SHORT LIST OF SOME SCOR (ULOR) Friendly Funding Sources
1. SOCIAL LENDERS
WHAT ARE SOCIAL BUSINESSES AND SOCIAL INVESTORS?
A “SOCIAL BUSINESS” IS A BUSINESS CREATED TO help a specific social cause or issue,
such as health care for the homeless, protection of the environment, education for kids with
learning disabilities, drug abuse prevention, low-cost housing, and so on. A “social venture”,
“social venture capital firm”, or “social investor” is a firm or person which provides money for a
social business.
ALTHOUGH THERE ARE THOUSANDS OF NONPROFIT ORGANIZATIONS with goals
like those of social businesses, there is a big difference. Social businesses are run for profit, but
they funnel most of their money back into achieving their social goals. Nonprofit organizations get
their money from grants or charities.
IF YOU’VE NEVER HEARD OF SOCIAL BUSINESS before, you may be surprised to learn
that many millions of dollars are pumped into such businesses every year. Social business really is
a big business.
GET TO KNOW THE MOVERS AND SHAKERS in this field, along with the ways in which
social business works, and you may find a financially rewarding niche in this growing field. Here’s
a list of 25 social ventures and investors that make loans or investments to social businesses.
2. LARGEST DIRECT FUNDERS
WHAT ARE DIRECT LENDERS?
Most of these lenders make more than $ I-billion per year in various types of commercial and real estate loans. So what
makes them direct lenders? Many of our readers are pleasantly surprised when they learn that direct lenders
are mortgage lenders that make deals mostly over the phone (loans-by-phone). Some of them also deal
through the mail (loans-by-mail) or even on the Internet (Internet loans).
There is a second defmition of direct lenders; it refers to lending institutions that do not base their loans on
the use of brokers. Because the direct lender uses no middleman, the direct lender typically has more
control over the loans it approves. Loan applications from direct lenders are usually similar to those
provided by indirect lenders.
3. LARGEST DIRECT FUNDING 2
4. CONSTRUCTION FUNDING
5. RETAIL SHOPPING MALLS
They include property/ loan types such as Anchored Shopping Centers, Lifestyle Centers,
Regional Malls, Super Malls, Retail Outlets, Retail Strip Centers, Local Shopping Centers, Local
Retail Stores, Large “Box” Stores, and, to a lesser extent, Online Internet stores-to name a few.
Here we’ll use the phrase “shopping malls” to include all types.
WITH LOANS TYPICALLY IN THE RANGE of $1,000,000 – $500,000,000, the need for
shopping mall loans attracts joint ventures, commercial lenders, loan brokers, SBA guaranteed loans,
equity financing, and more, for Construction, Development, Purchase, Refinance, Rehab,
Acquisition, etc. This is really big business-not for the casual borrower or the faint of heart.
JUST ABOUT ANY BUSINESS THAT SELLS THINGS DIRECTLY TO CONSUMERS is a
retail business. Real estate loans for retail businesses are a type of commercial loan. For obvious
reasons, shopping centers and malls comprise the biggest deals in terms of the total amount of
funding.
SELLERS OF THESE KINDS OF PROPERTIES OFTEN NEED FINDERS who can refer them
to lenders providing bridge loans, closing costs and other money to make a deal possible. A loan
finder can work on either “side” of a deal-that is, for the buyer or the seller, but not both at the same
time.
6. SENIOR HOUSING and FACILITIES
SENIOR HOUSING FACILITIES ARE MAJOR TYPES of real estate investment and
loans. This form of real estate is not, however, confined to homes or apartments for the elderly.
Today senior housing is often referred to rightly as senior living. It includes facilities and real
estate for assisted living, “55-plus lifestyles,” adult nursing care, independent residences, short term
care and more. LARGE LOANS ARE MADE FOR ALL DIFFERENT TYPES of senior facilities.
Typical loans provide financing for construction, rehabilitation, acquisition or refinancing of senior
facilities. The most common type of loan used for senior housing is a commercial construction
loan. Home mortgages for seniors are another form of seniors lending. The demand for such
properties continues to increase each year.
