Archive for the 'Solutions' Category

15
Mar
12

Commercial Loan Broker in San Jose Ca

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Competitive Loan Rates, Commercial Loans

Commercial Loan Broker - Loan Officer

Investment real estate has been the preference of many investors seeking capital appreciation in prosperous times and capital preservation during adverse economic conditions. Carefully selected income producing real estate has consistently provided attractive returns through knowledgeable management. Few investors have the time and money to do this efficiently and choose to form a partnership.

Real estate partnering allows investors to leverage resources with others who share similar investment goals,  sharing directly in the benefits of owning larger, diversified real estate portfolios. Partnering also limits personal liability and maximizes Return on Investment (ROI).

The Fernandez Group (FZG) continues to build on its 14+ years in the loan origination industry. Originating commercial loans through a strategic partnership with Commercial Capital Ltd, FZG will broker commercial capital to small – medium businesses and real estate investors locally and regionally.

05
Nov
11

Donald and the economy

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05
Jul
11

New Rules for Money

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14
Apr
11

Banks Can’t Touch This!

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We close loans QUICK!Local Banks Can’t Touch Our Speed?

SPEED is the name of the game.  Sometimes you have clients who just need to close fast.  We can get the deals done QUICK, just check out these two closings…

Investor Refinance of a $1.2 million loan on a retail shopping center.  The client came to us after being denied by a local bank.  The note was due and the lender was willing to extend it on an adjustable loan but this borrower wanted a low fixed rate.  We closed her in 34 calendar days from app to closing BUT, she took 4 days to sign the commitment letter.  We could have closed this in 30 days!   We did this with our IN-HOUSE LENDING PROGRAM.   That was with a new appraisal, inspections, everything.  Her Rate? 5.9 fixed for 5 years.  

The borrower said at the closing, “Thank you SOOO much.  Orlando said I would be in good hands”.  If the borrower won’t hesitate, we can close conventional loans with great rates in 30 days consistently on our in-house program.

Discounted Note Deal closed in 8 days!  Sometimes people don’t have 30 days.  This guy was going to lose the property if he did not close by Wednesday.  The lender was calling the note and offered a deep discount if he would pay it off by a certain date-otherwise, they would execute the foreclosure.  He signed our agreement on Monday, March 28.  We ordered a quick review appraisal on the spot and had the file closed the following Wednesday-in just 8 business days through our private money fund.  This fund will look at any type of property as long as the deal makes sense.  It must be RE based, and we won’t go above 65% LTV but we can close lightning quick.  This borrower got $500,000 off on his note by closing on time and saved his property to boot!

The broker who sent the deal said, “Ernie called & is thrilled at how well everything went with the closing. He couldn’t thank me enough for getting this done in such a short time period. He now believes that I have the ability to get loans closed & will be sending referrals over my way.”   Closings beget more closings!

If you have a loan that needs to close quickly, or you know of someone who needs to close quickly, give me a call.  Our in-house lending and our private money fund are closing loans and fast. Call me today (888) 890-2416 or email at info@thefernandezgroup.com.

Perry Fernandez

P.S. We are closing commercial loans of all types, from the new High LTV 504 Refinances that can allow commercial refinances to 90% LTV all the way to private money transactions for people with “issues”, we can get them done!  Call me today at (888) 890-2416 for help for you or someone you know-we have money to lend!

13
Dec
10

Alternative Fuel for Small Business

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Alternative Fuel for Small Business

Don’t let the banks decide your business’s future. Take control of your future with a merchant cash advance. Even if you’ve been turned down by the bank, you can still qualify for this alternative fuel for small business.

Use the Money to:

  • Expansion / Renovation
  • Marketing & Advertising
  • Buy New Location
  • Increase Inventory
  • Buy Equipment
  • Make Repairs / Facility Upgrades
  • Avoid Taking on a Partner
  • Buy-Out Existing Partner
  • Recapture Your Invested Capital
  • Catch up on Bills or Taxes

Advantages

  • No Income or Asset Verification Needed
  • No Personal Guaranty Required
  • No Collateral
  • Fast Easy Application Process
  • No Application or Closing Fees
  • Good Credit not required
  • Merchant Processor Change not necessary
  • Flexible Repayment
  • Meet Your Goals to Grow Business
  • Tax Deductible

Things you should know about getting a merchant cash advance

How much is the interest on this? This is not an interest based loan, we provide a cash advance to you based on your past credit card receivables. The advance is repaid through a small percentage of each credit card transaction which accumulate to repay the funds that were advanced to you.

