MEET YOUR TRUSTED COMMERCIAL FINANCIAL ADVISOR
PROCESS, FROM START
• Assist in developing a financial strategy for your property
• Underwrite and package necessary information in a format acceptable to all lending institutions
• Help you select the appropriate lender and negotiate the most favorable terms on your behalf
• Work with your counsel and lender’s counsel to ensure a timely closing
• Provide follow-up service on any post-closing issues and future re/financing needs.
FULL RANGE OF FUNDING SOLUTIONS
• Construction Loans
• Permanent Financing
• Acquisition Loans
• Commercial Finance / Refinance
• Senior First Mortgage Loans
• Hard Money Loans
Trusted commercial financial advisor
Case Study A
The owners of four gyms needed to restructure
their total debt of $44,000 a month. $19,500 was from
a 20 year mortgage loan
balance from equipment loans at $24,500 a month.
They needed to re-finance
the mortgage to get relief and re-finance their lines
The Liquidity Source re-financed the mortgage to a 30 year amortization from 20 year amortization at a much lower rate and saved them $8,000 a month.
Re-financed all the equipment loans to save $18,000 a month.
Total savings of $26,000 a month in cash flow or $300,000 a year.
Case Study B
The owner of two buildings needed to restructure and refinance to improve cash flow. One of the buildings was negative cash flowing and the other had a high rate of interest. The restructuring and refinancing had to be done at one bank, and the owner was looking for an interest-only loan. That is extremely unusual, as few banks issue interest-only commercial loans.
The owner needed an estimated $3.9 million in interest-only vehicles. These vehicles, called CELOCs, are extremely rare.
We found a bank that could do both loans for 10 years, interest only; two five-year deals with reset, plus an equity line of credit for a cash backup. We got the funding and saved the client almost $70,000 a year in cash flow.
“Market competitors were getting better terms from their bank, but after working with the same bank for several years we didn’t know where to go and didn’t want to be limited to only one bank. The Liquidity Source successfully guided us through permanent financing and helped us save a considerable amount of money compared to the terms we negotiated with the bank who provided the construction financing. Robert and Stu have a tremendous network of senior mezzanine and private lenders. Stuart works incredibly hard to understand the deal, and his diligence is equally impressive. Stuart’s natural talent as a financial auditor and his keen understanding of financial reports helped to expedite the due diligence process. I often get asked why we work with mortgage bankers. The truth is the fee we pay is earned in several ways. The access to multiple lending arms can drive proceeds, rates and terms. It can also drastically increase the profitability of the development. This can come with increased flexibility and prepayment options.”– Greg DeRosa, CEO of G2D Group
We wanted to ensure that we were getting the absolute best rate and terms possible and we were virtually guaranteed that by Liquidity Source because we were not obligated to take any deal presented by them unless it was the best deal. Finding a bank with the most favorable terms/rate for the refinancing of our commercial building. We got a really great deal done with a bank they found for us. It was a pleasant process working with Stuart. He was extremely responsive to every communication channel and he really worked hard to keep the deal moving forward despite a few obstacles that arose along the way. Stuart has a great understanding of numbers and what deals are most favorable to a specific circumstance. He was also extremely easy to contact and always available.”– Michael Tucci, Energy Fitness