November 2020 Commercial Lending News and Successes

Good morning to Family Season; 

Back to the Business of Living Life

The Good News:

Congratulations to all – and the many individuals – meeting the challenge of the CoVid virus head-on: Beingaware of one’s surrounding, using face masks responsible – keeping one’s sneeze to one’s self – and using socialdistancing. Yes, these numbers are up, but expected numbers for colds and flu, are down. Perhaps because masks tend to be more effective for colds and flue, than CoVid. I do expect this pattern of gyrating numbers, to continue.

Good News: Vaccines. Two vaccines near ready, with each able to vaccine a plus 25 million people. Evenbetter: Our highly organized military, will distribute it, to us, quickly.

Stay Strong – Be of Great Courage – Take Full Advantage of Great Rates

SBA Lending: Three Important Points: 1) SBA lending continues to run full steam, 2) Once again, Refinances are allowed, and 3) some rates on buildings, start in the 2% ‘s !!  CalToday!

Do all you can for your local Small Business – One cannot repeat this enough.

Unemployment rate: No single number – nor data typically published – gives a clear picture of our economy’srecovery. It is often beneficial look past such numbers. As the nation grays, how many are now deciding to enter retirement.  Further, fears of CoVid has reduced the number of legal immigration and changed the overall employment profile. And with the interruptions in schooling, graduates entering the work-force may be delayed and likely keep low. Keep in mind, employment means money and this is no time to stop its movement. 

Special Request: One of our associated small business companies has openings for less than full time hours. People are needed – today – to help at farmers markets and at weekend festivals – primarily Bay area. Join our family of friends and their wonderful children – both high school and college age are accepted. It is a great way to enjoy the weekends and see how small business works. Please let me. 

Re-Openings: New business applications continue holding strong, regardless media news. This is good news, for the middle-class, small business owners is what makes America great, and keeps us unique in the history of the world. Be proud of the goodness of America.

Home Refinances / Home Equity Loans: Rates have fallen to the best low’s of the year.

Act Now – Call Today – Lock in These Great Rates.

Lower payments keep more of your cash in your pockets.

Commercial Refinances: Balloon Loan in need of a refinance? Perhaps you are seeking to invest in residential property? How about a sounding board? My suggestion: Let’s talk first, then decide. These very low rates provide a unique opportunity: 1) Secure solid financing, 2) Modify one’s commercial portfolio, 3) Strengthen the balance sheet, and 4) Increase cash. 

If your ready, I am ready. Let’s start today.

Let’s talk about modifying one’s commercial portfolio mix. One of the beauties of talking with us is our ability to show and discuss the advantages of a tax-deferred exchange. How it financially strengthens the value of your investment portfolio and opens new opportunities. Even better, we have an extensive referral network growing nationwide. Give a ring or email. 

In light of CoVid and election confusions, commercial lending seems a maze of challenging steps. The good news: It is not dead and we continue to have commercial lending partners willing to lend – if you have the loan they can trust and believe. Here is where we can help. 

While lenders tend to be nervous – wanting more data and documents – to me, this is a small price – meaning more time and effort – and something I am pleased to do, for the sake of these great interest rates, benefitting you – today and your tomorrow. What could be better?

So 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 ready to start today. 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 client: WE provide a straightforward and careful review of available lenders, and the full range of lending options. If you are ready, they are ready. And 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.