COMMERCIAL PROPERTIES COME IN ALL SHAPES, SIZES and USES(4) Wholesale Commercial Lending (1) We specialize in the Small and Medium Balance Commercial Loan market. The loans we typically offer are $100,000 to $5,000,000 on the conventional side,  and up to $10,000,000 on the hard money side. Below is a list of the types of properties that we secure financing for as of  1/09/2009: Churches (Construction, Refinance, Rehab, Purchase, Expansion, FC Bailout) $75,000 to $30,000,000 Up to 80% LTV, 30yr Amortization, 3x to 4x Gross Revenue Qualifier Up to 30-yrs Amortization No Personal Guarantees No Tax Returns Mixed-use (with or without residential components) Medical/Dental Office Retail/Strip Centers Office Warehouse Self-storage Mobile home parks Automotive store (Parts, tires, mufflers, etc.) Grocery Stores/Markets/C-stores without gas Car Wash (Full Service & Coin-Op) Light industrial Office/Warehouse/Industrial Condo Industrial Assisted living facilities Auto repair and lube shops  Funeral homes Bowling Alleys Educational/Day Care Dry cleaners Restaurants Flagged hotel, motel, Bed & Breakfast Gas stations-FUNDS STILL AVAILABLE (Not a core product) Farms (Not a core product) Rooming houses (Not a core product) Multifamily Car dealers (New or Used) Properties w/excess land Land (commercial use land only) Unflagged hotel/motel Bolded Property Types Less Difficult to Finance. Un-bolded property types financing still available-more difficult. Strike out (strike out) property types financing currently not available. Property Occupancy  Owner/user Iinvestor Use of Funds  Purchase Money Refinance existing notes Cash-out refinance (limited due to current financial crisis) Bridge Financing (Limited due to current financial crisis) Documentation Type (Properties Must Cash Flow) Full Documentation--PREFERRED BANK RATE PRICING! Lite Income Documentation (2) (not available on all products) Stated Income/Stated Assets Documentation (2) (not available on all products) Maximum LTV's/CLTV's (3) 90% for Owner/User up to $4,000,000 (SBA-owner/user only) 75% Purchase 75 % R&T 50% Cash out Up to 85% CLTV's with Seller Carry 2nd or 90% with SBA Financing 65-70% on all true hard money transactions (may allow seller carry to 90% CLTV) *Not all property types or transaction types will be eligible for maximum LTV's/CLTV's NOTES ON SBA FINANCING 504 - New money transactions only ($125,000 to $10,000,000) for Real Estate & Equipment. 20-yr. Fixed Rate fully amortized for R/E. 10-yr terms for Equip. Business net worth not to exceed $8.5MM. 10% minimum equity injection required. 51% min. owner occupancy for existing structure. 60% min. owner occupancy for new construction. 7 (a) - Purchase or Refinance ($50,000 - $2,000,000) For Real Estate (Purchase/Construct/Refinance), Equipment, Provide working capital, construct lease-hold improvements, Purchase inventory.  Variable rates adjusting quarterly. Terms: 25-yrs R/E, 10-yrs equipment and business acquistion, 5-7 yrs working capital. All loans fully amortized Brokers: Up to 100 bps YSP pricing available on most products. (No YSP pricing available on  Churches, Multifamily, Special Purpose, Non-Core Products, SBA products, Investor loans over $2.5MM, or 1st/2nd piggyback combo financing transactions.) Become an approved broker, request a broker package: Broker Package Request (<--Click Here) New Products/Programs! Accounts Receivable Financing (Factoring) Purchase Order Financing Inventory Financing Structured Settlement Buy-outs Note Purchasing (Mortgages-Commercial or Residential) Business Note Purchasing UNSECURED COMMERCIAL LINES OF CREDIT Temporarily Discontinued(see below for special training materials) Our commercial mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new business property, refinancing a mortgage, or cashing out your business property equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right commercial mortgage loan for you. Not anyone else! Please navigate our website to learn more about us, what we do for you, and how easy it is to get started. Your Commercial Lending Pros: Bill Cochran loan_man@att.net Gregg Cochran cfrgroup@att.net (1) Not all markets or states served.  (2) Stated and lite doc programs have been severely limited due to credit crunch. (3) Not all properties or transaction types will be eligible for maximum LTV/CLTV's shown. Call for details. (4) Class I: Multifamily & Mixed-use. Class II: Office, Retail, Warehouse, Self-storage, MHP's, Auto Service (no dealerships). Class III: Special use/purpose; Hotel/Motel, Lt. Industrial, Restaurants, Daycare Centers.