All Forum Posts by: Karen Schimpf

                                                                                                                                                                                         https://flic.kr/p/MexLRS

A Dentist client got referred to me, he was being given a 6.7% rate on a 5 year fixed with a 25 year amortization to buy a building for his practice. He banked with this bank for years. I got him 5.8% for the same deal and the final rate I got him, after negotiating, was a 5 year fixed, with a 25 year amortization at 5.5%. That was with only 15% down conventional!

Let me repeat that, 5.5%, on a 5 year fixed with a 25 year amortization and only 15% down-conventional, not SBA. THAT WAS JUST LAST WEEK.

MOST BANKS ARE QUOTING AROUND 7% and SBA 7A borrowers are around 10% and I am getting my clients 6% or lower. Often, I can get the bank to pay my fee so that the COSTS ARE THE SAME. We are beating all your major banks, your regionals like Synods and Regions, and the local banks. Listen guys, the prime rate is up at 7.5% and the banks are having to pay into the 4’s now on interest on CD’s and Money Markets…they HAVE to price around 7% to make a profit. But we consistently do deals around the 6% handle and often with no points. We are no longer just the place to go when the banks say no…we are the place to go PERIOD!

Had another client call me last week, he was referred by the Realtor. I spoke to him and told him to send me the documents so I can pre-approve him, he said, “Brian, what really can you do for me. I have been pre-approved by 3 different banks and have a 7% rate quote”. I said, “how about 6%?” He is sending me his stuff today. 3 different banks, all around 7% and I will beat them by a solid 1%. On a $1 Million dollar loan that is OVER $600 a MONTH savings. EVERY MONTH!

If you want the best deal, Pre-approvals in 72 hours, certainty of closing and now the best rates…there is JUST ONE CALL TO MAKE…give me a call today at at 512-358-1511 today or get started by filling out this form! I look forward to serving you soon!

Karen

P.S.- We are beating the banks rates often by a solid 1%! Fast approvals, certainty of closing and NOW MUCH LOWER RATES? Drop the mic……give me a call today at xxxxx or go here to complete form. I will pre-qualify you at no cost and see if you too, can qualify for the best rates in the market. Give me a call today at 512-358-1511 today or get started by filling out this form!

Karen Schimpf

(512)-359-358-1511

[email protected]

www.ApplyCommercialLoans.com

Give me a CALL TODAY at 512-358-1511 or get started by filling out this form!

One week is gone in this new year, and if you are like most people, you have already failed on 80% of your new year’s resolutions. BUT I WANT TO CHALLENGE YOU TO KEEP GOING, GET BACK ON THE HORSE. Start again this week, just taking one small step toward each goal. For GA fans, who will be up late tonight watching the Championship game, get started tomorrow-LOL.

The key is to remember it is just week 1 of a 50 week year. The battle is not won in week 1. The battle is won in week 39 when you have been nailing whatever goal it was and you are having victory out on the field of your life. So don’t get down, look at why you had a misstep last week and do better. Maybe you tried to do too much, scale it back, just do a little… I tell my staff all the time, “How do you eat an elephant? One bite at a time.” Just take one bite at a time but DON’T write off the goal for the entire year because you botched it in week 1. Get back in the game, analyze, correct, take the next step and get going. YOU CAN DO THIS!!!

I know all the reasons why my business should slow down this year, forcing me to gain market share to keep my volume up, but I am telling you guys-I don’t see it in my volume. I have been busier these last few weeks then EVER before. And it is people buying buildings, people buying out partners, start up franchise loans, it is EXPANDING type of loans. No refinances. These are purchases and growing businesses. I still expect a slowdown to happen, but as my father teaches in his podcast (The Great Awareness by Brian Peart available wherever you get your podcasts or here at https://businessradiox.com/?s=the+great+awareness) that we have to see things for what they are and not what we hear from the media. Yes, I think a recession or worse could come, should come maybe, but right now there is a lot of expansion and business going on-that is what I am actually seeing. So I am going to keep helping these people keeping a cautious eye out on the horizon but business IS STILL HAPPENING in 2023…so keep working it. It’s the only thing I know to do.

