Bristol Bay Services
1-800-670-7261
507-726-3882
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Commercial Real Estate Application Forms Overview
Please read to help you understand how to use the
Application forms, and what the purpose is for each form.
Each application form for you to download
and fill out are below:
Business & Commercial Forms
Commercial Finance Loan Application
Commercial Finance Worksheet
Money used for Businesses such as:
- Working Capital
- Purchase of Equipment
- Expansion or merger of Business
- Inventory
- Accounts Receivable
- Consolidation of Debt
- Venture Capital
The Loan Summary Sheet
Used to describe all the pertinent data about the Loan Request, including information about the project and the Borrower. This is also used for Income Producing Real Estate Projects.
All of the information on the “Loan Summary Sheet” that pertains to the Project itself is information that you will find in the appraisal of the project.
Financial Statement
A Current “ Financial Statement “ is an ABSOLUTE MUST in every loan application. It reveals details of the Borrower’s Assets, Liabilities & Net Worth. Everything a person owns is Assets and should be included in the statement.
Examples of Assets are:
- Cash
- Stocks
- Bonds
- Real Estate Holdings
- House Hold Goods
- Jewelry
- Vehicles
- Any Receivables such as Contracts, Notes, etc.
Everything a person owes against the Assets that He/She owns are Liabilities and should be included in the statement. The Difference then is His/Her Net Worth. Lenders prefer to have a Financial Statement that has been prepared by an Accountant.
Profit &Loss Statement
If your Loan Request is for an Income Producing Project (such as an apartment, shopping Center or office building), you will also need a “Profit & Loss Statement”. This will show the actual income total expenses & net operating profit of the project at the end of the year.
Tax Returns
Most of our Lenders will require the last 2 years Tax Returns with each Loan Proposal. The Tax Returns will enable the Lender to verify income & expenses of the Borrower.
Lenders want to see the Complete return, including all Schedules submitted to the IRS.
If the Borrowing entity is a Partnership or Corporation,
You will also have to submit the last 2 years Corporate Tax Returns.
A full set of Tax Returns that is easily legible is very important in each of your Loan Submissions.
Resume
A Resume is an important part of your application package since it describes the back ground of the Borrower Requesting the Loan. It would certainly be advantageous in getting a
Commitment if He/She shows that He/She has experience in operating the
Business that the Loan is requested for. A good Resume should be neatly typed and include Borrower’s education, Background, a list of References and Personal Information.
Business & Commercial Form download link below.
Click on the 6 Download links for Application Forms below:
USE THIS AGREEMENT ONLY WHEN TOLD TO DO SO
Download
All Forms Above Need To Be Filled In Completely For Processing
Where do you go when the Banks say No?
We are saying YES, when Banks are saying NO!
Business Acquisition Financing
LINK
The acquisition of another company using a significant amount of borrowed money (bonds or loans) to meet the cost of acquisition. Often, the assets of the company being acquired are used as collateral for the loans in addition to the assets of the acquiring company. The purpose of leveraged buyouts is to allow companies to make large acquisitions without having to commit a lot of capital.
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RilCorp. Brokerage specializes in providing financing for Commercial Real Estate & Businesses. We facilitate financing for A - D credit borrowers.
Commercial Real Estate Finance -
RilCorp. is a correspondent & conduit for commercial real estate financing nationwide. Programs include Private Hard Money, Conventional, Church, Rehab & AG Finance.
·
Conventional Full Doc -
650/680+ Credit, 15 - 30 YR AM, $250K - $20MM + & Competitive Rate/Terms.
(SBA & USDA programs available).
·
Low Doc -
600+ Credit, 25 YR AM, $50K - $500K & Competitive Rate/Terms. (Debt servicing not as stringent as full doc transactions and tax returns may not be needed).
·
Agricultural Land Loans -
680+ Credit, $300k - $22MM, Competitive Rates/Terms. (Private Money Available).
·
Church Financing -
Traditional Debt, Private Money & Bond Financing available. (Up to 90% of new construction cost, up to 80% of purchase price & up to 80% LTV on refinances with traditional programs).
