There are a number of commercial mortgage providers in the market. Some of the most well-known providers include Wells Fargo, Bank of America, and Chase. These providers offer a wide variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and bridge loans.
There are two main downsides to commercial mortgages. The first is that they’re not ideal for the cash-strapped entrepreneur because you need substantial resources upfront in order to obtain them. The second downside is that these mortgages come with much higher interest rates than residential loans.
Clopton Capital puts you in direct connection with the most trusted and established providers of commercial mortgages for small businesses and large enterprises, giving you everything you need to be successful.
It is our goal to give our clients on-demand access to the most competitive commercial mortgage lenders and commercial real estate loans in the country. Our multi-billion dollars of closed deals in commercial real estate loans over 10 years is evidence enough of our strength in developing commercial mortgage lender relationships. Moreover, right through the process from underwriting to closing the deal, you will always be kept abreast of developments on every aspect of your transaction in keeping with the heralded Clopton policy of full transparency. And no matter if your application is big or small you’re always on the receiving end of our undivided attention to get your funding in place as quickly as possible.
Work with the top commercial mortgage broker in the industry offering highly competitive financing for all income producing real estate investments and assets nationwide. Whether you are looking to acquire, improve, cash out, or refinance, our small business lender network will have the most competitive rates and terms.
Here are three different case studies of real clients we’ve helped at Clopton Capital
A borrower structured in an LLC wanted to purchase an office building in Fort Lauderdale for $9.5 million that was part of an association with 3 other buildings. The borrower planned to use 3rd party management on a non-owner occupied basis, thus buying the building purely as an investment. We structured a 75% loan-to-value non-recourse loan (i.e. a 25% down payment), with a 10-year very competitive rate, 2 years of interest only on the front-end that transitions to a 30-year amortization in year-3. Our client was satisfied with this arrangement as a way to maximize its cash flow and ROI on the investment with the added benefit of zero personal recourse.
A borrower in a partnership structure was facing a loan maturing with a balloon payment attached to an apartment building in KY. The investor wanted to contain closing costs and was uncertain what to do with the property. Its goal was a mortgage with a fixed rate but did not want any prepayment on the loan in case the partners decided to sell and repay their debt. We found a lender on our exclusive long-term relationship list able to arrange a commercial mortgage with a 5-year fixed rate, 25-year amortization that did not have any prepayment at all starting on day-1. This way our client was protected against rate increases for 5 years with enough latitude over that time-period to figure out if it wanted to sell or keep the property.
A corporation borrower with a portfolio of retail centers in Indiana approached us to refinance and cash out on all of the properties. The properties were located across western Indiana and were comprised mainly of grocery-anchored shopping centers. We induced one of our mainstay lenders to structure a portfolio mortgage for $16.5 million across all the properties, that transferred over $6 million into the borrowers pocket, maintained a very competitive 10 year fixed rate and settled on a 30-year amortization, non-recourse.
