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Commercial & Construction Finance -Australia -Asia 2010 -Info For Borrowers & Brokers

gutenk — Wed, 08 Dec 2010 09:22:10 +0000

by historic.brussels

Commercial & Construction Finance -Australia -Asia 2010 -Info For Borrowers & Brokers

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Home Page > Finance > Commercial & Construction Finance -Australia -Asia 2010 -Info For Borrowers & Brokers

Commercial & Construction Finance -Australia -Asia 2010 -Info For Borrowers & Brokers

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Posted: Feb 26, 2010
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Commercial & Construction Finance -Australia -Asia 2010 -Info For Borrowers & Brokers

By: Philip

About the Author

The Commercial Finance Organization is Funded by many leading lenders & acts as a referral source for borrowers seeking funds. Any profits are distributed to further site development.

(ArticlesBase SC #1910343)

Article Source: http://www.articlesbase.com/ – Commercial & Construction Finance -Australia -Asia 2010 -Info For Borrowers & Brokers

http://www.commercialfinance.org.au

HOW TO HELP YOUR COMMERCIAL FINANCE APPLICATION SUCCEED -THE THREE CRITICAL FACTORS

These days, whether you are borrowing 0,000 for your first Propery Development or Refinancing a ,000,000 Equity Line of Credit, it’s all about a few critical factors in determining the Funding Application outcomes. Understanding these will give you a much improved chance of obtaining commercial funding.

RISK: It may well be a great Project, but if there are delays, cost increases, lower Sale prices, how will the Lender recover their money?

REWARD: See above. Lenders actually lend money to make a profit. Sounds obvious, but many borrowers forget this at their peril.

EQUITY: If you can demonstrate you have a significant amount of your own funds invested in the Project it always helps in getting to the front of the queue. After all, if the Lender wanted to build anything from a Rainforest Retreat in the jungle to an Apartment Complex in Adelaide using 80%, 90%, or 100% of borrowed funds , they could do it themselves.

SUMMARY: Various weighting factors & averages are applied to all the above. Knowing how to present this information is a key element, and can add much to your chances of success.

http://www.commercialfinance.org.au

FINANCE BROKERS! *We have an excellent program to assist you*

Finance Broker Support (“ABR” program)

Commercial Finance Comparison Lenders offers a full service back-office and deal management solution for professional finance brokers ( i.e. professionals engaged in regularly arranging finance on behalf of clients, for reward ).

The principle behind this service offering is that a professional finance broker is able to focus on obtaining and maintaining clients / relationships, while Commercial Finance Lenders handles the “admin” or “packaging” and “follow-up” elements of an application.

Professional finance brokers interested in this service are invited to join the Finance Broker Support program as an Authorised Business Referrer ( “ABR” ), and instantly receive the benefits of our complete back-office support structure. Our ABR network is growing to be one of the largest in the country – and the value of being part of a winning team under a recognised brand is becoming more and more critical for any independent broker or arranger of finance wanting to survive in this changing economic climate!

How does one go about submitting finance applications through Commercial Finance Lenders as an Authorised Business Referrer ( “ABR” )?
Simply follow the three steps below, and Commercial Finance Lenders would be delighted to assist with your clients’ applications:

1. Apply with us to Register as an “Authorised Business Referrer”, and you will receive contact from our office within one business day;

2. We may require some basic information ( profile / brief CV + registration / MFAA information ),

and upon receipt / approval will activate your ABR registration. Registration is free and instant (upon activation );

3. Submit applications on behalf of clients – Simply log in ( if you haven’t already ) and complete the very basic one page finance application / information form.

How does the submission of client transactions / applications work in practice? Commercial Finance Lenders simply requires an ABR to log in and complete + submit the basic one page application / information form; We ask the ABR only to forward us a signed mandate ( generated
automatically when the deal / application is logged ), and any documentation they may already have in respect of the client / deal.