How does the payback work? In comparison to a bank loan which requires a fixed payment every month regardless of how your business performed that month, the pay back on a merchant cash advance, is accomplished by taking a small daily percentage of your future visa / master card sales. The business pays more towards the advance on its good days and less on its bad days.

Give me an idea of the payback? We cannot provide you any realistic numbers without analyzing your last 6 months of merchant statements. Every industry is different and every merchant is unique.

Bank vs. Credit Cash Advance: If you qualify for a bank loan, you will be personally responsible for the loan. If your business slows down because of unforeseen circumstances like equipment problem, flood, and earthquake and so on, the bank is still going to want their payment. But with a merchant cash advance, if your business slows down for any reason, your payments adjust down accordingly.

How does the money get to me? It is directly wired to your bank account of choice.

Do I have to change processors? In most cases, but not all. We will beat or meet the rates you are paying now. The process is very simple and takes only minutes.

How long does the whole process take? From the time we get your completed application and the necessary documents, less than 2 weeks.

What paper work would you need? A 1 page application, recent 6 months of your merchant account statements, a copy of your driver’s license, the first page of your business bank statement, a copy of your business license,  and a voided check of the account you want the funds to be wired into.

I am paying a very low rate for processing; will my rates stay the same? Absolutely nothing changes with your rates. We will match it exactly and/or lower it anywhere we can.

Can I pay the loan back early? Yes. At any time you may pay off the remainder of the note that you signed for.

Tell me about your processor? First American Payment Systems is one of the largest credit card processors in the country. They offer the best rates in North America.

The Fernandez Group is always looking to help our clients improve their business. Through our strategic partners, we can help you acquire business services from industry experts.

We provide invaluable services to small to mid-sized merchants throughout the United States. As a leading provider of working capital and related products, The Fernandez Group gives hard-working merchants access to cash for growth, improvement and the occasional short fall. Contact us at 1(888) 890-2416 or email us at info@thefernandezgroup.com

For more details CLICK HERE

22
Sep
10

Small Business, Big Opportunity

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HR 5297 passed the Senate last week.  This Bill is HUGE for small businesses and the economy.

So here is a super quick rundown of just some of the benefits and what they mean to businesses, focusing on a few of the HUGE changes to SBA and commercial lending and what they mean to the marketplace and the economy.

  • Increase of the guarantee on the SBA 7A loan from 75% to 90%.
  • Increase the SBA loan limits on the 7A loan from $2 million to $5 Million and on the 504 loan from $1.5 Million to $5.5 million.
  • Allows refinancing on the 504 Loan Program – THIS IS A GAME CHANGER.
  • Waive the SBA fees – Generally 2% of the loan amount, these fees are now waived until the end of the year.  This makes it cheaper to do these loans and saves borrowers thousands.

The benefits of the Bill will be felt for years to come.  Small businesses are the backbone of this country and by freeing up the credit available to them, by allowing them to consolidate and save money, by allowing the better run businesses and the larger businesses access to capital, we will see an increase in jobs, in revenue, and ultimately, in the economy.

As for us, we are about to get really busy writing up these loans for these hard working small business owners that are the engine of growth in this economy!

