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 Commercial Real Estate Mortgage Financing, Acquisition, Commercial Real Estate Financing,  Bridge and  Hard  Money  Loans, Refinance, Development, Hard Money, and Bridge loans. Working  Capital  Loans,  Equipment  Equity  Refinancing, Equipment Sale Leaseback Funding, Business Capital Financing, Medical  Doctors,  Dentist, Chiropractor,  Medical  Professionals
 

     Commercial Real Estate Mortgage Financing, Acquisition, 
     Refinance, Development, Hard Money, and Bridge loans.
Commercial Real Estate 
Financing, Bridge and Hard Money Loans

    Non-Conforming  Loans

A collateral based problem-solving entity 
that strives to make real estate loans on 
properties that may not meet conventional 
underwriting criteria with mainline financial 
institutions is at your disposal. Flexible 
creative financial solutions may available to 
you when traditional sources may not.  
Bridge Loans structured with no personal credit, 
net worth, financial or tax returns required.

We are your best choice for traditional and non-
traditional financing...We have the resources to 
estate and business financing request for most all 
viable projects.
Often as a result of time constraints 
or deal complexity, there is demand from borrowers 
for financing and/or equity that is not met by 
traditional sources.
 Yes we can meet the time |
demands and are able to structure a 
transaction 
that is funded and meets the borrower's needs.

COMMERCIAL  REAL  ESTATE  NATIONWIDE  

Non-Conforming  Creative  Loan Programs

  • Owner occupied, and non owner occupied

  • Refinance and cash out

  •  Purchase loans

  • Second trust deeds

  • Land and vacant lot loans, zoned commercial

  • Construction loans

  • Bridge loans

  • Hard Money loans

  • Takeout of Foreclosure loans

  • Credit FICO Score for A Credit is 625 or higher

  • Credit FICO Score for A- to D Credit is 600

  • Property types: Hotels, Motels, Resort Hotels,  
    Multi-unit Apartments, Office Buildings, Mixed use 
    property, Industrial, Churches, Medical buildings, 
    Child Care properties, Rental Units, and other 
    properties and Loan Programs

  • Loans are determined on a case by case basis: for 
    rates, points, fees, loan to value are very competitive 
    with most available loan programs.

  • Quick efficient Service and Funding 

  • Non-Conforming, Creative loan programs with: 
    Reduced documentation, Alternate documentation, 
    and full documentation. Many loan programs available

                ____________________________________

Hard Money Commercial Loan Programs:

Hard money commercial lending programs: Hard money 
commercial loans are also known as privately funded 
commercial loans, or "private money". This means that 
one or more private investors will fund your loan. Hard 
money commercial loans generally involve pre-existing 
commercial properties. However, we have multiple lenders 
and can lend against residential land parcels, developments 
(both existing and pre-existing.), cross-collateralizations, 
as well as additional creative techniques to get your deal 
funded. Hard Money Commercial - $500,000 & up.
Nationwide lending No prepayment penalty.
Assumable. Privately funded Common sense underwriting
  
Hard  Money  Acceptable  Commercial  Property  Types:
All types of rental property
Multifamily
Self-storage
Mobile Home Parks
Trailer Parks
Hotel
Motel
Residential Care Homes  
Congregate care homes  
Skilled nursing facilities
Churches
Bars, Taverns, Clubs, and Cocktail lounges
Restaurants
Auto repair shops


Hard  Money  Commercial  Bridge  Loans:
All states except Hawaii.
Apartment Buildings units
Multifamily units OK
Condos (unapproved/non-agency OK)
Up to 75% of Net Rental Income
No Employment Seasoning
Up to 30 yr Terms, 15-20 year terms standard
Rates: quoted per transaction
Points: varies
Sub-Prime Programs down to 575 (middle of three) score
Blanket Mortgages OK
Refinance (Rate/Term & Cash-Out) or Purchase
Cross-Collateralization OK
Bankruptcy or Foreclosure OK
Inherited Properties with Cash Out OK
Rental properties of 2 unites or more.  
(Private $ available for the really hard deals)


Some of the hard to fund unusual properties such as:
Funeral Homes
Rooming Houses
Day Care (no schools)
Campground
Car Wash
Mobile Home Parks
Industrial Units
Warehouses
Manufacturing Plants
Retail and Offices
Restaurants
Self-Storage Facilities,
Auto Body, Auto Repair Shops
Funeral Homes
Taverns,
Camp Grounds
Trailer Parks
Junk Yards
Boarding Houses
Hotels

Motels 
Mixed-Use of all properties considered!

Commercial, and Residential Developments, Real Estate Hard Money Projects

A bridge loan is interim financing for an individual or business until permanent or the next stage of financing can be obtained. Money from the new financing is generally used to "take out" (i.e. to pay back) the bridge loan, as well as other-capitalization-needs. Bridge-Loans-are typically more expensive than conventional financing to compensate for the additional risk of the loan. Bridge loans typically have a higher interest rate, points and other costs that are amortized over a shorter period, and various fees and other "sweeteners" (such as equity participation by the lender in some loans). The lender also may require-cross-collateralization and a lower-loan-to-value-ratio. On the other hand they are typically arranged quickly with relatively little documentation. Bridge Loan is for short-term period.
Bridge loans are often used for commercial real estate purchases to quickly close on a property, retrieve real estate from foreclosure, or take advantage of a short-term opportunity in order to secure long term financing. Bridge loans on a property are typically paid back when the property is sold, refinanced with a traditional lender, the borrower's creditworthiness improves, the property is improved or completed, or there is a specific improvement or change that allows a permanent or subsequent round of mortgage financing to occur. The timing issue may arise from project phases with different cash needs and risk profiles as much as ability to secure funding. A bridge loan is similar to and overlaps with a-hard-money-loan. Both are non-standard loans obtained due to short-term, or unusual, circumstances. The difference is that hard money refers to the lending source, usually an individual, investment pool, or private company that is not a bank in the business of making high risk, high interest loans, whereas a bridge loan refers to the duration of the loan.

