1 commercial real estate, asset business loans, commercial real estate finance, lender, loan services, equipment financing, equipment leasing, commercial equipment loans, equipment lending, loans for equipment, domestic and international equipment financing, equipment sale leaseback, business loans, working capital, buy back, refinance, hard cash money, business and finance, commercial lender, financing, equipment sale leaseback, financial services, commercial real estate finance, bridge, resale, commercial property loans, finance, equipment sale leaseback, small business financing, equipment lease, leasing, commercial mortgage, accounts receivable factoring, business, commercial, signature, unsecured personal business lines of credit, 144 restricted and free trading stock loans, stock block purchases, equipment sale, ease-back, funding, equity, lender, medical healthcare doctor financing, purchase order, advance commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing
Mortgage Cap Financial provides commercial real estate financing to real estate investors and developers
 in need of construction, interim, or long term funding on commercial real estate.
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Welcome To Mortgage Capital Financial
Mortgage Cap Financial
PHONE: 212-631-4272    FAX: 212-208-3069
mortgages,loans,financingemail us

Loan Types

Information Needed
Construction Loan Documents Property Types

Commercial
Loan Application
Forms
Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program
Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist

Real Estate Loan Submission FormClick here for Loan Submission Form, please complete and
e-mail or fax back to us so we can review your project (in Word).

or in Adobe Acrobat format

LAND LOANS:
 
Loan Amounts: 1,000,000 to 100,000,000
 
Geographic areas: USA, Canada, and Mexico
 
Acquisition land loans up to 80% of purchase price and refinancing up to 70% of the value of land.
SMALL LOAN PROGRAM FOR COMMERCIAL AND MULTI-FAMILY PROPERTIES:
 
Loan Amounts: 500,000 to 3,000,000
 
Property Types: Apartments, retail, industrial and office buildings, hotels and motels.  Mixed use properties such as apartments over commercial use property are acceptable.
JUMBO COMMERCIAL FINANCING:
Loan Amounts:  5,000,000 to 750,000,000

Terms:  5 TO 25 YEARS

Property Types:  MULTI-FAMILY, COMMERCIAL, DEVELOPMENTS, HOTELS, RESORTS, CASINOS, RESIDENTIAL DEVELOPMENTS

Loan To Value:  UP TO 90%

Geographic:  USA, CANADA,  plus NORTH, CENTRAL, AND SOUTH  AMERICA

RATES ARE BASED ON RISK INHERENT WITH PROJECT.

Types of Loans:  CONSTRUCTION AND LONG TERM LOANS SECURED BY LAND AND IMPROVEMENTS
COMMERCIAL CONSTRUCTION FINANCING:
LOAN TO COST: UP TO 90% OF THE PROJECT CAN BE FINANCED, IN CERTAIN CASES UP TO 100% OF THE PROJECT CAN BE FINANCED.  LOANS AVAILABLE NATIONWIDE USA.  ALL 50 STATES CONSIDERED.
MORTGAGE FINANCING:
FIRST AND SECOND MORTGAGES AVAILABLE THROUGHOUT THE UNITED STATES.  CONSTRUCTION LOANS ALSO AVAILABLE. LOAN AMOUNTS OF 500,000 TO 200,000,000.  PROJECT TYPES CAN INCLUDE APARTMENTS, SHOPPING CENTERS, OFFICE BUILDINGS, HOTELS, MOTELS, INDUSTRIAL PROPERTIES.
WE FINANCE THE HOTEL AND MOTEL PROJECTS:
WE CAN FINANCE THE TO BE BUILT HOTEL OR MOTEL FLAGGED OR UNFLAGGED.  WE ARE READY TO PROVIDE THE CONSTRUCTION OR BRIDGE LOAN SO YOU CAN GET THE PROJECT OFF THE GROUND OR TO REHABILITATE. CONTACT: RICHARD MILFORD - PHONE: 212-631-4272  FAX:
212-208-3069 OR JUST PRESS THE E-MAIL ENVELOPE AND LETS START TALKING ON HOW WE CAN FINANCE YOUR PROJECT.

ATTENTION: DEVELOPERS

100% FINANCING NOW AVAILABLE

Pre-Leasing :  Not required

Property Type(s):  All property types are eligible under this program including apartments, condos, hotels, motels, office buildings, resorts, golf courses, and a wide variety of commercial and residential developments.

Geography:  Nationwide USA, Canada, Mexico, and other countries considered.

Minimum Deal Size (all-in cost):  $5,000,000

Maximum deal size (all-in cost):   $750,000,000

Development Type:  All types of residential and commercial developments are considered under this financing program including hotel resort projects and speculative residential and commercial projects and rehab deals.