· Private Money -
A - D Credit. Private Money is often utilized when: time is essential, the projects or property does not meet the criteria of conventional lenders, bad credit, bankruptcies, judgments, foreclosures or IRS problems. Mission-Critical Issues: We often help facilitate financing on real estate where banks are unable. Most commercial property types accepted, no minimum credit guidelines, quick turn around and ugly situations are accepted.
(Up to 65% LTV, Interest Only or 15 - 20 YR AM & 1 - 5 YR Terms. Land up to 50% LTV) (Projected Value Construction Projects Available).
·
Acquisition Rehab - TX Only -
Private money terms from $100k - $3MM, Commercial Properties.
·
Property Types -
(Most Property Types Considered) Commercial Zoned, 5+ Unit Multifamily, Land, Ranches, Churches, etc.
Let us handle the work for you! Our goal is to make the financing process as stress-free as possible. No more moving from bank to bank in search of the product that fits your needs.
If you are seeking any type of Real Estate loan from Commercial, Private Money or Church Financing, we can help!
Commercial Loans
RilCorp. Brokerage understand how difficult it can be to secure a Commercial Real Estate Loan. The process can be confusing, time consuming and complex.
It doesn't have to be that way!
Through our Network of Lenders we have access to hundreds of
Financial programs and funding sources.
Specifically, we have relationships with large institutional lenders,
Wall Street Investors, Pension Funds, Insurance Companies, and
Private Lending Groups.
Mission-Critical Issues
We often help facilitate financing on real estate where banks have failed. Our lenders offer exceptional commercial mortgage programs beyond the limits of most local banks. Even if your credit is not perfect, RilCorp. Brokerage can work with you. With our network we are able to work with A, B, C and D credits.
Commercial Property Loans
We can handle many different types of commercial properties, here are just a few: Apartments, Shopping Centers, Truck Stops, Office Buildings, Warehouses, Automobile Dealerships, Day Care Centers, Golf Courses, C-Stores, Owner Occupied Buildings, Manufacturing Facilities, Movie Theaters, Health Care Facilities, Hotels/Motels, Raw Land, Car Wash, Casino, Churches, Gas Stations, Industrial Parks, Malls, Medical Buildings, Mixed Use Properties, Retail Shopping Centers, Storage buildings, Strip Centers, Subdivisions, Industries Buildings, and much more……
Loan Types
- Acquisition
- Acquisition & Development
- Asset Based
- Bankruptcy and Foreclosures
- Bridge
- Bank Workouts & Discounted Notes
- Rate/Term Refinance
- Agriculture Land Program
- Construction
- Debt Consolidation
- Development
- Rehab
- Refinancing
- USDA Loans
- SBA Loans
Loan Types
Acquisition An acquisition loan is used to acquire property using the loan proceeds.
Acquisition & Development Loans to both acquire and develop real property to an improved state. Voucher control is normally set up to disperse loan proceeds with interest only paid on funds distributed. Loan to value is determined by the estimated improved value.
Asset Based Loans for any purpose whereby collateral is put up for security.
Bankruptcy and Foreclosures Financing on real property assets until institutional financing is available or sale of asset.
Bridge A Bridge Loan is a loan that is used for a short duration of time until permanent financing is put in place. Bridge loans are a perfect solution to a timely acquisition or business opportunity because they allow a purchaser or investor to act quickly. These loans can be used for acquisition, buy-outs, foreclosures, cash out and construction purposes.
Construction A Construction Loan is a loan used to construct a building or other improvements of real property, with the land and improvements as collateral for the loan. Construction reserve accounts are generally maintained to disburse the money as the construction progresses. Up to 100% cost of construction available depending on the improved value.
Debt Consolidation A debt consolidation loan can offer a lower monthly payment by consolidating outstanding debts into one single loan. If the average interest rate on various accounts is high, a debt consolidation loan at a low interest rate can save money. Even without a change in interest rates a simple single monthly payment may be reason enough to consider this option.
Development Loans to both acquire and develop real property to an improved state. Voucher control is normally set up to disperse loan proceeds with interest only paid on funds distributed. Loan to value is determined by the estimated improved value.
Rehab A rehab loan is any loan used to acquire an existing property for the purpose of repairing deficiencies and remodeling.