7. AIRPLANES & HELICOPTERS
Aircraft loans are a special niche all their own. While traditional banks and mortgage companies are
struggling to survive, this lending niche keeps attracting aircraft buyers, lenders and investors.
Perhaps you or someone you know dreams of buying, flying or just plain brokering one or more planes,
helicopters, ultralights, hang gliders-the list of aircraft types goes on and on.
Here are more than 60 lenders of all kinds offering aircraft loans for commercial and private airplanes,
helicopters and other flying machines. This listing will help you find lenders that are making aircraft loans.
You might find the aviation loan for yourself or for a client and earn a Finders Fee or commission for
matching you client with the right lender. As always, be sure to contact several lenders before choosing a
particular loan. It’s a good to get at least three quotes. Each lender has different rates and incentives.
Many aircraft financing and loan companies allow you to apply online or over the phone. Whether you
wish to purchase or lease, now may be a good time to act while interest rates are still low.
8 . BUYING OR REHABBING APARTMENT BUILDINGS
LENDERS THAT MAKE LOANS FOR APARTMENT BUILDINGS (also called multi-family or
MFH housing) can be found in most urban and suburban areas in large numbers.
ADDITIONALLY, THE FEDERAL HOUSING ADMINISTRATION (FHA), the U.S. Department of
Agriculture (USDA), Fannie Mae and and Freddie Mac provide certain loan and assistance programs for
purchase, refinance, and rehabilitation of MFH. Apartment buildings are often big-ticket items and the
smart money broker can land huge fees for snagging good deals for buyers, owners and developers.
A MULTI-FAMILY BUILDING IS ONE THAT HAS FIVE OR MORE UNITS. The most common
purpose of most apartment building loans is to fund the purchase or refinance of a multi-family building.
Loans for rehabbing buildings are just as important.
9. MINORITIES
AFRICAN-AMERICAN. HISPANIC-AMERICAN, ASIAN AMERICAN BANKS, WOMEN OWNED BANKS
10. MINORITY OWNED BANKS NICHE LENDING: MINORITY-OWNED AND WOMEN-OWNED LENDERS
Nearly all successful money finders continually scout for new money sources to put in their
“toolboxes” for possible future use. Oftentimes a lender might have a special kind of ownership or
might specialize in funding for particular niches. Two such niches are minority-owned and
women-owned lenders in the United States and Canada.
Finding money through niche lenders can be very lucrative. Money finders can specialize in
various niches, becoming the “go-to guys” for those niches. This can make the finder an expert in
various niches over time. And the more specialized the finder’s knowledge, the more money
clients pay for specific services you can provide.
So here are more than 35 top minority-owned and women-owned banks. These banks are
sitting, doors open, and waiting for a bright money finder to connect them with possible
borrowers in their communities. Whoever makes the right connections, might win a nice big
finder’s fee.
11. MORTGAGES
The restaurant business ranges widely from small mom and pop establishments to fine dining, ethnic
foods, fast food, multi-state franchises and many more. Whether it’s a startup loan, bridge loan, expansion
loan, factoring or an equipment lease, nearly every restaurant needs financing at some point in its growth.
Restaurant funding can include commercial bank loans, SBA loans, seller financing, partnerships, venture
capital, and a combination of financing sources. People and companies that make these loans happen may
stand to gain finder fees from the restaurant owners or the company/institution providing loans.
The listing below contains top lenders to the restaurant business in the United States. For your
convenience, we give an example of how you might estimate the startup cost of a restaurant. This might
come in handy when you want to determine how big a loan a restaurant needs to get started. This is only one
of many ways to look at restaurant loans. Keep in mind that finders fees can be figured in different ways,
may come in various forms and may not always be called finder fees.
Sample estimate for a restaurant startup cost: the cost of typical restaurant items needed for a new
restaurant might be figured as follows:
Land and building site + Construction + Furniture and fixtures = Restaurant startup cost
12 .MULTI FAMILY HOUSING 1
MANY LAND AND LOT LOANS ARE USED TO buy land for eventual development and
building. Early on, however, the potential borrowers and buyers might not be ready to begin
construction. It can be easier and simpler to get a land loan to buy the land than it is to finance
development and building.
