New Oubre 2.m4v

Time for Q & A

Having trouble viewing this email? Click here



Aug 20, 2011


Welcome to Alliance Commercial Credit Group

Dear Suzy,



It's hard to believe that summer is already half over, and if you have kids it's time for back-to-school shopping. It's a crazy time for working parents everywhere.

As the economy continues to slowly improve, we who are in the trenches know how difficult it is for recovering businesses to borrow money. Alternative financing has been very busy so far this year, so now is a good time to discuss the cash-flow dilemmas that improving business are experiencing. Increasing sales can mean negative cash flow, and the higher the sales, the worse the problem. So, how can we offer cash-flow assistance for clients who don't show the same operating profits over the last several years and who can't currently qualify for a line of credit or loan? Let's look at a couple of Q & A scenarios:

Q: I have a client who I can't offer a line of credit to at this time; however, if they continue to show positive trends and profits this year, I will be able to give them a credit facility. What can I do to help?
A: If your client sells products or services to other businesses and has assets, i.e., accounts receivable, inventory, equipment, or commercial real estate, we can put together bridge financing to help with their short-term cash-flow needs during their recovery. You can provide all the cash management services / operating accounts today, and we can offer the line of credit until the bank can administer a more traditional line of credit.

Q: Can you help with a client that owes money to the IRS or any other taxing authorities?
A: Of course! We do this all the time. Many decent business owners don't pay their taxes when times are tight, such as during the last downturn. Most banks are unable to help until these issues have been resolved. But when banks have to say no, we can offer these companies a credit facility. We'll help them get a simple repayment plan in place, or even an offer in compromise (OIC) depending on what assets they can leverage.

Q: If I have a client whose business is still losing money, what can I do to help?
A: Businesses can lose money several ways, including but not limited to: incorrect job costing, too much overhead, too many employees, inefficiencies in production, low sales or market share, etc. Often, a business owner knows his or her trade skill, but lacks the financial understanding that is required as a business grows. There are many things we can do to help a troubled business, so feel free to recommend your clients to us. Debt restructuring is a large part of what we do. In fact, refinancing and debt restructuring often go hand in hand.

In summary, we are here to help you secure future relationships and to preserve old ones. Let's discuss how we can help your clients and/or prospects for whom you serve as a financial advocate. Together, we'll help business owners quickly identify areas of weakness, and offer a solution that makes them financially stronger, faster

Call us today at 1-877-594-9423.






Enjoy a cup of Starbucks on us just for making us your first call!
If you have to say "no", call us at 877-594-9423
www.alliancecomcredit.com






Issue: 3
In This Issue
Finding Financing in a Battered Economy

Deja vu comes to mind. I wrote this article in 2002. Click on the link to see how history repeats itself.



Alliance Commercial Credit Group

8002 NE Hwy 99, Ste 503
Vancouver WA 98665

Office 877-594-9423
Fax 360-859-4577











Forward email



This email was sent to soubre@alliancecomcredit.com by soubre@alliancecomcredit.com |
Update Profile/Email Address | Instant removal with SafeUnsubscribe™ | Privacy Policy.

Alliance Commercial Credit Group | 8002 NE Hwy 99, Ste 503 | Vancouver | WA | 98665

THIS IS A TEST EMAIL ONLY.
This email was sent by the author for the sole purpose of testing a draft message. If you believe you have received the message in error, please contact the author by replying to this message. Constant Contact takes reports of abuse very seriously. If you wish to report abuse, please forward this message to abuse@constantcontact.com.

Asset Based=Collateral Based Lending

Check out this SlideShare Presentation:

Asset Based=Collateral Based Lending

View more presentations from suzyoubre.

