CLX RateWatch Concierge (Beta)
Free rate monitoring so you know exactly when to refinance as rates come down.
You have a business to run or properties to manage.
We watch your commercial loan and the rate market.
You get a tap on the shoulder when it is worth talking about a refinance.
We track your loan and the market for you
We let you know when there is a real opportunity
You decide if and when to move, with our team in your corner
Beta launch: Limited to the First 50 Borrowers who subscribe to our service so we can deliver true concierge level service before we scale this.
Why Now
Rates have started to move down from recent highs.
Lenders are slowly sharpening terms and new programs are popping up.
There is a window here to secure better financing. Not every deal will pencil out, but many borrowers can:
✅ Lower their current rate / monthly payment
✅ Lock in a better structure before the next cycle
✅ Fix a floating rate or improve the spread on a floating rate, reducing interest expense
You probably do not have time to monitor the rate market, which is why CLX is here to do it for you via CLX RateWatch Concierge.
We keep an eye on things and pull you in only when there is something worth your time.
Why Do This With Commercial Lending X
You are not handing your loan to a mystery web tool to be monitored. You are plugging into a team that:
Has arranged over $1 billion dollars in commercial financing
Has closed hundreds of real world deals with banks, SBA lenders, speciality lenders and private capital
Works with a very wide network of funding sources rather than just one bank, with direct lending relationships with over 500 institutions
Is led by Brad Hettich and a team who combined has decades of commercial lending and underwriting experience
Our customers highlight three things about CLX again and again:
We explain options in plain language
We help structure deals so they actually get approved
We stay with you from first call through closing
CLX RateWatch Concierge brings that same mindset to the question, “Is now the time to refinance or not?”
How CLX RateWatch Concierge Works
Step 1 - Tell us about your loan
You give us a few basics on your current loan(s), property or business. No uploads. No credit checks. Just sharing some basic information.
Step 2 - We build your RateWatch profile
We line up your loan against:
Current and emerging market rate trends
What our lender network is actually closing today
Likely programs for your size loan, collateral and goals
Step 3 - We tap you when it makes sense
When conditions look good for you, we:
Flag the opportunity in simple terms
Outline options and tradeoffs
Offer to move you into our full CLX process if you want to explore formal lender term sheets
If the math does not work, we will tell you that too. Sometimes the best answer is “stay put for now.”
Because this is a beta for the first 50 borrowers, you can expect a very high touch experience and direct access to the team while we refine how we deliver this.
What We Need To Start Watching Your Rate
Required:
Full Name
Email Address
Best Phone Number
Current Loan Balance (Approximate)
Collateral Type
Current Collateral Value (A good estimate is fine)
Current Interest Rate (A good estimate is fine)
Target Interest Rate (Only if you have one in mind)
Existing Loan Maturity Date
Optional (but VERY helpful):
If you are willing to share a little more, we can be much sharper about when we reach out and what we bring you.
Property City & State
Loan Type or Structure
Rate Type
Original Term & Remaining Term
Amortization
Prepayment Penalty Details
Current Lender Type
Estimated Cash Flow
Occupancy or Use
What You Would Like To Improve
FAQ
What exactly is CLX RateWatch Concierge? – It is a free service where we track your commercial loan and the lending market for you. When we see a realistic chance to improve your rate, terms or structure, we reach out and show you options.
Why are you doing this now? – Rates have started to come down from recent highs and lenders are adjusting. There will be windows where a refinance makes sense and windows where it does not. Our goal is to position our borrowers to act quickly when those windows open instead of scrambling later.
What does “beta for the first 50 borrowers” mean? – We are rolling this out with a small group first so we can keep it very high touch and refine the service before we scale it. Once we hit 50 loans in the program, we may close the form for a while or create a waitlist.
Does this cost me anything? – No. There is no fee to join RateWatch Concierge and no obligation to refinance. CLX typically earns a fee only if we actually help you secure a loan that you choose to close.
Will this hurt my credit score? - No. Joining RateWatch does not trigger a credit pull. If you decide to move forward on a specific refinance, we will walk you through any credit checks at that time.
What types of loans can you monitor? - Most commercial real estate loans, SBA loans, business acquisition loans, owner occupied deals, working capital, and many conventional bank loans. If you are not sure, send it in and we will tell you if it fits.
What loan sizes do you work with? - We commonly work on deals from the mid six figures into the multi million dollar range. If you are outside that range, we are still happy to take a look.
How do you decide when it is a good time to refinance? - We look at more than today’s headline rate. We factor in your current rate, the remaining term, any prepayment penalty, current programs in the market and your goals. If the savings are not meaningful, we will say so.
How often will you contact me? Are you going to spam me? - No spam. You get a confirmation when you join, and then messages only when we see a real opportunity or need updated information. You can opt out any time.
Do I have to refinance with CLX if you contact me? - No. You are always in control. You can ask questions, move ahead or say “not now.”
How is my information protected? - We treat your information as confidential and use it only to understand your current loan and possible refinance options. We do not sell your data.