Cohen Commercial Equity www.cohencommercialequity.com
PREFERRED COMMERCIAL LENDING
A1-Programs and Conventional Solutions
Call 1-800-928-6154 or 1-866-819-FUND
PREFERRED COMMERCIAL LENDING
A1-Programs and Conventional Solutions
Call 1-800-928-6154 or 1-866-819-FUND
Cohen Commercial Equity offers a variety of products that
can be customized to fit every client’s needs.
Our products include:
CONVENTIONAL COMMERCIAL
Home > Commercial Loans > Grade A
Commercial Loans
Conventional Loans
Small Business Administration Loans
HUD Loans
Conventional Loans
This would be for properties such as: Apartment complexes, office
buildings, shopping malls, warehouses, mini-storage, hotels and
many other types of quality properties.
Borrowers of Grade “A” loans who wish to purchase a property
should have at least the standard 10%-30% down payment in order
to qualify for a 70-90% LTV loan. Additionally, the property income
should be fully verifiable through our review of the SELLER’S tax
returns for the previous 2 years. Additionally, the loan amount and
payments should fit a 1.15 to 1.50 debt service coverage ratio
depending on the property type.
Typical interest rates will then range between 6-10% on an
adjustable or fixed basis with amortization terms between 20 and 30
years. On Grade “A” refinances, the maximum LTV can be as high as
90% when the borrower is just refinancing their existing mortgages,
or 75% if they are seeking a cash out mortgage. With this type of loan
we are typically competing directly with local and national banks.
Thus the profits are slim.
[Back To Top] apply online | apply by fax | contact us
SBA Loans (Small Business Administration) and SBA Look-a-Like
Loans
Cohen Financial Group uses this lending program on many loans.
SBA loans are perfect for many borrowers and their situations. SBA
loans are only for commercial real estate properties where the
borrower will owner-occupy at least 51% of square footage of the
building. We also have what is called an SBA Look-a-Like program
that has more aggressive parameters whereby the property only
needs to be 20% owner-occupied. The remaining building square
footage can be leased to tenants for additional income.
Thus, an owner-occupied restaurant or owner-occupied dry cleaners
are properties that would qualify. Conversely a multi-tenant strip mall
or a multi-tenant office building where the borrower is not occupying
at least 20% of the space, would not qualify.
SBA loans can be used for property acquisitions, expansions, or rate
& term refinances. Typically, SBA rates are adjustable and tied to the
Prime rate. The most common SBA interest rate is prime + 2.75%
over a 20 to 25 year amortization with no balloon. The maximum LTV
on an SBA loan is 90% with a 10% down payment. However, some
property types or loan sizes will not qualify for 90% LTV, in which case
the borrower may need a 20-30% down payment. One of the major
strengths of an SBA loan is that we can use the borrower’s future
income projections when we underwrite the loan. This allows a
borrower to buy a property that has a weaker historical income and
turn it around. Commercial loans take 30-90 days. However, in some
hard money circumstances a loan can close in less than 30 days.
[Back To Top] apply online | apply by fax | contact us
HUD Loans
Cohen Financial Group has special programs to allow you to close
Grade “A” apartment complexes, nursing homes, assisted living
facilities and mobile home parks at some incredible terms. By giving
us your leads on these types of properties, when the loan amount is
greater than $1,000,000, we can turn them into closed files,
translating into more commissions for your company. We can offer
these special loans through a government assisted HUD (Housing
and Urban Development) loan program. Although there is plenty of
government red tape that has to be dealt with, the end result of a
closed loan will be extremely beneficial to the borrower as well as
profitable to you.
Please note: Cohen Financial Group makes loans for as little as
$200,000 and can do so on apartment complexes, nursing homes,
assisted living facilities, and mobile home parks, as well as dozens
of other property types. However, the terms on loans between
$200,000 and $1,000,000 and other loans outside of this government
assisted program, although possibly favorable, will be significantly
different from what are listed on this page.