Off and Running

Welcome to 2011! This year is off to a good start, and I expect it will continue to rebound throughout 2011. I've seen several emerging businesses which is a great sign for our recovering economy. Also a breath of fresh air for arranging financing. The birth of a new company is always rewarding...vs salvaging and restructuring business loans. Alliance Commercial Credit Group just closed on the first loan for the year. A 2 Million dollar Commercial Real Estate bridge loan. The cash out from this transaction was used to pay off a credit line as well as first mortgage that the bank wanted to exit.
My New Year resolution is not going to the gym, no new diet, just simply to try to figure out this blogging crap..:) and, I'm going to make a point to go out and meet all the branch managers of each bank. I know that a lot of smaller transaction die at the branch. Smaller isn't bad because our next generation of new entrepreneurs are emerging, and they will be the ones we want to invest time into helping them grow. There are options... check out this article about factoring.
Enough for now. I wish you a great new year!... and call me for deals you need help with! Suzy

Contract Financing

OK, this is a really cool concept. If you have a client that offers a unique product or service to bond rated investment grade customers listen up! If their service is provided under a contract term that creates a fixed payment stream, and they have been restricted in growth because they don't have the capital required to purchase the equipment necessary to provide services to larger clients, I just found a gold mine. Keep reading.

GROW YOUR BUSINESS AND CUSTOMER BASE WITH CONTRACT FINANCE



If you are looking for equipment and/or working capital to fulfill existing or future contracts, we have the product for you. It’s called Contract Finance and it will allow you to go after bigger, more profitable contracts than you have in the past. Two components are necessary for this structure;

 First, is a product or service that requires equipment and/or working capital for your business to provide for your customers.
 Second, a fixed-term contract ranging from 1 to 15 years with your customers.

These two items just may give you the capital you badly need.

In fact, you may have avoided pursuing larger contracts because you were unable, or concerned about having enough capital to fulfill the contract. If this strikes a responsive cord, don’t delay. Call us and we just may be able to help you.

Please contact us for more detailed information regarding this product.

www.alliancecomcredit.com
Suzy Oubre
877-594-9423

Going above and beyond

Question: Do you know Jack Daly?

Today we won’t focus on the fact that he built six businesses from scratch.

Instead, let’s highlight his follow-through that leaves a severely sweet impression upon his would-be and would-not-be clients. This ultimately leads to repeat business and to his own brand of success.

We hope his impression lends some leverage to your commercial loan origination game.

Daly’s End-Game Modus Operandi:

Execute his product or service sales pitch.
Regardless of outcome, thank the client for their time and exit accordingly.
Head to the lobby or reception area of the building, send a quick “thank you” email via mobile device.
Bust out his “Money Bag” full of stationery, write a “thank you” card, slap some postage on it, and mail it to the client for their time and consideration from their own building.
Excessive? Hardly. Thought-provoking and unique– yes.

There’s room for nice in every industry–even commercial hard money lending. Nice can be Oprah-expensive, or quite affordable.

Hand-writing a “thank you” card is an effective and inexpensive way to build reputation and authority. It’s genuine and real.

If you ever need an energetic, great speaker and educator Jack Daly is a lot of fun.
Here is a recent quick tip he sent to me.

Suzy Oubre
Alliance Commercial Credit Group
877-594-9423

Haiti Benefit

This Friday at 6 PM at the Woodland High School
ALL YOU CAN EAT PIZZA / RAFFLE AUCTION
Woodland Rotarian Club

Check out this video. Haiti Earthquake

Donations are also accepted

Liquidity for Banks

Hi Everyone, If this is a duplicate message for you just disregard it. I have to Blog the newsletters in order to make the search engines pick up my website.....aarrgghh all this internet stuff makes my head hurt!



Take a look at our Publications Section for the latest Alliance news and to download our useful matrix.

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

Merry Christmas

Make a Smilebox greeting

How healthy is your bank?

Look at this...finally a site that makes it easy to see.

