Invest in Real Estate and Diversify Your Portfolio

CityVest invests in highly selective real estate private equity investment funds.

Get Started View Investments

Question IDs
Object Type Map


Visibility Map
Active Map
Validator Map
Children Map


Parent Map


Question Options Map


Question Options


Question Option Activate Map


First Name
Last Name
Phone Number
Email
 

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.

Invest With Confidence

We Do the Work to Provide You the Best investment Opportunities

  • A completely new alternative to investing in stocks and bonds.

    Every CityVest investment undergoes a thorough due diligence process by our experienced underwriting team. Of the hundreds of projects reviewed each month, fewer than 1% are approved.

    CityVest can help you:

    • EARN PASSIVE RETURNS OF 10% TO 25%

      You benefit through professional investment structures, which target passive returns for our investors in a range from 10% to 25% - often with a preferred return.

    • ACCESS INSTITUTIONAL QUALITY FUNDS

      CityVest pre-screens investments for you through our underwriting and due diligence process. We partner with institutional investment funds and sponsors and we seek a preferred rate of return.

    • PORTFOLIO DIVERSIFICATION

      Since real estate investments typically generate cash flow income, while common stock does not, real estate valuations tend to be less volatile and less sensitive to market risk factors.

    • COMPLETE INVESTMENT MONITORING

      CityVest will handle all of the accounting and administration of your investment, while you can monitor the returns.

We simplify online real estate investing.

Get Started

Copyrights © 2018 All Rights Reserved by CityVest Capital Inc
Privacy / Terms of Service

Please read the important disclosures below.

CityVest.com is a website owned by CityVest Marketplace LLC, a subsidiary of CityVest Capital Inc. (together with its affiliates, “CityVest”). By accessing this website, you agree to be bound by its Privacy Policy and Terms of Service.

The information on this website does not constitute an offer to sell, a solicitation of an offer to purchase or a recommendation of any interest in any investment or security described herein. Any such offer or solicitation shall be made only pursuant to the final confidential offering documents of any entity described on this website, which will contain information about each entity’s investment objectives and terms and conditions of an investment and may also describe certain risks and tax information related to an investment therein and which qualifies in its entirety the information set forth herein. The information contained herein does not constitute part of the offering documents of any entity. An investment in any investment included on this website, entails a high degree of risk (including the possible loss of a substantial part, or even the entire amount, of an investment) and no assurance can be given that any entity’s investment objectives will be achieved or that investors will receive a return of their capital. Past returns are not indicative of future performance.

Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Any investment information contained herein has been secured from sources we believes are reliable, but we make no representations or warranties as to the completeness, adequacy or accuracy of any information provided. Investors should conduct their own due diligence, not rely on the financial assumptions or estimates displayed on this website, and are encouraged to consult with a financial advisor, attorney, accountant, and any other professional that can help you to understand and assess the risks associated with any investment opportunity.

Prospective investors should read the confidential offering materials of any privately offered investment product, including all risk and conflict disclosures included therein, before investing. Please read detailed information about such calculations in the investment manager’s detailed financial and information material. The information contained herein should be treated in a confidential manner and may not be reproduced or used in whole or in part for any other purpose.

CityVest does not make investment recommendations, and no communication through this website or in any other medium should be construed as such. Private placements on CityVest.com are intended for accredited investors (for persons residing in the U.S.), and for persons residing abroad in jurisdictions where securities registration exemptions apply. Private placements of securities are not publicly traded, 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.

© 2018 CityVest Marketplace LLC. All rights reserved.