Commercial Lending

Commercial Lending

The commercial lending programs of 750 hungry commercial lenders can be found instantly using C-Loans.com. Simply input your commercial lending needs, select six commercial lending companies, and then press, "Submit." And C-Loans.com is free! Click here to see hundreds of commercial lending programs.

Commercial real estate lending is today dominated by commercial banks and commercial hard money lenders. Historically, many different types of lenders were active in commercial lending, including life insurance companies, commercial banks, savings and loan associations, federal savings banks, conduits, investment banks, REIT's, CDO lenders, finance companies and hard money commercial lenders. Modernly, most of these commercial lending companies are out of the market.

TYPES OF COMMERCIAL LENDING COMPANIES

Life companies have historically always been the cheapest of the commercial lending companies. Life companies seldom make loans of less than $5 million, and almost every commercial property that they finance are trophy properties. While collectively they lend tens of billions of dollars, they only make a handful of very large loans. Most of us mortals will rarely close a commercial loan with life company.

Commercial banks are by far the most active of the commercial lending companies; however, the commercial lending volume of commercial banks is probably down by 60% since the start of the Great Recession.

Savings and loan associations (S&L's) used to be very active in commercial lending, but most of them have either failed or changed charters over the past 15 years. Most of the few surviving S&L's are actively avoiding commercial lending right now.

Federal savings banks were former California thrift and loan associations who changed charters in the last 1980's. For a 12 year stretch they were very active in the subprime commercial lending market. Modernly, most of them have now failed.

Conduits were commercial lending companies which originated fairly large commercial loans destined to become commercial mortgage-backed securities (CMBS). These were very standardized commercial real estate loans with great rates but large prepayment penalties. When real estate started to crash in late 2007, the secondary market for commercial mortgage-backed securities disappeared almost completely, and these commercial lending companies largely dried up and blew away. In time they are likely come back.

Investment banks had commercial lending divisions that originated CMBS loans in the early to mid-2000's. These commercial lending divisions largely shut down in late 2007.

REIT's are real estate investment trusts, and there were a few mortgage REIT's active in commercial lending up until the last few years. Most mortgage REIT's are currently not active in commercial lending.

CDO lenders packaged subprime commercial loans, along with car loans and scratch-and-dent home loans, and then securitized them. They were very active until the market for all subprime loans evaporated in 2007. Virtually no CDO lenders are active in commercial financing today.

Finance companies borrow money from the bank and then use this dough to make subprime commercial loans. Virtually all of the finance companies that used to be active in commercial financing were wiped out in the Great Recession.

Hard money commercial lenders syndicate the funds of private investors and then use this money to make subprime commercial loans. Many hard money commercial lenders are quite active in commercial lending these days.

C-Loans.com® is sponsored by C-Loans, Inc. — For more information, contact Alicia Gandy
4811 Chippendale Drive, Suite 101, Sacramento, CA 95841 telephone: (916) 338-3232 * Fax: (916) 338-2328
Real Estate Broker -- California Department of Real Estate -- License Number 01330173
Read our many client Success Stories.









Commercial Lending The commercial lending programs of 750 hungry commercial lenders can be found instantly using C-Loans.com. Simply input your commercial lending needs, select six commercial lending companies, and then press, "Submit." And C-Loans.com is free! Click here to see hundreds of commercial lending programs. Commercial real estate lending is today dominated by commercial banks and commercial hard money lenders. Historically, many different types of lenders were active in commercial lending, including life insurance companies, commercial banks, savings and loan associations, federal savings banks, conduits, investment banks, REIT's, CDO lenders, finance companies and hard money commercial lenders. Modernly, most of these commercial lending companies are out of the market. TYPES OF COMMERCIAL LENDING COMPANIES Life companies have historically always been the cheapest of the commercial lending companies. Life companies seldom make loans of less than $5 million, and almost every commercial property that they finance are trophy properties. While collectively they lend tens of billions of dollars, they only make a handful of very large loans. Most of us mortals will rarely close a commercial loan with life company. Commercial banks are by far the most active of the commercial lending companies; however, the commercial lending volume of commercial banks is probably down by 60% since the start of the Great Recession. Savings and loan associations (S&L's) used to be very active in commercial lending, but most of them have either failed or changed charters over the past 15 years. Most of the few surviving S&L's are actively avoiding commercial lending right now. Federal savings banks were former California thrift and loan associations who changed charters in the last 1980's. For a 12 year stretch they were very active in the subprime commercial lending market. Modernly, most of them have now failed. Conduits were commercial lending companies which originated fairly large commercial loans destined to become commercial mortgage-backed securities (CMBS). These were very standardized commercial real estate loans with great rates but large prepayment penalties. When real estate started to crash in late 2007, the secondary market for commercial mortgage-backed securities disappeared almost completely, and these commercial lending companies largely dried up and blew away. In time they are likely come back. Investment banks had commercial lending divisions that originated CMBS loans in the early to mid-2000's. These commercial lending divisions largely shut down in late 2007. REIT's are real estate investment trusts, and there were a few mortgage REIT's active in commercial lending up until the last few years. Most mortgage REIT's are currently not active in commercial lending. CDO lenders packaged subprime commercial loans, along with car loans and scratch-and-dent home loans, and then securitized them. They were very active until the market for all subprime loans evaporated in 2007. Virtually no CDO lenders are active in commercial financing today. Finance companies borrow money from the bank and then use this dough to make subprime commercial loans. Virtually all of the finance companies that used to be active in commercial financing were wiped out in the Great Recession. Hard money commercial lenders syndicate the funds of private investors and then use this money to make subprime commercial loans. Many hard money commercial lenders are quite active in commercial lending these days. The commercial lending programs of 750 hungry commercial lenders can be found instantly using C-Loans.com. Simply input your commercial lending needs, select six commercial lending companies, and then press, "Submit." And C-Loans.com is free! Click here to see hundreds of commercial lending programs.				Apply for a Commercial Loan List of Lender Phone Numbers Learn Commercial Mortgage Finance Find Your Own Private Investors Intermediate Commercial Mortgage Training Market for Commercial Loans Fee Collection Course Earn Referral Fees in Your Sleep Combo Packages Cool Mortgage Broker Stuff Cool Lender Stuff Cool Realty Agent Stuff Cool Builder Stuff Commercial Real Estate Loan Tips Construction Loan - Apply Past Newsletters Subscribe to C-Loans Newsletter Loan Servicing Software Commercial Real Estate Loans Construction Loans Structured Finance Hard Money Loans Bridge Loans Land Loans Acquisition and Development Loans Contact Us


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