Welcome to Expertise in Commercial Lending

Welcome to Global Capital Funding

Empowering Your Commercial Real Estate Dreams

Nestled in the heart of Houston's vibrant Galleria area, Global Capital Funding stands as a beacon of innovation in the commercial real estate financing landscape. Since 2001, we've been turning visions into reality, one property at a time.

Our Story: From Local Roots to Global Reach

What started as a local service provider has blossomed into a powerhouse of commercial real estate expertise. Our journey began with a simple yet powerful idea: to provide businesses with the financial tools they need to thrive in an ever-changing market.

Today, we're proud to be a direct private commercial lender with a global perspective. Our team brings together leaders from across the globe, each contributing their unique insights to craft creative solutions for your real estate challenges.

Expertise That Spans Continents

At Global Capital Funding, we're more than just lenders – we're your partners in success. Our team of seasoned professionals brings a wealth of experience to the table:

Global Insight: Our international team offers perspectives from diverse markets.
Industry Veterans: With decades of combined experience, we've seen it all.
Innovation Leaders: We're constantly evolving to meet the needs of tomorrow's market.

Tailored Solutions for Your Unique Needs

We understand that no two businesses are alike. That's why we offer a range of flexible financing options:

Bridge Loans: Perfect for covering temporary financial gaps, bridge loans provide short-term funding while you secure long-term solutions.

Asset-Based Financing: Tap into the value of your assets to obtain funding without relying solely on your credit history.

International Funding Solutions: Expand your horizons with financial options designed for global business ventures.

But that's not all. Dive deeper into the world of commercial loans, where tailored solutions await:

Commercial Real Estate Loans: Secure the property your business needs with mortgages that often require 20% down, featuring unique structures like balloon payments.

Commercial Construction Loans: Access funds on a draw schedule to manage construction costs, from land acquisition to building completion.

Hard Money Loans: For quick financing based on asset value, hard money loans offer a solution that bypasses traditional credit checks.

Equipment Financing: Acquire essential machinery with loans or leases where the lender retains title, ensuring your operations run smoothly.

From $250,000 to $500 million, we have the capacity to fund projects of all sizes. Our commitment? To provide fast, flexible, and transparent funding that aligns perfectly with your business goals.

1. How do the terms and structures differ between loan types?

Real estate loans might have balloon payments and shorter terms. Construction loans follow a draw schedule to release funds as needed. Bridge loans are short-term, typically used for interim financing. Hard money loans focus on asset value rather than credit, often with higher interest rates. Equipment financing can be structured as a loan or lease, with the lender owning the equipment during the lease period.

2. What are the typical uses for each loan type?

Real estate loans are used to purchase property. Auto loans fund vehicles for delivery and transport. Construction loans cover building costs, including land purchase. Bridge loans help manage cash flow gaps in asset acquisition. Hard money loans are used when rapid funding is needed, often secured by real estate. Equipment financing helps acquire machinery or tools for business operations.

3. What are the characteristics and requirements of each loan type?

Commercial real estate loans often need at least a 20% down payment and may involve structures like balloon payments. Auto loans finance vehicles for business use. Construction loans disburse funds as needed for building projects. Bridge loans offer short-term funding between asset purchases and long-term financing. Hard money loans are asset-based and typically more costly. Equipment financing can be a loan or lease where the lender retains asset ownership.

4. What are the specific types of commercial loans available?

Some common types include commercial real estate loans, auto loans, construction loans, bridge loans, hard money loans, and equipment financing.

Exploring SBA Financing Options for Businesses

If you're searching for financing solutions backed by the Small Business Administration (SBA), there are several options tailored to different business needs. Here's a quick look at the most popular SBA loan programs available:

1. SBA 504 Loans

Purpose: Ideal for acquiring commercial real estate or large equipment.

Loan Amounts: Generally starting at $350,000.

Features: Offers low down payments and competitive interest rates, making it a favorable choice for businesses looking to invest in significant assets.

2. SBA 7(a) Loans

Purpose: Versatile for a variety of business expenses, including working capital, purchase of equipment, or refinancing existing debt.

Loan Amounts: Offers flexibility across a broad range of amounts.

Features: Known for its manageable down payments and extended repayment terms, which help ease the financial load on businesses.

3. SBA Express Loans

Purpose: Designed for quicker access to funds when timing is critical.

Features: Streamlined application process with faster turnaround, though typically offered for smaller loan amounts compared to the other programs.