LAND AND LOT LOANS, as their names imply, are loans used to purchase, refinance, improve or
develop raw land, commercial properties, rural homes, farm land, recreational land and land lots.
Land loans and lot loans can be financed through traditional commercial loans, hard money loans,
construction loans or other methods. LAND AND LOT LOANS ARE OFTEN USED AS
PURCHASE MONEY loans for borrowers who aren’t ready to begin construction or to get a
construction loan. Typically, lenders require that the lot must be normal for the area and one or more
utilities should be available to the property.
ALSO KEEP IN MIND THAT LAND MAY CONTAIN valuable natural resources, such as
natural gas, minerals, oil, and so on.
13 . NATIONWIDE FINANCING FOR RESTAURANTS
The restaurant business ranges widely from small mom and pop establishments to fine dining, ethnic
foods, fast food, multi-state franchises and many more. Whether it’s a startup loan, bridge loan, expansion
loan, factoring or an equipment lease, nearly every restaurant needs financing at some point in its growth.
Restaurant funding can include commercial bank loans, SBA loans, seller financing, partnerships, venture
capital, and a combination of financing sources. People and companies that make these loans happen may
stand to gain finder fees from the restaurant owners or the company/institution providing loans.
The listing below contains top lenders to the restaurant business in the United States. For your
convenience, we give an example of how you might estimate the startup cost of a restaurant. This might
come in handy when you want to determine how big a loan a restaurant needs to get started. This is only one
of many ways to look at restaurant loans. Keep in mind that finders fees can be figured in different ways,
may come in various forms and may not always be called finder fees.
Sample estimate for a restaurant startup cost: the cost of typical restaurant items needed for a new
restaurant might be figured as follows:
Land and building site + Construction + Furniture and fixtures = Restaurant startup cost
14. RAW LAND AND LOT
MANY LAND AND LOT LOANS ARE USED TO buy land for eventual development and
building. Early on, however, the potential borrowers and buyers might not be ready to begin
construction. It can be easier and simpler to get a land loan to buy the land than it is to finance
development and building.
LAND AND LOT LOANS, as their names imply, are loans used to purchase, refinance, improve or
develop raw land, commercial properties, rural homes, farm land, recreational land and land lots.
Land loans and lot loans can be financed through traditional commercial loans, hard money loans,
construction loans or other methods. LAND AND LOT LOANS ARE OFTEN USED AS
PURCHASE MONEY loans for borrowers who aren’t ready to begin construction or to get a
construction loan. Typically, lenders require that the lot must be normal for the area and one or more
utilities should be available to the property.
ALSO KEEP IN MIND THAT LAND MAY CONTAIN valuable natural resources, such as
natural gas, minerals, oil, and so on.
15. RELIGIOUS GROUPS
16. SAVINGS BANKS AND S&Ls-SOURCES OF PERSONAL LOANS
THESE ARE SAVINGS BANKS AND S&Ls located throughout the United States that make
personal loans. Finders or brokers may request that the client pay a finder’s fee-typically around
1-5 percent-from an individual or business in exchange for securing a loan or at least a loan
review from a potential lender.
Note: Some lenders may require that an individual become a member of the bank before applying
for a personal loan from it. As with most lenders, the borrower will have the most success
applying to banks and S&Ls in their geographic area.
17. SBIC’s
SBICS ARE PUBLIC/PRIVATE PARTNERSHIPS between the U.S. Small Business
Administration (SBA) and private venture capital/business angel firms, The SBle program was
established by the Small Business Administration (SBA) to help small businesses and
entrepreneurs get financing.
18. SBICs 2
19. SBIC’s Venture
LOOKING FOR VENTURE CAPITAL MONEY? TRY SBICs
SBlCs (SMALL BUSINESS INVESTMENT COMPANIES) are public/private partnerships
between the U.S. Small Business Administration (SBA) and private venture capital or business “angel”
firms. The SBA calls SBICs the largest “fund of funds” for entrepreneurs and investors in the U.S. SBICs
therefore are an important potential source of financing for most small businesses.
