About Us
When Banks Say No,We Say Yes!
C&S Loan Broker Services LLC
Offering Bankable and Non-Bankable Business Financing- $250,000-$10,000,000 financial lenders, Investors & commercial property loan broker
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C&S Loan Broker Services delivers innovative financing alternatives for real estate, property management, and investment projects that don't conform to standard banking requirements. Please contact us to discuss your project's eligibility.
Owner/Christopher C. Sarver
C&S LOAN BROKER SERVICES LLC
C&S Loan Broker Services specializes in providing tailored financial solutions for clients in the real estate and construction industry, particularly when traditional banks are unable to meet their needs. Here's an overview of the services C&S would offer:
1. Bridge Loans
Purpose: Provide short-term financing to bridge the gap between the purchase of a new property and the sale of an existing one, or to cover immediate expenses during construction projects.
Advantages: Quick approval and funding, flexible terms, and the ability to seize opportunities without waiting for traditional bank approvals.
2. Hard Money Loans
Purpose: Offer financing based on the value of the property or project, rather than the borrower's credit history. Ideal for real estate investors and developers needing fast cash for purchases, renovations, or developments.
Advantages: Speedy processing, less stringent requirements, and the ability to fund projects that may not qualify for conventional loans.
3. Construction Loans
Purpose: Provide funds for building or renovating residential or commercial properties. These loans are typically disbursed in stages as the project progresses.
Advantages: Customized loan amounts based on project needs, flexible disbursement schedules, and the potential to convert to permanent financing upon completion.
4. Mezzanine Financing
Purpose: Offer a hybrid of debt and equity financing, allowing developers to secure additional capital for large-scale projects without giving up significant ownership stakes.
Advantages: Provides additional leverage, often fills the gap between senior debt and equity, and can enhance the overall return on investment.
5. Refinancing Solutions
Purpose: Help clients restructure existing debt to better align with their current financial situation or to take advantage of lower interest rates.
Advantages: Potentially lower monthly payments, access to cash for other investments, and improved cash flow.
6. Acquisition Financing
Purpose: Provide funds to purchase real estate or businesses, particularly when speed is crucial, or traditional lenders are hesitant.
Advantages: Quick access to capital, flexibility in terms, and the ability to close deals that may otherwise be missed.
7. Equity Participation Loans
Purpose: Offer financing where C&S takes an equity stake in the project, sharing in both the risks and rewards.
Advantages: Lower upfront costs for the borrower, alignment of interests, and potential for higher returns upon successful completion of the project.
8. Customized Financing Solutions
Purpose: Develop tailored financial packages to meet the unique needs of each client, whether it’s a small renovation project or a large-scale development.
Advantages: Flexibility in structuring deals, innovative approaches to problem-solving, and a focus on client success.
Slogan: "When Banks Say No, We Say Yes!"
C&S Loan Broker Services is committed to finding the right financial solution for every client, regardless of the challenges they face with traditional lenders. By leveraging alternative financing options and a deep understanding of the real estate and construction industry, C&S helps clients turn their visions into reality.
This suite of services positions C&S as a crucial partner for developers, real estate investors, and construction professionals, ensuring that their projects are funded and completed on time, even when traditional banks cannot provide the necessary support.
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SMALLER DEALS - $5,000,000 OR UNDER
1. Textile Factory Refinance - $500,000. The property has been renovated
and is now rented out as art studios to local Philadelphia artists. The
refinance was used to provide continued improvements to the property.
2. Inter-creditor agreement with a local lending institution to provide a
“carve-out” of their security interest - $1,000,000
3. Construction Finance for 28,800 square foot, one story, tenanted office
Building Loan Type: Refinance Amount: $2,250,000 Terms & Rate:
Fixed rate for first (5) years with another (5) year reset for a total of (10)
year term
4. Suburban Vitamin Distribution company $2,500,000
5. Construction Finance for Sports Bar Restaurant Complex - $1,500,000
6. Raised $300,000 to fund and produce national cable dance and
entertainment show that was broadcast for 13 years on WPHL - Channel
17 which was Dancin On Air and Dance Party USA on USA Network,
wherein Jeff Servin was one of the originators and was one of the
Executive Producers and Executive Vice President of Business Affairs for
13 years for over 3000 shows.
7. Subsequent revival of Dance Party USA type show with Clive Davis
Recording Company Funder for $600,000
8. Funded by Servin & Associates a record production and publishing in
excess of $200,000.
9. In NJ - private manufacturing company that made paints, dyes, coatings
in excess of $250,000.
10. Four Greek diners on a refinance in excess of $4,000,000.
11. Airplane charter co in suburbs - $800,000.
12. Software co in suburbs small start-up capital $300,000, today co grosses
$800,000,000 per year.
13. Litigation Financing for two cases wherein Jeffrey D. Servin, Esquire,
successfully sued Will Smith twice and collected both times.
LARGER DEALS OVER - $5,000,000
14. Debt Restructure - $31,415,000 Conventional Loan LIBOR plus 3.25%
- Leaseback/on Commercial Building
15. Refinance - $8,100,000 - Line of Credit: (12) month for a manufacturing
company
16. Secured a $6,000,000 asset based credit facility and assisted in
negotiating. This enabled the client to secure the new financing,
continue to grow, while preserving the existing bank/client relationship.