Thereafter, we are happy to liaise with the client ( i.e. the person requiring finance ), provide advice,
collect all required documentation for submission to appropriate financiers / capital providers, and manage the sign-up / closing of the transaction. We are able to advise clients at the outset ( i.e. upon initial receipt of the application and supporting documentation ) as to the prospects of success of their application.

In cases for example where we are aware of circumstances ( from experience ) that mean a client’s application is highly unlikely to be successful, we are able to save the client the time and trouble of submission and follow up. We are often also able to suggest alternative structures of products which may in the circumstances accomplish the same result for the client.

All communications with the client are typically copied to the ABR, and the ABR is sent regular weekly updates on the progress of all transactions / submissions; Should the ABR prefer us not to deal with the client ( i.e. for all communication to flow solely through the ABR ), this can be accommodated, but the ABR needs to make specific note of this when submitting the application to Commercial Finance Lenders. We do caution however that this tends to slow down the process, and we find this defeats a great deal of the benefit to the ABR from our offering ( i.e. the ABR still needs to be actively involved in the packaging / submission of applications ).

What information / documentation is necessary from my client, in order for an application to be submitted by Commercial Finance Lenders? Although each financial product or capital structure to be arranged may have a unique or specialised ‘recipe’ of required documentation, most applications or capital structures will require the submission of at least the following basic five items of standard documentation, eg: full personal & company A & L , Project Cashflow, Business Plan, completed Questionaire & Application.

What benefits are there for a professional finance broker in joining our ABR Programme?

Independent or even affiliated finance brokers who join Commercial Finance Lenders as ABR’s, receive the following advantages: Credit markets and financiers have become very conservative, given the global credit crisis and volatility in the world’s financial markets.

Approval rates for applications for most forms of finance have halved ( or worse ), and now more than ever an application for finance needs to be diligently and skilfully prepared / packaged in order to stand a chance of being approved; Our team is specifically skilled and experienced in this aspect, and is able to seamlessly add this value to any application referred through Commercial Finance Lenders.

Commercial Finance Lenders & associated Partners has contractual relationships to provide business to more than 30 various financial institutions and capital providers, many of whom may be more aggressive or have a specific appetite for a particular type of finance.

We are uniquely able to analyse any application, and submit it to the most appropriate financier or capital provider ( and often are able to submit to multiple financiers ). This ensures the best possible chance of a successful application for your client.Due to the volume of applications submitted by Commercial Finance Lenders to financiers, we are usually able to obtain better service and turnarounds than our ABRs or their clients may be able to alone. In this way, your clients benefit from our aggregated input to banks / institutions and clients’ applications are taken seriously.

In addition, in this market we find that Banks and Financiers are not prepared to accept referred applications, unless a broker has a very significant deal flow, and they have pulled / cancelled referral contracts with all but the largest volume referrers.

What fees or commission can I earn as an Authorised Business Referrer?
The ABR business model is very simple – 50% of the commission or fee actually received by Commercial Finance Lenders in respect of a successful transaction or application, is shared with the ABR who referred the transaction or application.

Higher percentages are shared with the ABR in circumstances where monthly finance volumes exceed certain thresholds;

It should be noted however that further terms and conditions may apply and are governed by specific contractual agreement to be entered into between Commercial Finance Lenders and the ABR.

Does my client pay more if the deal / application is referred through the ABR Program?
No – Commercial Finance Lenders shares its income with the ABR, and the client does not pay any more by virtue of being introduced by an ABR;

What does it cost my client to have Commercial Finance Lenders assist with a finance application?
We work purely on risk – i.e. there is no fee or commission earned by Commercial Finance Lenders (or therefore by an ABR ) unless an application is successful in receiving an offer.

In respect of a number of the more complex finance applications ( such as Commercial Property Finance ), we may charge a service / funding fee in the order of 1.5% to 2.5% ( excluding GST ) of the principal value originated. This would however be communicated prior to submission to financiers ( after initial evaluation by us of the application ), and it would naturally be up to the client to accept or reject our proposed fee – in any event, this fee would be the same as would be charged on personal application by the client.