Here is what our commercial funding sources have recently closed:

  • Firehouse Subs Franchise – Loan Amount: $ 270,000 – Location: Louisville, KY
  • Self- Directed IRA Financing – Loan Amount: $118,000 – Location: Noblesville, IN
  • Firehouse Subs Franchise – Loan Amount: $ 272,000 – Location: Missouri
  • Self- Directed IRA Financing – Loan Amount: $ 172,122 – Location: Rehoboth Beach, DE
  • Multi-Family Purchase – Loan Amount: $1,650,000 – Location: Washington State
  • Self-Storage Facility Purchase – Loan Amount: $400,000 – Location: Georgetown, DE
  • Securities Financing – Loan Amount: $3,000,000 – Sandwich, IL
  • Retail Cash-Out Refinance – Loan Amount: $250,000 – Location:  Hamden, CT
  • Office/Warehouse Refinance – Loan Amount: $350,000 – Location: Davie, FL
  • Self- Directed IRA Financing – Loan Amount: $ 1,284,572 – Location: Bonita Springs, FL
  • Office Business Acquisition – Loan Amount: $1,780,000 – Location: Fort Wayne, IN
  • SBA Purchase – Loan Amount: $1,193,000 – Location: Bonita Springs, FL
  • Multi-Family Refinance – Loan Amount: $250,000 – Location: Crestwood, IL
  • Self- Directed IRA Financing – Loan Amount: $104,757 – Location: Brookhaven, PA
  • (4) Burger King Franchises Purchases – Loan Amount: $2,640,000 – Location: Louisville, KY
  • Ofc Purchase/Imprv/Working Capital – Loan Amount: $874,000 – Location: Allentown, PA
  • Commercial Business LOC – Loan Amount: $750,000 – Location: Porterville, CA
  • Firehouse Subs Franchise – Loan Amount: $ 290,000 – Location: Columbus, OH

If there is a commercial finance scenario that you would like for us to review, contact us at info@thefernandezgroup.com or call our office at (888) 890-2416.

No Dream is Too Big!

Perry Fernandez

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12
Jul
10

Rates as Low as 0%? Impossible!

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The benefits of our Commercial Loan Modification program are substantial and cannot always be quantified in dollars and cents.

For example, we can all agree that an interest rate reduction or the extension of your loan term to prevent a balloon payment or adjustable rate can be expressed in a simple math equation, right? On the other hand, consider the interest earned from increased cashed flow generated from those savings or the equity and returns gained by remaining in business during lean years which will only be realized by implementing a long-term solution.

See, most of our existing clients would not be in business today without the cash flow created by our strategic relationships with major commercial lenders. Imagine what it would be like if we were able to provide the same tangible, cash benefit to your business! Where would your business be in next three, five or ten years?

Submit your FREE Pre-Qualification today to see how much our Commercial Loan Modification can save you on the terms of your loan!


Free Cost Savings Analysis

We look forward to putting on paper the benefit of our program by providing you a Cost Savings Analysis at no cost or obligation!

Our free Commercial Loan Modification Pre-Qualification process gives us the information and insight we need to determine exactly how we can help you. All completed Pre-Qualification worksheets are reviewed by our seasoned negotiators and compared with previous loan modifications to determine the savings and cash flow we can add to your bottom line.

The typical turnaround for a no cost, no obligation Commercial Loan Modification Cost Savings Proposal is ten business days or less. Let one of our experienced negotiators review your Pre-Qualification worksheet to determine how we will can assist you today!

To receive your Free Cost Savings Analysis simply call our office at (888) 890-2416.

Remember, getting started is easy and costs you nothing to find out your potential savings!


Industry Leading Results

The good news is we are a full service company providing real-time status tracking via secure client portal. When it comes to your business investment you must be certain that you are working with a company that has your long-term best interest in mind.

Our Commercial Loan Modification staff consists of seasoned professionals with a minimum of ten years experience working directly with lenders in various capacities including underwriting, loss mitigation, valuation models and real estate law to ensure you receive the highest level of service, professionalism and results.

A careful approach and an understanding that your business needs to be positioned for long-term growth allows us to maintain a level of client satisfaction unrivaled in the our industry. We only take on new clients after thorough research and certainty that our solution will result in a strong value proposition for your business.

Feel free to contact one of our experienced professionals for more information on how we can serve your real estate and mortgage needs.


Contact Us

We are here for you and look for the opportunity to earn your referral business!

