$775,000 Owner-Occupied Commercial Loan | Ewing, NJ

An owner-occupied property in Ewing, New Jersey was burdened by a high variable interest rate, and the client needed a more stable and cost-effective financing solution. Cascade Capital Advisors leveraged the New Jersey EDA Premier Loan Participation Program to convert the loan into a five-year fixed rate based on a 25-year amortization, achieving a blended interest rate of 5.85%. The restructuring delivered annual savings of $40,000 and improved cash flow, while additional value was created by converting the client’s non-interest-bearing checking accounts into money market accounts to generate interest income.