>Prepayment penalties can be a significant consideration when securing a loan, as they can affect the overall cost and flexibility of your financing. Understanding these costs and how to avoid them is crucial for making informed decisions. This blog explores the implications of prepayment penalties and offers tips on how to avoid getting locked into unfavorable loan terms.<h3>#### Understanding Prepayment Penalties</h3>1. **What Are Prepayment Penalties?** &nbsp; &nbsp;- **Definition**: Prepayment penalties are fees charged by lenders when a borrower pays off their loan before the agreed-upon term ends. &nbsp; &nbsp;- **Purpose**: These penalties compensate lenders for the lost interest income that would have been earned over the full term of the loan.2. **Types of Prepayment Penalties** &nbsp; &nbsp;- **Fixed Penalty**: A set fee applied if the loan is paid off early. &nbsp; &nbsp;- **Percentage Penalty**: A percentage of the remaining loan balance. &nbsp; &nbsp;- **Sliding Scale**: Penalties that decrease over time, typically highest in the early years of the loan and reducing or disappearing in later years.#### Costs Associated with Prepayment Penalties1. **Financial Impact** &nbsp; &nbsp;- **Additional Costs**: Prepayment penalties can add significant costs, reducing the savings from paying off the loan early. &nbsp; &nbsp;- **Reduced Flexibility**: These penalties limit your ability to refinance or pay off the loan if your financial situation improves or if more favorable financing options become available.2. **Strategic Considerations** &nbsp; &nbsp;- **Long-Term Commitment**: Borrowers must commit to the full loan term to avoid penalties, which can be restrictive if business conditions change. &nbsp; &nbsp;- **Opportunity Cost**: The inability to refinance at lower rates or restructure debt can lead to higher overall borrowing costs.<h3>#### How to Avoid Prepayment Penalties</h3>1. **Review Loan Terms Carefully** &nbsp; &nbsp;- **Understand the Fine Print**: Thoroughly review loan agreements to identify any prepayment penalties and understand their terms. &nbsp; &nbsp;- **Ask Questions**: Clarify with the lender any uncertainties regarding prepayment penalties and their implications.2. **Negotiate Terms** &nbsp; &nbsp;- **Negotiate Penalty Clauses**: Some lenders may be willing to negotiate the removal or reduction of prepayment penalties, especially if you have strong credit or a robust business plan. &nbsp; &nbsp;- **Seek Alternatives**: Compare offers from multiple lenders to find loans with no or minimal prepayment penalties.3. **Consider Loan Type** &nbsp; &nbsp;- **Fixed vs. Variable Loans**: Fixed-rate loans often have higher prepayment penalties compared to variable-rate loans. Choose the loan type that aligns with your long-term financial strategy. &nbsp; &nbsp;- **Shorter Loan Terms**: Opting for a shorter loan term can reduce the risk of encountering prepayment penalties, as the loan will naturally be paid off sooner.4. **Explore Different Lenders** &nbsp; &nbsp;- **Credit Unions and Community Bank**: These institutions may offer more favorable terms, including lower or no prepayment penalties, compared to larger banks. &nbsp; &nbsp;- **Online Lenders**: Some online lenders provide flexible loan terms and may have less stringent prepayment penalties.5. **Prepayment Clauses** &nbsp; &nbsp;- **Soft Prepayment Penalties**: Look for loans with "soft" prepayment penalties, which only apply if you refinance with a different lender. &nbsp; &nbsp;- **Hard Prepayment Penalties**: Avoid loans with "hard" prepayment penalties that apply regardless of how the loan is paid off early.<figure id="figure-g3pvbbul6fly4r67v3"><img id="g3pvbbul6fly4r67v3" src="https://images.unsplash.com/photo-1562564055-71e051d33c19?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxM3x8bG9hbiUyMG5lZ290aWF0aW9ufGVufDB8fHx8MTcxOTk0NTI2N3ww&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" alt="woman signing on white printer paper beside woman about to touch the documents" title="woman signing on white printer paper beside woman about to touch the documents" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://images.unsplash.com/photo-1562564055-71e051d33c19?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwxM3x8bG9hbiUyMG5lZ290aWF0aW9ufGVufDB8fHx8MTcxOTk0NTI2N3ww&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>#### Conclusion</h3>Prepayment penalties can significantly impact the cost and flexibility of a loan. By understanding these penalties and taking proactive steps to avoid or mitigate them, borrowers can secure more favorable loan terms and better manage their financial commitments.At Atlantic Commercial Lending, a Licensed Commercial Mortgage Brokerage with an NMLS ID #2429887, we help businesses navigate the complexities of loan agreements, including prepayment penalties. Contact us today for personalized advice and to explore loan options that best suit your business needs without the burden of excessive prepayment costs.