For those businesses hit with rising interest rates from variable 7A loans that are close to 10% now, we can fix your rate down in the 6’s! 4% in interest rate savings on a million dollar loan is HUGE-total game changer. And fixed against future interest rate increases. Give me a call today to refinance or for ALL your commercial and business loan needs. Call Karen at 512-358-1511 today or get started by filling out this form!

Karen Schimpf

(512)-359-358-1511

[email protected]

www.ApplyCommercialLoans.com

Give me a CALL TODAY at 512-358-1511 or get started by filling out this form!

Karen Schimpf

Commercial Capital, Ltd.

O: 512-358-1511

E: [email protected]

L: www.linkedin.com/in/karenschimpf/

B: http://bizloansconnections.com/

W: http://applycommercialloans.com

P.S. Our fixed rate commercial loans are hard to beat! I just quoted someone LAST WEEK at 5.8% on a 5 year fixed on a conventional loan with only 15% down! That was a full 1% better then what his bank had quoted him. We now have FIXED RATE SBA 7A LOANS for real estate AND business only deals as well! And the rates are 3% LOWER than the current adjustable rates! So if you want the best rates, Call Karen at 512-358-1511 today or get started by filling out this form!

                                                                                                                                                                                                 https://flic.kr/p/5PM21C

One week is gone in this new year, and if you are like most people, you have already failed on 80% of your new year’s resolutions. BUT I WANT TO CHALLENGE YOU TO KEEP GOING, GET BACK ON THE HORSE. Start again this week, just taking one small step toward each goal. For GA fans, who will be up late tonight watching the Championship game, get started tomorrow-LOL.

The key is to remember it is just week 1 of a 50 week year. The battle is not won in week 1. The battle is won in week 39 when you have been nailing whatever goal it was and you are having victory out on the field of your life. So don’t get down, look at why you had a misstep last week and do better. Maybe you tried to do too much, scale it back, just do a little… I tell my staff all the time, “How do you eat an elephant? One bite at a time.” Just take one bite at a time but DON’T write off the goal for the entire year because you botched it in week 1. Get back in the game, analyze, correct, take the next step and get going. YOU CAN DO THIS!!!

I know all the reasons why my business should slow down this year, forcing me to gain market share to keep my volume up, but I am telling you guys-I don’t see it in my volume. I have been busier these last few weeks then EVER before. And it is people buying buildings, people buying out partners, start up franchise loans, it is EXPANDING type of loans. No refinances. These are purchases and growing businesses. I still expect a slowdown to happen, but as my father teaches in his podcast (The Great Awareness by Brian Peart available wherever you get your podcasts or here at https://businessradiox.com/?s=the+great+awareness) that we have to see things for what they are and not what we hear from the media. Yes, I think a recession or worse could come, should come maybe, but right now there is a lot of expansion and business going on-that is what I am actually seeing. So I am going to keep helping these people keeping a cautious eye out on the horizon but business IS STILL HAPPENING in 2023…so keep working it. It’s the only thing I know to do.

For those businesses hit with rising interest rates from variable 7A loans that are close to 10% now, we can fix your rate down in the 6’s! 4% in interest rate savings on a million dollar loan is HUGE-total game changer. And fixed against future interest rate increases. Give me a call today to refinance or for ALL your commercial and business loan needs. Call Karen at 512-358-1511 today or get started by filling out this form!

Karen Schimpf

(512)-359-358-1511

[email protected]

www.ApplyCommercialLoans.com

Give me a CALL TODAY at 512-358-1511 or get started by filling out this form!

