December 2020 Commercial Lending News and Successes

Good morning to the Christmas letter; 

Back to the Business of Investing

The Good News:

Big win for Operation Warp-Speed.  In spite of initial efforts of the FDA, to delay approval, the success of Operation Warp-Speed – CoVid vaccinations – was more than welcomed, according to strong public sentiment.Sad that the FDA, for various reasons, was internally trying to slow approval and distribution, and thereby control the outcome. We the People, win on this one !

Stay Strong – Be of Great Courage

Take Full Advantage of Great Rates

PPP Forgiveness: Have a PPP loan?  Start now on the forgiveness part of the plan. Some of our lenders are 40 % through their pipeline of getting loans written off !  Don’t delay.

Coming in 2021: We will be shifting some of our working priorities towards achieving ‘Tax Deferral Consulting’status. Our emphasis will focus on California and now, nationwide. 

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

Do all you can for your local Small Business

One cannot repeat this enough. WE need them.

Unemployment rate: Rates and numbers are in a state of flux and confusion. Several States decided upon adding the seasonal upticks in colds, flus, pneumonia, to CoVid test numbers. This became the rational – or excuse – to initiate a second round of Statewide shutdown. Anyone wonder the motivation, while hoping our Small Businesses can survive a second assault. 

Sadly, the unconsidered, secondary effects seem irrelevant to our decision makers. Consider Daycare workers. How about a recent report of close to 75 % of Millennials moving back home.  We cannot overlook the short-term negative impacts on families and on rentals. Let’s hope for a second round of “pent-up demand”, even if seriously delayed.

Consider the up to 4 million full-time working parents, with school age children under the age of 14, unable find child-care. One family member must quit their job.  Outcome: a reduction in our September-December GDP – likely 0.5%. If we don’t turn this around, the number, by end of the school year will be a minimum reduction of 1.25%. How do we know? Look at the labor force participation rate. For women, since June, it has been flat while up only 1% for men.

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: Despite the negatives of government and mainstream news, business applications are holdingstrong. This is good news, for the middle-class, as small businesses and their employees, are what makes America great.  It is what keeps us unique in the history of the world and is the very heart of the American spirit. Be proud, we are a good nation. 

Commercial Refinances: Have a balloon Loan? One in need of a refinance? Or are you seeking to invest in property? Perhaps you simply need a sounding board before taking the next step? My suggestion: Let’s talk first, before you decide. 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.

For those seeking to modifying their commercial portfolio, know this. One of the beauties of talking with us, is our ability to show and discuss, the financial advantages of a 1031 tax-deferred exchange. How it strengthens the value of your investment portfolio, while opening doors to new opportunities. And why call? Because we have an extensive referral network, one growing nationwide. Give a ring or email. 

As with most updates, we remain positive. In this, we know money needs to work – to flow. As for me, I don’t waive a flag of surrender in the face of false fears. Yet, what is known? A few commercial banks – based onperformance – are stressed, often because of the handling of “past-due” loans.  Sadly, this seriousness remainshidden under rules of forbearance.

How about residential forbearance? It is due to sunset, year end. Yet, I suspect we will see an extension. We will find issues similar in commercial loans. Sooner or later, we will need to deal with this. In the meantime, we are hard at work, finding safe and secure banks that are lending, successfully. None of it is easy, but it’s what we do best. And we are here for you. 

If you are considering a construction loan, purchasing an apartment building,  refinancing a gas station orproperty defined as mixed-use, lets talk today. The good news: This is just part of the list of work we are doingtoday. We love the challenge of your being successful, even if it takes more time and upfront diligence. Let’s talk. It is a good time. 


As a broker: WE provide a needed ray of hope, in uncertain times. For our commercial clients: WE provide a straightforward and 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. What an excellent pathway to success – uniting together a strong, solid loan application, with an unbelievable low interest rates. We are proven, with lenders ready to lend.


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

Many blessings for family and friends.