Commercial Real Estate Financing
for Investors and
Small Business Owners

COMMERCIAL FINANCING TIP:

Cash Flow and the Three “Add-Backs”:  This is for small business owners.  When considering financing, take a look at your most recent business tax return to see how a lender will calculate your loan amount.  Start with the “Net Income,” then add back the following:  1)  Depreciation, 2) Rent paid for the premises or Interest paid on the current mortgage, and 3) Amortization.  You might add back excess Officer Compensation, but you need to qualify yourself first (which is beyond the scope of this tip).  The sum of these expenses represent the Free Cash Flow available for debt service on a new loan.  Call us for more information on this topic.

 
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Investment Property Insider

"Create Personal Wealth Beyond Your Small Business, Part 4"

"Thus far I have been talking about the advantageous financing that a small business person can access to acquire real estate for business use.  Before doing so, you have to be sure that it makes sense to own you business location, rather than lease it.  Let's look at ..."

Excelsion Mortgage is a unique lender with services tailored to three distinct groups.  We have created areas on this web site specific to each.  Please click on the appropriate link below for access to the area that best meets your needs:

• Commercial Real Estate Investors
• Small Business Owners Seeking Real Estate Financing
• Commercial and Residential Mortgage Originators

Excelsion Mortgage offers its clients the following services:

• Construction, purchase and refinance loans for investment real estate.
• Construction, purchase and refinance loans for small business real estate.
• Financing for Standard and Special Purpose property types, including Hospitality.

Consider our web site a collection of investment tools and professional advice that provides you with:

• Access to our latest commercial loan programs, rates, and acceptance criteria. 
• "Actoinable" information on commercial financing, small business real estate lending, and services we offer to help you improve your investment performance.
• Methods to save you hundreds of thousands to millions of dollars for your use or your estate estate through flexible loan programs that allow you to reduce your Total Financing Costs.
• In-depth reports on a number of commercial real estate topics: Be sure to get the ones that interest you.
• Mortgage Calculators to help you make better investment decisions. 
• A collection of articles on all aspects of commercial lending and real estate for your education.

For an opportunity to discover how much you can actually save on your commercial property with our Accelerated Re-payment Program, please click here to schedule a “Total Cost Reduction Analysis.”  This analysis can literally show you how to keep hundreds of thousands of dollars in your pocket and out of your lender’s.  Do not wait, get your analysis now.