Understanding Pre-Payments: Costs and Strategies to Avoid Loan Lock-Ins

white and black boat on sea dock during daytime

<h3>#### Introduction</h3>The repayment terms for SBA loans vary based on the type of loan, the purpose of the loan, and the specific agreement between the borrower and the lender. These terms are designed to provide flexibility and support to small businesses. Here’s a brief overview of the typical repayment terms for different type of SBA loans.<h3>#### Standard 7(a) Loans</h3>1. **Loan Purpose**: Working capital, equipment purchase, real estate acquisition, or business expansion. 2. **Repayment Terms**: &nbsp; &nbsp;- **Working Capital**: Up to 7 years. &nbsp; &nbsp;- **Equipment**: Up to 10 years. &nbsp; &nbsp;- **Real Estate**: Up to 25 years. 3. **Interest Rates**: Variable or fixed, depending on the lender and loan agreement.<h3>#### SBA Express Loans</h3>1. **Loan Purpose**: Short-term working capital, equipment purchase, or other immediate business needs. 2. **Repayment Terms**: Typically up to 7 years, but can vary based on the lender’s policies and the borrower’s agreement. 3. **Interest Rates**: Higher than standard 7(a) loans due to the expedited processing time.<h3>#### SBA 504 Loans</h3>1. **Loan Purpose**: Real estate purchases or major fixed assets like equipment. 2. **Repayment Terms**: &nbsp; &nbsp;- **Real Estate**: 10, 20, or 25 years. &nbsp; &nbsp;- **Equipment**: 10 or 20 years. 3. **Interest Rates**: Fixed rates for the CDC portion of the loan; variable or fixed for the lender portion.<h3>#### Microloans</h3>1. **Loan Purpose**: Small-scale financing needs, such as inventory, supplies, furniture, fixtures, and working capital. 2. **Repayment Terms**: Up to 6 years. 3. **Interest Rates**: Higher than other SBA loans, reflecting the smaller loan amounts and shorter terms.<h3>#### Key Considerations</h3>1. **Amortization**: SBA loans typically follow a fully amortizing schedule, meaning payments include both principal and interest, and the loan is paid off at the end of the term. 2. **Prepayment Penalties**: Some SBA loans may have prepayment penalties, especially if paid off within the first few years. It's essential to review the loan agreement for specific terms. 3. **Flexibility**: SBA loans offer flexibility in terms of use and repayment schedules, which can be tailored to meet the specific needs of the business.<figure id="figure-osgw9mansly4qpugq"><img id="osgw9mansly4qpugq" src="https://images.unsplash.com/photo-1616587224026-668840f26916?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3wyNjI5NjF8MHwxfHNlYXJjaHwyN3x8YnVzaW5lc3MlMjBtZWV0aW5nfGVufDB8fHx8MTcxOTk0MzM4OHww&ixlib=rb-4.0.3&q=80&w=1080" alt="man in black long sleeve shirt sitting on chair beside woman in black and white stripe" title="man in black long sleeve shirt sitting on chair beside woman in black and white stripe" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure><h3>#### Conclusion</h3>SBA loans provide various repayment terms based on the loan type and purpose, offering flexibility to accommodate different business needs. Whether you need short-term working capital or long-term financing for real estate, understanding the repayment terms can help you make informed decisions and effectively manage your business finances.At Atlantic Commercial Lending, a Licensed Commercial Mortgage Brokerage with an NMLS ID #2429887, we can help you navigate the SBA loan process and find the best terms for your business. Contact us today for personalized advice and to explore your financing options.

Atlantic Commercial Lending NMLS#2429887

Blog

Understanding Forward Commitments in Commercial Real Estate

How to finance properties that do not generate cash flow

How to obtain financing for an industrial real estate pro...

7 Essential Questions to Ask Your Commercial Mortgage Lender

Understanding Pre-Payments: Costs and Strategies to Avoid...

Understanding SBA Loan Repayment Terms