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Adam Torkildson
Adam Torkildson
I am a marketer with a passion for online lead generation for all categories of business. Loans, marketing, seo, internet, etc.


Aug. 29, 2012 1:03 pm
A non-recourse commercial loan is one in which personal guarantees from the owners of the project are not required. The project itself must be strong enough to support such a request. Typically, lenders are looking for a stable income stream from the property as well as a good collateral position in the asset. I typically see these types of loans on income producing real estate projects that are...  Read More
Aug. 24, 2012 1:09 pm
Many borrowers ask for the wrong loan when they pursue commercial credit. The best way to know what type of financing is most appropriate for your request is to start with the borrowing cause. This is the root reason or need for capital. Once we understand the borrowing cause it becomes much easier to source the right credit source for the borrower. I have been asked for a line of credit on many...  Read More
Aug. 17, 2012 12:50 pm
The SBA debentures are selling for 4.51% right now. On an SBA 504 loan you could get a 4.51% fixed rate for 20 years. If you plan on purchasing business real estate and occupying at least 51% now is a great time to do it. I have never seen interest rates this low. The bank rates for these loans are low to mid 5% range as well. Call me today to see if you will qualify for these great long term...  Read More
Aug. 15, 2012 10:04 am
Recently we closed an owner occupied real estate loan with a bank 5 year fixed rate of 4.9%. When we began the application process we hoped to have a 5.25% interest rate; however, with the downturn in rates we were able to beat our own expectations by 35 bps. It was a great day for us to provide such competitive pricing. The borrower had been in business 3+ years. Cash flow was strong for the...  Read More
Aug. 9, 2012 2:16 pm
Most businesses will ask the vendors they are purchasing their new equipment or remodel furniture from for financing. Although these vendors are convenient to use, they generally are also a more expensive source for money. Fixture's, Furniture and Equipment typically fall into a tenant improvement or remodel budget for most businesses. In many cases traditional bank lenders struggle to provide...  Read More
Aug. 6, 2012 5:04 pm
Buying a business is an exciting journey. There are many things to consider and prepare for. Here are some places you should start looking for capital to purchase a business. For loans of $1-$200,000 you should look to home equity lines of credit, peer to peer lending sites, credit cards and other lines of credit, family members and friends, and some smaller community banks and credit unions....  Read More
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