Refinancing Paying off an existing loan/debt from the proceeds of a new loan using the same collateral as security. Typically, the choice to refinance is made when interest rates or terms are better than the original loan.
SBA Loans SBA’s Loan Program helps small businesses obtain needed credit by giving the government’s guaranty on loans made by commercial lenders. Applicants must meet
Commercial Real Estate & Business FinanceCASH QUOTE
For Your Privately Held Mortgage Notes or
Download
There has never been a better time to sell your mortgage.
We purchase privately held mortgage notes,
Trust Deeds and land sale contracts, etc..
FREE UP THE CASH YOU WANT NOW!
WE PAY TOP DOLLAR FOR YOUR MORTGAGE,
TRUST DEED, OR CONTRACT
As you know interest rates are at a historical low.
If there is one thing that I'm sure of ...
Your mortgage will never be worth more than today.
Now is the time to sell all or part of your mortgage!
ARE YOU IN NEED OF EXTRA CASH?
Are you tired of collecting the payments?
Would you like to convert the mortgage to cash
And let someone else worry about it?
If so, we provide a service to people like you who own a mortgage note.
We will buy ALL or PART of your mortgage with no effect on the payer's terms.
We pay a LUMP SUM OF CASH today for payments you would receive in the future.
FREE UP THE CASH YOU WANT NOW!
WE PAY TOP DOLLAR FOR YOUR
MORTGAGE, TRUST DEED, OR CONTRACT!!
Dear Note Holder:
If you are receiving payments on one of the above, we can be of help to you! We can solve your dilemma by paying you a lump sum of CASH NOW for the remaining payments that are due to you on your note.
We can purchase a stream of payments, plus your balloon; or we can purchase only your stream of payments and let you receive the balloon.
To find out how much cash you can receive, simply fill out the form below and mail it back to us immediately.
Our professionals can arrange a purchase plan that best suits your needs. For fast service call our office and ask for the note purchase department.
Download
WE ALSO PURCHASE STRUCTURED SETTLEMENTS
AND ANNUITIES.
If you would like CASH TODAY for any reason: debt payoff, large purchase, or an alternative investment opportunity, we can help!
We can offer:
- A full Purchase
- Partial Purchase
- Specified Amount
- With or Without the Balloon
We purchase notes secured by:
- Single Family Residences
- Multi-Family Units
- Mobile Homes (with land)
- Condominiums/Town homes
- Land (improved and unimproved)
- Commercial Properties
Dear Note Holder:
Download
- We can solve your dilemma by paying you a lump sum of CASH NOW for the remaining payments that are due to you on your note.
- We can purchase a stream of payments, plus your balloon; or we can purchase only your stream of payments and let you receive the balloon.
To find out how much cash you can receive, simply fill out the form below and mail it back to us immediately.
Our professionals can arrange a purchase plan that best suits your needs.
For fast service call our office and ask for the note purchase department.
We can usually give you a quote within 24 hours.
Please click on the link below and fill out form completely and fax the form to:
RilCorp.
Note Purchase Department.
Direct: 323-481-6998
Fax: 562-685-0531
Dont hesitate to call if you have any questions.
Download
We have the capability of purchasing full purchases, partial purchases, balloons, or reverse end purchases of first and second residential mortgages, as well as some commercial.
We can purchase annuities and lottery winnings (in applicable states), time-shares, fractional shares, recreational and residential lots, as well as developer financed land loans.
We also buy business notes. A business note is secured by assets other than real estate. We pride ourselves in highly competitive pricing and quick turn around.
We can offer quotes within 24 hours on individual sales with quick turn around on blocks of notes.
Please Contact US:
If you Need Financing
Download
Download
We facilitate financing for A - D credit borrowers.
Our goal is to match clients with the best program
To meet their financing needs.
Are you interest in selling a commercial mortgage loan(s), pool or portfolio of loans that you own?
For an indication of value we need to know the specifics about each of the commercial mortgage loans you are interested in selling, regardless of the commercial mortgage loans performance.
Please download, save and complete the spreadsheet that corresponds with the performance of your loan: performing, distressed (sub-performing and non-performing) and mature (or maturing) commercial mortgage loans.
