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Commercial Loans

What are Commercial Loans?

A commercial loan is a type of loan agreement between a financial institution (lender) and a business (borrower). Typically, upon approval the lender will issue funds based on the agreed upon contract with terms illustrating how and when the borrower must repay the loan. Businesses apply for commercial loans for many reasons, some of which include:

  • Funding to purchase new equipment
  • Funding to cover operational costs
  • Funding to cover seasonal or peak inventory/costs
  • Funding to cover payroll
  • Funding to cover manufacturing or production process

Commercial loans can be renewable or revolve depending on the terms of the agreement between lender and borrower. A renewable loan may require the borrower to repay the original loan by a set time, and if the terms of the agreement are upheld, the borrower may be able to renew the same terms to re-borrow the same loan. If a loan revolves, most frequently seen with lines of credit, the borrower has a requested amount of capital available to him or her. So, like a credit card, a borrower can maintain the same maximum spendable limit if they pay back the amounts they borrow in a commercial loan line of credit.

Example of Commercial Loans

Commercial loan lenders are most concerned with a business’ ability to repay a loan and how the loan can be secured if a borrower cannot pay. A commercial or business loan can be secured by receivables or personal property. So, let’s say you own a clothing store and are applying for a commercial loan, the owner or borrower can secure the loan with personal property, i.e. inventory of ready for purchase clothing, or by accounts receivables which is the promise of customers to pay for clothing ordered.

Regardless of how the borrower intends to secure a commercial loan the application process is almost always the same when it comes to providing documentation. Thus, a borrower should be prepared to provide the following information in any commercial loan application process:

  • Your Business’ Experience: All lenders are interested in a borrower’s experience and track record. If your business has been operating for some time, you will want to highlight the successes so far, and any growth potential you see as the owner.

  • Your Business Plan: You will want to demonstrate your organization, mission and projections to a lender. They want to see how serious you are, and how effective your business can be with the loan in the industry that it’s in. A strong business plan can go a long way in a microloan application.

  • Overview of Financial History: Information on previous lines of credit, other loans, balance sheets and tax returns will assist a lender see that you, as the business owner, are running a financially healthy business. Even if your business has not been established for very long, financial diligence can go a long way.

  • Insurance Coverage: A lender will want to review all insurance information. If a lender issues a commercial loan to assist your company’s success, part of your company’s success is contingent upon it being insured in the event of an accident or emergency.

In Summary

Commercial loans are business loans, secured for short or extended periods of time. Depending on the terms of a borrower/lender agreement commercial loans have the option to be renewable, consist of a one-time lump sum installment, or revolve. If you are interested in applying for a commercial loan it is important you assess the main reason behind why a commercial loan is right for you. If you require financial assistance for your business’ operational costs, a commercial loan may be right for you. Applying for a commercial loan is a straight forward process. In meeting with a lender, you will want to come prepared with documentation to support your business’ stability and health. As in any other funding process you always want to shop around for the best deal that suits your financial needs and business goals. If you are serious about applying for a commercial loan, don’t be hasty, and remember preparation and organization is key.

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CityVest.com is a website owned by CityVest Platform Services LLC, a subsidiary of CityVest Capital Inc. (together with its affiliates, “CityVest”). CityVest's software and technology web platform is used by real estate sponsors to advertise to interested parties information related to sponsors’ own real estate opportunities. By accessing this website, you agree to be bound by its Privacy Policy and Terms of Service. By accessing this website, you agree to be bound by its Privacy Policy and Terms of Service.

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CityVest does not make investment recommendations, and no communication through this website or in any other medium should be construed as such. CityVest is not participating in the pPrivate placement of any securities, which would be made exclusively by the issuer. Private placements of securities are not publicly traded, are only for accredited investors, are subject to holding period requirements, and are intended for investors who do not need a liquid investment. Private placement investments are NOT bank deposits (and thus NOT insured by the FDIC or by any other federal governmental agency), are NOT guaranteed by CityVest, and MAY lose value. Neither the Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the website. Investors must be able to afford the loss of their entire investment.

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FORWARD-LOOKING STATEMENTS

The presentation at the CityVest.com website includes information provided to CityVest by the fund being described. It contains “forward-looking statements,” as defined in the Private Securities Litigation Reform Act of 1995. These statements, which express fund manager’s current views concerning future events, trends, contingencies or results, appear at various places in this presentation.

Such forward-looking statements can generally be identified by our use of forward-looking terminology such as “targets,” “plans,” “may,” or other similar words (including their use in the negative). Investors are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date this presentation. We do not intend to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by applicable law.

Forward-looking statements are subject to inherent risks and uncertainties. Factors that could cause the fund’s actual results to differ materially from those expressed or implied in forward-looking statements include, among other things:

■ Increases in the Company’s borrowing costs as a result of inflation and increasing interest rates and other factors;
■ Changes in real estate market and general economic conditions or economic conditions in the markets in which the Company may, from time to time, compete, and the effect of those changes on the Company’s or revenues, earnings and Offering sources;
■ The ability and willingness of the Company’s tenants to renew their leases with the Company upon expiration of the leases, the Company’s ability to reposition its units on the same or better terms in the event of nonrenewal, including in the event of a recession;
■ Our ability to make acquisitions and dispositions and successfully integrate the businesses we acquire;
■ The Company’s limited operating history;
■ The Company’s success in implementing its business strategies;
■ The nature and extent of future competition, including new construction in the markets in which the Company and its facilities are located;
■ The Company’s reliance on key personnel;
■ The Company’s reliance on third-party vendors of technology, in particular the technology used to process and collect payments, or in the Company’s self-service kiosks or unmanned onsite operations and management;
■ Risks associated with the lack of liquidity of the Company’s securities; and
■ The impact of litigation or any financial, accounting, legal, tax or regulatory issues that may affect the Company or its tenants.

The factors noted above are not exhaustive. The Company operates in a dynamic business environment in which new risks emerge frequently. Further information about the Company’s businesses, including information about factors that could materially affect its results of operations and financial condition, is contained in the Company’s Private Placement Memorandum, which you should read before deciding to invest.