In the fast-paced world of commercial finance, staying ahead of the competition requires more than just basic knowledge of lending. Whether you are a commercial loan officer, finance broker, business owner, or aspiring finance professional, understanding the full spectrum of loan products is crucial for success. This is especially true as the financial landscape becomes more complex and diverse with new regulations, loan products, and market dynamics.
That’s why we’ve created our Commercial Loans Training Group—a community dedicated to providing top-tier training, networking opportunities, and resources for anyone looking to sharpen their skills in commercial lending. Our group covers a wide array of loan types, from Equipment Finance and Asset-Based Lending to specialized options like SBA Loans and USDA Loans.
In an industry that constantly evolves, continuing education is no longer an option but a necessity. Commercial finance is filled with opportunities, but it also has its challenges. Borrowers are more discerning than ever, seeking lenders and brokers who can provide them with a clear understanding of the best financial solutions for their needs.
Simply offering a traditional loan product may not be enough to close a deal. Today, commercial finance professionals must be well-versed in a variety of financing options, such as short-term bridge loans, asset-based lending, and government-backed loans like those from the SBA (Small Business Administration) or USDA (U.S. Department of Agriculture). Additionally, understanding the nuances of each product—such as when to offer a DSCR (Debt Service Coverage Ratio) loan or how to structure equipment finance—can set you apart as an expert in the field.
Our group offers training across all these loan types, helping you stay ahead in the competitive financial marketplace.
Our training group covers several key loan products that are essential to any commercial finance professional’s toolkit. Below is a breakdown of each type of financing we focus on, and why they are crucial for your career.
Businesses of all sizes require equipment to operate—whether it’s machinery, office supplies, or vehicles. Equipment finance provides businesses with the capital they need to purchase or lease the essential equipment without putting a strain on their cash flow.
Learning about equipment finance involves understanding the structure of leases versus loans, depreciation schedules, and tax benefits. This training will give you insight into how to craft deals that benefit both the borrower and the lender, ensuring businesses can maintain liquidity while securing vital assets.
Key Topics in Equipment Finance Training:
Asset-based lending (ABL) is a type of financing where a company uses its assets, such as inventory, accounts receivable, or other collateral, to secure a loan. This option is often used by businesses that have substantial assets but may not meet the cash flow or credit requirements for traditional loans.
ABL is especially beneficial in industries like manufacturing and wholesale, where businesses hold large amounts of physical inventory or have significant accounts receivable. By understanding the ins and outs of ABL, you can offer tailored financing solutions that allow companies to leverage their existing assets for liquidity.
Key Topics in Asset-Based Lending Training:
Bridge loans are short-term loans that provide immediate cash flow to businesses or real estate investors until long-term financing can be secured. They’re often used in real estate transactions, development projects, or during mergers and acquisitions. These loans “bridge the gap” between a current financial need and a future capital event, such as the sale of a property or securing a permanent loan.
Understanding bridge loans is critical for anyone involved in real estate or commercial finance. By offering bridge loans, you can provide businesses with the flexibility they need to seize time-sensitive opportunities without waiting for traditional loan approval processes.
Key Topics in Bridge Loan Training:
Construction loans are used to finance new construction projects, from residential homes to commercial buildings. These loans are unique in that they are typically short-term and often paid out in installments, based on the completion of various stages of the project.
Our training covers how to structure construction loans, assess project viability, and manage risk. With this knowledge, you can support developers, builders, and investors in turning their visions into reality, while ensuring that their projects are financially sound from start to finish.
Key Topics in Construction Loan Training:
A permanent loan, often referred to as a take-out loan, is used to refinance a short-term construction loan once a project is completed. One key feature of permanent loans is the use of the Debt Service Coverage Ratio (DSCR) as a critical underwriting metric.
DSCR loans are designed for income-generating properties, such as rental real estate. Lenders use the DSCR to measure the property’s ability to cover its debt obligations with its income. A deep understanding of DSCR loans will allow you to help real estate investors secure long-term, stable financing for their projects.
Key Topics in Permanent/DSCR Loan Training:
The Small Business Administration (SBA) provides a range of loan programs designed to help small businesses secure the capital they need to grow and succeed. The most popular programs include the SBA 7(a) loan and the SBA 504 loan, both of which offer favorable terms for borrowers, such as lower down payments and longer repayment periods.
By becoming proficient in SBA loans, you can open up opportunities for small businesses that may not qualify for traditional financing. SBA-backed loans also mitigate risk for lenders by providing government guarantees.
Key Topics in SBA Loan Training:
USDA loans, backed by the U.S. Department of Agriculture, are designed to promote economic development in rural areas. These loans can be used for a variety of purposes, including real estate, equipment purchases, and working capital. They offer favorable terms for businesses located in eligible rural areas, helping to stimulate growth in underserved markets.
Training in USDA loans equips you with the knowledge to assist rural businesses and developers in accessing capital for growth and expansion. You’ll learn how to navigate the eligibility requirements and structure deals that meet both borrower needs and USDA guidelines.
Key Topics in USDA Loan Training:
In a field as dynamic as commercial lending, continuous learning is not just an advantage—it’s a requirement. Regulatory changes, economic shifts, and new financial products mean that staying informed is crucial for anyone looking to succeed in this industry. Joining our training group ensures you are always up-to-date on the latest developments and trends in commercial finance.
In addition to technical skills, our group also emphasizes the importance of soft skills, such as building client relationships, negotiating terms, and presenting complex financial information in a way that clients can easily understand. By honing both your hard and soft skills, you will be well-equipped to offer your clients the best possible financial solutions.
Our Commercial Loans Training Group is designed for:
By joining our group, you’ll gain access to:
If you’re ready to elevate your expertise and become a trusted advisor in commercial finance, our Commercial Loans Training Group is the perfect place to start. Join us today and take the first step toward mastering the art and science of commercial lending.
Together, we can unlock new opportunities, provide better financial solutions, and shape the future of commercial finance.
Click here to join the group and begin your journey toward commercial finance mastery.
Follow us at ACOM Capital
Follow us on social media
Welcome to Acom Capital, your gateway to tailored financing solutions for Investment Residential and Commercial Real Estate.
Copyright © 2024 Acom Capital. All Rights Reserved.