Please feel free to call us with any questions, or simply complete the Excel spreadsheet below, email the required information to RilCorp@Live.com and contact us to verify receipt of the file(s).
Download
For Mature or Distressed loans
We need the following additional documentation:
A brief history / summary on each loan with recent updates as to why it's in this distressed state, copy of the note, copy of the appraisal, most recent rent roll and pay history.
Download
Identifying loans for sale, establishing new relationships and utilizing our existing client base to maximize each loans execution.
Our clients consist of Financial Institutions, Insurance Companies, Mortgage Banking, & Brokerage Firms, Funds, Private Investors, and other owners of Commercial Mortgage, Business, & Auto loans.
AirCraft & Yacht Finance Solutions
RilCorp. Brokerage, arranges special financing to customers nationwide for the purchase of heavy duty trucks, fleets of automobiles, construction and environmental equipment, and aircraft. Our lenders are experts in their fields and you can count on them to understand your business.
We are committed to pursuing the development of new and creative services for our customers. RilCorp. Brokerage doesn’t use standardized applications or off-the-cuff formulas – our financing is always custom-tailored to meet each of our customers' special needs.
DownLoad
Church Financing
Debt & Bond Financing available.
DownLoad
DownLoad
Creative finance Solutions
Commercial Real Estate Financing
RilCorp.Brokerage
A Division of Bristol Bay Services
is a conduit for
Commercial Real Estate Financing
Nationwide. ·
Where do you go when the Banks say No?
We are saying YES, when Banks are saying NO!
Church Financing
Religious Organization Loan Application If your church is seeking to expand we may be able to help! Our lenders occupy a unique position in church financing, with the capability to provide churches with a variety of options.
· Property Types:
Retail/Office, 5+ Unit Multi-family, Mix-Use, Day Care Center, Warehouse, Bar/Restaurants, Mobile Home Park, Self-Storage, Automotive, Rooming House, Marinas, Gas Station, Campground,
Car Wash, Bed & Breakfast, Day Care Center, Education, Flagged & Unflagged Hospitality, Golf Course, Industrial, Funeral Home, RV Park, Assisted Living Facility, Nursing Home, Special Purpose, Raw Land, Developments and more.
Receivable Factoring
Factoring allows the client to sell their accounts receivable for cash, versus waiting30 to 60 days to be paid by their customer. Factoring will provide the client the Capital they need to improve their cash flow and utilize funds for needs such as:
Covering payroll, cash to fuel growth or take on new jobs.
Normally 60% to 85% is advanced against the invoices generated
And the remaining Funds (minus fees) would be forwarded once the invoices are paid. A - D Credit.
Purchase Order/Contract Financing
This program provides the ability to utilize an existing Purchase Order (PO) or Contract for financing Direct Labor Inventory, Raw Materials, Work-in-Process,Finished Goods, Direct Overhead, Buy-Outs-Components Parts and Sub assemblies.
PO’s can include companies outside of the US. Minimum transaction size is
Typically $25,000 and can be based on a continuous PO with a client over an
Extended period of time. A - D Credit.
If you have questions,
Contact our corporate offices at:
323-481-6998 or via email: RilCorp@live.com
Company Overview
LOANS OF
$100,000.00 to $100,000,000.00
RilCorp. represent Over 700 Businesses For Sale, and affiliated with companies that have over 3000 buyers in their data base.
RilCorp. Business Brokerage Services, brings varied educational backgrounds and experience in business ownership, management, marketing, accounting, finance, budgeting and sales. We work with true experts in management, marketing, brokerage, and arranging financing, turnaround & crisis management.
Our success lies in our negotiation abilities which are essential in bringing about business opportunity sales. Matching buyers to business opportunities is a real talent that not all brokers have. It takes a lot of listening and reading between the lines.
Often buyers know that they want to buy something but they do not know what direction to look in. We work as a Transaction Broker which gives us the ability to provide help to both buyers and sellers.
Services Offered
Preparation: Marketing: Offer/Counter Offer: Closing: Post Sale Tax Planning. Buyer Services: We Help Individuals Purchase Any Vehicle with Challenged Credit Who's Currently Employed,
Call 323-481-6998 for immediate
Financing Assistance.
