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Purchase Commercial
Real Estate

Tired of being restricted by your lease agreement? Are tenant improvement battles sapping your patience? Maybe you’re sick of regular rent hikes. Fire your landlord and make the switch to real estate ownership.

When you’re fed up with renting space for your business, become a property owner. Real estate loans are a diverse and useful tool you can utilize to make ownership affordable. Commercial real estate loans are for growing businesses looking to expand to new territories or just expand their space. SBA loans help small businesses find a headquarters, open a storefront, and relocate.

Investment properties can be highly profitable, but they only bring you profits after you buy them. Getting a loan now means you can start earning faster from your hotel, retail center, apartment building, or office park. Real estate loans work for fix and flip investments too. In a competitive market, the cash offer is king. We make sure you come out on top with our vast lender network.

Acquire Properties

Expand your property holdings

Commercial Real Estate Loans

A commercial loan works a bit like a home mortgage but with important distinctions. Commercial loans are taken out by a business or corporation. They mature faster than residential loans and may have an amortization period longer than the lifetime of the loan. Commercial loan to value ratios are typically between 65% and 80%, rather than the 100% extended to home buyers.

When considering a commercial loan, lenders look at personal and business credit records, tax returns, earnings statements, and a basic business plan. They consider your Debt Service Coverage Ratio, or DSCR, which is the business’s net operating income divided by its annual debt payments.

If you plan to use all or part of the building’s available space for your own business, you may qualify for an owner-occupied loan. These loans typically have lower rates than standard commercial property loans. Rent out the remaining space to other businesses for additional income.

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Manage cost of money

SBA 7(a) & 504

The Small Business Administration’s 7(a) and 504 are two popular choices for businesses with less than $15M in net worth. Both types of loans can be used to finance real estate, equipment, or construction. They’re supplied by private lenders that work with the SBA and follow its guidelines for interest rates and qualifications. The SBA does not accept applications directly. The major difference between the two loan types is flexibility. The SBA 7(a) loan allows for the funds to be used for working capital. The SBA 504 loan does not.

We have built relationships with expert lenders who have experience financing with the SBA. We’ll help you decide which loan is right for your business, find out if you qualify, and walk you through the application process. SBA loans are ideally suited to minority-owned businesses, women-owned businesses, and businesses that have been turned down for financing before.

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Small Business Funding

Upgrade and Sell Property

Upgrade properties, then sell

Fix & Flip

Fix and flip investors make money by buying property, renovating it, and reselling it for a higher price. If your business is flipping houses, it doesn’t make sense to take out a long-term loan on each property. You need financing that’s as fast and flexible as you are. That’s why we partner with bridge and hard money lenders who can get you the cash you need quickly. Since the loans mature in a matter of a few months or a few years, you won’t be locked into long-term payments.

Making a cash offer on a new property also makes your business more attractive to sellers. They know your payment will be prompt and reliable. Other buyers may have to wait on contingencies that slow down their payment. If financing doesn’t come through, the seller will have to find another buyer. When you make a cash offer, you get the edge over the competition.

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Increase Cash Flow

Investment Properties

Investment properties generate ongoing income by renting out space to tenants or guests. Examples include hotels, resorts, office buildings, retail plazas, and housing subdivisions. While owning an investment property can be a great way of earning money, buying one is much more expensive than a residential home. Even when it’s affordable for a business to pay for the property upfront, there are reasons it might not be the best plan.

Financing helps spread out the cost of real estate. There can be tax advantages to borrowing. You also lose money in opportunity costs if you don’t finance. That’s why smart investors often choose to borrow even when they have the cash without taking out a loan. Regardless of the size of the property you want to invest in, we can find a financial solution to cover it. Use our vast lender network to find the perfect fit for your next investment.

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Buy and Hold

Upgrade and Sell Property

Save Money, Manage Cost

Refinance

In business, as in life, carrying debt is a delicate balance. There are standard percentages you’ll want to remain within to work efficiently. When sales slow, debt can become to great in relation to cash and other assets. If this trend continues, you may become over leveraged. When that occurs, one solution is to refinance.

Refinancing can reduce your monthly payment, reduce your interest rate, or both. It can also allow you to consolidate multiple lines of credit, so you have fewer payment deadlines to meet.

Talk with one of our expert loan brokers about your situation. We can help you identify the risks and opportunities presented by debt consolidation and refinancing.

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To Qualify

With fast cash financing, you don’t need to wait around to get the money you need to keep your business running. The sooner you plan, the more prepared you’ll be to handle whatever comes your way.

Step 1:

Check your personal and business credit scores. It’s important to be aware of what lenders will see when they check your credit. You can typically get this information for free from one of the credit bureaus or your bank.

Step 2:

We will help you organize your business financial  statements. If you don’t already have them all in one place, make sure you gather your business’s statements, balance sheets, tax records, and proof of time in business.

Step 3:

Contact our professional financing team. We’re here to listen, answer questions, help you choose options, and guide you through the financing process every step of the way from inquiry to successful financing.

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Alternatives:

If real estate investing isn’t what you’re looking for, try:

Construction Loans:

Sometimes markets are just too high to make buying property realistic. That’s when it’s time to consider building it yourself with a tailored construction loan designed to meet your business needs. Construction loans pay based on predetermined milestones that help you keep the project on track.

Bridge Loans:

Have you already applied for long-term financing? Do you need the cash today to cover the interim? With a bridge loan, we have you covered. Get the money you need right away and replace the loan with long-term financing when it comes through. Use it for real estate, equipment, and other investments.

Phone

301-792-8809

Address

911 E 1st Ave, Unit 137, Broomfield, Colorado 80020, United States

Email

service@azanicapital.com