How to Make Money with Arizona Commercial Loans

Arizona Commercial Loans is a name for a variety of different types of Arizona Business Loans that can be used to grow or expand a business or company. While a loan does typically require an initial investment, acquiring a loan can still be a great opportunity to increase capital and add to your overall earnings.

Commercial financing is a great way to grow your business and potentially increase your earnings. When used the right way, Arizona Commercial Loans can be a great way to make money and develop your business or company. Learning the right way on how to use these loans can be the best way to develop your business and earn a higher profit margin.

You can acquire commercial financing to pay for large investments that can dramatically expand your company or business. Most loan opportunities that are for commercial purposes are for a larger sum that can be paid off gradually over time. This means that a business owner can use these loans to cover large expenses. Since these loans are larger in size, they typically have long-term payment plans. This means that you can grow your business at your own pace and pay off your loan at a schedule that suits the purpose of your business or company.

• Have the flexibility to reach your dreams and meet your goals. One of the greatest benefits of commercial financing is the financial freedom that can be gained. Invest your lent funds in opportunities to further develop your company. This could be done through spending in marketing or new innovative products. Expand your staff or even grow to a new location.

• Pay off your loan at your own pace and find a schedule that fits your budget or financial goals. With affordable rates and flexible payment plans, a commercial loan can be paid off at your own schedule and at your own pace. This gives you the time to focus on your business and slowly pay of your loan.

• Create sustainability and growth within your business or company. Paying off a loan over time can build your credit score and lead to further financial freedom or opportunities. By making strategic decisions and slowly reaping the benefits of your investment, a loan can allow your business to develop exponentially.

What Can Commercial Financing Do for You and Your Company?

If you are hoping to grow your business or company, investing in Arizona Commercial Loans is the perfect opportunity to do so. This type of loan can allow you to expand your company at a pace that your budget can easily accommodate.

Commercial financing is a huge investment in both time and money but can ultimately be an excellent tool for the expansion and growth of your business or company.

Imagine how your business could expand or grow with new, exciting products or more members on your team of staff! A commercial financing opportunity could allow you the freedom to achieve this dream and much more. Consider a loan opportunity as a gateway to better your business.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC 
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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Tactics for refinancing your commercial loan

When it comes to refinancing commercial loans, you naturally want to qualify for the largest loan with the best terms. Learn some strategies to help you refinance your commercial mortgage

Once your commercial mortgage matures, why should you refinance, rather than selling the property? Refinancing can improve your monthly cash flow and if your property has appreciated in value, refinancing will enable you to pull out additional equity tax-free.

There are some significant differences when comes to refinancing commercial real estate. A Residential mortgage is usually fully amortized and can have terms of up to 30 years. Commercial mortgages have shorter lifespans of 5 to 10 years, and commercial borrowers typically need to refinance their mortgages on a regular basis. But The biggest difference between commercial and residential refinancing is the impact of net operating income on commercial property values.

Improve the income you receive from commercial property to improve the terms of your commercial loan

Net operating income has a considerable impact on commercial real estate values.

The value of commercial property increases if it can generate more income, regardless of property values in the immediate area.

Before refinancing the best strategy is to increase the amount of income your property generates. By maximizing the profit you receive from a property, you increase its value and can refinance to a larger mortgage with better terms. Some strategies to maximize cash flow could include improving the number or quality of your tenants or using renovations to raise rents.

Other things to consider when it comes refinancing you commercial loan

Always seek counsel about your strategy and your specific situation, but the following tactics should help you get the best loan at the best terms.

Use refinancing as a way to reposition your investment strategy or even expand your portfolio. The additional funds you get from refinancing can be used to repay your initial loan, any initial investors, or could be used to improve the property itself. Better yet you can use the additional funds from refinancing to purchase another piece of commercial property. Therefore refinancing can be used as a strategy to expand your investment portfolio and earn more money on a monthly basis.

Refinancing in all cases should improve your monthly cash flow. Refinancing to a loan with higher monthly payments and less favorable terms is of course not a good idea. Refinancing should entail lower monthly payments or should allow you to cash out any additional equity from your investment property.

Strategize to qualify for the best loan with the best terms. Know when your current loan matures and invest in the property accordingly. Over the duration of your loan ensure the condition of your property does not deteriorate. Better yet take consistent steps to improve your property over the term of your mortgage.

You should also aim for full occupancy before refinancing. Most lenders will offer favorable terms on properties with 90 percent occupancy over a period of 90 days. Losing tenants will drastically reduce the income from the property and therefore reduce its value.

In the end, the crux of refinancing a commercial loan is to optimize the profits a property can generate which will enable you to refinance at the best terms.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Tips to Obtaining Hard Money Loans Fast

Hard money loans are used for short-term projects, usually ranging from as little as 30 days to 5 years. But these loans also come with higher interest rates. But if you need to get extra finances quickly, this type of funding is the right choice for you.