Each of these SBA loan programs provides strategic financing options with specific benefits designed to support business growth. Whether you're looking to purchase property, expand operations, or simply maintain cash flow, SBA loans can be a practical solution for small businesses.

How Can a Business Calculate Its Monthly Loan Payment?

Calculating your business’s monthly loan payment is crucial for financial planning and budgeting. Here’s a straightforward guide to help you determine this monthly commitment:

Step-by-Step Guide to Calculation

Identify the Loan Amount: Determine the total amount you need to borrow. This should be based on your business needs and financial capacity.

Determine the Interest Rate: Find out the annual interest rate offered by your lender. This rate significantly impacts the total cost of your loan.

Choose the Loan Term: Decide on the length of time over which you’ll repay the loan. Common terms are in months, such as 120, 180, or 240 months. Longer terms generally mean lower monthly payments but higher total interest costs.

Use a Loan Payment Formula or Calculator:

The formula for calculating the monthly loan payment is:

[ M = \frac{P \times r \times (1 + r)^n}{(1 + r)^n - 1} ]

• M is your monthly payment.
• P is the loan amount.
• r is the monthly interest rate (annual rate divided by 12).
• n is the number of payments (loan term in months).

Alternatively, you can simplify this process using online loan payment calculators from trusted financial websites.

Consider Other Payment Scenarios

Shorter Loan Terms: Opting for a shorter repayment period can save you money in interest, though monthly payments will be higher.

Variable Interest Rates: Be aware that some loans offer variable rates, which can change over time and affect your monthly payment.

Finalizing Your Budget

Once you’ve calculated your potential monthly payment, assess whether it aligns with your budget. Ensure your business can comfortably manage this payment alongside other expenses.

By following these steps, you can confidently calculate and prepare for your monthly loan obligations, helping your business maintain financial health and strategic growth.

Understanding How Commercial Loans Work

Commercial loans are essential financial tools for businesses looking to grow, invest, or manage cash flow. These loans come in various forms, with each offering different structures and terms to meet diverse business needs.

Term Loans

A common type of commercial loan is the term loan. This involves receiving a lump sum of money upfront, which the business then repays over a set period with interest.

Short-Term Loans: These loans typically need to be repaid in a few months and are ideal for immediate, smaller-scale financial needs.
Long-Term Loans: With repayment periods that can extend over several years, these are more suitable for significant investments or expansion efforts.

Business Lines of Credit

Another option is a business line of credit. This functions much like a credit card for businesses:

You have a credit limit you can borrow against.

You pay interest only on the amount you draw.

As you repay the borrowed funds, your credit limit replenishes, allowing for flexible financial management.

Key Points to Consider

When exploring commercial loan options, consider the following:

Interest Rates: These can vary significantly, affecting your overall repayment cost.

Repayment Terms: Align these with your business's financial capabilities and goals.

Lender Requirements: Understand the eligibility criteria, as well as any collateral requirements, which can differ from one lender to another.

By understanding these elements, businesses can choose the right type of commercial loan to align with their financial needs and growth objectives.

What Special Benefits Are Available for Veterans Applying for Loans?

Veterans of the U.S. Armed Forces can enjoy a unique financial incentive when seeking new loan opportunities. Specifically, they are eligible for a 25% discount on fees associated with loan processing or origination. This generous discount applies to applications for new credit facilities within the domain of small business lending.

This benefit highlights the commitment to supporting veterans as they transition into civilian entrepreneurship, making financial services more accessible and reducing initial costs.

The Global Capital Funding Approach:

Personal Touch, Global Reach
In a world of automated responses and one-size-fits-all solutions, we stand apart. Our approach is simple:

Listen to your unique needs

Analyze the best possible solutions

Craft a personalized funding strategy

Execute with precision and care

It's more than a philosophy – it's the only way we do business.

How to Apply for a Commercial Real Estate Loan

Embarking on the journey to secure a commercial real estate loan involves a clear and structured process. Here's a step-by-step guide to help you navigate it seamlessly.

Preparation

Gather Essential Information:
Before beginning your application, ensure you have all necessary business and personal documentation ready. This might include financial statements, tax returns, and details about the property you wish to purchase.

Estimate Your Borrowing Power:

Assess how much you need to borrow and can realistically afford to repay. Consider your business’s financial health and the purpose of the loan to decide on a sensible loan amount. This will guide your search for the right loan options.