Timing:  Maximum Five (5) Year Hold Period.

We are seeking developers and investors who have a successful track history and can demonstrate a successful history in residential and commercial development as well as real estate investing.

INVESTMENT PROPERTIES MORTGAGE LOAN PROGRAM -

PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word)
                                                                    or in Adobe Acrobat format


Property Types:

-  Office / Medical / Apartment properties / Industrial buildings / Retail centers / Warehouse properties / Mobile home parks / Self Storage

Loan Amounts:
$1,000,000 - $20,000,000

 Terms: 10 to 25 year term mortgages dependent on property type.

 Amortization: Up to 30 years.

 Property types: Apartments and commercial income producing properties.

 Loan Types: Fixed and variable rate loans for property acquisition, refinance, and permanent financing.

 Loan to Value (LTV): Up to 80% LTV: $1,000,000 to $3,000,000.

                                    Up to 85% LTV on apartments, office properties or anchored retail, $3,000,000          
        and above up to 20,000,000.

Recourse: NON RECOURSE

Origination Fees: PAR RATES   NO POINTS  FOR THIS SPECIFIC LOAN PROGRAM ONLY.                

Rates: 10 yr fixed rate w/ 30 year am:
           - Apartments: as low as 5.2%
(10yr T + 100 bp – 145 bp)
           - Commercial: as low as 5.6% (10yr T + 140 bp – 170 bp)

Pre-qualification: 72 hrs

Commitment Letter: Within 7-10 days of receipt of complete loan package

Funding: 30 to 45 days from Commitment Letter

NOTE: For the investment properties loan program only:

-  No seller carry or secondary financing permitted for this specific loan program

-  No restaurant, hotel/motel, auto related or land loans for this specific loan program

-  No construction loans under this specific loan program
PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word)
                                                                    or in Adobe Acrobat format

 

FLAGGED HOTEL / MOTEL PROPERTIES

Quality Properties and Borrowers

 

Loan Amounts:          $2,000,000 - $10,000,000

Term / Am:                  10 year term with 25 year amortization

Loan Types:               10 year fixed rate loans for property acquisition and refinance 

Loan to Value (LTV): 70 precent maximum for purchase or refinance (no cash out). 65% maximum if cash out refinance unless being used to enhance value of property.

Recourse:                  Full recourse for this particular program, non recourse loans may be available at different rate, terms and conditions and may have yield maintenance prepayment penalties, this particular program have different prepayment penalty scenarios are dependent upon the specific project.

Origination Fees:      NONE

Loan Fees:                 2 to 4 points

Rates:                         10 yr fixed rate w/ 25 year am: 6.5% to 7.5%

Pre-qualification:      Completion of our loan submission form, once reviewed and there is interest the documentation below  will be requested.

Real Estate Loan Submission FormClick here for Loan Submission Form, please complete and
e-mail or fax back to us so we can review your project (in Word).

or in Adobe Acrobat format

Commitment Letter: Within 7-10 days of receipt of complete loan package.

Funding:                     30 to 45 days from Commitment Letter.

NOTE:  

-     Good credit and cash flow. DCR: 1.3 minimum.

-          Established properties only. No turnarounds, startups or construction.

-          Value based on lower of purchase price or appraisal, if purchase.

-          Borrower must be experienced or hire recognized hotel management company.

Please note that we have other hotel/motel financing programs that will review turnarounds, both franchised and non franchised hotels and motels, rates and terms are subject to change and underwriting.

NEEDED TO PRE-QUALIFY:

-          Last 3 years property tax returns.

-          Year-to-date financial statements.

-          Current credit bureau with FICO on Borrowers.

-          Executive Summary from latest appraisal.

-          Current Personal Financial Statements for Borrowers.

-          Latest personal tax returns from Borrowers.

-          Digital photos of property, or web site with photos.

-          Last 3 years occupancy annual reports.

-          Year to date occupancy monthly reports.

-          Amount of loan request.

-          Detailed use of funds.

Commercial Bridge and Construction Loan Program

$3,000,000 to $25,000,000

Purpose:

Commercial construction loans and or commercial bridge financing for the ground-up development of new commercial properties, or the renovation and repositioning of existing properties, for both pre-leased and speculative development. Loan structure, pricing, advance to cost ratios and recourse requirements are flexible and will be tailored to meet the needs, risk profiles, and requirements of individual transactions.