P.S. Our fixed rate commercial loans are hard to beat! I just quoted someone LAST WEEK at 5.8% on a 5 year fixed on a conventional loan with only 15% down! That was a full 1% better then what his bank had quoted him. We now have FIXED RATE SBA 7A LOANS for real estate AND business only deals as well! And the rates are 3% LOWER than the current adjustable rates! So if you want the best rates, Call Karen at 512-358-1511 today or get started by filling out this form!

                                                                                                                                                   https://flic.kr/p/2jZeZRD

Rates have gone up but not as quickly as residential rates and businesses are still expanding as you will see in the loans below…

$2.4 Million Purchase of a Sushi/Hibachi Company-Business Only

Location: FL

This was a 34-year-old successful restaurant/bar whose founder was retiring and wanted to sell it to his long-time managers. A business-only transaction, no real estate, we rolled in $200,000 of working capital. The borrowers put down 10% or $260,000 and got $200,000 BACK! So a net of only $60,000 to buy the restaurant they have been running for 30 years. It’s just a beautiful story and I see these deals all the time. Next week we are closing a bar/restaurant for $3.4 Million in GA, the same thing...the long-time manager is buying it from the founder. These legacy-type deals are just encouraging to see…people being rewarded for their service…it’s great. Most banks can not do business only transactions with no collateral over $500,000 but we can do it to the full $5 Million SBA loan limit. When you are looking to buy a business…we are the place to

go! call at 512-358-1511 or today or get started by filling out this form!

$1.0 Million Cash Out Refinance-Commercial Real Estate

Location: AZ

Banks still do not like Cash-Out Refinances, especially above 50% LTV. They REALLY don't like them when the cash out is being used for other investments. We have alternative lenders that will allow cash out up to 75% with NO strings on the money. In this case, the borrower was cashing out his office/warehouse to put into another venture. We closed this alternative loan with a 6.9% Interest rate and a 30-year fixed loan!!!! With residential mortgage rates heading into the 6's, this rate was a home run for the borrower and a 30-year fixed rate to boot! We have a full suite of alternative loans for those deals that are good but just outside of what banks are comfortable with. As more and more banks tighten, I expect these deals to grow in our pipeline. If you have a "just miss" bank deal…give me a call at 512-358-1511 or today or get started by filling out this form!

Start-Up Franchise Loans

Location: Nationwide

We close start-up franchise loans all the time, this one was special because it is a new franchise with less than 20 locations open. Lenders shy away from young franchises but we have brought many young franchises to success. Our start-up loans can sometimes go to only 10% down (must be very strong) but 20% down is the norm. That is of ALL the costs needed to open. In this case, the cost to build out the space, the franchise fees, equipment, training, marketing, AND working capital of $50,000 came to roughly $400,000 and the borrower put down 20%. Interest is factored in so that the borrower does not have a payment until the doors open. These loans are great and this market has stayed VERY hot.

People ARE starting businesses, buying businesses, expanding, and growing. The market still has legs. Yes, the risk for recession continues to grow and things are not all rosy, but business IS still going on and WILL, even in a recession. Shoot, even in communist China, there are businesses, Billionaires, and commerce goes on.

Disruption is the new normal, but with all disruption comes opportunities. Those who keep their heads about them and keep working and keep their eyes open are the future winners when the dust settles and WE ARE HERE TO HELP. I have been doing this since 2000 and have seen all sorts of drama and crises. The one consistent is that I am always able to lend to good businesses, no matter what.

SBA, CONSTRUCTION, ALTERNATIVE, PRIVATE MONEY, STATED INCOME, we have it all! Call Karen Schimpf today and get your loan funded. One call does it all at 512-358-1511

Karen Schimpf

(512) 358-1511

[email protected]

www.ApplyCommercialLoans.com

Give me a CALL TODAY at 512-358-1511 or get started by filling out this form!

