Commercial Underwriting Guidelines
Commercial Financing is underwritten on a case by case basis. Every loan application is unique and evaluated on its own merits, but there are a few common criteria lenders look for in commercial loan packages.

Commercial Lending Ratios
Most of real estate lending can be boiled down to the results of three ratios:

Commercial Loan-To-Value Ratios
The loan-to-value (LTV) ratio is probably the most important of the 3 underwriting ratios

Commercial Debt Ratios
When analyzing the personal budget of a borrower, lenders use two different debt ratios to determine if the borrower can afford his obligations. These two debt ratios are:

Commercial Debt Service Ratio
The most important ratio to understand when making income property loans is the debt service coverage ratio. It is defined as:

Commercial Property Types
Listed below is a partial list of properties that require commercial financing.

Questions to Ask Yourself
Are you and your business credit worthy?

Ten Myths and Facts about SBA
Myth: It takes four to six months to get a SBA Loan processed.
Fact: Completed loan applications from banks average 10 working days.

Commercial Loan Checklist
The following list will help you identify the types of information a banker will need to make an informed decision about your business.

Financing Options
Credit Lines
Under a credit line agreement, the lender supplies a business with funds intended to fill temporary shortages in cash that are brought about by timing differences between outlays and collections. Typically used to finance inventories, receivables, project or contract related work.