Howco Financial Group

Commercial Real Estate Funding

Welcome to our website. We are a commercial real estate lender and look forward to providing you with both the knowledge and resources necessary to make your experience both financially and educationally rewarding. As you may already know, residential real estate financing is based on three factors: your income, your credit, and your assets. Commercial lending is underwritten based upon the current and expected cash flow of the property and is not as concerned with your personal ability to repay the loan. In some cases, you won't even be personally liable for the loan. This means that to qualify for a commercial loan, in addition to your financial statements, you'll need to have a business plan outlining your expected income and ability to pay the loan throughout its term.


The cash flow generated from your commercial real estate property is the main factor in determining both the value of the property and the amount of money the lender is willing to provide. There are other factors to consider as well, including, but not limited to: the type of property, credit history for your business as well as your personal credit history, the length of any leases and the strength of the lessees, the condition of the property and the location of the property, including the economic climate in the surrounding area.

The first step in purchasing or refinancing your commercial property is to know exactly how you'll use the property. In the case of a purchase-what type of property will you acquire? How will the property be used-will it be owner occupied or will you lease it out? How long do you intend to own the property? Are you going to manage the property on your own, or do you plan to hire a professional property manager? When do you plan on paying off the mortgage on the property? These are all questions you'll want to think about before applying for your commercial financing.

After you've identified a property that you are interested in purchasing you'll want to obtain the seller's historical financial information on the property to analyze its current and future cash flow that will contribute to your ROI (return on investment). Please give us a call today at the numbers below, and we'll help you get started and answer any other questions you may have. We are not here to fund your loan and disappear. We will be there as your advisor for all of your real estate questions. That is our commitment to you.

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Commercial Real Estate News from The Wall Street Journal online