H o w t o U s e S m a l l C o m m e r c i a l L o a n s t o G r o w Yo u r B u s i n e s s
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1 H o w t o U s e S m a l l C o m m e r c i a l L o a n s t o G r o w Yo u r B u s i n e s s U s e s m a l l - b a l a n c e c o m m e r c i a l l o a n s i n y o u r m a r k e t i n g s t r a t e g y a n d c l o s e m o r e d e a l s! SILVERHILLFUNDING.COM COMMERCIALDIRECT.COM GMHMORTGAGE.COM
2 Your Presenter Ski Swiatkowski Vice President, Business Development
3 Difficulties with Traditional Financing Show you new opportunity to increase your income Teach you how to leverage your marketing to maximize results Help you tap into an underserved segment of the market Provide a way to differentiate yourself from the competition Create reciprocity with your referral partners Set you up for a flow of future transactions (including residential)
4 The Current Marketplace Real estate inventory is low Boomers not moving Home prices continue to rise Wage growth slowing Rates are on the way up 5.0% before end of year Everyone is selling the same programs Affordability is declining Competition is fierce
5 How to Deal with Current Marketplace Conditions Stop listening to and believing in the doom & gloom Start thinking differently Improve your marketing and sales skills Develop a plan leverage existing market opportunities
6 The Small-Balance Commercial Lending Opportunity
7 Why Small Commercial Lending? Opportunity to generate added income Less competition competitors are ignoring this area Less interest rate-driven Repeat business constant need for financing Great way to approach new referral partners Potential for residential transactions
8 Why Small Commercial Lending? Opportunity to differentiate yourself You re currently seeing these types of borrowers You have commercial prospects in your database Your referral partners can identify prospects for you New target audience to expand your database
9 Sources of Small Commercial Leads Referral Partners Existing Clients Banks/Credit Unions Conference/Tradeshow Partnerships Social Media Platforms Real Estate Investment Groups
10 Referral Partner Presentation: Realtors, Title Companies, CPAs, Attorneys, Financial Advisors
11 Commercial Mortgage Solutions for Today s Marketplace
12 Commercial Mortgage Solutions Presented by (company name) (loan officer name) (loan officer phone #) (loan officer )
13 Properties That Need Financing in Your Market 5+ Unit Multifamily Office
14 Properties That Need Financing in Your Market Retail Restaurants & Bars
15 Properties That Need Financing in Your Market Mixed-Use Self-Storage
16 Need for Commercial Mortgages 14.3 Million Small Business Properties in the US 2.2 Million Real Estate Investors in the US
17 Our Commercial Mortgage Program
18 Our Commercial Mortgage Program Who are these solutions for? Good Credit Borrowers Who: Are Business Owners, Professionals or RE Investors Can t Get Financing From Bank or SBA Lender Find Bank and SBA Financing Unacceptable Over 50% of Applicants Can t or Won t Get Bank Financing
19 Broad Range of Eligible Property Types Multifamily (5+ units) Mixed-Use Office Retail Warehouse Automotive (no gas stations) Light Industrial Self-Storage Mobile Home Parks Daycare Centers Bars/ Restaurants Real estate-secured financing only
20 Our Commercial Mortgage Program Loan Amounts- $250,000 to $2,000,000 (exceptions to $5MM) Minimum Credit Score- 660 Maximum LTV- 80% 5/1 and 7/1 Hybrid ARMs 30 Year Amortization Available Alternative Underwriting - No Tax Return Options
21 Unacceptable Transactions Vacant Land or Agricultural Properties (farms / ranches)
22 Unacceptable Transactions Run-Down Building. No Rehab
23 Unacceptable Transactions Construction Projects
24 Unacceptable Transactions Environmentally Sensitive Properties Gas Stations Dry Cleaning Processing Sites Funeral Homes Chemical Storage
25 Unacceptable Transactions Special Use Properties Churches (other non-profit entities) Golf Courses Marinas Ice Skating Rinks Bowling Alleys Adult Entertainment
26 Commercial Mortgage Solutions for Today s Marketplace Which of Your Clients Have a Commercial Mortgage Need Right Now?
27 Commercial Mortgage Solutions for Today s Marketplace Let us help satisfy your clients commercial mortgage needs (name of your company) (your name) (your phone number) (your address)
28 Referral Partners Great Source of Commercial Leads: Action Steps Reach out to existing referral partners Schedule appointments to review the presentation Identify new prospective referral partners Send /call tell them you have an idea to share Schedule coffee meeting to review the presentation Ask about residential referrals, too Follow up Send them a commercial flyer
29 Use Our Non-Branded Customizable Flyer
30 Using LinkedIn to Find Referral Sources
31 Finding Referral Partners on LinkedIn
32 Finding Referral Partners on LinkedIn
33 Finding Referral Partners on LinkedIn
34 Finding Referral Partners on LinkedIn
35 Finding Referral Partners on LinkedIn
36 Finding Referral Partners on LinkedIn
37 Banks & Credit Unions
38 Banks & Credit Unions 1. Best rates for clients and prospects they want 2. Tougher lending standards Turn down over 50% 3. Can t afford to lose a client or prospect to a competitor 4. Their turndowns are pre-screened for you
39 Banks & Credit Unions: Action Steps Connect at networking events Questions about commercial business Schedule coffee meeting Discuss how to work together Review presentation Stress the point: You are not a deposit-based lender Offer to refer them bankable prospects Ask for leads Tell me about a good client applicant you rejected.
40 Steps to Take When You Find a Commercial Lead 1. Visit 2. Enter: Your name, your company and contact info Name and contact info of the prospect 3. The Silver Hill/Commercial Direct team will handle everything else All you have to do is collect the commission!
41
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43 Closed Referral Loans Restaurant in Pewaukee, WI Loan Amount - $720,000 LO Comp - $2,880 Automotive in Portsmouth, VA Loan Amount - $900,000 LO Comp - $3,600
44 Closed Referral Loans Retail Building in Phoenix, AZ Loan Amount - $495,000 LO Comp - $1,980 Multifamily in Hamilton, NJ Loan Amount - $1,950,000 LO Comp - $7,800
45 Your Account Manager Millie Corripio Phone: (844) Submit your referral online at: Silver Hill Funding, LLC. NMLS ID Copyright 2018 Silver Hill Funding, LLC. Silver Hill Funding, LLC programs are offered to qualified commercial lending institutions and are not applicable to the general public and/or individual consumers. This information is for lending institutions only, and not intended for use by individual consumers or borrowers. Programs may be cancelled or modified at any time without any prior notice. Programs may not be available in all jurisdictions. Licensing information may be found at Equal Housing Lender
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