Capital Palm Commercial Mortgages and Business Loans

Quick Reference and Commercial Loan understanding

Quick Loan Reference

SBA 7A and SBA 504

Unsecured Business Loans

Working Capital Loans (factoring)

Equipment Financing

Payment Processing

Primary & Secondary Market Lending

Alternative Lending (A-C Credit)

Private Commercial Lending

Hard Money

Bridge Loans

Real Estate Investment Loans

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.

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.

Commercial Mortgages, Loans, Financing Services:

Here are some of the common industry known names for various loans

Not lending is all States. Please inquire within:

  • Auto Repair shop loan (Limited)
  • B & I (USDA) Rural loans
  • Boat loans, Yacht loans
  • Business Capital
  • Business Loans
  • Church loan
  • Commercial Real Estate property mortgage
  • Day Care Center loans
  • Debt Consolidation Loans
  • Development Projects, Ground Up Construction
  • Doctor/ Veterinarian/ Dentist practices
  • Dry Cleaner loan
  • Equipment loans / Financing
  • Funeral Home loan
  • Green Financing
  • Hair Salon Loan
  • Hotel Loans, Motel Financing
  • Industrial Complex Loan
  • Investment Property Loan
  • Mixed-Use Property Loan
  • Medical Facility Loan
  • Mixed-Use Property loans
  • Mobile Home Park Loan
  • Multifamily Loan, Apartment Building financing
  • Office Building loan
  • Payment Process / Merchant Services
  • Preferred Equity Loans ($10M+)
  • Retail Shopping Center loan
  • RV loan
  • Senior Debt financing
  • Senior Housing Loan
  • Small Balance Commercial Loans
  • Storage Facility Loan
  • Tractor Trailer Loan
  • Warehouse Loans
  • Working Capital

Capital Palm Partners, Inc.

8546 Palm Parkway, #240, Orlando, FL 32836, US

(407) 278-1466

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