Fast approvals are usually quite easy when it comes to hard money loans. On top of quick approvals, these loans also come with high flexibility and less documentation is required for approval. Usually they are used as a last resort when unable to get a mortgage, but it can be well worth it.

If you are looking to finance a real estate investment, this type of funding is very beneficial in its own ways. The application process is much shorter compared to other loans. Financial history of course does play a role, but other factors come into play as well. Many lenders aren’t concerned with the present value. Their main concern is to see that in a short time, they will be able to make their money back on the investment, including interest.

Since lenders are looking more at the final project, making plans for the property plays a big part and can help you get hard money loans even faster. Most of the time, funding is provided in just a couple of weeks. But if need be, you sometimes can get the funds as little as just a few days, all depending on the lender and certain circumstances.

The first thing to do to obtain a loan quickly is to gather all of the important documentation.

Gathering all of the important documentation and information needed for lenders is one of the most basic factors for a speedy process. Things that lenders are looking for include: what kind of property you are looking to invest in (residential, commercial, industrial or land), the estimated value of the property, the requested loan amount and how the loan with be paid back (this includes the terms of loan, the length and monthly payments).

Not only is the process of getting funds quick, so is the application.

Unlike other loans, hard money loans come with much easier applications. In fact, the application is only 5 pages long. The entire process will even go quicker if you are able to present all of the information that the lender needs sooner rather than later. This is why organization of all of your documents and plans come in handy.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Alternative Ideas for Helping You Obtain Commercial Loans Through a Broker

Why should you seek an alternative lender for your commercial loans? There are many benefits to going this route — Level 4 Funding explains them here, so read on.

You may think you’re alone if you’ve been rejected for a loan before or if you don’t have the requirements to seek a traditional loan. But there are lots of alternative ways to get approval for commercial loans. Even if you have a few bad marks on your credit history or not the highest credit score, or if it’s a matter to a tough economy making conservative banks tighten their wallets even more than usual, that doesn’t mean you aren’t destined to let a loan. Seeking other loans like short-term or hard money loan are good alternatives. If you talk to a broker about these options, they can help you get the best loan for your needs.

There are some differences between traditional long term commercial loans and short-term and hard money loans. First of all, these types of loans don’t typically require such a lengthy and strict application process, “red tape” and bureaucracy that often takes place with conventional lenders or banks, and longer term loans.

One of the most important things to keep in mind when seeking alternative loan options is that lenders that specialize in these look mostly at the probability that you will be able to pay back the terms of the loan back. However, it’s important to know that interest rates are typically higher with short term and hard money loans – this is because lenders are putting up a higher risk. The good news is that these loan applications often are much simpler and easier to get approved quickly than traditional loans, so you can get the money you need — and get it fast! However, high interest rates are worth it if it means taking your business to the next level. Even though you may have higher interest rates, getting this loan can make all the difference for the growth of your company and taking your company to the next level.

It’s important to meet with a broker to find out if a short term or hard money loan is right for you.

When you meet with them, be upfront about what you need and your business experience or history so that they can best help you get the commercial loans you need. Professional lenders and brokers can offer advice on how to prepare for the loan including what documentation you’ll need to submit. These will typically include your financial statements, credit report, business plan, bank statements (personal and business) and more.

Try not to get too stressed out about getting approval for your loan.

Yes, this is a high-stress situation; however letting your emotions get the best of you won’t help. Try to remember to take it one day at a time. There may be snags and setbacks, but keep your eye on the prize — getting your loan approved to help open or grow your business! There are lots of options so just keep in mind that if there is some rejection along the way, it doesn’t mean it’s the end of road for your business dreams. So find the one that’s right for you and you’ll be on your way to making your business dreams come true.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

How To Write Your Business Plan to Impress A Commercial Hard Money Lender

You want to do business? You’ve got to have a plan. There are numerous reasons why you need one and impressing a Commercial Hard Money Lender is one of them. If your business idea is good, get it down on paper! Don’t let lack of a good business plan ruin your eligibility of getting a loan.

First of all, congratulations on your entrepreneurial endeavor! If you’re reading this blog article, you’ve probably got a great business idea, or one “in the works,” and it has occurred to you that you might need a loan, might need to fill out a loan application very soon, and may very well be doing so with a Commercial Hard Money Lenders. Nothing reeks of professionalism, being prepared, genuineness, and strategic-thinking, than having prepared a business plan–a good business plan. Well–what is a good business plan, why do you need one, and how will your investors evaluate it?