Understand Requirements:

Familiarize yourself with the application prerequisites. Most lenders will provide a checklist of required documents and qualifications, helping you streamline the process. Review factors such as your business and personal credit score, annual revenue, and available down payment or collateral. This self-assessment can help you understand your chances of loan approval.

Application Submission

Choose Your Method:
You can submit your application either in person or via phone. Many lenders also offer online applications, providing a convenient alternative.

Compare Commercial Lenders: Interest rates and loan terms can vary significantly between lenders. It's wise to compare multiple offers to ensure you find the best rate and terms for your needs. Consider using online tools to gather quotes from several lenders at once, which can save time and broaden your options.

Complete the Application:
Fill out the application form with accurate information. Double-check your entries to avoid errors that could delay the review process. Assemble the necessary documentation, including financial statements, business plans, tax returns, bank statements, and business licenses and formation documents, to submit alongside your application.

Consultation and Approval

Work with a Specialist:
After submitting your application, you'll likely be assigned a loan specialist. This expert will guide you through the final steps, such as verifying information and discussing loan terms.

Finalize Your Financing:
Once approved, you'll discuss and agree on the loan terms. Your specialist will help ensure you fully understand the repayment plan and any additional requirements. Carefully review the loan’s closing documents, which include the final terms, repayment schedule, and obligations like providing annual financial statements or signing a personal guarantee. Ensure you understand all aspects before signing.

By following this process, you're well on your way to securing the financing you need to grow your commercial real estate portfolio, equipped with the knowledge and preparation to make informed decisions.

Beyond the Basics: Added Resources and Benefits

When considering a loan, it's essential to understand what additional resources and benefits are available. Beyond the loan itself, there are several advantages and tools that can aid your business's growth and financial health.

Expert Guidance and Resources

Tap into comprehensive insights on financing options. Through specialized platforms aimed at business empowerment, gain access to strategies that enhance cash flow management and long-term planning.

Complimentary Business Credit Scores

Stay informed about your business's credit health. Access your scores for free, with reputable providers like Dun & Bradstreet offering insights that help you make informed financial decisions.

Exclusive Interest Rate Reductions

Enjoy reduced interest rates through membership programs that reward loyalty and sustained banking relationships, allowing you to save on borrowing costs over time.

These additional resources and benefits ensure that you are not just receiving a loan, but also a suite of tools to support your business journey comprehensively.

Unlock Expert Insights for Your Business

Businesses seeking to enhance their financial acumen can tap into a wealth of expert insights. These resources can guide you through various financing options and strategies to optimize your cash flow. By accessing specialized knowledge, you can make informed decisions that fuel sustainable growth.

Get Free Business Credit Scores

Understanding your business's credit standing is crucial. Fortunately, you can access your business credit scores without any cost, thanks to services provided by Dun & Bradstreet. This empowers you to stay on top of your financial health and make strategic moves with confidence.

With these tools and insights at your disposal, navigating the financial landscape becomes a far more manageable task. By leveraging these resources, your business can thrive and adapt in an ever-evolving market.

Our Vision: Fueling Tomorrow's Success Stories

We envision a world where innovative businesses have access to the capital they need to reshape industries and communities. Our mission is to be the catalyst that turns bold ideas into landmark achievements.

• Our Values: The Pillars of Our Success
• Integrity: Honesty and transparency in every interaction
• Customer Focus: Your success is our success
• Innovation: Constantly evolving to meet your needs
• Excellence: Uncompromising quality in all we do

Why Choose Global Capital Funding?

• Rapid Approval Process: Time is money, and we respect both
• Flexible Terms: Customized to fit your business model
• Industry Expertise: Insights that go beyond the numbers

What Are the Qualifications Needed to Apply for a Commercial Real Estate Loan?

When you're considering applying for a commercial real estate loan, it's important to be aware of the typical qualifications required. Here’s a breakdown of what lenders generally expect:

Length of Business Ownership

Your business should have been operational under your current ownership for at least two years. This demonstrates stability and a track record of management experience.

Revenue Requirements

A minimum annual revenue of $250,000 is typically expected. This assures lenders that your business generates sufficient income to repay the loan.

Personal Guarantees

Many lenders may require you to provide a personal guarantee. This means that if your business cannot repay the loan, you will be personally responsible for the debt. Understanding this risk is crucial before committing to a loan agreement.