The program provides capital to apartment complexes, nursing
homes, assisted living facilities, and mobile home parks for new
construction and rehabilitation as well as purchasing and
refinancing. All you have to do is fax us a completed Apartment and
Nursing Home Loan Application and gather some documents and
we will do the rest.
REAL ESTATE SECURED BUSINESS
• All types of Real Estate
• From $150,000 to $2 million
• Terms of up to 2 years
• Fast response
• Costly appraisals may not be necessary
• Interest only payments
FACTORING/PURCHASE OF ACCOUNTS
RECEIVABLE
• For companies with monthly receivables between $25,000 to $5
million
• Advance rates are available up to 85 percent
• Quick access to cash
• Access can perform credit analysis, mailing and collections for the
Client
• Internet reporting
Clients that have benefited from Cohen Commercial Equity' factoring
solutions have included those in the toy and apparel industries,
hardware and software manufacturers, oil and fuel distributors,
personnel and temporary placement agencies. Our
factoring/purchase of accounts receivable products are flexible and
can be customized to meet the specific needs of the client.
can be customized to fit every client’s needs.
Our products include:
CONVENTIONAL COMMERCIAL
Home > Commercial Loans > Grade A
Commercial Loans
Conventional Loans
Small Business Administration Loans
HUD Loans
Conventional Loans
This would be for properties such as: Apartment complexes, office
buildings, shopping malls, warehouses, mini-storage, hotels and
many other types of quality properties.
Borrowers of Grade “A” loans who wish to purchase a property
should have at least the standard 10%-30% down payment in order
to qualify for a 70-90% LTV loan. Additionally, the property income
should be fully verifiable through our review of the SELLER’S tax
returns for the previous 2 years. Additionally, the loan amount and
payments should fit a 1.15 to 1.50 debt service coverage ratio
depending on the property type.
Typical interest rates will then range between 6-10% on an
adjustable or fixed basis with amortization terms between 20 and 30
years. On Grade “A” refinances, the maximum LTV can be as high as
90% when the borrower is just refinancing their existing mortgages,
or 75% if they are seeking a cash out mortgage. With this type of loan
we are typically competing directly with local and national banks.
Thus the profits are slim.
[Back To Top] apply online | apply by fax | contact us
SBA Loans (Small Business Administration) and SBA Look-a-Like
Loans
Cohen Financial Group uses this lending program on many loans.
SBA loans are perfect for many borrowers and their situations. SBA
loans are only for commercial real estate properties where the
borrower will owner-occupy at least 51% of square footage of the
building. We also have what is called an SBA Look-a-Like program
that has more aggressive parameters whereby the property only
needs to be 20% owner-occupied. The remaining building square
footage can be leased to tenants for additional income.
Thus, an owner-occupied restaurant or owner-occupied dry cleaners
are properties that would qualify. Conversely a multi-tenant strip mall
or a multi-tenant office building where the borrower is not occupying
at least 20% of the space, would not qualify.
SBA loans can be used for property acquisitions, expansions, or rate
& term refinances. Typically, SBA rates are adjustable and tied to the
Prime rate. The most common SBA interest rate is prime + 2.75%
over a 20 to 25 year amortization with no balloon. The maximum LTV
on an SBA loan is 90% with a 10% down payment. However, some
property types or loan sizes will not qualify for 90% LTV, in which case
the borrower may need a 20-30% down payment. One of the major
strengths of an SBA loan is that we can use the borrower’s future
income projections when we underwrite the loan. This allows a
borrower to buy a property that has a weaker historical income and
turn it around. Commercial loans take 30-90 days. However, in some
hard money circumstances a loan can close in less than 30 days.
