For commercial ventures, The Independent Advantage® is an exceptionally rich source of funding. It presents a wealth of ways to grow your clients' businesses and, in turn, grow your own.

The program provides permanent mortgage financing for real estate projects that include:

• Multi Family Apartments

• Shopping Centers

• Office Buildings

• Self Storage Facilities

• Industrial Buildings

• Mobil Home Parks

• Nursing Homes

• Hospitals

• Resort and Franchise Developments

We require a minimum mortgage loan amount of $1,200,000 and do not require a personal guarantee for loan amounts in excess of $1,500,000.

The interest rate is based on a spread over 10 years treasuries which yield very competitive rates. The loan amortization can be as long as 30 years.

For new projects we can offer construction/permanent real estate loans up to $30,000,000. These loans are cost effective with a single lender providing both loan products.

Equity is available for investment grade apartment projects and other investment grade properties. The minimum equity investment must be $5,000,000.

Structured real estate loans are also available to owners that have had adverse credit experience. The interest rate, loan to value ratio and loan term are an integral part of the structuring process.

Other commercial loan products include:

• Equipment, Machinery and Tools

• Working Capital

• Inventory

• Receivables

 The program also provides SBA capability for smaller loans from $500,000 to $3,500,000.

 

All products, of course, are tailored to your customers' needs and aims. To achieve this, The Independent Advantage® turns to its network of qualified lenders, and prepares offerings with cash flow, taxes, and long-term growth in mind. These professionals are committed to service and they prove it by working quickly, knowing full well that "time is money" for your clients.

The program serves companies of all sizes, from entrepreneurial enterprises to Fortune 500 firms. It also accommodates a broad range of industries:

• Manufacturing

• Distribution

• Wholesale

• Broadcast Communications

• Textile and Apparel

• Health Care

• Aviation

For you, the program lends clear opportunities for cross-selling. Customers will likely insure their businesses before they are launched. And, as their companies develop, you can lead your clients - through The Independent Advantage® - to the resources that can help.