You’ve got to get it down on paper. No one wants to talk about ideas with you that are floating around in your head without thoughtful and strategic back-up planning–not potential partners, lenders, vendors, real estate agents–the list goes on and on. A good business plan shows that you are serious, that you know what you are doing, and if you don’t know everything, it shows that you are more than capable of figuring it out. It brands you, explains your products and services, forces you to plan your goals and strategies, spells out agreements, sets values to the business, and is generally a wanted request of a Commercial Hard Money Lender when it gets down to completing a loan application.

If you have no idea as to how to write business plan–how about researching online? There are countless articles and how-to’s about getting started, what you need to know, and why it is important to have a written plan when it comes to requesting a loan or raising funds for your business idea. Most business plans do include the following that Commercial Hard Money Lenders are looking for–a strong executive summary, business and product/service definitions, targeted demographics, marketing/sales plan (online and offline), financials, partners and managers, an overview of yourself and the company, and more–not in that particular order.

Will Your Commercial Hard Money Lender Be Eager To Work With Your Business Plan?

There are many things that a Commercial Hard Money Lender considers when contemplating offering a loan. Your business plan is just one of them. While a Commercial Hard Money Lender is not there to scrutinize every detail of your plan, he/she will, 1) want to see that you indeed have one, 2) see that you have attempted addressing every area of a plan, most pointedly–marketing and financials, and, 3) realize that you are professional, organized, serious, and determined.

A Commercial Hard Money Lender Wants A Win-Win Solution. If Your Problem Is

Getting A Commercial Loan, Get Your Business Plan On Paper And Get A Date With A Hard Money Lender.

Commercial Hard Money Lenders are wonderful options when and if you may be turned down for a loan from a bank, and/or if you are in a rush in order to compete with other bidders. However, no matter what the circumstance, a business plan is always needed. If you expect investors–private investors–to loan you possibly hundreds of thousands of dollars, they’re going to want to see something in writing. Take it a step further even and create the real differences–not only provide a business plan, provide a good one!

 

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

About the author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true.

Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

 

Technorati Tags: commercial real estate loan,commercial hard money lender,commercial hard money lenders

What Are The Differences Between A Commercial Real Estate Loan and Residential Real Estate Loan?

 

Do you have the home of your dreams and are now ready to have the business of your dreams? Chances are good that you will need a loan. If you think that there are no differences between a Commercial Real Estate Loan and a Residential Real Estate Loan–think again. Here is a helping hand on generally what to expect.

Here is some good news! If you have a home, chances are that you’ve had, or do have, a Residential Real Estate Mortgage for your home–and you’ve had the chance to apply for and acquire a Residential Real Estate Loan. So, you’re not completely unaware of some of the process it takes to get a loan, in general. However, there are indeed key differences when it comes to applying for a Commercial Real Estate Loan for your potential business venture. More good news! Level 4 Funding can assist you with both types of loans with speed and flexibility. Let’s focus on Commercial Real Estate Loans here.

Ultimately, a lender will need key documentation and paperwork for thorough review in application of a Commercial Real Estate Loan and in order to consider approval for a potential loan quote. In some cases, the lender is a financial institution–a bank–and in cases where applicants need faster approval, are competing with others for a bid, or have not been approved by a bank, a Commercial Hard Money Lender like Level 4 Funding is the way to go!

With Commercial Real Estate Loans, the biggest difference is that your personal income is not considered in any way with respect to the application process. So, your personal finances are neither “here nor there,” and a moot point when it comes to business. With your Residential Real Estate Loan application, the information was essential. With your Commercial Real Estate Loan–not at all. The profitability of the commercial property is the focus–not your personal affairs.

 

What Other Expectations Should You Have About

The Differences With A Commercial Real Estate Loan?

As mentioned, with the application process for a Commercial Real Estate Loan, the consideration of profit on the property is most key. So, when preparing and submitting proper documentation and all back-up paperwork to a broker, etc., be ready to provide financial information on the commercial property itself, that is–income, expenses, rent, etc. These financial disclosures (statements) are essential, in addition to your business plan and more. Ultimately, the lender, even a Commercial Hard Money Lender, is surmising what income will be like for the property at soon as your doors open for business.

The good news is that A Commercial Hard Money Lender Wants A Win-Win Solution.

Collect Your Data, Research A Lender, And Get A Date For A Meeting

In Order To Be Successful With Your Commercial Real Estate Loan.

Commercial Hard Money Lenders are wonderful options when and if you may be turned down for a loan from a bank, and/or if you are in a rush in order to compete with other bidders. Once a lender receives all the proper documentation and paperwork, the assessment will begin and a quote will be made if you’ve been approved. The offer amount–rates, criteria, etc.–for your Commercial Real Estate Loan will depend on all of this information, plus various property evaluations. The focus is on profit,

 

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

About the author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true.

Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

 

Technorati Tags: commercial real estate loan,commercial hard money lender,commercial hard money lenders