Commercial Lending and News for January 2021

Good morning to January; 

Back to the Business of Investing

The Good News:

Three vaccines – or even more – are coming to an arm near you.  It is our government’s way of restoring confidence and health in people and business. Keep prayers and caring thoughts for those affected and may the media and medical, do a better job of keeping things in perspective. 

Stay Strong – Be of Great Courage

Take Full Advantage of Great Rates

PPP Forgiveness: Have a PPP loan?  I can help you to begin the forgiveness part of the plan. Some of our lenders are 60 % through their pipeline, of getting loans written off !  Don’t delay.

Coming in 2021: With the New Year, some of our working priorities will move towards meeting the growinginterest in ‘Tax Deferral Consulting’.  Our emphasis is expanding and now include both California and nationwide. 

SBA Lending: 1) SBA lending continues at full steam, 2) Refinances are allowed, again, and 3) some rates on buildings, starting in the 2’s % !!  Good News – CalToday!

Do all you can for your local Small Business

One cannot repeat this enough. WE need them.

Unemployment rate: With tightening of the lock down rules, the numbers are up. See below. 

Special Request: Looking for extra work – not full-time? One of our associated small business companies has openings. People are needed – today – to help at farmers markets and weekend festivals – primarily the Bay area. Join our family of friends and their wonderful children – high school and college age are welcome. It is a great way to enjoy the week and experience the working of a Small Business. Please let me know. 

Re-Openings: On hold. Spending more time indoors and being together for Thanksgiving and the Christmas Season, brought a reported spike in CoVid, though lower flu and cold numbers.

Commercial Refinances: Yes, CoVid is wreaking havoc on our P&L’s.  The Good News: Financing continueshappening, albeit a bit more diligence in the paperwork.

Balloon Loan in need of a refinance? Perhaps you are seeking to invest in property or simply need a sounding board, before deciding? My suggestion: Let’s talk first. One thing for sure: These very low rates offer a unique opportunity for: 1) Secure solid financing, 2) Modify one’s commercial portfolio, 3) Strengthen the balance sheet, and 4) Increase net cash. If you are ready, I am ready. Let’s start today.

News of the moment: 

Biden $1.9 Trillion Spending Package – CoVid Relief

Biden’s first step as our next President will bring a dramatic increase in US deficit spending. This is the Democratic parties response to restarting the economy, from the destruction due to CoVid. It will be interesting to see the level of discussion, disagreement, and compromise. It will be interesting to see how interest rates and stock prices respond – even gold and bitcoin. 

Cash payment to those making little to no income.

Unemployment ‘extra’ benefits back to $ 400 per week, and extended until September.

Minimum wage to $ 15.00.

More renter relief – $25 billion.

Eviction and Forbearance extended to September

Time will tell and time is needed for the fruits of said policies to show forth. Of course, our free markets never wait. Instead they act in anticipations and expectations of outcome. 

Market data points: 

1) Unemployment: It maybe nearing a plateau

2) Retail sales continue downward trend

3) Inflation, wholesale remaining close to flat

 4) Freight – up 6.7 % year over year with few actual supply chain issues. With this, freight costs are nearing plus 13 %, year over year.

Issues not discussed: 

There is a meaningful percentage of individuals with 401 K’s – hearing 30 % – who are tapping into them, in hopes to keep their head above water. It is good to have a fall back option. The questions: How long will it take to restore these amounts and how will this effects one’s retirement planning? It is time and we need to get back to work.


As a broker: WE provide a needed ray of hope, in uncertain times. For our commercial clients: WE provide a straightforward, careful review of available lenders and the full range of lending options. If you are ready, they are ready. Together we can make your investment dreams happen. It is an excellent pathway to success – uniting a strong, solid loan application, with an unbelievable low interest rates. We are proven, with quality lenders ready to lend.


Trust the true value and benefit of getting your loan done – right.

Many blessings for family and friends.