Assumable Loans

Not all commercial loans are assumable, but some, like SBA 504 loans, allow you to transfer the loan to a new owner if you decide to sell your business. Knowing whether a loan is assumable can be important for long-term planning.

Loan Sales and Changes

Be prepared for the possibility that your loan could be sold to another company. If this happens, you’ll receive notification about any changes, such as where to send your payments. This is a common practice in the lending industry.

Refinancing Options

If your current loan terms are not favorable, or if market conditions improve, refinancing might be an option to consider. Refinancing can help secure a better interest rate or adjust the loan terms to better fit your business’s needs.

These criteria and considerations ensure you're prepared for the financial responsibilities of a commercial real estate investment. Meeting these qualifications and understanding the potential intricacies of commercial loans can significantly enhance your chances of moving forward in the loan process.

1. Is refinancing an option for my commercial loan?

Refinancing is an option if you find that your current loan terms are not favorable or if you qualify for better interest rates, allowing you to adjust your loan conditions to better suit your business needs.

2. Can my loan be sold to another lender?

Yes, lenders can sell your loan to other companies. This means your loan servicer might change, and you will be notified if there are any changes in payment details.

3. Can the loan be assumed by a new owner if I sell my business?

Some commercial loans, such as certain SBA loans, may be assumable. This allows the new owner to take over the loan if you sell your business, though not all loans have this feature.

4. Do I need to provide a personal guarantee?

Yes, many commercial loans require a personal guarantee. This means you may need to promise to repay the loan personally if your business cannot meet its obligations.

What is a Commercial Loan?

A commercial loan is a financing solution tailored specifically for business needs. Unlike personal loans, these loans are designed for corporate purposes and are typically sourced from banks, credit unions, or online private lenders.

Key Features of Commercial Loans:

Purpose: They provide businesses with the necessary capital to cover expenses such as purchasing equipment, expanding operations, or securing real estate.

Repayment Structure: Borrowers agree to repay the loan over a predetermined period, which can vary depending on the lender's terms and the loan size.

Interest Rates: These loans usually come with competitive interest rates, which can be fixed or variable, based on the market conditions and the creditworthiness of the borrower.

Why Consider a Commercial Loan?

Commercial loans offer a vital financial resource for businesses aiming to grow or manage cash flow efficiently. They bridge the gap between current resources and future profits, ensuring that businesses can meet their immediate obligations while planning for long-term success.

Whether a company is launching a new product or securing office space, commercial loans provide the flexibility and funding needed to thrive in a competitive market.

Key Benefits of a Commercial Real Estate Loan:

Acquire New Property: Secure the location that aligns with your business's vision and operational needs.

Exploring Alternatives to Commercial Loans

When a traditional commercial loan isn't the best fit for your business, it's essential to know your other financing options. Here are some alternatives worth considering:

1. Small Business Grants
Small business grants provide an excellent way to fund your project without the obligation of repayment. These are typically offered to businesses targeting specific industries or initiatives, such as sustainability or community-driven projects. Keep in mind the competition for these grants can be intense.

2. Microloans
For businesses just starting out or those lacking substantial credit history, microloans present a viable solution. Typically capped at $50,000, these loans are perfect for businesses needing smaller amounts of funding that traditional banks might not offer.

3. Business Lines of Credit
A business line of credit offers flexibility, allowing access to funds as needed up to a predetermined limit. Interest is charged only on the amount used, which can be advantageous for managing variable expenses. However, be cautious of potentially fluctuating interest rates.

4. Business Credit Cards
Offering convenience and the possibility of earning rewards, business credit cards can be useful for managing day-to-day expenses. They can also help build your business's credit profile. To avoid high interest rates, it's crucial to pay off the balance each month.

5. Crowdfunding
Crowdfunding leverages online platforms to reach a wide array of potential investors. This option not only provides funding but also serves as a marketing tool to generate interest in your business. Note that securing enough contributions can require offering incentives and isn't guaranteed.

Each of these alternatives has its pros and cons, so it's important to evaluate them carefully to determine which best aligns with your business goals and financial situation.

Refinance for Better Terms: Adjust your financial obligations to enhance liquidity and reduce stress on your cash flow.

Fuel Growth Opportunities: With optimized property financing, redirect resources to innovation and expansion.
Harness the power of strategic financing and take a confident step into the future of your business. Let's explore how a commercial real estate loan can be the catalyst for your success.

Where Can Businesses Find Commercial Loans?

Finding the right commercial loan is crucial for businesses looking to grow or manage cash flow. Let's explore some popular avenues where businesses can secure these loans.