The pages below this box list currently licensed SBICs by state. The number of SBICs is too large
to fit into one issue of MWB, so we’ll present portions of them in individual issues.
WHETHER YOUR BUSINESS OR THAT OF A CLIENT is in the early stages of development or
already thriving and seeking growth capital, you might want to see if SBIC funding is right for your
company–and if so, which SBICs might be willing to consider such an investment.
SBICS USE THEIR OWN CAPITAL AND FUNDS borrowed from the SBA to provide financing to
small businesses and real estate projects in the form of equity securities and long-term loans.
An SBIC may be a member of the SBA SBIC program described here and/or a member of NASBIC, the
National Association of Small Business Investment Companies (NASBIC). An additional type of
SBIC is the SSBIC (Specialized Small Business Investment Company). SSBICs are SBICs that specifically
make loans to businesses run by socially or economically disadvantaged people. SSBICs were formerly
known as MESBICs (Minority Small Business Investment Companies). Like regular SBICs, SSBICs are
licensed by the SBA. SSBICs are a type of SBIC, so they are often referred to simply as SBICs.
SBICs are licensed and funded through SBA and funded through private sources to provide
money to small businesses. Typical private money sources include venture capital firms and
business “angel” investors. An angel is a wealthy investor who offers financing to private
companies in the angel’s area of experience and knowledge.
20. Small Multi Family
21. Super Fast Multi Family
This list gives you lenders approved by the Department of Housing and Urban Development
(HUD) to make multifamily mortgage loans quickly and with less red tape than using other
lenders. A star (*) next to the name indicates that the lender can also make loans for Nursing
Homes and Assisted Living Facilities.
22. UNDERWRITERS UPDATE
SELECTED STOCK BROKERAGES WORKING WITH REITs AND
IPO’s WHAT DO THESE FIRl\IS DO?
The firms listed below are full-service stock brokerages which deal in REITs, IPOs and related
transactions. More information on each firm is available by telephone or by visiting their Web
sites. This information is provided below.
An individual may invest in a publicly traded stock offering, listed on a major stock exchange,
by purchasing shares through a stockbroker. As with other publicly traded securities, investors
may purchase common stock, preferred stock or debt securities.
An investor can enlist the services of a broker, investment advisor or financial planner to help
analyze his or her financial objectives. These professionals are able to recommend
appropriate investments for the investor.
23. UNSECURED LINES OF CREDIT
USED CAREFULLY, AN UNSECURED LOC can help a business grow, provide much-needed working money, and help a company through tough times.
AN LOC IS NOT AN INVESTMENT OR A SALE OF A BUSINESS or stock of any kind. Federal laws about investing in stocks do not apply to LOC’s. *
AN UNSECURED LOC IS CALLED UNSECURED because it is not backed by collateral .
Whether or not an unsecured line of credit can be gotten may depend partly on the credit history
of the business and its owners. If you look around, you can even fmd firms that offer unsecured
LOC’s for businesses and people with bad credit.
24. VENTURE CAPITAL & ANGELS
25. BUY and REHAB APARTMENT BUILDINGS
The lenders listed below make loans for the purchase and rehabilitation of multi-unit (apartment) buildings.
26. COMMERCIAL FUNDINGS FOR BUSINESS RE
Commercial loan: a short-term renewable loan, typically 90 days, used by a company to finance
immediate or seasonal working capital needs. Commercial loans are sometimes referred to as business
loans or bank loans. This document covers commercial lenders of various types. Note: Lenders are
listed by the types of loans they make; therefore, they may appear under multiple categories.
Forty kinds of commercial loans: There are at least 40 kinds of commercial loans. They include:
Commercial Real Estate Mortgage Loans
Conforming loans meet certain borrowing guidelines on amount, terms and other loan specifics,
established by Fannie Mae and Freddie Mac. Jumbo loans allow the borrower to borrow more than the
maximum loan amount established by Fannie Mae and Freddie Mac.