17. Secured firm financing of $140,000,000 to acquire cable franchises in
Jamaica and Caribbean.
18. Secured $8,000,000 in capital from National cable co to fund a new
sports venture called the Continental Football League in partnership with
the great NFL superstar and movie star Jim Brown.
19. Via a reverse merger of a public co shell secured $15,000,000 for an
intended IPO for the successful entertainment entity Dancin on air and
Dance Party USA in #6 above.
20. Suburban manufacturing co that made train parts for locomotives, parts
for patriot missiles, misc. military parts - in excess of $12,000,000.
21. Oil and gas deal refinancing in excess approx. $15,000,000.
22. Funded - diners in NJ and in PA and DE - 3 deals in excess of
$7,000,000.
23. Construction and acquisition funding for commercial projects about 6
projects in excess of $7,000,000.
24. Dinner venue in Poconos and adjacent mall $7,000,000.
25. Golf course on the Jersey Shore re-financed - $3,000,000, eventually
sold for $8,000,000
26. Have DIP financing for bankrupt co on an asset purchase basis in excess
of $6,000,000
APPROXIMATE JOINT TOTAL $300,000,000
****** Current resources are approximately 6 Hedge Funds or their equivalent
having financial resources in excess of 3 Billion, who are looking for good
debt deals the Banks will not do.
FAQs
This FAQ section is designed to provide clear, concise answers to the most common questions, helping clients understand the value that C&S Loan Broker Services offers and how they can benefit from both non-bankable and bankable loans.
Frequently Asked Questions
1. What is a non-bankable loan?
A non-bankable loan is a type of financing that traditional banks are unwilling or unable to provide. This can happen due to various reasons, such as the borrower's credit history, the nature of the project, or the perceived risk involved. Non-bankable loans are typically provided by alternative lenders, such as private investors, hard money lenders, or specialized loan brokers.
2. What is a bankable loan?
A bankable loan is one that meets the criteria of traditional banks or financial institutions. These loans are typically offered to borrowers with strong credit histories, stable income, and low-risk projects. Bankable loans often come with lower interest rates and longer repayment terms but can be harder to qualify for.
3. How does a loan broker help with non-bankable loans?
Loan brokers work as intermediaries between borrowers and lenders. For non-bankable loans, they connect clients with alternative lenders who are willing to take on more risk. Brokers have access to a wide network of private lenders, hard money sources, and other financial institutions that specialize in non-conventional loans. This means that even if a bank says no, a broker can often find a lender who will say yes.
4. Why would I choose a loan broker over going directly to a lender?
A loan broker offers several advantages:
Access to Multiple Lenders: Brokers have connections with numerous lenders, increasing your chances of finding the right loan for your needs.
Expertise: Brokers understand the complexities of different types of loans and can match you with the best options available.
Time Savings: Rather than applying to multiple lenders on your own, a broker can handle the legwork, saving you time and effort.
Negotiation Power: Brokers can often negotiate better terms on your behalf, leveraging their relationships with lenders.
5. What types of projects are typically financed with non-bankable loans?
Non-bankable loans are often used for:
Real estate investments that involve quick purchases or renovations.
Construction projects with higher risks or unconventional structures.
Bridge loans to cover the gap between the purchase of a new property and the sale of an existing one.
Situations where the borrower has a less-than-perfect credit score or lacks the traditional documentation required by banks.
6. What are the typical interest rates for non-bankable loans?
Interest rates for non-bankable loans are generally higher than those for bankable loans, reflecting the increased risk taken on by the lender. However, rates can vary widely depending on the type of loan, the lender, and the specifics of the project or borrower.
7. How quickly can I get approved for a non-bankable loan?
One of the key benefits of non-bankable loans is the speed of approval. In many cases, approval can happen within a few days, and funding can be received shortly thereafter. This is ideal for situations where time is of the essence, such as in competitive real estate markets or urgent construction projects.
8. Can a loan broker help improve my chances of getting a bankable loan in the future?
Yes, a loan broker can provide valuable guidance on how to improve your financial profile, making it easier to qualify for bankable loans in the future. They can help you understand what lenders are looking for and suggest steps to enhance your creditworthiness, financial documentation, and overall project presentation.
9. How does a loan broker get paid?
Loan brokers typically earn a commission or fee from the lender or the borrower, depending on the agreement. This fee is usually a percentage of the loan amount. The exact fee structure will be clearly outlined before you agree to work with a broker.
10. Will using a loan broker cost me more money?
While there is typically a fee associated with using a loan broker, the benefits often outweigh the costs. A broker can save you time, improve your loan terms, and increase your chances of securing financing. In many cases, the savings in time and better loan conditions more than make up for the broker's fee.
11. Is a non-bankable loan the right option for me?
If traditional banks have turned you down, or if you need fast, flexible financing, a non-bankable loan may be the best option. A loan broker can help assess your situation and guide you toward the most appropriate loan products based on your specific needs and circumstances.