​​So the first thing we want to know is what your immediate needs are. Once we have been able to analyze those needs then we can then begin our journey together in reaching all of your goals presently and for the future. Allowing us to maximize growth and reach your true potential.  
No Mumbo Jumbo words just real actionable words that are for your business needs. We are not the guys who just are available on the phone. We are the group who will be your new and exciting team that will create momentum for you and your organization immediately.

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Depends on amount of time and work. 

Finished Quickly & Efficiently!

Financial Solutions -Residential & Commercial / Business Loans
& Personal Loans
  1. Managing Director
  2. Managing Director
  3. Managing Director
  4. Managing Director


MOST Common Loans CLOSING Right NOW!!

Bank-FORCED Refinances:
   - 90% to 50% LTV
   - 10 to 20 Day Closings Possible
   - YOU are the HERO when "dumping Bank" takes a DISCOUNT on Pay-Off!!
   - Owner-Occupied/User Properties in 39 States
   - Investor-Held (N.O.O.) Properties in 34 States

INVESTOR-Held Purchases & Refinances:
    - FAST Closings in 10 to 20 Days
    - LTV from 60% to 50% based on Property Type (Line #1 to #17 on Rate Sheet)
    - Available in 34 States ONLY (see Rate Sheet for Full List)

OWNER-OCCUPIED User Purchases & Refinances:
  - Multi-Use (Offices/Warehouses/Some Retail) Purch. or Refi. to 90% LTV with SBA
   - Special/Single-Use (#4 to #17) Purch./Refi. from 80% to 85% LTV with SBA
   - New Construction or Major Expansion 75% to 80% LTC with SBA
   - "Non-SBA" Closings in 10 to 20 Days (60% to 50% LTV)
   - SBA Takes 35 to 55 Days usually
   - Available in ALL 39 States
   We arrange up-to-100% financing for Worldwide Commercial Funding via The Sinking Fund Structured Debt Program - for all industries, and all locations (EXCEPT projects located in the USA, and films/movies), $20 Million USD to $20 Billion USD.  

Client MUST have 2%-5% of their own funds in liquid cash, and be able to provide proof of funds for at least 2% of the loan amount in liquid cash at submission. BROKERS WELCOME.  

NOTE:  If your project is in the USA, and/or doesn't qualify for the Sinking Fund, see the P.S. at the end of this message for information about the other loan programs we offer.

**We have a NEW, Easier and Quicker submission process so you find out if the lender is interested in your project BEFORE you fill out forms!  Most clients get an answer within 10 business days as to the next steps.**

To Apply Email and provide the following:
1.  Project Name
Country where Project is located (Projects in the USA do NOT Qualify) - We have another source for those!
3.  Industry 
4.  Brief, 1-2 sentence description of project- Summary
5.   Amount Needed - $20 Million USD - $20 Billion USD- A corporate letterhead with request of funds needed
You MUST include Proof of funds for at least 2% of the loan amount  - POF must be in the form of a recent letter (within 7 days) from the financial institution holding these liquid funds and must include this information: 
    a)  Name of the account holder (this must be one of the borrowers and/or a major shareholder in the borrowing company.  Funds cannot be from a third-party or a loan)
    b)  Contact information including phone number and official bank email address of the bank officer - note: this POF will be verified with the bank prior to setting up a conference call
     c)  Amount available in the account (in USD or local currency)
    d)  Statement that the funds are
liquid, and free and clear of liens and encumbrances (in other words, the money is freely able to be used by the client)
    e)  Statement that the bank is able to wire money to a US bank at the client's request (confirming there are no issues exporting money from that country to the US escrow account, later in the process)
No other proof of funds (i.e. screenshots or bank statements) is acceptable.  

See below for why proof of funds is required.  
I'll then contact you to arrange a phone call to go over the program and answer any questions you have, prior to submitting the loan request to the lender. 

Once submitted, you'll usually hear within 5-10 business days if the lender is interested in reviewing the project for funding, and you'll be sent additional forms to fill out. 

More Information about our Loan Program: 

Our primary LENDER has 40 years experience providing Senior Debt Financing and has closed over $134 Billion in worldwide projects in the last 10 years.  They are interested in: 
-   Worldwide Business Ventures, Startups, and Commercial Real Estate Transactions 
              (EXCEPT Projects located in the US, and films/movies)

-  Up to 100% Financing
-  The borrower only repays 45%-55% of the loan amount over 10 years - That's like getting half of the loan for F R E E!
- $20 Million USD to $20 Billion USD
- The client must have their own Liquidity of at least 2%-5%, of the project and must provide proof of funds for at least 2% liquid cash at submission.  

Please provide a bank statement dated within the last 30 days (account number can be blacked out), or a letter from your bank dated within the last 7 days.  Screenshots are not acceptable. 
- The exact amount of liquidity needed will be determined by the lender after they review the project and express interest. 