It should be noted that any fee raised by Commercial Finance Lenders on this basis is completely separate from fees levied by the financiers, who may well charge their own raising or documentation fee.

DON’T DELAY -TOLLFREE CALL TODAY!

In Australia 1300 776 703

http://www.commercialfinance.org.au

Retrieved from “http://www.articlesbase.com/finance-articles/commercial-amp-construction-finance-australia-asia-2010-info-for-borrowers-amp-brokers-1910343.html”

(ArticlesBase SC #1910343)

Philip -
About the Author:

The Commercial Finance Organization is Funded by many leading lenders & acts as a referral source for borrowers seeking funds. Any profits are distributed to further site development.

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Article Tags:
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Commercial & Development Finance Australia -Asia 2010

gutenk — Tue, 07 Dec 2010 09:38:10 +0000

by historic.brussels

Commercial & Development Finance Australia -Asia 2010

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Home Page > Finance > Commercial & Development Finance Australia -Asia 2010

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Posted: Feb 26, 2010
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What is commercial insurance?

gutenk — Wed, 04 Aug 2010 09:23:32 +0000

Prayitno

(Photo)

Are you new to the company? Or maybe running for years? Whether a new or existing, make sure you know how to protect them. When accidents happen, are you ready? Are you protected?

commercial insurance is an important protection against theft, damage and liability. It is your protection against high out-of-charge. It also provides coverage for business interruption and employee injuries.

There are several types of insurance are still the most popular are: property insurance, general liability and workers compensation. Learn more about these common species know to ensure that the company you started to grow protected.

insurance pays for loss or damage to property and personal belongings. It protects against physical damage and losses in case of theft or other disasters. An example would be insurance for the fire damage to your office or company party. It would also damage caused by earthquakes or floods demolition.

Although not limited to such damages, you can also use an additional coverage would be that your growing business needs. This extra coverage for your business premises: boilers and machinery insurance and insurance to refuse, builders insurance, glass insurance, business interruption coverage, regulations or laws insurance, renters coverage, crime insurance and fidelity bonds.

boiler and machinery insurance is also known as equipment failure or mechanical breakdown reporting. It provides coverage for the random distribution of boilers, machinery and equipment. With this type of coverage you will receive compensation for property damage and business interruption losses.

Debris removal insurance is exactly what you think it is. It covers the cost of removal of debris after a fire, flood, earthquake or storm. Your regular insurance may cover the costs of reconstruction, but not for the removal of debris. />

regulation or law insurance covers all costs for demolition and construction, if your company is in breach of the code when your building (about 50% destroyed). Tenant negligence of its employees would be reporting on your property.

Crime Insurance on the other hand, would in case of theft, burglary and theft of money, securities, stock and office equipment by employees and outsiders. Fidelity bonds would cover losses caused by employee theft of company assets and money.

We also have liability insurance. This covers damage you cause to others. If someone complains about personal injury or property damage, this type of insurance you for the cost of defending and resolving the suit, which might to do.

There are four specialized types of insurance. They are as follows: Errors and omissions insurance or professional liability professional liability insurance, car insurance and driver’s liability insurance.

errors and omissions insurance is covered, if the act was a random error and not just because of the bad decision or intentional conduct. Professional Liability is usually known as professional liability insurance will pay for the damage caused by injuries to third parties when a professional treatment is covered by the professional medical standards.

Commercial vehicle insurance covers cars, vans, trucks and trailers, you [deleted] [deleted] sed in your company. This covers damage, theft or if the driver is a violation of a person or damage to property. Directors and officers liability coverage includes all actions against the directors and executive officers of a company.

Finally, the AUV. This covers you for your employees at work, accidents or even death. Some laws require companies to carry workers or other type of AUV. Most of the time, workers comp to prohibit employees from negligence to an action against an employer for work-related injuries bring.

