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