A tenant with a top credit rating. This type of tenant is often critical to the developer’s ability to arrange both construction and permanent financing for a major commercial project, such as a shopping center or office building. See our full commercial real estate financing related glossary of terms.
If you are a minority or a woman or a small business owner, you are in luck. This means you are entitled to many government funded minority business loans. Below is a little info on that. If you run a soundminded company and have a good business plan, you will be entitled to a new business loan
Minority Business Loan Questions and Answers
Minority Business Loans
If you are a woman or an ethnic minority, you may be entitled to funds earmarked for minority business development. Many businesses and government organizations allocate funds to lend to minority business owners.
The Minority Business Development Agency (MBDA) is the only federal agency created specifically to foster the establishment and growth of minority-owned businesses. MBDA provides funding for a network of Minority Business Development Centers (MBDCs), Native American Business Development Centers (NABDCs), and Business Resource Centers (BRCs) located throughout the country. The centers provide minority entrepreneurs with personalized assistance in writing business plans, marketing, management and technical assistance, and financial planning to secure adequate financing for business ventures.
If you need additional help putting together your loan application package, you can contact your local small business development corporation. These agencies often make loans to applicants who have been denied for regular bank loans.
While the SBA does not offer grants to start or expand small businesses, it does guarantee loans of up to $250,000. Once you’ve been approved for an SBA-guaranteed loan, the next step is to find a lender that is approved by the SBA.
Read the rest of this article about minority business loans here
Entrepreneurs with small business opportunities in need of capital for startup can receive government small business loans. Some say a loan may be better suited for a small business than many grants or venture investors or funds.
Any type of business can be eligible for government small business loans. If you have a small business and a viable business plan, a government small business loan is an excellent idea!
You can take a survey to see if your company could use a GSBL.
You can learn to save money on your boat loan by being fully prepared and by fully prepared I mean use various boat loan tools to calculate your interest rates and your monthly rates on your actual loan. Here is a great boat loan calculator to calculate your new monthly payments for your personal watercraft of your choice.
Boat financing for a boat loan is easy. It is just as easy as an auto loan. Even if you need a bad credit boat loan it is still not that difficult. There are plenty of places where you can obtain a boat loan even if you have not so great credit.
I’ll posts links soon to boat loan sites and boat loan calculators, but for now take a look at the links around this page and you’ll find tons of great links.
Southfield auto lender Credit Acceptance Corp. announced plans to restate its financial results, possibly as far back as when it went public in 1992, following a regulatory review of its accounting policies.
The process could take at least six months, the company said in a statement released Friday. Credit Acceptance will have to delay filing its 2004 audited annual report, which could result in its stock being delisted from the Nasdaq stock market.
The company also said it has dismissed accounting firm Deloitte & Touche LLP, its auditor since 1998. Deloitte had refused to sign off on Credit Acceptance’s 2004 financial results unless the company changed its accounting methods, even though the accountant had approved that method for six years. The accountant’s position led Credit Acceptance to seek an opinion from the U.S. Securities and Exchange Commission, which regulates publicly traded companies.
The SEC agreed with the auditor that Credit Acceptance should change its policies.
At issue is the way Credit Acceptance accounts for its loans. The company provides auto loans to consumers regardless of their credit history. The loans are sold through a network of dealer partners, who immediately assign the loans to Credit Acceptance. The dealers receive compensation, called an advance, when the loan originates.
Since going public, Credit Acceptance has accounted for that business as the original lender to consumers, based on the recommendation of its accountants, the company says. But last year Deloitte & Touche decided Credit Acceptance should change its accounting.
The SEC ruled the company should classify itself as a loan-service provider rather than a loan originator.
“The company is optimistic that the required revisions to its accounting policies, while time-consuming and costly, will improve its ability to clearly communicate the company’s financial performance to shareholders,” Credit Acceptance said in its statement.
A lot of times you might wonder if now was the right time to refinance that massive loan or mortgage of yours in hopes of getting a much lower annual interest rate. Well, this loan refinancing calculator will let you know if now is the time. Visit the mortgage refinancing calculator Here.
Do you really need all of the flashy extras like DVD players in your new car? Is it really worth the cost? Read this article and find out now.
New-car frills: Is the bang worth the buck?
By Terry Jackson • Bankrate.com
You’ve made your decision about which new car is right for you: The model meets your family’s needs, it’s in your price range and the dealer is willing to deal.
As anyone who has ever shopped for a new car knows, the difference between a basic vehicle and one loaded with options can amount to as much as $10,000, once you add in everything from floor mats to a high-end stereo with a back-seat DVD player.
But will those options be worth the cost when it comes time to trade in that new car four or five years down the road?
It pays to shop wisely when choosing options. Some return only a fraction of the initial price and make very little difference in attracting a buyer or grinding out a few more dollars at trade-in time. Others can make a significant difference in value years later.
Here are some of the more common options and the residual value they will add to your vehicle when it comes time to sell.
These handy dandy auto loan calculators tell you how much your auto lease will actually cost in the long run and how much your monthly car loan payments will be.
Lease payment calculator
Auto loan calculator
This article might help you choose a car color when looking for an auto loan
Top 10 car colors for 2005
By Dana Dratch • Bankrate.com
10 car colors for 2005
Color % of sales
Silver 24.1
Black 16.7
Blue 12.7
White 11.8
Grey 10.5
Red 10.3
Green 5.7
Beige 4.3
Gold 2.6
Brown .7
Source: Power Information Network, a division of J.D. Power and Associates (2004 fourth- quarter sales)
The hottest car color? Silver is coolest when it comes to American car buyers.