No-documentation, or no-doc, loans require less information from the borrower than other kinds of
mortgage loans. No-doc loans can help a borrower get financing when income, assets or other
information are hard to verify.
FHA loans generally have lower down payment requirements and are easier to qualify for than other
conventional loans. FHA loans cannot exceed certain limits.
VA loans are guaranteed loans that help veterans to more easily obtain home loans with good terms,
often with no down payment.
RHS loans are guaranteed loans for rural individuals, with minimal closing costs and no down payment.
Additional, detailed types of commercial loans include:
Accounts Receivable
Bridge Loans with Warrants
Communications Lending
Construction
Contract Finance
Corporate Restructuring
Corporate Working Capital
Financing
Cross Border Financing
DIP Financing
Factoring
Floor Plan Financing
Government Guaranteed Loans
Healthcare
Import-Export Financing
Industrial Sales Financing
Intermediate Term Lending
Inventory
Investor Paper
Invoices to U.S. Agencies
Leasing
Leveraged Buyouts
Limited Pre-Invoice Funding on
Verified Government Contracts
Machinery and Equipment
Management Buyout (MBO)
Mezzanine Loans With Warrants
Monitoring Collateralized Loans
for Banks
Multi-Currency Transactions
Participations
Purchase Order Financing
Real Estate
Recapitalizations
Rediscount
Refinancing
SBA Loans
Single Invoice Factoring
Subordinated Debt
Tax Exempt
Tender Offers
Vendor Finance Banking
Venture Banking
27. CORP & SMALL BUSINESS CREDIT CARDS
HERE ARE DETAILS ON SEVERAL OF THE CREDIT CARDS that are most popular with
businesses in the United States. Each listing gives the company issuing the card (for example,
American Express), the card’s main features and benefits, as well as information on annual fees,
interest rates, and balance transfer fees, where available.
Please note that this listing is provided for the convenience of IWS customers only. The inclusion of
any business in this list does not constitute or imply an endorsement of any kind by IWS Inc.
Credit card companies may change offers at any time without notice. Certain offers may be available
for a limited time only. All readers are urged to contact the credit card company for the latest
information and offers on the cards that interest them.
28. Corporate Credit Cards
HERE ARE DETAILS ON SEVERAL OF THE CREDIT CARDS that are most popular with
businesses in the United States. Each listing gives the company issuing the card (for example,
American Express), the card’s main features and benefits, as well as information on annual fees,
interest rates, and balance transfer fees, where available.
Credit card companies may change offers at any time without notice. Certain offers may be available
for a limited time only. All readers are urged to contact the credit card company for the latest
information and offers on the cards that interest them.
29. CREDIT UNIONS
A CREDIT UNION is a non-profit financial institution that is owned and operated by its
members. Credit unions make most of the same types of loans that banks and savings and loans
make-personal loans, mortgage loans, home equity loans, lines of credit and so on. Credit
unions generally have many “perks” for their members and charge their members less interest
than other lenders do.
30. Directory Of US Angel Groups
31. Active Venture Capital and Business Angels That can help you Now
32. SBA MICROLOAN INTERMEDIARIES
An intermediary is a lender that helps borrowers get loans from other lenders and the U.S. Small
Business Administration (SBA). These lenders make micro loans, which are small loans to small
businesses needing startup funds, money for expansion, emergency cash, and other important
needs.
33. Yachts & Boats New & Used
34 Entertainment Funding
ENTERTAINMENT LENDERS AND FUNDERS
IN THE UNITED STATES, CANADA AND EUROPE
• Organizations Providing Financial Support for Entertainment Uses
• Public Funding for Film/Audio visual Production and Distribution
• Internet Links to Institutions in the Audio visual Entertainment Industries
Entertainment financing-and film financing, in particular-is typically available
in two forms: industry financing and lender financing.
Lender financing involves traditional lenders such as banks, commercial finance companies and the like.
Industry financing is provided by companies or individuals within the entertainment industry itself.
Types of entertainment loans include loans for film, musical performances, theater,
performance art, magicians, television, sports, speakers, and many other purposes.
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