We are frequently asked about the effect of a bankruptcy either by the principle party or the business upon a new commercial loan transaction. Several years ago if I were asked this question I would have respond differently, however due to the paranoid state of the credit markets, things have changed.
Previously if an individual or [...]
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Commercial Loans and the Aura of BankruptcyPosted on:
Commercial Mortgage Rates and the Problems They CausePosted on:
The Wall Street Journal reports that in the worst-case scenario, federal regulators examining the 19 largest U.S. banks are projecting losses of up to 12% on commercial real-estate loans over two years. Guess what happens when banks need more capital? They raise the price for the capital that they do have.
Continue reading Commercial Mortgage Rates and the Problems They Cause »Construction Loans in Modern-Day AmericaPosted on:
Construction loans, prevalent and lucrative some two years ago have proven to be an elusive target. The market collapses around existing developments have contributed to the decline in the capability of lenders to make these types of loans. In climate such as the California market there is some availability provided the building will [...]
Continue reading Construction Loans in Modern-Day America »High Quality Loan ProductionPosted on:
“Show me a property that’s free and clear (one that that’s not have an existing mortgage lien) and I’ll show you a loan.” Mortgage loans, and especially commercial real estate loans, have more moving parts to them than Boeing 747’s.
At any point in the workflow process, something could be discovered that destroys an otherwise good [...]
Commercial Training Has Never Been More ImportantPosted on:
Training has never been more important to the specialist that has chosen to remain in a credit business. Without continuous training anybody left in the marketplace today will be behind the power curve and unable to thrive.
Continue reading Commercial Training Has Never Been More Important »It’s Nice To Get a ComplimentPosted on:
“I can live for two months on a good compliment.”
- Mark Twain
Sometimes, we get such nice responses from people we work with that it hurts our very souls to keep them to ourselves. Well, we have a blog now so it’s time to share one great compliment we got earlier this week (we’ll promise to [...]
Sobriety CheckpointPosted on:
The road block could be thought of as having a flashing signs reading “Values Suck” or “Your property is NOT worth what you think it is”.
My name is Christopher Ware; I work in the Investor Relations department here at Commercial Lending Capital. My experience for the past 20 years has been as an underwriter [...]
Webinar – The State of the Industy; Part DeuxPosted on:
Over 500+ people registered to take part of the webinar we had scheduled for today. We had no idea there were so many people eager to hear about CLC’s take on the state of the industry. Simple amazing.
With regret, we were not ready for such a high turnout. This put us in a position where [...]
Ctrl-Alt-DeletePosted on:
For those of us inexperienced in the operation of computers, the title of this article might not make sense. In computer terms this means that we’re going to force a reset of the computer.
It’s been said by many a wise man before that man is really an organic computer. The only difference between [...]
Webinar – The State of the IndustryPosted on:
I just got word that Scott Oakley will be hosting a webinar on Thursday, May 14th 2009 from 9-10 AM PST; I’m pretty excited.
I know that working here has always given me an edge but this is going to be great. People like Nicole Ferguson and Mike Jernigan have freely offered their expert knowledge on [...]
The Broker QuagmirePosted on:
Insanity: doing the same thing over and over again and expecting different results.
Albert Einstein, (attributed)
US (German-born) physicist (1879 – 1955)
Brokers like us have been around a long time now. From our experiences there are 3 kinds of Brokers.
Tough, never die, non-conformist, deal FACTUALLY with any issue as it comes up.
Follow with the flow and [...]
The 2006 StigmaPosted on:
Twenty year olds making $50,000 per month was commonplace and the parties were outstanding!
Each day we (all of us including Commercial Lending Capital) are confronted with questions and issues regarding the valuation of real estate and what it all means to the value of the loans that we are able to issue. GONE are [...]
A Welcome LetterPosted on:
Let me take a moment to introduce myself and our company. My name is Phillip Dale and I work as a Business Development Manager for CLC.
I’m going to be administrating the blog so it’s only fitting if I formally introduced myself as well. If you’re not familiar with our company you can click here [...]