If you want to take care of your business, make sure you are insured. Or their property, general liability and accident insurance for employees. Business and commercial insurance go hand in hand, as this is a necessary investment for you and your business. It is also important to the insurance agent or broker, that if these difficult times arise, depending know. Like a business transaction, the purchase of commercial insurance are made with caution. Check the insurance company or broker if they are registered with the Better Business Bureau. When she graduated, A +, the better you can rely on them.

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Commercial Finance- Hard Money

gutenk — Tue, 02 Mar 2010 09:01:41 +0000

The Merriam- Webster Online Dictionary defines hard as:

“1 a: not easily penetrated: not easily yielding to pressure b of cheese: not capable of being spread: very firm

2 a: of liquor (1): having a harsh or acid taste (2): strongly alcoholic b: characterized by the presence of salts (as of calcium or magnesium) that prevents lathering with soap

3 a: of or relating to radiation of relatively high penetrating power: having high energy b: having or producing relatively great photographic contrast

4 a: metallic as distinct from paper b: of currency: convertible into gold: stable in value c: usable as currency d: of currency: readily acceptable in international trade e: being high and firm

5 a: firmly and closely twisted b: having a smooth close napless finish

6 a: physically fit b: resistant to stress or disease c: free of weakness or defects

7 a (1): firm definite (2): not speculative or conjectural: factual (3): important or informative rather than sensational or entertaining b: close searching c: free from sentimentality or illusion: realistic d: lacking in responsiveness: obdurate unfeeling

8 a (1): difficult to bear or endure (2): oppressive inequitable b (1): lacking consideration, compassion, or gentleness : callous (2): incorrigible tough c (1): harsh, severe, or offensive in tendency or effect (2): resentful (3): strict unrelenting d: inclement e (1): intense in force, manner, or degree (2): demanding the exertion of energy : calling for stamina and endurance (3): performing or carrying on with great energy, intensity, or persistence f: most unyielding or thoroughgoing

9 a: characterized by sharp or harsh outline, rigid execution, and stiff drawing b: sharply defined: stark c: lacking in shading, delicacy, or resonance d: sounding as in arcing and geese respectively —used of c and g e: suggestive of toughness or insensitivity

10 a (1): difficult to accomplish or resolve: troublesome (2): difficult to comprehend or explain b: having difficulty in doing something c: difficult to magnetize or demagnetize

11: being at once addictive and gravely detrimental to health

12: resistant to biodegradation

13: being, schooled in, or using the methods of the natural sciences and especially of the physical sciences

14: of money: contributed (as by individuals or political action committees) directly to a particular candidate or campaign

Synonyms: hard difficult arduous mean demanding great exertion or effort. Hard implies the opposite of all that is easy . Difficult implies the presence of obstacles to be surmounted or puzzles to be resolved and suggests the need of skill, patience, or courage . Arduous stresses the need of laborious and persevering exertion . ”

As used in this article, hard money is intended to convey the idea that because of the current economic conditions, many financing needs will be more difficult to accomplish. They will require great exertion and effort to overcome the economic obstacles of the current economy. Compared to 2006 and 2007, periods of relatively easy money, to obtain financing today you will have to have firm, definite facts to support your financing needs. And the cost of money will be more difficult to bear. Hard money is harder to find, harder to obtain and harder to repay. Nevertheless, hard money may be an economic necessity as a means to an end to grow a business or complete a real estate transaction.

Why is 2008 a time of hard money? This is a difficult question to answer. If you ask 3 experts you probably will get three different answers. It may be the economic equivalent of The Perfect Storm- a True Story of Men against the Sea. The phrase perfect storm refers to the simultaneous occurrence of events which, taken individually, probably would be far less powerful than the result of their rare combination. These occurrences are rare by their very nature, so that even a slight change in any one event contributing to the perfect storm would lessen its overall impact. The stock market crash of 1929 and following depression exemplifies a perfect storm of economic consequence.

