Commercial lending involves financial institutions that lend money to established businesses and partnerships. Lending options may include a revolving line of credit for businesses to maintain working capital as needed. Additionally, loan terms and interest rates usually frame the process of commercial lending. In many cases, commercial lending is beneficial to small businesses that do not have access to capital markets. This type of financing can help small businesses thrive.

Lending web directory
Commercial lending

Large companies can also take advantage of commercial lending products. High-growth companies may experience a stall in profits during sluggish periods in the economy. Stocks and bonds do not move as quickly in public markets. When this occurs, commercial lending is an alternative for these companies.

Generally, lenders will consider five key elements in making a decision to grant a commercial loan. First, lenders examine the business's capacity to determine whether the business can repay the commercial loan. Part of this examination includes accessing the business's cash flow and assets. A strong cash flow is a good growth indicator of the business's solvency.

A steady cash flow for a period of two years or more is a good sign that the business can repay the loan according to terms. If the cash flow is weak, the lender might evaluate which assets can be solid collateral.

Business assets can be used as a pledge for repaying the commercial loan. Sometimes, the lender will require a personal guarantee for the loan. Generally, the owner and/or principle investors must include personal financial information. This information is used by the lender to collect on the loan based on the personal guarantee if the business entity defaults.

Conditions of a commercial loan are another key element for lenders. Commercial loans for general capital needs are not given strong considerations. Typically, lenders prefer to grant commercial loans for capital equipment purchases.

There are 11 Commercial Lending web directory related resources in this category!

  • 1st Commercial Credit
    This site is involved in the commercial lending aspect of accounts receivable financing. Let them help you convert sales on credit terms for immediate cash flow.
    http://www.1stcommercialcredit.com/

  • AgQuest Financial Services
    Offers operating loans to agricultural producers who require short maturity loans necessary to carry their production costs, and harvest their goods for market.
    http://agquest.biz/

  • Alaska Growth Capital
    Providing the Alaskan market with commercial lending means that help new businesses start, or help expand existing business ventures.
    http://alaskagrowth.com/

  • Allbex Financial Partners
    Alternative and traditional financing are provided by this company that was established in 1992. Medical and doctors loans, lines of credit, working capital, and asset based funding are available.
    http://www.allbex.com/

  • AmeriBanque Ltd.
    A provider of commercial real estate financing, second mortgages, and aircraft financing, this Florida based business specializes in equipment leasing, and business loans.
    http://www.ameribanque.com/

  • American AgCredit
    Founded in 1916, this business offers agricultural producers special financing programs and services across more than 30 states in the nation.
    http://www.agloan.com/

  • American Church Mortgage Company
    When churches need financing, they rely on this business. Offering long-term commercial rate mortgage loans from $500,000 to $10 million.
    http://www.church-loans.net/

  • Barclay Associates
    Business loans, receivable loans, and commercial mortgages are provided by this lending business. Apartment building financing, medical and business factoring, and purchase order financing are also available.
    http://www.barclayassociates.com/

  • Baron Real Estate Loans
    A leading commercial lender for marinas, hotels and motels, healthcare facilities, office buildings, mixed-use facilities, mobile home parks, restaurants, strip malls, warehouses, and more.
    http://www.hardtoplaceloans.com/

  • Crestmark: Payroll Funding
    A business-to-business lender specializing in providing working capital solutions.
    http://www.crestmark.com/industry-solutions/staffing/payroll-funding.aspx

  • Deal Capital
    A middle market M&A firm doing deals across a broad spectrum of markets and locations, nationwide.
    http://www.dealcapital.com/