Established in 2015, Capital Palm Partners was created to assist A-C Credit borrowers obtain capital financing, asset financing, unsecured business loans and commercial mortgages for investment and owner-occupied real estate transactions.
By offering a wide variety of loan options, we can assist our clients with their different goals, different projects and credit challenges they may face. We are able to provide this service because we not only can fund loans directly, but we have also teamed up with various lending sources in order to offer financial options to our clients. We call these lending sources our "Partners", which our name stems from.
As a financial firm, our mission is to assist our customers with solutions to help them achieve their goal(s); whether it be to buy a church, a boat, an office building, obtain working capital, getting an unsecured loan, buying or refinancing an SFR or property portfolios, a mobile home park or something else.
From Lending, Loan Structure, and loan support, our lending experts take their time to work with borrowers so that they can fully understand individual credentials, loan purpose, financial payments, goals, loan documentation, loan pricing and risk mitigation assessments; thus, providing both loan officer and loan counselor services.
At Capital Palm Partners, we believe that people make all the difference at any company. That said, we hire loan originators with backgrounds in business banking, investment banking, retail banking, retail mortgage services, corporate finance, mortgage underwriting and more.
Our people understand money on all levels ranging from your monthly payment to secondary market trading with commercial mortgage-back securities, debt and equity financing and investment traunches.
By taking the comprehensive approach on all levels, we can provide you, the customer, a company that was built for you.
At Capital Palm Partners, we created a business model that allows loan borrowers to have access to many types of loans atone place instead of constantly shopping around at many. This model also allows our personal relationship bankers to get to work with our customers on a long-term basis.
When customers come to Capital Palm, they will never experience high broker fees. In fact, our customers will see little to no broker fees at all because our company has special arrangements with our PARTNERS to further allow our customers to benefit from our services. We don’t want to help you just once, we want to work with you for a lifetime. Furthermore, by establishing ourselves as “Bankers”, you will gain higher levels of trust in us when we demonstrate professionalism and integrity back to you.
Customers will find loan products available for acquisitions and recapitalization of both debt and equity funds, as we utilize loan programs available through retail lending sources, private mortgage pools (Funds), credit default swaps (CDS) and more.
RV loans / Motor Homes
Non CRE (Commercial Real Estate):
Real Estate Investor Loans:
CRE W or W/O a business - Non Bank
Primary & Secondary Market Lending
Alternative Lending (A-C Credit)
Private Commercial Lending
CRE with or W/O a business - Bank
REIT Loan Programs
Conventional Bank Loan
In Commercial Lending, bankers from around the world use the 6 C's of commercial mortgage lending to help in determining the eligibility of commercial loan application packages. Some non-bank lenders, private lenders, venture capitalists and hard money lenders may also refer to the 6 C's as well. Therefore, make sure you have your presentation fully ready when you go to apply for a loan.
The 6 C's of commercial lending are:
Company’s capitalization, reserves, statement, net worth, etc.
Borrowers should demonstrate the ability to repay the loan.
Borrowers should show a debt-service-coverage ratio of at least 1.30 and above
Borrower's character, integrity and professionalism.
Business analysis and valuation, as well as a feasibility study of competition and the marketplace.
Borrowers should provide a strong collateral consideration and other securities.
Some of our loans start at $25,000. Our Maximum ceiling is $150,000,000.
Not lending is all States. Please inquire within:
Auto Repair shop loan (Limited)
Commercial Real Estate property mortgage
Day Care Center loans
Debt Consolidation Loans
Development Projects, Ground Up Construction
Doctor/ Veterinarian/ Dentist practices
Dry Cleaner loan
Funeral Home loan
Hair Salon Loan
Hotel Loans, Motel Financing
Industrial Complex Loan
Mixed Use Property Loan
Medical Facility Loan
Mixed Use Property loans
Multifamily Loan, Apartment Building financing
Office Building loan
Preferred Equity Loans ($10M+)
Retail Shopping Center loan
Senior Housing Loan
Storage Facility Loan
Tractor Trailer Loan
CRE loan documentation should include the following:
The project’s executive summary and history,
Financial statements of the borrower and the business,
Schedules of real estate owned,
A summary page of any recent appraisals,
Details of paid-to-date costs and costs to complete, and
Pro forma cash flow. Other documents may be required as well.