2. Overview
And Understanding the Market
• This summary presentation broadly discusses the programs that are
funding. For those who are looking for more detail, such as specific loan
requirements (LTV’s, credit scores, etc.) we have that – in this presentation.
• Meanwhile, click to see what programs we are funding, and what we can
do for you.
3. Overview
And Understanding the Market
• At Chinnici Financial, it’s our personal passion and mission to see
business get the loans they need – thus keeping the economic engines of
this great country running. We are accomplishing this, even in this
market, through our strong relationships with over 350 funding lenders.
4. Overview
And Understanding the Market
• At Chinnici Financial, it’s our personal passion and mission to see
business get the loans they need – thus keeping the economic engines of
this great country running. We are accomplishing this, even in this
market, through our strong relationships with over 350 funding lenders.
• The Marketplace has changed significantly in the past few years. Recent
regulations (requiring banks to meet an Asset-to-Loan ratio of 1:1) are
compelling banks to get loans off their books, or they risk Federal take-over.
Which is to say that, in large part, local banks are not lending.
5. Overview
And Understanding the Market
• At Chinnici Financial, it’s our personal passion and mission to see
business get the loans they need – thus keeping the economic engines of
this great country running. We are accomplishing this, even in this
market, through our strong relationships with over 350 funding lenders.
• The Marketplace has changed significantly in the past few years. Recent
regulations (requiring banks to meet an Asset-to-Loan ratio of 1:1) are
compelling banks to get loans off their books, or they risk Federal take-over.
Which is to say that, in large part, local banks are not lending.
• But with our relationships, plus combining programs through a number of
different sources (traditional banks, SBA, Wall Street, Private Equity, SDIRA
and other creative programs), we are able to structure programs from the
smallest to literally, the very largest projects.
6. Overview
And Understanding the Market
• At Chinnici Financial, it’s our personal passion and mission to see
business get the loans they need – thus keeping the economic engines of
this great country running. We are accomplishing this, even in this market,
through our strong relationships with over 350 funding lenders.
• The Marketplace has changed significantly in the past few years. Recent
regulations (requiring banks to meet an Asset-to-Loan ratio of 1:1) are
compelling banks to get loans off their books, or they risk Federal take-over.
Which is to say that, in large part, local banks are not lending.
• But with our relationships, plus combining programs through a number of
different sources (traditional banks, SBA, Wall Street, Private Equity, SDIRA
and other creative programs), we are able to structure programs from the
smallest, to literally, the very largest projects.
• But, some things are easier than others. Which brings us to the first:
8. Multi-family
These are some of the most attractive programs right
now, as Government backing provides less risk for funding
banks.
9. Multi-family
These are some of the most attractive programs right now,
as Government backing provides less risk for funding banks.
Examples
• Apartment buildings
• Apartment complexes
• Mobile Home Parks (East Coast)
10. Multi-family
These are some of the most attractive programs right
now, as Government backing provides less risk for funding
banks.
Examples Benefits include
• Apartment buildings • below $500,000 to above $20mm
• Apartment complexes • High LTV’s
• Mobile Home Parks (East Coast) • Low rates (currently at 4%.)
• Long terms, fully amortizing
(30, 35, 40 yrs),
• Non-recourse
13. Investment Properties
Investment properties encompass a large group of businesses,
some of which are owner-occupied (owner-run), and some not:
Examples
• Office
• Mixed use
• Retail
• Warehouse
• Light Industrial
• Self-Storage
• Strip centers
• Large Shopping Centers
14. Investment Properties
Investment properties encompass a large group of businesses,
some of which are owner-occupied (owner-run), and some not:
Examples Benefits
• Office • Loan amounts to $10mm and above
• Mixed use • Owner-occupied qualifies for SBA
• Retail • LTVs 65%-75%
• Warehouse • Reasonable credit score parameters
• Light Industrial • Bridge loans available.
• Self-Storage • Limited and Non-recourse available.
• Strip centers
• Large Shopping Centers
16. Special Purpose Properties
Usually a little more difficult, we are still placing these. Owner-
occupied are easier:
Examples
• Restaurants
• Gas Stations
• Convenience Stores
• Hotels / Motels
• Daycare Centers
• Assisted Living Facilities
• Dry Cleaners
• Funeral Homes
17. Special Purpose Properties
Usually a little more difficult, we are still placing these. Owner-
occupied are easier:
Examples Benefits
• Restaurants • Loan amounts up to $5mm and above
• Gas Stations • Some qualify for SBA/USDA, with
• Convenience Stores attractive LTVs; others, 65%
• Hotels / Motels • Reasonable credit score parameters
• Daycare Centers
• Assisted Living Facilities
• Dry Cleaners
• Funeral Homes
19. Variations of loan types
General discussion
• Simply for discussion’s sake, within each of the loan
types, are variations of types. We will seek the most attractive
terms, first.