Acceptable Property Types:  

  • Apartments
  • Condominiums
  • Office
  • Retail
  • Industrial
  • Mixed-Use
  • Hotels

Loan Term: 

Typically 12 to 24 month interest only term, with extension options when appropriate.

Loan to Value: 

75% on most property types; 65% on special purpose and hotels 

Maximum
Loan to Cost: 

 

75% to 85% (up to 100% on pre-leased projects) 

Loan Structuring: 

Loans typically structured with holdbacks for funding of all renovation and/or construction costs, tenant improvements, leasing commissions, and interest carry until stabilization, with monthly draws as costs are incurred.

Earnout Provisions: 

Earn out of up to 75% of the stabilized value funded upon achieving specified occupancy and NOI hurdles.

Loan Pricing: 

3.00% to 4.00% over six month LIBOR (interest only), plus 

Loan Fees of 2% to 4%. 

Liability: 

Loans are typically non-recourse, except for standard carve-outs. Speculative development projects will generally require completion and/or debt service guarantees. 

Closing Time Frame: 

Approximately 45 to 60 days. Quick closes available for time sensitive transactions

Permanent Loan:

Permanent takeout option offered with all construction / bridge loans. An Exit Fee of 1% is charged if the takeout is not elected.

Equipment Financing / Leasing Program -

PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word)
or in Adobe Acrobat format


Equipment Leasing Qualifications :

  1. Financing available for business purposes only. No part of any funds can be used for personal purposes, separate business banking account and company must be registered with city and state government. 
  2. Customer minimum 2 years in business, start ups and businesses established less than 2 years can be considered but personal credit of guarantors will be more critical
  3. Bank account open for at least two years and handled in a satisfactory manner, again less than 2 years can be considered with compensating factors
  4. Credit previously established for at least one year with a satisfactory payment history in the form of a lease, loan or trade agreement. If no prior credit maximum lease amount may be restricted
  5. Up to $50 million available with approval of completed application. Application only types of leases up to 150,000 with exceptional credit otherwise financial statements, tax returns and completed application

Mortgage Cap Financial specializes in the following transactions:
  • All Types of Equipment
  • Non-Rated Credits
  • Various End-of-Lease Options Available
  • Purchase Single Transactions and Portfolios
  • Profitable Companies, Minimum 2 Years in Business, start up and companies that are not profitable must have compensating factors such as additional collateral and/or personal guarantors
  • Domestic and International equipment financing


Why Lease?

It's simple: leasing can be more cost-effective than buying with cash, or with conventional loans -- especially if the new equipment can help increase sales or profits. And here's why:

  • Leasing conserves your working capital. You can finance up to 100% of the equipment cost, with no money down.
  • Leasing won't sap your business credit. In many cases, you can continue to use your existing lines of credit while leasing.
  • Fixed payments. Your monthly payments remain the same, no matter what happens to conventional interest rates.
  • Tax savings. Lease payments can be operating expenses that come out of pre-tax earnings.
  • Eliminate obsolescence. With an outright purchase, you 'own' that equipment, even if it is already outdated by newer technology. A lease can be structured to terminate when the equipment becomes obsolete.
  • Flexible Terms and Conditions. Leases can be adjusted to your needs. Options include seasonal payment skips, step-up or step-down payments, monthly, quarterly, or annual payments.
  • Simple accounting. A lease payment is typically a line-item expense that doesn't increase your liabilities on your balance sheet.

         
If you don't see your equipment on this list, we still should be able to lease it.  Most equipment can be leased.  Vendors of equipment and customers wanting to lease equipment, if you need a down payment at the time of your order we can work out special terms.
 

PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word)
or in Adobe Acrobat format

 

