Category: Commercial Lending

Ever since the Prime rate started going up December of 2015 everyone has been expecting long-term interest rates to continue to move up, which they certainly did. Although there were temporary dips lower in long term rates, in general as Prime moved up so did long-term rates. However, something happened in 2019. As worries about…

The Great Recession hit Banks hard. Not only were many Bank’s under-capitalized at the time, but the quality of their loan portfolios was poor and in some cases dismissal, leading to large losses that almost completely crashed the whole financial system, the economy and even the Country. Great strides have been made since the Great…

If you work in or around the Banking industry, it seems a day doesn’t pass when there isn’t gossip of another potential Bank merger. However, that gossip has started turning into reality the past three years, as Bank merger activity has heated up. The Chicagoland marketplace was once dominated by small community banks, and an…

Commercial loans in their basic form are a lending agreement between a business and a financial institution or private lender to finance the growth or operation of their business. These loans can be for variety of reasons and come in many different forms to serve a businesses needs. Some of these reasons would include acquiring…

Investment properties, lots of people have them, maybe you want one too? They sound like a great idea, but what do you really know about acquiring and owning an investment property? Investment properties can be a great source of additional income. You just have to know where to start. There are many options out there…

As a business owner, you may be acutely aware of how equipment can play a critical role in the operation and success of your company. Equipment can include anything from phone systems, computer monitors, printers and copiers to furniture, restaurant ovens, cookware, medical machinery, industrial equipment and more. So how does one purchase, replace, repair…

What happens when the time comes for your business to seek a loan? How does the loan underwriting process work and how do you give yourself or your business the best chance of being approved? Who is the underwriter and what role do they play in this process? What should you expect from your lender…

Although there are plenty of economic indicators out there, following what is happening in the lending markets is another good one that is often overlooked. To give our clients a better idea of what is going on in the lending markets, below is a brief summary of what we have witnessed over roughly the last…

Due to the shrinkage in capital in traditional banking markets, most Banks have lacked the capital to fund large loan growth. Although many Banks have gotten their balance sheets to the point where they are healthy again and are actively funding new transactions, many banks have limited overall capacity and are focusing their loan growth…