• Whenever possible, Governmental loans will generally carry
the most attractive terms: These programs include not only
SBA (in both 7a and 504) and USDA, but also other programs
related to healthcare, apartments with and without rehab, etc.
• Stated Income programs: Lower LTV’s than Full-disclosure
but are still easily funding, based on assets.
• Conduit Loans, also known as “Wall Street”, are generally
used for larger loans; and we will often place super large
ones, shared by several firms to accomplish the full funding.
• Hard money, including for land-only (Eastern US.)
21. Other Commercial Programs
Unique, and/or used in combination
• Churches: $25,000 to no maximum. 3.5x tithe. Very
attractive rates over $1mm.
22. Other Commercial Programs
Unique, and/or used in combination
• Churches: $25,000 to no maximum. 3.5x tithe. Very
attractive rates over $1mm.
• Acquisition/Development: Certain uses can go Governmental
(i.e., low rates; good terms.)
23. Other Commercial Programs
Unique, and/or used in combination
• Churches: $25,000 to no maximum. 3.5x tithe. Very
attractive rates over $1mm.
• Acquisition/Development: Certain uses can go Governmental
(i.e., low rates; good terms.)
• Medical Financing: to 100%. Additionally, have service
division that will assist in acquisition or disposal.
24. Other Commercial Programs
Unique, and/or used in combination
• Churches: $25,000 to no maximum. 3.5x tithe. Very
attractive rates over $1mm.
• Acquisition/Development: Certain uses can go Governmental
(i.e., low rates; good terms.)
• Medical Financing: to 100%. Additionally, have service
division that will assist in acquisition or disposal.
• IRA and/or loans against stock holdings: These are true loans
with ownership of holdings (and appreciation) retained. This is
one that you really want to contact me to discuss, as there are
significant tax advantages that almost all will benefit from.
Moreover, these loans are placed quickly – with cash in as little
as ten days.
27. Other Commercial Programs (con’t)
Unique, and/or used in combination
• Equipment
• Factoring
• Credit Card Receivables: Any business utilizing credit
cards, may obtain loans quickly against the average use.
28. Other Commercial Programs (con’t)
Unique, and/or used in combination
• Equipment
• Factoring
• Credit Card Receivables: Any business utilizing credit
cards, may obtain loans quickly against the average use.
• International Loans
29. Other Commercial Programs (con’t)
Unique, and/or used in combination
• Equipment
• Factoring
• Credit Card Receivables: Any business utilizing credit cards,
may obtain loans quickly against the average use.
• International Loans
• Platform Trades: A unique program for very high-wealth
individuals.
31. Experience and Relationship count:
• Our lending, and our proven relationships with over 350 lenders, are
nationwide.
32. Experience and Relationship count:
• Our lending, and our proven relationships with over 350 lenders, are
nationwide.
• While the banking environment is contracting, with these relationships, our
lenders are funding. We have knowledge of how to structure the deal for the
maximum interest for each specific lenders, matching the deal with the
specific lender appetite.
33. Experience and Relationship count:
• Our lending, and our proven relationships with over 350 lenders, are
nationwide.
• While the banking environment is contracting, with these relationships, our
lenders are funding. We have knowledge of how to structure the deal for the
maximum interest for each specific lenders, matching the deal with the
specific lender appetite.
• With this strength of relationship, our deals rise to the top, in a limited-
resource environment. Because they trust us to get them done, we are often
in a first-look situation in a limited-resource environment.
35. What you can expect from us:
• Quick screening, and aggressive placement attempt. Peer
collaboration for structuring and placement of difficult deals.
36. What you can expect from us:
• Quick screening, and aggressive placement attempt. Peer
collaboration for structuring and placement of difficult deals.
• A growing referral network, and reputation: Knowledge.
Experience. Speed!
37. What you can expect from us:
• Quick screening, and aggressive placement attempt. Peer
collaboration for structuring and placement of difficult deals.
• A growing referral network, and reputation: Knowledge.
Experience. Speed!
• CLOSINGS!
38. And…
"Always bear in mind that your own
resolution to succeed is more important
than any other one thing."
Abraham Lincoln
