About Us
Capital Palm Partners, Inc.
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 the company has teamed up with various lenders, which of whom we have special arrangements with some of them and can call them “Partners”; hence our name.
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.
Comprehensive Approach
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.
Why Us?
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 know and 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.
Loan Programs
Our portfolio of loan products is extensive
Recreation Funding
RV loans / Motor Homes
Non CRE (Commercial Real Estate):
Working Capital Loans (factoring)
Real Estate Investor Loans:
Blanket Loans
Bank Funding
Investment Banking Securitization
Private Funds
CRE W or W/O a business - Non Bank
Primary & Secondary Market Lending
Alternative Lending (A-C Credit)
Private Commercial Lending
Hard Money
Bridge Loans
CRE with or W/O a business - Bank
CMBS - Commercial Mortgage Back Securities
REIT Loan Programs
Investment Banks
Conventional Bank Loan
The 6 C's of Commercial Lending
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:
Capital:
Company’s capitalization, reserves, statement, net worth, etc.
Capacity:
Borrowers should demonstrate the ability to repay the loan.
Cash flow:
Borrowers should show a debt-service-coverage ratio of at least 1.30 and above
Character:
Borrower's character, integrity and professionalism.
Condition:
Business analysis and valuation, as well as a feasibility study of competition and the marketplace.
Collateral:
Borrowers should provide a strong collateral consideration and other securities.