Capital Loan Program

offered throughoffered through

Capital Loan ProgramCapital Loan Program

Acadia Mortgage Solutions Inc.

Acadia Mortgage Solutions Inc.2

What is the Capital Loan Program? Financing through Acadia Mortgage Solutions from an

institutional lender

Specialized in small commercial & income producing properties

Programs designed to meet the needs of small business owners & investors

Equity-based lending (with a credit component)

Loans always secured by the commercial real estate


Traditional Money Sources Banks & Credit Unions

Trust Companies

Mortgage Bankers

Investment Bankers

Private Funding


Capital Loan Program’s Place?

CAPITALCAPITALLOANLOAN

PROGRAMPROGRAMTraditional Lenders Private Funding


Small Commercial Lending Arena

High Application / Commitment Fees

Reasonable fees!High Application / Commitment Fees

Inconsistent / Variable based on many market factors

YOU ARE THE FOCUS! This program is a stable solution that specializes in

small commercial mortgages (programs are designed specifically for small business owners,

investors and business-for-self clients)

Dependent & variable based on lender’s philosophy and business

goals

Reasonable DSCRStrong DSCR (1.40 or more)

No Cross-Collateralization requiredCross- Collateralization Underwriting requirements variable by investor

Short Term Loans / Temporary Solution

Mid-Term and Long-Term Solution (min 2 yrs)

1 to 5 year terms

All Property TypesMany Property TypesMarketable Properties

Environmental VariesEasier Environmental ProcessEnvironmental Phase I & II

Minimal DocumentationLimited Documentation (Stated Program)

Full Documentation

All Credit ConsideredWider Credit RangeStrong Credit

Fast ClosingsQuicker ClosingsLong Closings

Case-by-case LTVsHigher LTVsConservative LTVs

Higher RatesIntermediate RatesBest Rates

Private MoneyCapital Loan ProgramTraditional Lenders


Traditional Lender Requirements Full document programs often require the following documents as a

minimum, sometimes just for a pre-approval…Bank Credit ApplicationBackground Information SheetState of Personal HistoryManagement RésuméPersonal Financial StatementT4, T1, Notice of AssessmentFinancial Information: Business, Personal, & Affiliate Tax ReturnsCopy of Purchase Agreement

Lease AgreementCopy of Business LicenseEquipment ListingSchedule of Business DebtEnvironmental Phase 1 & 2Insurance InformationOperating StatementsRent Roll

…and more…

The Capital Loan Program is a lower-document program designed to consider the special needs of

small business owners and business-for-self clients!


Who Needs the Capital Loan?Clients under-served by traditional lenders due to:

Inability / Unwillingness to provide business and personal documentation

Fast service required Too much credit exposure to the bank Loan requested is under bank’s minimum loan amount Requirement of significant cash out (Equity Take-Out) Higher LTV needed Secondary financing needed behind bank’s loan offer Changes in bank lending philosophy


Who needs the Capital Loan?As an alternative to private financing solutions due to:

Need for higher LTV Need / desire for Lower Fees Need / desire for lower interest rate Need / desire for longer term Ability show improved credit situation


Loan AmountsLoan Amounts$100,000 - $750,000$100,000 - $750,000

Property Types

The Capital Loan Program

Multi-Family (5+ Units)

Office

Retail

Automotive

Mixed Use

Light Industrial / Warehouse

Self Storage


Mixed Use - $145,000 A+ Credit Borrower LTV 75% Owner Occupied First commercial property

for this client Closed in 38 days

Deal View # 1. . .


Automotive - $435,000 Owner occupied Bank not willing to

consider due to possible environmental concerns with this type of property

Local bank branch referred the client to the mortgage broker

Deal View # 2. . .


Retail / Office - $920,000 Borrower’s credit 685 LTV 70% Investment property Closed in 45 days

Deal View # 3. . .

www.acadiamortgagesolutions.com

Capital Loan Program

Documents

Transcript of Capital Loan Program