RilCorp. Business Brokerage Services has resourced hundreds of lenders to connect our users with a wide variety of funding solutions to help you buy, grow or start-up a business.
RilCorp. Brokerage offers small and mid-sized companies, as well as individual buyers, a better way to secure capital in amounts ranging from $100,000 to No Limit.
We will expedite the loan you need for Private Jet, Chopper, Yacht, & Residential, Commercial Planned Unit Developments and Condominiums, Business Acquisitions, Business Expansion, Refinancing, and other business projects.
The recent credit crunch due to the aggressive lending of subprime loans has prompted the federal government to impose tighter restrictions on S & L's and banking institutions.
The average borrower who obtained financing from local S & L's or banks, is being turned down. As a result, brokers are now receiving 40% more loan requests than before and a majority of these requests are for excellent real estate or business projects that need financing.
RilCorp. Brokerage co-brokering with companies placing about 80% of their loans with institutions other than S & L's and banks, so these government restrictions do not impose a threat to the brokering business, but have actually increased our business tremendously.
As a matter of fact, we have always used lending institutions such as life insurance companies, pension funds, real estate investment trusts, large "Fortune 500" credit companies, and private capital corporations that have plenty of funds at very competitive rates and terms.
Since 90% of the loans we arrange financing for are other than residential, our business continues to thrive! We have always specialized in commercial real estate loans, industrial loans, and business loans, since this type of financing is not as dependent upon interest rate fluctuations, or stagnant economy.
Unlike residential loans that generally have a 30-year term, commercial real estate loans are amortized over 25 or 30 years, but only have a term of not more than 7, 5, or even 3 years.
This means that 20% of all the commercial real estate buildings in your city will need to be refinanced in the next 12 months.
This is why 75% of our business is not for new construction, but mainly for refinancing these projects because their notes have become due. Since we almost never use S & L's or banks, we can continue to arrange financing even during economic slow downs, talks of recession, etc.
Have you ever heard of something called residual income?
Even if you haven't heard the term before, you certainly know how it works.
Residual income is a wonderful thing.
It's like a savings account that pays terrific dividends.
You put in the work (kind of like making a deposit in your savings account), and you receive regular, ongoing income each and every month
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The residual income can go on and on for years.
And depending on the work you put into it,
the income can really build to become serious money!
The key to generating residual income for yourself
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By leveraging your time,
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That's why I'd love to get your feedback
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I look forward to speaking with you soon and getting your feedback on the video!
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The Basics of Business Insurance
A business insurance policy for your company protects all of the hard work and money you put into it, and that insurance protects the people who work hard for you.
If you fall on rough times or want to protect your profits in good times, then understanding the different types of business insurance policies available to you will benefit your business.
Protect Your Business Property with Insurance.
There's a lot more to your company than the money you make. You have to consider, and often acquire business insurance for, your company's property, the people who come into that property, and the possibility of having to temporarily shut down business due to a natural disaster.
When seeking insurance quotes, make sure you ask about business property insurance to protect all of your workplace property.
This type of insurance is very similar to home insurance and protects both your property and your business equipment in case of a natural disaster or other accident.
That same natural disaster might also cause a temporary interruption in your work. A separate insurance policy, known as business interruption insurance, covers financial losses you may experience at that time.
Furthermore, you need to have coverage for your own liability. A general liability insurance policy protects you in case someone other than yourself or your employees is injured while on your business property.
If you have people working for you at your company's site, there are some additional types of business insurance you need to consider.
The most obvious is worker's compensation, and it covers your liability for any injuries an employee suffers while working.
Other types of insurance that you will need to consider for yourself and your employees include health insurance, disability insurance, and life insurance.
Comprehensive Business Insurance Plans
With so many different types of business insurance policies, you may be wondering if there's one insurance plan that covers a variety of policies. A business owner's policy, also known as a BOP, combines several of the policies into one.
You'll need to check with an agent to see how much they cost and if your business is eligible for this type of business insurance plan.
When getting a business owner's policy, make sure you understand what is and isn't covered, and what additional insurance coverage you may need.
There are many things to consider when starting or running a business, but don't let insurance fall to the side because you are too busy to deal with it.
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