Loan Products

Fixed Rate Loans  |  Floating Rate Loans  |  Construction Loans  |  Mezzanine Loans  |  Bridge Loans  |  Forward Commitment  |  Renovation/Repositioning  |  Equipment Leasing/Purchasing

Fixed Rate Loans

Although Fixed Rate loans are a staple of the mortgage industry, many opportunities exist for negotiation on mortgage lending terms, especially interest rates, loan-maturity and prepayment penalties. Wholesale Commercial Capital Group can provide the best fixed interest rates and additional terms in the industry. Borrowers can feel secure knowing that the rate will not change throughout the entire term of the loan. Wholesale Commercial Capital Group's experienced professionals know when to recommend fixed rate loans through proprietary loan evaluation models.
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Floating Rate Loans

A floating rate loan is typically indexed to the London Interbank Offered Rate (LIBOR), which tracks and approximates the Federal Funds rate. Many recent borrowers have chosen floating rate loans to take advantage of the historically low interest rates of the past few years. Floating rate loans often feature minimal or no prepayment penalties. They are particularly attractive to buyers with a two to four year financing horizon, such as acquisition of a property going though a reposition or a turnaround. Wholesale Commercial Capital Group can help borrowers exploit these flexible structures for their immediate short-term utility or as an astute means of strengthening their long-term strategy.
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Construction Loans

Typically, Construction Loans are short-term loans utilized by borrowers to finance building costs. Every construction loan varies depending on the product, the length of the construction process, and the borrower's experience. Wholesale Commercial Capital Group can help builders find the best source, rate and term for these often critical loans.
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Mezzanine Loans

Whether it be structured as partnership debt, or preferred equity, a mezzanine loan can be an integral component for a real estate owner or developer in many diverse circumstances. The mezzanine typically equals the difference between the first mortgage lending amount and 85-90% of the purchase price.
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Bridge Loans

Designed to be paid back relatively quickly, such as by a subsequent longer-term loan, bridge loans can be a key component in a long-term strategy for real estate borrowers. Wholesale Commercial Capital Group can help borrowers understand all the nuances and conditions as well as plan for the future.
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Forward Commitment

Forward commitments continue to gain in popularity in the current borrowing climate for real estate. This involves a commitment by a lender to make a loan in the future, often with a predetermined interest rate. Wholesale Commercial Capital Group can help obtain the optimal structure for the borrower.
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Renovation/Repositioning

Similar to a construction loan, a renovation loan may involve financing for the specific purpose of upgrading an existing property in order to project the desired image of a product or service to the market. Wholesale Commercial Capital Group lending professionals are able to help borrowers present their renovation program to the right lending source and to plan and consummate transactions in a timely fashion, with the best rates and terms available.
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Equipment Leasing/Purchasing

Equipment Purchasing or leasing that is essential for the success and expansion of your business is now made easy with Wholesale Commercial Capital Group. You can apply to several different lenders by completing our easy application online or by calling 1-877-645-1104. Purchases and Leases can differ a bit so the borrower should understand the options and benefits of both.

When purchasing equipment you are financing a loan based on a monthly payment contract much like a house or car. The equation to getting good equipment loan financing with decent interest rates is …

Good credit + Good business history + Good debt ratio = Good Financing/ Interest rates

When leasing equipment, payments are again monthly and based on a contract which usually comes with the option of purchasing the equipment at the end of the lease. Leasing is an option for business owners who need equipment now but have credit that is less then attractive. Leasing is also preferred so business working capital is not impacted and when equipment runs the risk of becoming outdated or obsolete before the loan is paid off.

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