[Back To Top] apply online | apply by fax | contact us
HUD Loans
Cohen Financial Group has special programs to allow you to close
Grade “A” apartment complexes, nursing homes, assisted living
facilities and mobile home parks at some incredible terms. By giving
us your leads on these types of properties, when the loan amount is
greater than $1,000,000, we can turn them into closed files,
translating into more commissions for your company. We can offer
these special loans through a government assisted HUD (Housing
and Urban Development) loan program. Although there is plenty of
government red tape that has to be dealt with, the end result of a
closed loan will be extremely beneficial to the borrower as well as
profitable to you.
Please note: Cohen Financial Group makes loans for as little as
$200,000 and can do so on apartment complexes, nursing homes,
assisted living facilities, and mobile home parks, as well as dozens
of other property types. However, the terms on loans between
$200,000 and $1,000,000 and other loans outside of this government
assisted program, although possibly favorable, will be significantly
different from what are listed on this page.
The program provides capital to apartment complexes, nursing
homes, assisted living facilities, and mobile home parks for new
construction and rehabilitation as well as purchasing and
refinancing. All you have to do is fax us a completed Apartment and
Nursing Home Loan Application and gather some documents and
we will do the rest.
REAL ESTATE SECURED BUSINESS
• All types of Real Estate
• From $150,000 to $2 million
• Terms of up to 2 years
• Fast response
• Costly appraisals may not be necessary
• Interest only payments
FACTORING/PURCHASE OF ACCOUNTS
RECEIVABLE
• For companies with monthly receivables between $25,000 to $5
million
• Advance rates are available up to 85 percent
• Quick access to cash
• Access can perform credit analysis, mailing and collections for the
Client
• Internet reporting
Clients that have benefited from Cohen Commercial Equity' factoring
solutions have included those in the toy and apparel industries,
hardware and software manufacturers, oil and fuel distributors,
personnel and temporary placement agencies. Our
factoring/purchase of accounts receivable products are flexible and
can be customized to meet the specific needs of the client.
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Who Do We Finance?
Our products and services are
designed to accommodate businesses
in a diverse number of industries. Our
financing products can assist clients
over seasonal periods or difficult
economic cycles, enabling them to
strengthen their financial position or
continue to grow their business.
From start-ups to seasoned
companies seeking additional funds for
expansion, acquisitions or turnarounds,
we are committed to providing timely
and efficient financing solutions.
Cohen Commercial Equity treats each
client with the utmost professionalism
and attention and we work hard to
gain our client's confidence. Our
ultimate goal is to assist businesses in
rebuilding the financial strength
necessary to provide the bridge to
traditional bank financing.
Clients include companies that are
start-ups, absorbing acquisitions, or
are experiencing:
• Rapid Growth/Sales
• High leverage
• Operating Losses
• Minimal or Deficit Net worth
• Turnaround or Bankruptcy
Situations
• Tax Problems
• Blemished Credit History
Our products and services are
designed to accommodate businesses
in a diverse number of industries. Our
financing products can assist clients
over seasonal periods or difficult
economic cycles, enabling them to
strengthen their financial position or
continue to grow their business.
From start-ups to seasoned
companies seeking additional funds for
expansion, acquisitions or turnarounds,
we are committed to providing timely
and efficient financing solutions.
Cohen Commercial Equity treats each
client with the utmost professionalism
and attention and we work hard to
gain our client's confidence. Our
ultimate goal is to assist businesses in
rebuilding the financial strength
necessary to provide the bridge to
traditional bank financing.
Clients include companies that are
start-ups, absorbing acquisitions, or
are experiencing:
• Rapid Growth/Sales
• High leverage
• Operating Losses
• Minimal or Deficit Net worth
• Turnaround or Bankruptcy
Situations
• Tax Problems
• Blemished Credit History
Working Capital Loans
Get the Cash you need NOW!
Cohen Commercial Equity
1-866-819 FUND
Get the Cash you need NOW!
Cohen Commercial Equity
1-866-819 FUND
Cohen Commercial Equity 1-800-928-6154