http://banktracker.investigativereportingworkshop.org/banks/washington/

http://banktracker.investigativereportingworkshop.org/banks/oregon/

Quoted in Portland Biz Journal

The same credit crunch that’s making it so hard for businesses to obtain bank loans is striking alternative lenders, further limiting companies’ options for gaining working capital.Businesses that have relied before on asset-based lending — in which the loan is secured by collateral such as inventory, equipment or accounts receivable — or those that would like to explore the possibilities, may find such loans in limited supply. That may be especially vexing now, as spring is often a time for renewing bank lines of credit.Nonbank lenders specializing in asset-based lending— particularly those targeting small-to-medium businesses and entrepreneurs — are having a hard time getting capital to keep making loans, said Andrej Suskavcevic, CEO of the New York-based Commercial Finance Association.“In the fourth quarter of 2008, the credit markets imploded,” Suskavcevic said. “Banks began limiting their lending opportunities and shutting down credit availability to businesses.”That drove more borrowers to asset-banked lenders, just as some of those lenders found that their own credit limits were being squeezed.With less capital to lend, asset-based lending declined 1.9 percent from the third to the fourth quarter of 2008, according to a survey by the association. “The only reason we are not working with more businesses is that we, too, are limited by the credit situation, since we leverage our equity with bank debt,” said Len Ludwig, CEO of Vencore Capital in Lake Oswego, an alternative lender that offers financing, including equipment loans, to borrowers nationwide.“We have a limit on the amount of bank debt we can get today,” Ludwig said. “It’s very frustrating for us, because we can’t generate more loans.”Unable to take on every potential customer that meets the underwriting requirements, Vencore has become more selective, Ludwig said.“There are companies that in normal times would have access to credit and debt from a bank,” he said. “They, for the most part, are more advanced, more mature companies, and are now turning to us.”Meanwhile, companies that normally turn first to Vencore might not be able to obtain loans, Ludwig said.Businesses that may need credit soon should start investigating their options, especially if they are counting on renewing an existing line of credit, said Suzy Oubre, owner of Alliance Commercial Credit Group in Vancouver.“Most lines of credit are renewed every year,” with a significant share coming up between April 15 and the end of June, Oubre said. “This year I anticipate that there will be a lot of people axed out.”Over the past month Oubre has seen a flurry of interest in asset-backed lending, but borrowers often balk when they realize the higher costs of these loans.A competitive annual rate on a $3 million asset-backed loan might be 12 percent or higher, she said. A $750,000 loan could cost 15 percent to 16 percent.“People believe they deserve better,” Oubre said. “They’re never going to pay the higher cost of financing if they don’t have to, so they’re hitting up all the banks. But this may be all that’s available to them.”For riskier business borrowers, asset-backed lending may not be available for several months, because of the tighter credit markets these financiers face, Suskavcevic said.“I anticipate that you’ll see an increase in asset-based lending in the second quarter, as credit markets open up,” he said. “It’s going to allow the lender base to help get the economy back on its feet.”Ludwig, who believes a turnaround may take longer to occur, urges businesses to take extra care with their finances until credit loosens up.“Smaller companies need to figure out a way to be cash-flow positive, and keep potential lenders updated about their progress,” Ludwig said “That way they’ll be at the front of the queue when the dam bursts.”

Happy Tuesday

A break from work.... this is really sweet.

Our Interest Rates are Hot This Summer! www.alliancecomcredit.com
Spring is almost over and summer is ready to step in. Temperatures are on the rise and people everywhere are anxious to get out and about and enjoy the summer heat. The financial markets, however, still remain slow to warm up. Many of my clients are seeing their sales drop by 20-25%, making it difficult for them to complete loan renewals. Despite the seemingly frigid lending climate, you can still provide options to your clients, enabling you to retain customer deposits and come out on top. Even if your clients cannot be renewed for their credit line, or if they are unable to obtain financing for their commercial real estate loans that are coming due, they still have options available to them in the form of alternative lenders. By helping them into financing with one of these lenders, you are creating a win-win situation for everyone. You are avoiding becoming the "bad guy" for turning down their loan, and you are providing them with reliable bridge financing options until they are once again able to obtain traditional financing. I can work with you to help warm your client up to the idea of alternative lending. I am happy to make a joint call to discuss options, if you feel it would be helpful in preserving the deposit portion of the relationship. Often times customers are reluctant to embrace alternative lending due to the high cost Interest rates usually hover around 12-13% or higher, and that can be a difficult pill to swallow for someone who is already struggling financially. I am pleased to announce that I have drastically reduced rates on my private money products, starting at just 8.85%! With rates this low, you are able to present your clients with options that are comparable to bank loans cost-wise, but offer the speed, convenience and flexibility of hard money loans!Make me your first call when you have to say "NO" to a customer. Whether it's a prospect that you had hoped to help, or an existing relationship you would like to preserve, your customers still need banking and cash management services. If you know that you can't take care of their financing or loan request, and I have an option that will work, let's call on the customer together.

