Commercial Loans  
At Southern Commercial Consultants we understand how difficult it can be to secure a Commercial Real Estate Loan.  The process can be confusing, time consuming and complex.  It doesn't have to be that way! Through our Network of Lenders we have access to hundreds of financial programs and funding sources.  Specifically, we have relationships with large institutional lenders, Wall Street Investors, Pension Funds, Insurance Companies, and Private Lending Groups.  

Mission-Critical Issues:  We often help facilitate financing on real estate where banks have failed.  Our lenders offer exceptional commercial mortgage programs beyond the limits of most local banks.  Even if your credit is not perfect, Southern Commercial Consultants can work with you.  With our network we are able to work with A, B, C and D credits.  

Southern Commercial Consultants has a track record for giving its customers fair and competitive rates, without sacrificing service.  Since every deal varies, we cannot directly quote a rate until the application and package is fully completed and submitted to our Lenders.

Commercial Property Loans
Southern Commercial Consultants can handle many different types of commercial properties, here are just a few:  Apartments, Shopping Centers, Truck Stops, Office Buildings, Warehouses, Automobile Dealerships, Day Care Centers, Golf Courses, C-Stores, Owner Occupied Buildings, Manufacturing Facilities, Movie Theatres, Health Care Facilities, Hotels/Motels, Raw Land, Car Wash, Casino, Churches, Gas Stations, Industrial Parks, Malls, Medical Buildings, Mixed Use Properties, Retail Shopping Centers, Storage buildings, Strip Centers, Subdivisions, Industries Buildings, and much more……

Loan Types

• Acquisition    An acquisition loan is used to acquire property using the loan proceeds.
• Acquisition & Development     Loans to both acquire and develop real property to an improved state.  Voucher control is normally set up to disperse loan proceeds with interest only paid on funds distributed.  Loan to value is determined by the estimated improved value.
• Asset Based    Loans for any purpose whereby collateral is put up for security.
• Bankruptcy and Foreclosures     Financing on real property assets until institutional financing is available or sale of asset.
• Bridge     A Bridge Loan is a loan that is used for a short duration of time until permanent financing is put in place.  Bridge loans are a perfect solution to a timely acquisition or business opportunity because they allow a purchaser or investor to act quickly.  These loans can be used for acquisition, buy-outs, foreclosures, cash out and construction purposes.  
• Construction     A Construction Loan is a loan used to construct a building or other improvements of real property, with the land and improvements as collateral for the loan.  Construction reserve accounts are generally maintained to disburse the money as the construction progresses. Up to 100% cost of construction available depending on the improved value.
• Debt Consolidation     A debt consolidation loan can offer a lower monthly payment by consolidating outstanding debts into one single loan. If the average interest rate on various accounts is high, a debt consolidation loan at a low interest rate can save money. Even without a change in interest rates a simple single monthly payment may be reason enough to consider this option.
• Development     Loans to both acquire and develop real property to an improved state.  Voucher control is normally set up to disperse loan proceeds with interest only paid on funds distributed.  Loan to value is determined by the estimated improved value.
• Rehab     A rehab loan is any loan used to acquire an existing property for the purpose of repairing deficiencies and remodeling.
• Refinancing     Paying off an existing loan/debt from the proceeds of a new loan using the same collateral as security. Typically, the choice to refinance is made when interest rates or terms are better than the original loan.
• SBA Loans     SBA’s Loan Program helps small businesses obtain needed credit by giving the government’s guaranty on loans made by commercial lenders. Applicants must meet SBA’s definition of small business.