Liquidity for Banks

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Most banks can package and sell commercial mortgage portfolios, turning notes into cash. In this difficult market, are options available for less-desirable transactions?Portfolio buyers must choose only the best scenarios in this market. Even reliable, paying customers feel the effects of the economic downturn, where sales may be off by as much as 50% in some industries. These great customers are still around, even if regulators have identified them as a “risky loan.”

Let’s look at a creative way to “bridge the gap,” while satisfying borrowers and working toward economic recovery. If you have any long-term commercial mortgages due in 2010, you will undoubtedly face tough conversations over reduced sales volumes, negative earnings, and lower market values on the subject properties. Alliance Commercial Credit can reduce bank exposure, allowing it to maintain its positive customer relationships. We finance up to 65% LTV in a first position on both owner-occupied and investor-property types. If there is a shortfall, the bank can remain in a second position as long as the combined loan-to-value is less than 90%. This option can improve the bank’s liquidity, as well as greatly reduce exposure on riskier credit.

Bridge financing is an ideal short-term solution. When customer financials improve and/or the market improves, the bank can rewrite and retain long-term customer relationships. This bridge loan option can also reduce a customer’s monthly expense since it is structured as interest only (IO) for up to three-year terms. This makes refinancing simple and cost effective.

Please call with scenarios! The bank can access the cash it needs and still keep the customer relationship while we all wait for the economy to stabilize.

I look forward to working with you, and wish you a successful 2010.

Sincerely,
Suzy Oubre
Principal, Alliance Commercial Credit Group
My direct line is 360-225-7407 or toll free at 877-594-9423.
soubre@alliancecomcredit.com
www.alliancecomcredit.com

Please Read…this could really help your customers.



Know a borrower with a great commercial real estate opportunity who doesn’t have enough for a down payment? Alliance lends using current appraisal FMVs and not just purchasing prices.
Know a borrower who wants to buy commercial property, but has poor global cash flow? Alliance uses subject property cash flow as standalone as long as there are good leases/tenants.
If you have owner-occupant loans due, but can’t refinance the customer because of poor financial performance due to the economy, Alliance can help!
We provide bridge financing on commercial properties for owner occupants and investor properties with no profitability from the operating company, poor performance, or tax delinquencies!
We restructure debt, pay off credit cards, taxing authorities, and valuable vendors. With a 65% LTV or less and CLTVs up to 90%, we can help consolidate your debt.
Alliance focuses on strong equity positions to work through issues that prevent your loan renewal. Find a program that fits your needs by making your first call to Alliance: 877.594.9423

Contact:Suzy Oubre877.594.9423soubre@alliancecomcredit.com