                                                                                                                                                   https://flic.kr/p/2jZeZRD

Rates have gone up but not as quickly as residential rates and businesses are still expanding as you will see in the loans below…

$2.4 Million Purchase of a Sushi/Hibachi Company-Business Only

Location: FL

This was a 34-year-old successful restaurant/bar whose founder was retiring and wanted to sell it to his long-time managers. A business-only transaction, no real estate, we rolled in $200,000 of working capital. The borrowers put down 10% or $260,000 and got $200,000 BACK! So a net of only $60,000 to buy the restaurant they have been running for 30 years. It’s just a beautiful story and I see these deals all the time. Next week we are closing a bar/restaurant for $3.4 Million in GA, the same thing...the long-time manager is buying it from the founder. These legacy-type deals are just encouraging to see…people being rewarded for their service…it’s great. Most banks can not do business only transactions with no collateral over $500,000 but we can do it to the full $5 Million SBA loan limit. When you are looking to buy a business…we are the place to

go! call at 512-358-1511 or today or get started by filling out this form!

$1.0 Million Cash Out Refinance-Commercial Real Estate

Location: AZ

Banks still do not like Cash-Out Refinances, especially above 50% LTV. They REALLY don't like them when the cash out is being used for other investments. We have alternative lenders that will allow cash out up to 75% with NO strings on the money. In this case, the borrower was cashing out his office/warehouse to put into another venture. We closed this alternative loan with a 6.9% Interest rate and a 30-year fixed loan!!!! With residential mortgage rates heading into the 6's, this rate was a home run for the borrower and a 30-year fixed rate to boot! We have a full suite of alternative loans for those deals that are good but just outside of what banks are comfortable with. As more and more banks tighten, I expect these deals to grow in our pipeline. If you have a "just miss" bank deal…give me a call at 512-358-1511 or today or get started by filling out this form!

Start-Up Franchise Loans

Location: Nationwide

We close start-up franchise loans all the time, this one was special because it is a new franchise with less than 20 locations open. Lenders shy away from young franchises but we have brought many young franchises to success. Our start-up loans can sometimes go to only 10% down (must be very strong) but 20% down is the norm. That is of ALL the costs needed to open. In this case, the cost to build out the space, the franchise fees, equipment, training, marketing, AND working capital of $50,000 came to roughly $400,000 and the borrower put down 20%. Interest is factored in so that the borrower does not have a payment until the doors open. These loans are great and this market has stayed VERY hot.

People ARE starting businesses, buying businesses, expanding, and growing. The market still has legs. Yes, the risk for recession continues to grow and things are not all rosy, but business IS still going on and WILL, even in a recession. Shoot, even in communist China, there are businesses, Billionaires, and commerce goes on.

Disruption is the new normal, but with all disruption comes opportunities. Those who keep their heads about them and keep working and keep their eyes open are the future winners when the dust settles and WE ARE HERE TO HELP. I have been doing this since 2000 and have seen all sorts of drama and crises. The one consistent is that I am always able to lend to good businesses, no matter what.

SBA, CONSTRUCTION, ALTERNATIVE, PRIVATE MONEY, STATED INCOME, we have it all! Call Karen Schimpf today and get your loan funded. One call does it all at 512-358-1511

Give me a CALL TODAY at 512-358-1511 or get started by filling out this form!

Karen Schimpf

Commercial Capital, Ltd.

O: 512-358-1511

E: [email protected]

L: www.linkedin.com/in/karenschimpf/

B: http://bizloansconnections.com/

W: http://applycommercialloans.com

P.S. WE have money and we do not charge ANYTHING to get you to that term sheet. That's right, we are the ONLY NO RISK OPTION IN COMMERCIAL. I will preview your loan and, quickly determine whether we can get it closed or not, and if so, we will have terms in 48 hours from receipt of the basic docs. No cost, no risk. We close you or we make NOTHING. IF YOUR CURRENT BANK IS SAYING NO OR WORSE...TAKING FOREVER TO DECIDE, GIVE ME A CALL TODAY. I will have you quick answers and, you'll be on your way to a closing-just call Karen call at 512-358-1511 or today or get started by filling out this form!