Arch Creative Financial Solutions
When finding money is hard, we get creative.
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Commercial Programs
In private commercial lending, the decision is based on the “commercial asset” as opposed to relying specifically on a borrowers credit, financials, etc… By relying on the asset, private lenders are able to fund transactions that might not fit traditional lending guidelines. This allows us to provide honest answers quickly without the thousands in out of pocket expenses typically required.
A commercial private money loan is a good alternative to traditional bank financing. This alternative financing can be very beneficial to the borrower in many circumstances. Below are just a few of the reasons that a commercial private money loan may be appropriate for you.
When is a Commercial Private Money loan appropriate?
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You need a loan quickly and can’t wait the 3 to 6 months for a traditional bank loan
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You need a “bridge Loan”
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You do not qualify for traditional financing for whatever reason (income, tax returns, unique property, etc..)
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Transaction not standard and therefore falls out of traditional lending parameters
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Your credit is impaired
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Although you may have ample equity, you or your property has liens, judgments, unpaid bills, etc. that cash is needed to resolve
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You have ample equity in your property and need cash
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You need business working capital (see why private money is cheaper than factoring)
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Your property is occupied by your business, and your financials don’t tell the full story
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You need a loan without the documentation requirements of a bank (stated loan)
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You are trying to avoid foreclosure and restructure your debt
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You are a foreign national
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You need a complex loan with multiple pieces of collateral
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You need a creative solution to a loan that doesn’t fit other lenders
Multi-Unit Program
1-8 Units
2 and 4 Year Balloon Option
75% Loan To Appraised Value
Loan Amounts: $150,000-$2,000,000
500 Minimum FICO
14 Day Close
Low documentation.
Low up front points.
Simple application process.
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Construction Program
100% Land Ownership/
Unencumbered
Loan Amounts: $100,000+
100% Loan To Appraised Value
No Minimum FICO
14 Day Close
5 Year Interest Only Baloon
Low up front points.
Simple application process.
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Mixed Use Program
8 Units+
Warehouse/Auto Shop/Medical
75% Loan To Appraised Value
650 Minimum FICO
Loan Amounts: $200,000-$10,000,000
Low documentation.
Low up front points.
Simple application process.
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