What are these events today? 1) The Mortgage Melt-down. Major financial institutions in the United States are incurring billions of dollars in losses due to the loss in valuation of their investments in mortgage securities. The consequence for borrowers is that these institutions are less inclined to take risks when loaning money for fear of additional losses. And their regulators are demanding that regulated lenders raise their credit standards for borrowers to qualify for a loan. 2) The devaluation of the American dollar versus other world currencies. The U. S. government is spending ginormous amounts of money in excess of what it collect in revenue due to the political compulsion to spend taxpayers’ money, the war in Iraq, Hurricane Katrina (and other natural disasters) and the war on terrorism. This makes our currency less valuable. It makes importing to the U. S. more expensive. The American people have less money to spend on goods and services, and their money buys less than it did a year ago because prices of necessities such as gasoline are higher. 3) The current tendency of Federal and State governments to reduce funding for social services, health services and education because of inadequate revenues; this hurts individuals and businesses who have less money to spend on products and services which creates additional drags on our economy. 4) The diminishing value of residential real estate all across the United States. This is related to the mortgage meltdown and the fact that many people incurred debts that they cannot repay. The real causes of these events are complicated and beyond the scope of this article. Suffice it to say that these are hard times and hard times create needs for hard money loans.

What exactly is hard money? Here are seven examples:

1) A commercial real estate loan where the borrower receives funds based on the value of the property, usually 50% or less, at an interest rate higher than a bank would charge. This is the most commonly understood type of hard money. In this financing, neither the income from the property or the borrower demonstrably supports the repayment of the loan.

2) A real estate loan to buy a residential property where the borrower cannot prove their income. This may be accomplished with financing from a seller, the only party willing to take the risk of non-payment.

3) A small junior lien on income producing commercial real estate where the first lien is very large. For example, a million dollar second lien behind a ten million dollar first lien. Most lenders simply do not want to consider a loan of this type because of the potential liability for repayment of the first lien. It is ten times the risk of the secondary loan.

4) Most loans to people with less than excellent credit. Many loans are based on credit scoring. If you do not have a credit score that is high enough for the lender’s requirement, you simply do not get their loan and you may or may not be able to find a hard money loan to accomplish your objective.

5) Accounts receivable financing to construction contractors, medical providers and sellers of agricultural products. Most factors do not offer to these sectors of the economy because of the risks and complexities that are involved.

6) Purchase order financing for items with gross margins less than twenty percent. The twenty percent margin is a benchmark for sufficient profitability in a transaction to pay all financing costs and create profits for the business after all costs are paid. During hard economic times margins are squeezed. It is a vicious cycle.

7) Loans to businesses that are particularly negatively affected by the current economy. For instance, a loan to build a new lumberyard is impacted by the downturn in new real estate construction and a lower need for lumber. Most banks would simply decline to consider such a loan. The same is true for developers seeking to build new housing tracts or office building developments. This is not a good time to try to start a new mortgage brokerage company; although it may be a good time to be a hard money lender provided that you are very, very careful in assessing your transactional risks.

What do all of these situations have in common? In times of easy money these situations would be less costly to finance and more likely to receive funding. Today, the lender’s answer to your request for funding is more likely to be a polite but strong “no way”. Many lenders have effectively (if not actually) shut their doors. Many lenders will simply decline to lend on hotels/motels, gas stations, owner/user properties, properties with any environmental issues. Borrowers who do not have FICO credit scores above 680, with substantial net worth and income will find it is very difficult to obtain many types of loans. Fortunately, the door for accounts receivable financing is still wide open.