-  These liquid funds will be used to make a payment into third-party Escrow, with a top securities firm, usually in the US (like Deutsche Bank), after you have received - and accepted - the loan terms, have been able to do your due diligence on the lender, the escrow agreement, and the escrow agent, and prior to funding.
- Prior to any payment or decision, you will be directly connected to the lender, which means you can perform due diligence on the lender prior to making any decisions or payments

- The Escrow payment is ONLY released to the lender AFTER client has received the loan funds in their bank.  

- 100% Refund Guarantee - If you don't get your funding, the funds will not be released from Escrow to the Lender and will be returned from the Escrow Agent to the Client, in full
-  Fees and costs can usually be
addedinto the loan amount, with the escrow payment refunded to the client at funding.
- Fast Funding - Funding usually occurs 15-30 days after funds are paid into escrow (30-60 days after initial submission, depending upon complexity of project and responsiveness of borrower)
- Very competitive rates under the Sinking Fund Debt Financing Program
          - 4.5%-5.5% interest annually
          - 10 years, interest-only loans
          - No profit sharing/equity stake - you keep full control and ownership of your project and company
          - No repayment of the principal!  The Principal is paid back via the sinking fund structure, and the client is only responsible for the interest payments.  
For example, on a $100 million USD loan, the borrower would ONLY pay $45-$55 Million USD in interest-only payments over 10 years! 
We pay referral fees and love working with brokers.


We have organized a more simplified system for Commercial Loans.  We can accept any type of Commercial Loans.
The 3 Main Qualifications:  (these are non-negotiable)

1.680+ FICO Scores
2.75% LTV or Lower
3.$250,000 + Loan Amount

Make sure to fill out the Attached Application (Commercial Loan Information + Checklist PDF) and provide the Document Checklist.  Make sure everything is in that checklist and in order or we will not look at the file.
We do require a tri-merge credit report.

Any questions please let me know.

Hard Money, Fix & Flip Loans

One of the most promising areas at the moment for real estate investors and brokers, by all indications, is REO, short sale, rehab, and quick flip properties.  The opportunity to buy distressed properties at a low price point is evident in many markets.  And yet it is difficult for most end-buyers (with a non-profit initiative) to take advantage of these opportunities, as they are not prepared to deal with the financing challenges or the rehab work involved when buying one of these properties.  Thus comes a wonderful opportunity for those real estate investors who can size up a market effectively, move to buy challenged properties at below value prices, rehab them quickly, and get them back onto  the market at a slightly below market price.

Another point in favor of this brand of real estate buying/investing:  Real estate investors who either (a) buy and sell quickly or (b) hold for the long haul are not as likely to get hurt by falling market values.  It is those who are planning to hold a property for 1-5 years that are in the most danger.


What is the maximum LTV ratio for rehab and construction loans?
Well, it is important to talk about front-end and back-end LTV. Our maximum back-end LTV is generally 70% and our maximum front-end LTV is about the same (with a little more flexibility), though in the present market we try to keep that closer to 65%.

What is meant by "back-end LTV"?
By back-end LTV, we mean the LTV at the completion of the project. For example: let's say a borrower needs $90,000 for the acquisition of a property and $30,000 for construction funds and thus wishes to borrow $110,000 (he’s coming in with the rest at closing). If the completion value of the property is conservatively figured at $175,000 based on comps provided by the borrower, the back-end LTV will be 110/175 or 63%.

Okay, so then what is "front-end" LTV?
Front-end LTV is the LTV immediately upon the closing of escrow but prior to any construction. In the example above, it is a little tricky to talk about the current value of the property since it is a fixer (and fixers are tough to comp directly), but if we determine that the AS IS value of the property is $95,000 then the front-end LTV is 60/95 or 63% (the $30k in construction funds are not factored in to the front-end LTV). 

Do you require an appraisal?

For rehab projects, rarely ever do we ask for an appraisal. We know that professional investors must move quickly and that they are frequently the best source for data regarding the projected value of their project. If an investor tells me that he expects to sell a property for $200,000 upon completion, I say, "Show me how you have come to this conclusion." A good set of comps is frequently an adequate substitute for an appraisal (though not always).
With construction projects, it is a little tougher sometimes to get a handle on the completed project, so on occasions we will ask for an appraisal.

Are you able to loan 100% of hard costs?

Yes, and sometimes we are able to finance a portion (though not all) of the soft costs as well. Our very strong repeat borrowers are sometimes able to leverage 100% and are not required to bring any money into the project. It really depends on two factors: (1) How strong is the borrower financially? (2) How well is she buying? And (3) How much relevant experience does she have?

How does the construction money get disbursed?