The Fernandez Group, a branch of a national commercial lending company, was started by Perry Fernandez to capitalize on the commercial loan requests. Over the years, we have learned the nuances of the commercial lending arena and now have the team in place to provide the great rates and flexibility of a broker with the underwriting knowledge of direct lenders. In so doing, we can fill the void between the local commercial bank with its slow approvals, rigid terms, zero follow-up and restrictive criteria and the “hard money” lenders who will give you 15%+ rates.

In fact, we will help structure the deal and can often get the loan approved with banks and lenders that you would be unable to get done. Plus, through a strategic alliance, we are a direct lender and correspondent lenders with several national banks–which means better pricing for you and your clients; and we have access to all of the nationwide lenders and direct conduits to Wall Street money.

As the numbers of deals we do grow, and the database of lenders that respect our underwriting grows, our ability to provide truly the finest service and terms available is reaching new highs. When you bring your deal to The Fernandez Group, you are getting a partner that will help you get the right deal for your dream. At The Fernandez Group, no dream is too big!

We are fast becoming the most proven player in the commercial lending space and we look forward to working with you to make your commercial dream a reality.

Think Big!

Perry Fernandez

888-890-2416
info@thefernandezgroup.com

http://thefernandezgroup.com

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30
Mar
10

Liquidity in an Illiquid Market

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Providing Liquidity to Illiquid Situations:

The Fernandez Group has private commercial real estate providers of debt and equity nationwide. They partner with, and provide initial transaction terms and due diligence with sponsors, investors, and borrowers who can co-invest on the following types of transactions:

1. Distressed note acquisition
2. Distressed note financing
3. Distressed asset financing
4. Project recapitalizations
5. Existing loans
6. New acquisitions
7. Short term bridge loans

Products consist of deals from $1MM to $7MM and range from 1 to 4 years. If you or your client is in need of such financing please contact our team by clicking on the following link: Submit Scenario

The Fund’s strategy is to be a provider of capital in this market, versus a buyer of assets.

The focus of the Fund will be to provide capital in the form of debt, participating debt, preferred equity and equity. The Fund seeks to work with the following sponsors:

  1. Sponsors who have an opportunity to repurchase their debt.
  2. Sponsors who are in need of recapitalizing or restructuring their existing debt.
  3. Sponsors who have new opportunities under contract (fee simple acquisitions or note acquisitions).
  4. Legacy lenders wishing to sell or joint venture their problem assets.  The Fund has developed a “private bad bank” model, designed to assist privately held community banks in removing troubled assets from the books without a write off and being able to maintain upside.

The Fund is focusing on the smaller balance space, and transactions in the $500,000-$10 million range.  Yield requirements start at 12% and increases based on the risk profile.  The Fund does not typically require recourse or yield maintenance, and transactions can typically be prepaid at any time.

If you or your client is in need of such financing please contact our team by clicking on the following link: Submit Scenario

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21
Jan
10

Severe Shortage in Development Financing?

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A recent article today suggested an upcoming shortage in the apartment market. Industry experts have predicted that because of limited resources for development financing, the demand for apartments will exceed supply by 2011. They also mentioned that shortage of rental and condo properties will continue to increase throughout 2014.

80,000 units will be built this year, 220,000 short of what is needed for the increase in demand. As a result of the shortage, NAHB (National Association Home Builders) is forecasting market rents to rise 8% – 10% through 2012 and 4% – 7% through 2015.

Due to the lack of development financing, some developers are shifting their focus from developing to now buying. For developers that are seeking debt and equity financing, for development or acquisition, The Fernandez Group is still funding.

Here are some general guidelines:

  • Normal construction loans to 65% loan to cost (LTC) for most commercial projects up to $10 Million
  • Hotel construction loans to 70% LTC in major metro markets to $8 Million
  • Strong development loans above $10 Million with a combination of debt, equity and mezzanine can get up over 80% LTC
  • A Trade Program that is sourced and vetted which can net a project up to $40 Million for $10 Million on deposit that never leaves the clients’ control
  • Rural development construction financing out West up to 85% LTC up to $5 Million
  • FHA construction financing up to 90% LTC from $2 Million to $5 Million
  • And,  SBA build out financing nationwide

To send your project financing scenario contact The Fernandez Group at info@thefernandezgroup.com or visit us online at http://thefernandezgroup.com

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