A

AC's

Aerial Lifts

Air Cleaning System

Air Compressor

Air Conditioners

Air Filter System

Air Purification

Alarm

Alignment Machines

Amusement

Analytical Equipment

Analyzer

ATM Cash Dispenser

Audio Video

Audio Visual

Automotive

B

Backhoe

Bagging Machines

Bakers Equipment

Balers

Beauty Equipment

Beds, Bedding

Beer Systems

Beverage Dispenser

Blast Cleaning

Blowers

Boilers

Bowling Lockers

Brake lathes

Breathalyzer Machine

Broadcasting Studio Equipment

Buffer

Bulk Storage Tanks

Bulldozers

C

Cameras

Car Wash

Carpet Cleaner

Carts

Cash Register

Chairs

Chipper

Cleaning Equipment

Clothes Press

Coffee Carts

Coffee Maker

Coin Changer

Coin Laundry Equipment

Color Matching System

Color Mixer

Computers

Compressors

Compactors

Concrete Pump

Concentrators

Construction Machinery

Containers

Conveyers

Coolers

Cooling

Cranes

Cutting Tools

D

Data projector

Deli Case

Dental Equipment

Diagnostic Equipment

Digital Systems

Dishwashers

Dispatch Equipment

Display Case

Draft Box

Dry Clean Press

Dry Cleaning

Dryer

E

Emergency Vehicles

Engraving Equipment

Excavators

Espresso Machine

F

Fax Machines

Filing Equipment

Film processors

Fixture

Floor Machines

Flower Coolers

Food Preparation

Food Service Equipment

Forklifts

Franchise Programs

Frame Machine

Freezer

Frozen Cocktail Machine

Fryer

Furniture

G

Gas Pump

Graphic Equipment

H

Heat Pump

Heaters

Heating

Hospital Beds

Hydraulic Submersible Pumps

I

Ice Cream Machine

Ice Machine

Ice Makers

Imaging Systems

Industrial Systems

Inventory Control Systems

Ironworkers Equipment

J

Janitorial

Juke Box

K

Kiosks

Kitchen Equipment

 

 

 

L

Laptops

Laser Engraving

Laser Systems

Laundry Equipment

Lawn Equipment

Lifts

Lighting

Lock Systems

Logging equipment

M

Machine Analyzer

Mail Boxes

Medical equipment

Medical Imaging

Merchandising Unites

Microwaves

Milling Machine

Mobile Communications

Mobile Phones

N

Navigational Equipment

O

Office Furniture

Organs

Oven

Overhead Cranes

Oxygen Concentrators

P

Packaging Systems

Packer Bodies

Pagers

Paint Booths

Paint Mixer

Pallet Equipment

Petroleum Gas Station

Phone Systems

Photography Equipment

Piano

Pizza Oven

Plotter

Pneumatic Tube Systems

Point of Sales

Portable Pumps

Portable Trade Show Exhibits

Prep Table

Press

Pressure Washer

Printing Equipment

Pump Systems

Push Carts

R

Radios

Range

Recovery Equipment

Recycling Equipment

Refrigeration

Register

Rehabilitation Equipment

Restaurant Equipment

Retail Units

Roll Offs

Router Tool System

S

Salon equipment

Sandwich Prep Table

Satellite Dish

Saws

School Buses

Screen Printing Equipment

Security Systems

Sewing Machines

Signs

Silk Screen Equipment

Shrink Wrap & Packaging

Skid steer Loaders

Slicer

Smart Dialers

Smoker

Snack Machine

Snow Board Press

Soda Machine

Software

Sound & Music Equipment

Special Industrial Equipment

Spray Systems

Steam Cleaners

Steel Pallets

Store Fixtures

Stove

Sub Maker

Surface doctor Equipment

Surveillance Systems

T

Telephone Systems

Television Systems

Test Equipment

Tire Equipment

Tools

Tractors

Trailers

Transportation

Treatment Tables

Trenching Machines

Trucks

Tub Grinders

Two Way Radio Systems

TV

V

Vacuum

Valve Equipment

Van

Vehicle Monitor Equipment

Vending Machines

Video Security

Voice Mail

W

Walk In Cooler

Warehouse Rack Systems

Washer/ Dryer

Waste Equipment

Waste Oil Heaters

Water Conditioner

Water Filter

Water Softener

Welder

Woodworking

Work Platforms

Wrecker

X

X-ray Equipment

Y

Yogurt Machine

Loan Types

Information Needed
Construction Loan Documents Property Types

Commercial
Loan Application
Forms
Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program
Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist

Real Estate Loan Submission FormClick here for Loan Submission Form, please complete and
e-mail or fax back to us so we can review your project (in Word).

or in Adobe Acrobat format


e-mail Mortgage Capital Financial


PHONE: 212-631-4272    FAX: 212-208-3069

Loans provided are only for business and investment purposes.  Only business and investment property and other business assets can be used to collateralize any business and / or real estate loan request.  Funds can not be used for any personal purposes and can be only used for commercial business and investment purposes.  Borrower may be required to use single purpose borrowing entity which could take the form of a limited liability company or corporation.  The first step to begin to see if there is an interest in your business or real estate financing request is to complete the Loan Submission form and either e-mail or fax back to Mortgage Cap Financial.

web site: http://www.commercialfinancing.com
Legal Notice

Last update 01/01/2005.

Site created 11/27/98.
Web Site designed and maintained by
Able Al's Computer Help.
(c)1998-2005 Mortgage Cap Financial.  All rights reserved.

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