Description

Global Capital Dominicana is one of the leading facilitators of Commercial Property Loans in North America and the Caribbean. Global Capital understands that every commercial property loan can be affected by a broad spectrum of variables which can require extensive structuring in order to get them approved.

Due to the global financial crisis the lending environment in the commercial property market has generally become very tight with most lenders lowering their Loan to Value Ratios (LVR’s), tightening credit policy and with many lenders pulling out of the market this has left commercial property loan borrower frustrated with the lack of commercial loan products available to them. Global Capital though our wealth of experience in the marketplace and access to over 200 commercial lenders has been able to offer our clients access to commercial loans which have matched their financial requirements even through these trying times.

Our commercial mortgage product offerings range from straight forward commercial loans for both investors and owner occupiers, through to more highly leveraged structured finance facilities as follows:
Investment loans for commercial real estate, industrial and retail assets
Owner-Occupied loans for commercial real estate, industrial and retail assets
Non Recourse loans (no directors guarantees required)
Specialized assets such as hotel & motels, caravan parks, petrol stations and child care facilities
Structured facilities where the LVR required exceeds current lending parameters and a structured solution is required
Depending on what financial information the borrower can provide a commercial mortgage solution may be achieved through either:
Full Doc: Commercial borrowers who can demonstrate serviceability with up to date detailed financial statements covering the last two years
Lite Doc: Commercial Loan borrowers who just fall outside the Full Doc criteria and who can still clearly demonstrate serviceability through information such as less than 2 years financials, rental income etc.
Low Doc: Commercial Loans where the borrower can not demonstrate serviceability through non-traditional means however can obtain an accountants letter confirming that they can service the debt
No Doc / Asset Lend: Commercial Loan borrowers who cannot provide any income verification and also can not obtain an accountants letter to confirm that they can service the debt. In effect the commercial loan is an asset lend
Given that we have access to over 200 commercial lenders means that we can assist no matter what your commercial loan requirements may be. Our products aim to be at the forefront of the commercial mortgage lending market.

Having access to a vast array of funders GC can offer the following commercial loan benefits:
Competitive lending rates across the entire commercial mortgage product range
Tailor made solutions for all your commercial loan requirements
Flexible LVR’s and other terms and conditions
Offer non-bank solutions and thereby avoiding “putting all of your eggs in one basket”
Access to ‘set and forget’ commercial loans which do not have any annual reviews
Access to non-bank private lenders who take a more commercial view on commercial loans
Fast turnaround times for commercial loans
Flexible commercial loan servicing criteria
Access to commercial loans based on valuation as opposed to purchase price
Whatever the requirements we have access to the appropriate commercial loans and lenders that can assist.