From time to time, as a borrower completes the construction of a project, the borrower will submit a draw request to be reviewed and, upon approval, release of funds is either directly to the subs/suppliers (if requested to do so) or to the borrower (if the borrower has already paid the subs/suppliers). Lender is responsible for ensuring that (a) the work is completed to an appropriate quality standard, (b) the project is on-budget (or if not on-budget, appropriate adjustments are made), and (c) that all subs and suppliers get paid for their work on the project. Borrowers are encouraged to make as many draw requests as they require, and if a request is complete, and deemed to be valid by FFS, we can generally disburse funds within 48 hours.

How much experience do you require from the borrower?

Well, it is nice to see a borrower come in with moderate to substantial experience, but I have learned over the years that success in this business isn't as much about experience as it is about common sense and the willingness and the ability to work tenaciously toward the completion of a project. So if you don't have experience but you can show me that you have the drive, the discipline, and the common sense, we'll give you a chance.

What sort of credit and financial stability do you require from the borrower?

We don't have specific underwriting guidelines. As far as credit, I am not looking for a perfect credit score (though we do have quite a few borrowers with credit scores in the 700s). I am looking at a pattern of payment over time. If a person has had a few bumps in the road or even a BK, for example, along the way, this doesn't bother us for this type of financing. What concerns us would be the borrower who has consistently shown a disregard for debt obligations over a period of time. No one would probably want to get into a project relationship with this person.

Regarding financial strength (net worth, income, and liquidity), the primary concern is seeing that the borrower has either enough income (stated) or enough cash or liquid assets (stated) to get through the project (even if setbacks occur). That means showing the capacity to make payments for the duration of the project (if an interest reserve account has not been set up) and it becomes necessary to weather a few bumps in the road if the project doesn't go exactly as planned. Beyond that, borrowers are not expected to have any great wealth. We know that they are in the process of attempting to build something, and sometimes that starts from practically nothing.

What is the term of the loan and how are the payments handled?

The term of the loan is generally one year, though if a project is expected to require longer, it can be extended for two years or more. Payments are made monthly and are interest-only. If there is enough equity in a project, we can arrange to have some number of payments held in reserve and applied to the loan for the initial period of the project.

What are the rates?

For this sort of thing, rates generally range from 11-13%. The rate is determined by (a) the LTV, (b) the strength of the borrower, (c) the amount of leverage involved, (d) the merits of the overall project, and (e) the perceived volatility of the local market.

Does the borrower pay interest on the full amount of the loan or only on the funds that have been disbursed?

The borrower must pay interest on the full amount of the loan for the duration of the loan. The funds are being held in trust on behalf of the borrower. As such, the funds are not available to the lender throughout the duration of the loan and thus the lender has committed these funds and cannot utilize them in any way or earn interest.

What fees are involved?

Usually lender will charge a loan fee equal to 3-6% of the gross amount of the loan. They also charge a doc prep fee (which ranges from $675 to $2900, depending on the size of the loan), an account setup fee (which is $470 plus $1/$1000 of the loan amount), and a property inspection fee (which is typically in the $500-$1000 range, but may be more if the property is far from a central location). There are no hidden junk fees.

Can the fees be paid from the proceeds of the loan?

Yes, if there is enough equity in the project. This is frequently the case.

Is there a pre-payment penalty?

Typically there is no pre-payment penalty.

What is the approval process?

There are basically four steps.

The borrower (or a representative for the borrower) runs the project concept by us. If we like the project concept and feel that the numbers are acceptable, we proceed to the next step.

If the project conceptually makes sense to us, we produce a quote, listing all of the relevant costs and other information for the requested loan.

The borrower signs off on the quote.

We review a complete loan packet. We ask that this 
be sent via overnight mail or delivered to the office (fax copy is not acceptable). An electronic packet is acceptable, provided that all items are in a single packet (either Word or Adobe). The packet should include the following items:

1003 for each borrower/personal guarantor
Credit (tri-merge) for each borrower/personal guarantor (or permission to pull credit)
Company financials if the borrower is an entity (2 years)
A privacy notice signed by the borrower
A purchase agreement (when property acquisition is involved)
A preliminary title report
A detailed line-item budget for all construction work to be done on the project
Plans (for all construction loans, and for rehab loans that involve changes in the basic floor plan)
Borrower's estimate of the completion value of the project, and comps (or other value analysis) to support this estimate
Photos of the subject property

Borrower credentials

A copy of contractor license, bond, and insurance (for all construction loans)
If all this checks out, we ask the borrower for a deposit (generally somewhere between $500 and $2000). This should be in the form of a cashier's check or money order.

We provide a conditional loan commitment letter at this time.

If the property checks out, we draw up the documents and close the loan through escrow.

Call Now - 1-615-988-0071

  We handle business Document needs like: 

·         Business Formations - LLC, INC, C-CORPS & MORE
·         Operating Agreements, Business Plans, Proforma's
·         Memorandums of Understanding, Partnership agreements
·         Buy Sell Agreements Etc....