Why Borrowers Select People's Choice Commercial Lending  

1. Quick funding for time sensitive commercial loans.

2. Loss of commercial bank loans, for any reason, including credit denials and excessive loans.

3. Borrower’s election to avoid the loan hassle of processing a bank or institutional loan.

4. People's Choice ability to make larger commercial loans with more flexible terms than most commercial banks.

5. Short term commercial bridge loans.

6. Property purchased with a percentage of down payment in the form of subordinated seller financing.

7. Construction loans for infrastructure and vertical construction.

8. Borrower has an opportunity to make an investment in a commercial property using the equity in the real estate he/ she owns. Peoples Choice can cross collateralize both properties.

9. Borrower has circumstances making it difficult to obtain an commercial loan including, but not limited to:

• Complex financing structures ( LLCs, partnerships, trusts, and corporations)

• Credit Problems ( minor to moderate)

• Tax Liens ( Federal and state taxes, estate taxes, etc.

• Foreclosure or receivership

• Bankruptcy ( old or current)

• Liens ( Judgments, HOA, and property tax, etc.)

• Property held in probate, trusts, etc.)

• Divorce, medical emergency, or unemployed

10. Commercial Property has characteristic making it difficult to obtain and commercial loan including, but not limited to:

• Partially or nearly completed construction of the building

• Property improvements or rehabilitation

• Loan is needed to increase the occupancy rate of the property

        11. Notes ( loan secured by assignments of notes and trust deeds)

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