Traditional Banks
Traditional banks are often the go-to for businesses with a solid financial background and established track record. They typically offer competitive interest rates but require thorough documentation and have stringent approval criteria. The process can be lengthy, so patience is key if you choose this route.

Online Lenders
Global Capital Funding online lenders provide a more flexible and efficient option for businesses needing quick access to funds. These platforms are known for their streamlined application processes and faster approval times. However, it's important to note that these loans might come with higher interest rates compared to traditional banking options.

SBA Loans
For those who may not fit the bill for conventional loans, Small Business Administration (SBA)-backed loans offer a viable alternative. These loans, like the SBA 7(a) or SBA 504, reduce lender risk and open doors for businesses with non-traditional qualifications. Be prepared for a detailed application and a longer wait for approval.

Lending Marketplaces
Lending marketplaces can simplify the search by allowing businesses to compare multiple loan offers with a single application. This method broadens the scope of lenders, though it might limit options to affiliated partners and possibly affect the loan amount you can secure.

By considering these options, businesses can choose the best fit based on their financial situation, urgency, and the loan terms they’re comfortable with.

Contact Us Today

Global Capital Funding: Where your success story begins.

1. How can a commercial real estate loan impact a business's financial strategy?

By refinancing, a business can free up capital, which can then be redirected towards growth initiatives or operational improvements, strengthening the overall financial health of the company.

2. What are the benefits of using a commercial real estate loan?

One of the primary benefits is the ability to refinance existing loans, which can lead to enhanced cash flow, offering a financial boost to your business.

3. What can a commercial real estate loan be used for?

A commercial real estate loan can be utilized to acquire the necessary property for your business operations or to restructure existing loans for better financial management.

Choosing the Right Commercial Loan for Your Business

Deciding on the perfect commercial loan for your business can be a daunting task. To simplify the process, it's crucial to compare different lenders and evaluate several key factors.

1. Understand Loan Terms
Commercial loans can come with either short-term or long-term commitments. Short-term loans generally offer lower interest costs but require higher monthly payments. In contrast, long-term loans ease monthly burdens but may increase the total interest paid over time. Analyze what aligns with your business's cash flow and long-term financial plans.

2. Evaluate Interest Rates
Interest rates can be fixed or variable, influencing the cost of borrowing. Fixed rates provide stability, ensuring the rate remains unchanged during the loan period. Variable rates, however, can change with market conditions, potentially increasing or decreasing your payments. Consider your business's risk tolerance and the current economic environment when choosing between these two.

3. Scrutinize Fees
Be aware that lenders might apply various fees beyond interest rates. These can include origination fees, appraisal fees, and penalties for early repayment. It's essential to read through the fine print or discuss with a loan officer to fully understand all potential costs involved.

4. Consider Funding Time
If your business needs quick capital injection, the time a lender takes to disburse funds can be a critical factor. Some lenders offer rapid funding, sometimes within the same day, while others might require several weeks to process your application. Factor in your business's urgency for the funds when choosing a lender.

By carefully considering these elements, businesses can make a well-informed decision that aligns with their financial strategy and operational needs. Remember, the right loan should not just meet immediate financial requirements but also support long-term business growth.

How Do Commercial Loans Differ from Business Loans?

When exploring financing options for your business, understanding the distinction between commercial loans and business loans is crucial. While they seem similar on the surface, subtle differences could impact your financial strategy.

Definitions and Usage

Both commercial and business loans are essentially funds borrowed to cover business expenses. However, the terminology might vary depending on the scale of your enterprise. Some lenders categorize "commercial" loans as those intended for larger-scale operations, whereas "business" loans might cater to smaller businesses.

Size and Scale

A key distinction lies in the scale of the borrower. Commercial loans often target companies with higher annual revenues, say between $2 million and $50 million. On the other hand, business loans are typically more accessible to smaller entities generating less revenue.

Loan Amounts and Eligibility

Expect commercial loans to offer substantial loan amounts compared to business loans. But this comes with stringent eligibility criteria. For commercial loans, lenders may require higher revenue thresholds and a longer operational history.

Choosing the Right Loan

When deciding, consider both the financial scope of your business and your future aspirations. A commercial loan could be a strategic choice for growing enterprises, while business loans might be ideal for startups or smaller businesses aiming for growth.

Ultimately, understanding these differences ensures you select the financial product that aligns best with your business needs.