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>Small Business Loan Trade-offs - Choosing The Best Rate
Posted by nick_niesen on October 29th Corey Perry Jersey Womens , 2010


Most small business borrowers are understandably confused by all of the different interest rates for commercial loans. How does a small business borrower decide what is the "best" rate? Is it the lowest rate or is it more complicated than that?


Commercial loan rates are indeed a source of confusion for most business owners. There are MANY variables in determining these rates, including the type of business, loan-to-value, length of loan, credit scores Alexander Radulov Jersey Authentic , how long rates will be fixed, stated income or tax returns used to qualify, assumable loan or not assumable, and whether recall or balloon features are includedexcluded.


If a small business borrower wants the lowest rate, this will usually be found in a short-term commercial loan that has recallballoon terms and other generally undesirable features. Although this type of loan might have the lowest rate Ben Bishop Jersey Authentic , it will not necessarily have the "best" rate. The lowest-rate loan typically involves the worst terms, not the best terms, even though the interest rate might look appealing. Here is a suggested definition of what constitutes the best rate for a business loan: the "best" rate is one which is associated with business loan terms that are not detrimental to the long-term financial health of the commercial borrower's business.


The concept of "trade-offs" will help small business borrowers when they are confronted by the "lowest" rate versus "best" rate decision. There are two primary definitions of "trade-off" that are relevant to the points made below:


(1) Giving up one thing in return for another.
(2) Balancing of factors that cannot be maximized at the same time.


It is easy to see the concept of "trade-offs" in commercial real estate loan decisions every single day. The most common application is when a lower interest rate is given up in return for more favorable terms such as a longer business loan (25-30 years instead of 3-5 years). Because these trade-offs are by no means obvious to the typical small business borrower, perhaps the most important function that a business loan advisor performs for their clients is a thorough analysis and explanation of the various trade-offs involved in each commercial real estate loan that they provide.


It is critical that this analysis involve more than just the underlying interest rate for each commercial loan program. In fact, one of the most important lessons to be learned from a thorough analysis of "trade-offs" is that the lowest rate is ALMOST NEVER associated with the best deal for the commercial mortgage borrower. As you might imagine Stephen Johns Jersey Authentic , this is extremely hard for most commercial borrowers to understand and accept. Most commercial lenders take the easy way out and sell the lowest-rate loan to their commercial borrowers because it is an easier transaction, but this approach rarely results in the commercial borrower getting the business loan that they SHOULD have. An experienced business loan advisor will take the more difficult path which involves a more hands-on approach with small business borrowers to ensure that they understand all of the "trade-offs" associated with their business loan choices.


Most borrowers think that they NEED the lowest possible interest rate without realizing what they are truly giving up in order to get that rate. As stated above, the loan terms given up in exchange for the lowest rate are usually much more valuable to the commercial borrower than the lowest rate. However, as critical as this particular issue is for the commercial mortgage loan process, it is only one of several key commercial financing problems discussed at (which identifies 12 commercial real estate loan problems to avoid).


Copyright 2005-2006 AEX Commercial Financing Group Esa Lindell Jersey Authentic , LLC. All Rights Reserved.

Global Nutraceuticals Market 2019- Industry Share, Trends, Insights and Development

by Tarun · June 10, 2019


Researchmoz added Most up-to-date research on 鈥淕lobal Nutraceuticals Market Insights, Forecast to 2025鈥?to its huge collection of research reports.


The Nutraceuticals market report [6 Year Forecast 2019-2025] focuses on Major Leading Industry Players Joe Pavelski Jersey Authentic , providing info like company profiles, product type, application and regions, production capacity, ex-factory price Blake Comeau Jersey Authentic , gross margin, revenue, market share and speak to info. Upstream raw materials and instrumentation and downstream demand analysis is additionally administrated. The Nutraceuticals market business development trends and selling channels square measure analyzed. From a global perspective, It also represents overall Nutraceuticals industry size by analyzing qualitative insights and historical data.


Get Free Research Summary of The Report: ;repid=1875089


This report studies the global market size of Nutraceuticals in key regions like North America, Europe Mattias Janmark Jersey Authentic , Asia Pacific, Central & South America and Middle East & Africa, focuses on the consumption of Nutraceuticals in these regions.


This report also studies the global market status, competition landscape, market share Radek Faksa Jersey Authentic , growth rate, future trends, market drivers, opportunities and challenges, sales channels John Klingberg Jersey Authentic , distributors and Porter’s Five Forces Analysis.


A Nutraceutical is a pharmaceutical-grade and standardized nutrient. Nutraceutical product is a food or fortified food product that not only supplements the diet but also assists in treating or preventing disease (apart from anemia), so provides medical benefits. Nutraceuticals are not tested and regulated to the extent of pharmaceutical drugs.


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