“It just looks great on pretty much any body style,” says Susan Lampinen, chief designer of color and material design for Ford Motor Co.
It’s the runaway favorite with consumers across the board, from family sedans to sport utility vehicles.
Even in some sports cars, if silver isn’t first choice, it’s probably a not-too-distant second. The color conveys a clean, mechanical image that appeals to consumers and mirrors the technology that dominates modern life.
“People are becoming more aware of design,” says Teresa Spafford, lead designer for Mazda North American Operations. “Our cell phones, our computers, our furniture, our home decor accessories — everything has some sort of metallic accent or detail or element of metal.”
For 2005 vehicles, silver accounts for 24.1 percent of sales, according to statistics compiled by Power Information Network, a division of J.D. Power and Associates. The next runner-up: black, with 16.7 percent.
Mortgage Calculators allow you to enter your motgage amount, interest rate, mortgage term and they will tell you how much your mortgage monthly payments will be. Some mortgage calculators will even specify how much you must make annually to obtain a mortgage of a certain value.
Here is a small list of great mortgage calculators:
Mortgage Loan Calculator
Mortgage Calculator
Bankrate Calculator
Calculator.com
Hey guys…tons of people have been through it and nowadays it is nothing to worry about. Bad credit auto loans are easy! I’m soon going to find you the best sites and companies that will provide bad credit auto loans at the smallest rates of interest to you. Don’t worry, I will be posting the info into the bad credit auto loans category soon.
This is simply an auto loans test post. I will be posting much more about auto loans in the proper category in the near future.
Welcome to this resourceful site specializing in finding you information about loans and mortages.
Stick around and see what Requesting Loans has to offer.
Article by Jesse Bravin via RealEstate Journal
The Supreme Court gave local governments broad rein to take private property for economic development, ruling that transferring land to private investors for projects promising to bring jobs or commerce was a public use akin to building a park or paving a road.
The 5-4 decision lifts a cloud over redevelopment projects across the country that hinge on local authorities using eminent-domain powers to assemble parcels for private investors to develop commercially. Several projects could lead to the condemnation of property for conversion to shops or other uses that will feed off the primary development. The threat of condemnation, developers say, encourages holdouts to sell.
The court's ruling came in a case out of New London, Conn., a depressed manufacturing city whose economic hopes were buoyed in 1998 when New York drug maker Pfizer Inc. announced plans to open a research facility there. City authorities proposed to redevelop the adjacent residential Fort Trumbull neighborhood to capitalize on Pfizer's presence, including a hotel and a pedestrian "riverwalk." Most landowners sold willingly. Nine refused, and the city condemned their property.
For information about commercial real estate, contact Pacific Security Capital at 1-800-844-6085.
Article by Parke Chapman Via National Real Estate Investor:
With the Department of Defense shutting down military bases across the nation, commercial real estate developers are investigating potential redevelopment sites. As many as 33 major bases will be closed while another 29 bases will be “realigned,” which in military shorthand means they will absorb more staff. Meanwhile, the shuttered bases should save the government a whopping $50 billion over the next 20 years.
The government cost-cutting benefits are clear, but are base redevelopments worth the headache for developers? To be sure, decommissioned military bases offer unique risks and rewards for any developers bent on reinventing them.
For information about commercial real estate, contact Pacific Security Capital at 1-800-844-6085.
Commercial real estate investment bank, Pacific Security Capital, continues to expand its Commercial Real Estate Advisory Services Practice.
Beaverton, OR, -- June 16, 2005 – http://www.pacificsecuritycapital.com -- Pacific Security Capital (“PSC”), a leading commercial real estate investment bank, headquartered in Beaverton, Oregon, announced today that it is continuing to expand its commercial real estate advisory services practice by hiring new Director, Theddi Wright Chappell.
Ms. Chappell is a LEED Certified Professional with extensive experience in both national and international investment analysis and consulting services, having worked on projects throughout the US, in Canada, Europe, and Australasia.
"We are very pleased to have acquired the services of such a well respected professional,” said Mike Myatt, Executive Managing Director of Pacific Security Capital. “In addition to working with our domestic clients, Theddi furthers our commitment to support our international clients through her former experience as Managing Director for Landauer Australia.”
Pacific Security Capital’s commercial real estate advisory services practice offers the following services in North America and the European Community:
“Through Pacific Security Capital’s international platform and vertically integrated solutions, our commercial real estate advisory services practice is growing at a very rapid pace," said Myatt. “In today’s competitive investments sales market, our clients find that they are in need of quality research and information more than ever.”
To learn more about Pacific Security Capital or PacificEliteTM please visit www.PacificSecurityCapital.com or call 1-800-844-6085
About Pacific Security Capital Pacific Security Capital is a leading commercial real estate investment banking firm providing commercial real estate loans, structured finance, investment sales and advisory services. The combination of direct lending, advisory, intermediary, corporate and professional services, syndication and acquisition services consistently allow PSC to rank among the leaders in the industry. PSC is headquartered in Beaverton, Oregon with other offices in major markets in North American and Europe. More information about the company can be found at www.PacificSecurityCapital.com.
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For information about commercial real estate advisory services, contact Pacific Security Capital at 1-800-844-6085.
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