Commercial Loans from Private Lenders

LOAN SIZE: $5,000,000 - $150,000,000.
LOAN TYPES: Bridge Loans, Corporate Restructuring, Corporate Working Capital, Import-Export, Intermediate Term Lending, Inventory, Leasing, Leveraged Buyouts, Management Buyouts, Mezzanine, Participations, Recapitalizations, Refinancing, Tax Exempt
Lending Parameters-

• Acquisitions, Refinancing, Restructuring, Expansions for:
  Apartments, retail, offices, hotels, agricultural, industrial, multi-use

• LTV - Up to 85%

• Aggregate Loan Size Range - $5-250M

• We are NOT doing any development, construction, joint ventures or startups

• An executive summary and financials on the property and borrower should be enough for us to give you an immediate answer.

Intelligent Funding works closely with a Private Lender/Investor which is seeking new loans.

Below is a brief outline of the types of loans and their potential terms. Each project is dealt with on an individual basis, based on the nature and risk of the project, the amount of funding to be provided, the amount of funds the project principals are contributing, the collateral/guarantees provided, and the time in which the funds can be repaid, etc.  The "interest rate" will vary based on these factors, as well as other possible costs, such as "origination/placement", "loan service", and "exit" fees.  Additionally, until the full due diligence has been conducted, it is difficult to prepare a "Term Sheet", which is normally submitted with a "Letter of Interest".  The final proposed terms would not be decided until the completion of the full due diligence process. 

General Funding Parameters:

• Loan size: $15 million and up
• Borrowers must have money in the project, have applicable experience and be involved.
• 100% funding is not an option; Lender/Investor insists the owners of the project share the financial risk.
• Loans are normally made on a three to five year term. Up to 20-year amortization schedule can be used, with a balloon payment at the end of the term.
• 14% to 16% annualized interest rate.
• Depending upon overall terms, a portion of the project’s Net Profit may be allocated to Lender/Investor.
• 2% to 3% Loan Origination Fee *
• Loan Service Fee – based on specific project, normally $40,000 to $80,000 per year.
• No Lender/Investor operational involvement beyond due diligence.
• No particular industry preference; prefer “brick and mortar” projects, or acquiring a strong, stable asset.
• Collateral and Guarantees required. (If a collateral program contains added security, a larger funding amount is possibly obtainable and/or modifying the financing structure.)
• NO UPFRONT FEES, however upon issuance of loan parameters and acceptance the project will be responsible to pay Due Diligence fees, which may include: site visit travel, appraisals, legal, and third party reports, etc.

* NOTE: Broker fees are NOT included in the Lender/Investor Loan Origination Fee.  A separate broker fee agreement must be executed.
ALL projects must be submitted initially using the Lender/Investor criteria. If interest in the project is expressed, a copy of the complete Business Plan and other supplemental documentation will be requested.