The bottom line: Hard times in our economy will tend to force more individuals and businesses to borrow hard money- if they are able to get any money at all. Commercial financing with hard money will tend to grow as traditional sources of financing from banks and institutional lenders simply will not be available.

www. greggfinancialservices. com

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Business Financing Advice – Commercial Lenders To Avoid

gutenk — Tue, 16 Feb 2010 09:00:48 +0000

This business financing strategy article will describe the importance of avoiding “problem commercial lenders”. The article will NOT name specific lenders to avoid, but key examples will be provided to illustrate why prudent commercial borrowers should be prepared to avoid a wide variety of existing commercial lenders in their search for viable business financing strategies. I have been advising business owners for over 25 years, and I have encountered many business financing situations which have involved commercial lenders that I would not recommend as a result. These problematic situations have especially involved commercial mortgage loans, business cash advance situations and unsecured working capital loans. As a direct result of these experiences and daily conversations with other commercial loan professionals, I do in fact believe that there are a number of commercial lenders that should be avoided. This conclusion is typically based on more than one negative experience or an obvious pattern of lending abuses. I have published many commercial loan articles which are designed to assist commercial borrowers in avoiding business loan problems. One of the most serious business financing situations is a commercial lender that causes business loan problems for their commercial borrowers on a recurring basis. It is particularly this type of commercial lender which prudent commercial borrowers should be prepared to avoid unless viable alternative business financing options do not realistically exist. Here are a few examples of why certain commercial lenders should be avoided. BUSINESS FINANCING STRATEGIES AND COMMERCIAL LENDERS TO AVOID EXAMPLE NUMBER 1 – Yes or No? I have published an article which discusses the tendency of many banks to say “YES” when they mean “NO”. Such banks will typically attach onerous business financing conditions to commercial loans instead of simply declining the loan. Business owners should explore other commercial loan alternatives before accepting business financing terms that put them at a competitive disadvantage. BUSINESS FINANCING STRATEGIES AND COMMERCIAL LENDERS TO AVOID EXAMPLE NUMBER 2 – The Commercial Appraisal Process For commercial real estate loans, commercial appraisals are an unavoidable part of the commercial loan underwriting process. The commercial appraisal process is lengthy and expensive, so avoiding commercial lenders which have displayed a pattern of problems and abuses in this area will benefit the commercial borrower by saving them both time and money. BUSINESS FINANCING STRATEGIES AND COMMERCIAL LENDERS TO AVOID EXAMPLE NUMBER 3 – Think Outside the Bank In smaller metropolitan markets, it is not unusual for a dominant commercial lender to impose harsher commercial loan terms than would typically be seen in a more competitive commercial financing market. Such commercial lenders routinely take advantage of a relative lack of other commercial lenders in their local market. An appropriate response by commercial borrowers is to seek out non-bank business financing options. It is neither necessary nor wise for commercial borrowers to depend only upon local traditional banks for working capital and business cash advance solutions. For most business financing situations, a non-local and non-bank commercial lender is likely to provide improved commercial financing terms because they are accustomed to competing aggressively with other commercial lenders. BUSINESS FINANCING STRATEGIES AND COMMERCIAL LENDERS TO AVOID EXAMPLE NUMBER 4 – Meaningless Pre-approvals Commercial borrowers frequently want a commercial lender to approve their commercial loan at the earliest possible point. The assumed benefit to this early business loan approval is that it will enable the commercial borrower to make other business plans which depend on the business financing being finalized. Because an ethical commercial lender will treat any form of an approval very seriously, commercial borrowers should expect that a meaningful version of such an approval will not be realistically possible in just two or three days. Nevertheless there are commercial lenders who provide their own special version of a pre-approval within just a few days of receiving preliminary application information. Because this abbreviated approach to pre-approvals almost always produces unexpected surprises for the commercial borrower as the business financing process goes forward, commercial borrowers need to be extremely wary of any commercial lenders that take this approach. Why do some commercial lenders provide such meaningless pre-approvals? There are two likely reasons. (1) To motivate the commercial borrower to stop considering other potential commercial lenders. (2) To provide a pre-approval that is similar to a structure prevalent with residential mortgage loans. Since many business loans are arranged by residential mortgage brokers who are frequently unfamiliar with common business financing procedures, this reason will be especially applicable when dealing with commercial lenders that specialize in dealing with residential mortgage brokers. Copyright 2005-2007 AEX Commercial Financing Group, LLC. All Rights Reserved.

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