Why hire a professional to structure your commercial loan?

Structuring the loan is part of the preparation of the package ready for review by the lender. When a borrower goes into a bank to discuss a loan, the loan officer will ask many questions and request many documents. The borrower then brings or e-mail the information necessary for the loan officer. If the loan officer simply passes that information to the subscriber, it is for the insurer to analyze the numbers and try to understand if the loan makes sense. “Structuring the loan” is the seasoned professional, financial expert ready to show why the underwriter for the loan makes perfect sense.

We analyze the numbers and provide the lender with key ratios so they can make a decision without having to search through the documents to see what is there. We know what the numbers are important to lenders that we have working relationships with. We know how to put assets together to show the full value of the transaction. We know how to show them what they need to know, saving time for the lender, and time savings for the borrower.


Structuring the loan is also critical in obtaining the loan requested. Lenders base their decisions on LTV, loan to values. By understanding the overall project and goals, we are able to integrate the assets, equity, Cross pledge, if necessary, to provide a low-risk scenario is more desirable for the lender.

Structuring the loan is a loan package preparation. This structure is very important for the lender and will determine if the loan is approved or denied. It is worth paying an expert to structure if you are serious about getting your loan.

All business owners time to call us to get a loan and they need money now, this week. Commercial loans are not made as quickly. Yes, a hard money loan can occur within 30 days if all documents are complete and ready to be submitted the day of the first telephone conversation. Which is rarely the case.

Sometimes you have business owners for several weeks just to get their financial documents and tax returns. (Lenders require a solid business plan, including revenue projections for the years to come.) If an appraisal is required, which takes a minimum of three weeks to six weeks. All these elements must be complete before a decision can be made by a lender. Only then the countdown begins to closing.

So as a business owner, please be aware that a commercial loan takes at least 60 days to close, and more. Plan accordingly and call sooner rather than later. Do not put always plan for your business.

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