Post about "Real Estate"

Commercial Loan Retainer Fees

Retainer fees are “standard business practice” for some (but not all) commercial loan situations. It is understandable that a commercial borrower would rather not pay such a fee, so it is important for a commercial borrower to understand when it is more likely to be necessary. In fact a business loan retainer will not be necessary in many business loan scenarios. This is especially true of commercial financing such as business cash advances that takes less time and produces funding within just a few days.For more time-consuming commercial loan processes, it is increasingly common for a retainer fee to be paid during the preliminary stages. This is especially true when working with business loan consultants that specialize in commercial loans. Most advisors who work with residential mortgage loans (and perform commercial loans as a sideline to their main business activities) will not charge a retainer fee because in many/most instances they are legally prevented from doing so by certain state and federal regulations (in other words, it is likely that they too would charge a retainer fee if not legally prohibited from doing so because of prevailing residential loan compliance issues).So why wouldn’t a commercial borrower who doesn’t want to pay a retainer fee simply work with someone who doesn’t charge a retainer fee? Many commercial loan situations are too difficult for the average residential loan advisor to handle successfully. Similar to a person seeking a more expensive medical or legal specialist to help them when confronted by a serious medical or legal problem, most commercial borrowers have come to realize that business loan problems are frequently just as serious and complex and deserving of a commercial loan specialist.It is in these situations when a commercial borrower is working with a business loan specialist that a retainer fee should be viewed as “standard business practice” for more difficult and time-consuming commercial loans. I have stated elsewhere that one of the most important lessons to be learned from a thorough analysis of commercial financing “trade-offs” is that the lowest rate is almost never associated with the best deal for the commercial borrower. A similar observation based on over 25 years of business loan experience: the lowest fees are also rarely associated with the best deal for the commercial borrower.The fees charged by commercial loan specialists (including retainer fees when appropriate) are almost always higher than loan advisors who do not specialize in business loans. In the end, most of these borrowers still choose to deal with a highly-qualified commercial loan specialist because they ultimately realize that perhaps it is better to use the “best” business loan advisor rather than the “cheapest” business loan advisor.The most typical range for commercial loan retainer fees is $2500 to $10,000 (obviously a wide range). There are various reasons for a retainer fee and here are three of them: (1) to compensate the advisor for some of the initial loan processing; (2) to serve as a “good faith” deposit toward the overall commercial financing fees; and (3) to focus the borrower on working with one business loan advisor. The third reason might be the most important of all. With difficult commercial loans, it is extremely counterproductive for a commercial borrower to be working with multiple business loan advisors (regarding the same loan). Once a retainer fee has been paid, a commercial borrower is likely to be more comfortable in working solely with the business loan advisor who received the retainer fee, and with difficult commercial loans, this unified approach is likely to be more successful. It is this success that ultimately justifies the retainer fee.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

Top 10 Handmade Wooden Duck for Home & Garden Decoration

Ducks are one of the symbols that reflects love. Wooden ducks are finely carved, created, and designed for a striking look and sense nicest for home and garden decors. These ducks are handmade with precise and skilled craftsmanship on wood with hand-painting with special colors. Just a little care needs to be taken for tidying up. Clean the wooden articles with a sponge or cloth using a mild non-detergent soap and water and clean them dry. Abrasive cleaners or scrubbers should not be used, and they can pale the look of the wooden item.

Painted duck statues for garden lawn or yard decoration handmade wooden craft.
The materials, paints, and pigments used for making it are eco-friendly, non-toxic, and safe. It is a cute duck-shaped wooden article perfect for home, lawn, garden, and party decor. This makes the home and garden look thoroughly beautiful and fascinating. It may come in different sizes according to the customer’s requirements.
Wooden ducks crafts ornaments desktop decoration for home party
It is made of wood crafted beautifully, giving a cute and unique look. It has a realistic shape, and the handcrafters had given the wooden duck’s excellent details with fine skills. It is purposefully suitable for garden, office, home, office, and desktop decoration. It makes the mood refreshed and brings happiness to daily life. It is also a great gift for children, friends, or lovers.
Zoltamulata handcrafted wooden duck pair showpiece for home interior decor ducks
These ducks are made up of good-quality wood material. It is certainly suitable for home and car too. This makes the home look better and greatly enchanted.
Wooden Hand-Painted Ducks
The Rajasthan artists are greatly skilled in the handcrafting of wooden articles. This is one of their articles beautifully hand-painted and carved. This is suitable and beautifully embraces a comfortable corner of the office or home.
Wooden Duck Home Decor
This is a fascinating and beautifully detailed design made up of wood. The details in the duck are very well shown. Though it is not painted, it gives a rich and royal look to the home decor.
Klowage Duck Decorative showpiece
This is enormously best for home decorative purposes. It is completely made up of wood and comes in multicolor according to customers choice. It gives a little vintage theme to the home. Looks great and has a great impact on people.
LAVANSHI 4″ Kadamba Wood Duck Decorative Showpiece
This wood duck showpiece is extremely ethnic and authentic. The artisans have precisely given the minute details, making this woodcraft a masterwork. It is suitable for the home decor purpose giving a delightful look to the home.
3√óRustic Style Duck lovely nautical wooden duck set photo prop table shelf display home decor
These highly detailed handmade duck models are very fascinating and elegant. They are well-crafted and carved with details. It is colored and feels cute to be a part of home and garden decor.
Handmade Ducks by DCUK
This handmade duck is so much more than just a decor ornament. It is made up of wood with specific details unique from most other handcrafted wooden duck decors. It is perfectly sculpted, and the hat and boots make it more attractive.
Wooden Birds Gift Set
This can be used for home decor or garden decor purposes. It could also be gifted to loved ones. Just protect it from water and dust with a small cotton hand broom to remove the accumulated dirt.
The wooden duck articles are perfect for your garden decor and home decor. It gives the place a unique and new look. We also provide the best handmade wooden duck decor for home and garden decor purposes. The painted wooden ducks with boots are specifically good and prominent at our place. You can also buy the best duck models from us at a reasonable price and more offers.