Commercial Loans

The key to the Company's success is its value-added approach to structuring commercial loans. Loans may be real estate and/or asset-based or both.  The Company may originate a loan on its own behalf as a direct lender; or it may originate  the financing request by preparing an underwriting file for a credit  facility with which it is associated.

It has affiliated relationships with bank and non-bank institutional lenders. Its value-added approach allows it to provide funding for non-conforming commercial loans in addition to traditional loans. 'Non-conforming' means either:

• Creditworthiness: applicant does not qualify for standard financing, or
• Structure: loan structure itself is non-standard
• Collateral: assets are non-traditional.

Examples of non-conforming loan structures are:

• Multiple lender financing for the purpose of business acquisition or reorganization
• Stand-alone mezzanine financing
• Mezzanine financing in conjunction with real estate construction/development
• Combination accounts receivable, purchase order and/or inventory financing
• Multiple lender financing in conjunction with an SBA 7(a) or 504 loan
• Pre-IPO mezzanine financing
• Debtor in Possession (DIP) financing
• Distressed property or distressed asset financing