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It is important to know the process behind commercial loan processing to gain an insight into how a financing institution assesses and determines on whether or not a loan is granted. While commercial loans provide an attractive source of income in terms of interest, lenders exercise lots of care in evaluating borrowers to ensure that funds lent out are recovered along with the earnings.
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The margin is where the bank makes its spread. It is a very complicated process for banks to figure out what to fee as they basically have to predict the future and take into account the probability of default, adequately cover their fees, and of course try to make a profit. At the same time the industry is highly competitive and they have to expense out their loans “skinny” enough to be able to bring in new borrowers.
The feasibility of real estate investments has traditionally included an enduring theme of “location, location and location” which reflects the importance of a specific locale for investing. This is still an important factor when lenders evaluate the prospects for commercial real estate loans involving both existing commercial properties and new construction. A lender is likely to be most comfortable with a stable to growing revenue stream for a business that may also in turn result in a stable to growing property valuation, so preserving collateral for the commercial mortgage loan.
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Your financial records are essential to the approval of the commercial loan application. Because the bank will need to understand how much debt you’ve already got and whether you’ve been able to successfully make your payments. After this, the bank will give you an application that may fill out and submit.
You need to be sure that you’re able to keep your up to date business running smoothly. If you’re unable to achieve this, or not certain, then investing a large sum of money and time into a commercial property investment can also not be right for you.
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