Commercial Loan Tips

Every week we send out a short email with a commercial financing tip to help you in your commercial loan brokerage efforts.  This is the most frequent benefit of membership at CommercialLoanCoach.com, although you get them for free just for signing up.

These tips range from issues relating to property analysis, changes in market conditions, marketing and prospecting issues, business management concerns, and almost anything that can help you in your commercial lending business.

Below you will find a few example tips. We keep all of them on the site available to all coaching members so no matter when you join, you can benefit from past tips.

Be sure to get our FREE Special Report: “The 7 Biggest Mistakes Commercial Originators Make and How to Avoid Them.” You will automatically receive our weekly commercial financing tips via email once you download it.

January 5, 2009

2009 Will Test Us: There are various estimates as to how much commercial financing will be rolling over in 2009. The low is $160 Billion and the high is $530 Billion. Since most commercial loans are written on 5 to 10 year calls, the smart money is on the higher number. Not all of this debt will be able to be replaced. The only realistic sources are Life Companies and Private Lenders for the near term, unless Congress spends more of our money (e.g., keeps the printing presses running) and decides to bail out large commercial developers. The failures represent opportunities for equity investors. Will you be ready?

December 29, 2008

Time for a Break: This week, the “Between Major Holiday Week” it is time for the Ultimate Commercial Real Estate Tip – Take some time off. Put aside your scenarios, requests, calculations, searches, troubles, and triumphs. 2008 was a tough year and we face some unique challenges in 2009. Along with challenges come opportunities and opportunities require a clear head. Relax, spend time with family and friends, go out and do something physical. 2009 isn’t going anywhere!

December 22, 2008

The Goal Ritual, Part 2: Last week I discussed setting up your goal setting for 2009 by taking stock of 2008. Hopefully you reviewed your successes and misses and found some patterns on which you can build. Now we want to look ahead at what you want to achieve for 2009. My first bit of advice is that as you make your list do not consider how you will achieve them. Seriously, just write down what you want. Pick business, personal, spiritual, fitness, and whatever other categories you choose. They key is to get your heart’s desire on the page. It is not as easy as you think because you will be tempted to edit. Do not. We will cover the “how” next week.

December 15, 2008

The Goal Ritual: While in the lull between holidays, you may be taking some time to assess the past year and size up the new one. This is an excellent time to take a couple of hours, a pad, and a pen to a quiet place. While there, do two things: Reflect and Plan. Reflect on both the challenges and the opportunities that this past year presented you. In all adversity there is the seed of opportunity. Did you plant any of those seeds? How did you react to your challenges? What did you learn from them that you can use in the future. Write these out before setting your goals for next year, the topic of the next few weeks of tips.

December 8, 2008

Who Will Fill The Gap?: As we close out 2008, I have noticed that the banks are lending less because they are not liquid. However, we face the rollover of Billions of dollars worth of commercial CMBS loans in early 2009. To whom will these owners turn for funding? I see three options at this time. First, the insurance companies, who will be looking for Class A properties. Second, the credit unions, who may work in concert to provide funding on medium to better quality properties. And third, I think a number of debt holders will be restructured into equity partners or face the unpalatable alternative of foreclosure. For you, this will mean opportunity if you position yourself correctly.