Examples

  • A bridge loan is often obtained by developers to carry a project while permit approval is sought. Because there is no guarantee the project will happen, the loan might be at a high interest rate and from a specialized lending source that will accept the risk. Once the project is fully entitled, it becomes eligible for loans from more conventional sources that are at lower-interest, for a longer term, and in a greater amount. A-construction-loan would then be obtained to take out the bridge loan and fund completion of the project.
  • A consumer is purchasing a new residence and plans to make a down payment with the proceeds from the sale of a currently owned home. The currently owned home will not close until after the close of the new residence. A bridge loan allows the buyer to take equity out of the current home and use it as down payment on the new residence, with the expectation that the current home will close within a short time frame and the bridge loan will be repaid.
  • A bridging loan can be used by a business to ensure continued smooth operation during a time when for example one senior partner wishes to leave whilst another wishes to continue the business. The bridging loan could be made based on the value of the company premises allowing funds to be raised via other sources for example a management buy in.
  • A property may be offered at a discount if the purchaser can complete quickly with the discount off setting the costs of the short term bridging loan used to complete. In auction property purchases where the purchaser has only 14–28 days to complete long term lending such as a buy to let mortgage may not be viable in that time frame where as a bridging loan would be.
  • Bridge loans are used in-venture-capital and other-corporate-finance for several purposes:
    To inject small amounts of cash to carry a company so that it does not run out of cash between successive major private equity financings
    To carry distressed companies while searching for an acquirer or larger investor (in which case the lender often obtains a substantial equity position in connection with the loan)
    As a final debt financing to carry the company through the immediate period before an-initial-public-offering.
NOTE: If you want an SBA Loan....An SBA Loan minimum is $250,000.00 they will require 10% to 30% good faith upfront.  

Our Soft Terms for Hard Money/Bridge Loans will help close a deal....

To request information on our Commercial and Residential Development Real Estate Hard
 Money / Bridge Financing Projects, please e-mail Allbex, see below. 

Real Estate Commercial and Residential Development Projects   Inquiry  FORM

* REQUIRED FIELDS
Borrower name:
Name of company:
     
Name of Project and location:
  E-Mail address:
  Business phone:
  Business fax: 
    
  Cell number:
How would the applicant/borrower rate his credit:  Excellent,  Good, Fair, Poor
  What type of financing are you interested in:
     
Send an Executive Summary or provide details here:
Loan request amount, (approximately)

     Project Funding:

      Comments / Questions:

PRIVACY STATEMENTS: Allbex Financial does not rent or sell the personal or company information that you provide. To better protect your privacy we provide this notice. To make it easy to find, we make it available on our homepage and at every point where information may be requested. Allbex does not share this information with outside parties except to the extent necessary to complete your request for more information about financial products you may be interested in.  DISCLAIMERS /DISCLOSURE: Allbex Financial does not offer or give advice on any business or personal tax, or legal questions, or issues. Allbex does not engage in business consultancy. If an applicant has questions on any tax or financial matters, the applicant is strongly encouraged to consult with their\ CPA, or tax attorney. Allbex Financial reserves the right to modify or delete any financial product offering at anytime without notice. Nothing herein or in the information above shall be construed as advice. Allbex Financial only accepts applications from businesses, and does not accept any inquires or applications from any consumer individuals. Should an applicant have other questions or concerns about privacy, disclaimers, or disclosures policies, please contact us at: allbexfinancial@sbcglobal.net or fax at: 415-946-3307.  Past performance does not guarantee future results.

      Thank You!  The application and information will be e-mailed to you within a few hours of our receipt.

 
Broker/Consultants/Affiliates:
If you are interested in representing our Funding Programs, send us a request for the Broker / Affiliate Registration Form. 
Send Inquiry to: allbexfinancial@sbcglobal.net  Attn: New Business Manager,
Or use one of the  Inquiry  forms above to request a Registration Form, 

include your full Contact information, and your website address. 
 
Equipment Lease Back Funding (Since 1992)
Newport Beach, CA 92663
Fax: 415-946-3307 (Internet Fax)
E-mail:
allbexfinancial@sbcglobal.net 

(C) Copyright 1992 - 20
11 All Rights Reserved
 
Commercial Real Estate Mortgage Financing, Acquisition, Commercial Real Estate Financing,   Bridge and  Hard  Money  Loans, Refinance, Development, Hard Money, and Bridge loans. Working  Capital  Loans,  Equipment  Equity  Refinancing, Equipment Sale Leaseback Funding,  Business Capital Financing, Unsecured Signature Lines Of Credit, and Secured Lines of Credit, Medical  Doctors,  Dentist, Chiropractor,  Medical  Professionals