Call me anytime with scenarios; you never know what solutions I might have.

My toll free number is 1-877-594-9423.Take care, Suzy Oubre

Loan renewals 2009

I'm not sure if you saw this, but this was published in the VBJ last month. A little heads up for business owners who either have a line of credit with a bank, or for those who may be thinking about applying.

http://www.vbjusa.com/stories/2009-05-08/thinking_outside_the_box.html

Now is the time to be proactive on helping your customers. Those people that take the extra step to help business owners find the necessary financing they will need during tough times will retain their customer relationships and dedication.

Check out my latest newsletter for more tips

Let me try this again...Must see

Bumplock Device

Here is a break from work...... This video to so sweet. It the reunion between two guys who raised a baby lion, released it back to Africa, then came back to find him as an adult.

http://today.msnbc.msn.com/id/26184891/vp/25796645#25796645

Time to Shine the Clubs

How time is flying by!…. Golf season is just around the corner.

This year there are some changes to the Woodland Rotary Clubs annual golf tournament. Most important one is that we have switched to a 0800 shotgun start.

Despite the fact that this is going to be a tough year on the economy, we still have to dig deep in our pockets to help those less fortunate people. This fund raiser is our biggest project to raise money, and has the potential to help many. Last year the Woodland Rotary Club provided Christmas to over 40 families. That included wrapped gifts to put under the tree for the kids, and all the supplies to cook a holiday dinner for families who have been hit hard with the economy. We can’t do this without your help.

Check out the attached link with all the details. Come golf for a great cause! It’s also a great networking opportunity. Invite your favorite clients for a fun Friday, at beautiful Lewis River Golf Course.

Woodland Rotary Golf Tournament

Sign up today!

Suzy

Look Beyond the Bank to Keep Your Business Going in Tough TimesIn my last newsletter, I mentioned that a credit correction was coming. Well, it’s arrived.Right now it’s more important than ever to make sure your customers are educated on “other financing options” as credit standards continue to tighten. As you all know, there is very little formal education on financial matters in school; hence, we have a nation of poor money managers. For this reason, I suspect that both business and personal bankruptcies will be on the rise. Educating our youth as well as our business clients on financial strategies has really fallen upon us. How many business owners do you know have a MBA? How about any formal business financial training? Or are they from the most common “school of hard knocks”?When you need to exit a credit or have to deny a borrowing request just remember that there is a very big world outside of the bank! A world that isn’t confined to loan covenants like debt-to-worth ratios, tangible net worth, or federal regulations—I could go on and on. Here are a few financing options to keep in mind:
Accounts receivable lines of credit
Minimum request $200,000, no maximum
Non-conforming commercial real estate loans
Bridge loans from $250,000 and up
Factoring Invoices
Minimum request: $20,000 per month
Sale lease back on equipment
There are also times when a simple refinance isn’t the solution, when a business is just out of control. Over the years we have built relationships with professionals in the industry who specialize in helping our clients make the necessary changes to get back on track. Back to why they went into business to begin with—to make money! Call me if your customer needs:
Debt restructuring. This happens when there are not enough assets to cover all the debts.
Strategic planning for selling the company.
It’s time to work to preserve customer deposits and jobs and keep the economy growing by making sure that when your customers are cash-flow negative, or cash strapped, you can educate them on some financing options.Early intervention is essential during a recession to keep our customers in business. If you see that a customer needs help due to lack of profitability, frequent overdrafts, uncontrollable growth, poor management, or even tax delinquencies, you need to call me at 1.877.594.9423.
Have a Happy Halloween, and what a beautiful fall it’s been so far! Suzy Oubre Alliance Commercial Credit GroupPS. if you need additional information on any of these financing options I have more detailed explanations on my website at www.alliancecomcredit.com or feel free to call me anytime.