At FC360, we offer commercial mortgage lending solutions designed to fit your borrowing needs. We understand and anticipate the needs of developers, small business owners and real estate investors, and, offer a fast, flexible and easy lending process. There is a wide variety of commercial mortgages available for your business. To help you pick the best option we have listed options available to you so you can make an informed decision.

admin | Commercial | 02 16th, 2010 | No Comments »

Finance the equipment you need rather than purchasing outright:

Equipment finance gives your business the equipment, software, and furniture it needs in order to operate successfully and make a profit. One excellent way to obtain equipment finance is through a lease. A lease is great for businesses because it does not tie up cash, receivables, credit cards, or bank lines.

Equipment finance through a lease is appealing to businesses because they do not need large amounts of collateral in order to get approved. The other major positive is that with a lease the taxes can be expensed.

Equipment Loan
Making of a loan using the equipment as collateral. Good operating history, credit rating, debt ratios are the keys.

Equipment Leasing
Contract for a fixed period of time in exchange for payments, usually in the form of rent for equipment. Typically lower credit requirements.

Municipal Equipment Leasing
A lease transaction with any government agency (i.e. Federal, State, County, City etc.).

Equipment Sale and Leaseback
Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax an issue here.

admin | Equipment Finance | 02 15th, 2010 | No Comments »

FC360 EQUITY INVESTMENTS

Equity investments are for companies with:

·More than $25 million in gross revenue potential.
·Large National or international potential.
·Management teams with successful track record.

Equity Loan
Offer of an ownership position to induce the loan or can be a note that has an option to convert from debt to equity.

First Round Funding
Typically funding that accommodates growth. Company may have finished R&D. Funding is often in the form of a convertible bond.

Second Round Funding
Maturing company where a future leveraged buyout, merger or acquisition and/or initial public offering is a viable option.

Later Stage Funding
Mature company where funds are needed to support major expansion or new product development. Company is profitable or breakeven.

Merger and Acquisition Funding
The combination of two companies. If one company survives, it is a merger. If both survive, it is an acquisition.

Mezzanine Funding
Company’s progress makes positioning for an Initial Public Offering viable. Venture funds are used to support the IPO.

Seed Funding
Earliest stage of business, typically no operating history. Investment is based on a business plan, the management group backgrounds along with the market and financial projections.

admin | Equity Investments | 02 13th, 2010 | No Comments »

FC360 COMMERCIAL MORTGAGE

Includes:

·Shopping centers, industrial buildings, office buildings.
·Golf courses, resorts, hotels, parking garages, car washes.
·Construction loans, ground leases, seconds, wraparounds, etc.

Acquisition & Development
Raw land infrastructure development.

Adjustable Rate Commercial Mortgage
Interest rate moves with a specific index (Prime, T-Bills, etc.)

Construction Mini-Perm
Construction with 3 to 5 year loan, usually on income producing property.

Construction Loan with Take-out
Construction with prearranged takeout loan in place.

Fixed Rate Commercial Mortgage
Interest rate remains constant throughout the term.

Hard Money Loan
Loans from private lenders based primarily on the hard asset value (commercial building, vacant land, etc.)

Bridge Loan
A short term (2 yrs or less) bridge or project type loan.

Joint Venture (JV)
A financial partner in the development of real estate.

Participating Mortgage
Lender receives a kickback for gross income above a preset level.

Real Estate Sale and Leaseback
Lender purchases land and leases back to borrower (generally developer) for a fixed rent plus other considerations. Mortgages are issued on leasehold at market rates. Usually, produces more dollars than a mortgage.

Real Estate Purchase Loan
Lending for the purpose of commercial real estate.

Second Mortgage
Loan secured by equity behind that of the first lien.

Wraparound
Lender makes a second mortgage and assumes the first mortgage.

admin | Commercial Mortgages | 02 13th, 2010 | No Comments »