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Success Stories

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OWNER-OCCUPIED REAL ESTATE TRANSACTION – EWING, NEW JERSEY
$775,000 commercial loan transaction. Our client converted a high variable rate of interest loan into a five-year fixed interest rate based on a 25-year amortization through our creative lending platform. This was achieved by the New Jersey EDA Premier Loan Participation Program. The five-year blended interest rate was 5.85%.​ The client’s annual savings are $40,000. We converted the client’s non-interest-bearing checking accounts into​ Money Market Accounts for interest income.


START-UP FAMILY ENTERTAINMENT VENUE – SOMERDALE, NEW JERSEY
$500,000 10-Year SBA 7a Loan to open a new entertainment venue featuring axe-throwing, mechanical bull riding, rock climbing wall and various games in a 7,000-sf inline storefront. Proceeds financed leasehold improvements, equipment/games and working capital. Through our network base, our commercial real estate broker negotiated the lease transaction and secured eight months of free rent.


OWNER-OCCUPIED REAL ESTATE TRANSACTION – LAWRENCEVILLE, NEW JERSEY
$1,935,000 commercial loan transaction. Our client converted a high variable rate of interest loan into a five-year fixed interest rate based on a 25-year amortization through our creative lending platform. This was achieved by the New Jersey EDA Premier Loan Participation Program. The five-year blended interest rate was​ 6.85%. Based on the value of the real estate, loan proceeds financed the pay off on the SBA Loan, all closing​ cost and cash out.

OWNER-OCCUPIED REAL ESTATE TRANSACTION – LONG HILL TOWNSHIP, NEW JERSEY
A $1,725,000 commercial loan transaction was structured in three different loans to provide 90% financing for our client. Transaction I was a $1,475,000 commercial mortgage with an SBA 504 second mortgage loan participation. Transaction II was a $250,000 SBA 7a loan. The loan proceeds financed commercial real estate purchase from a Bank’s OREO Group, renovations, a liquor license from a bankruptcy trustee, equipment, soft costs, and working capital. Our client is opening their second restaurant.

START-UP FITNESS CENTER – GLOUCESTER, NEW JERSEY
$307,000 5-year commercial Lease to finance 100% of fitness equipment for a second location. The effective interest rate was 7.65 %, a dollar buyback lease. We secured financing after the client’s primary bank declined the loan.

OWNER-OCCUPIED TRANSACTION – HVAC CONTRACTOR, MERCER COUNTY, NEW JERSEY
$1,350,000 commercial loan transaction. Our client secured 90% of the financing through our creative lending platform. This was achieved by a New Jersey EDA Loan Participation. The five-year blended interest rate is 5.65% based on a 25-year amortization. The client moved from a leased building to their first family-owned building. Six months after the loan closed, the client wanted to prepay the mortgage by $400,00. We recommended that the client open a new money market account with a bank that earned 5.25% inside of paying down the loan. The client retained capital and another bank is paying him interest to be applied to his mortgage.

BRIDGE LOAN – OWNER-OCCUPIED COMMERCIAL BUILDING, MIDDLESEX, NEW JERSEY
$1,300,000 one-year interest-only loan at 12.00%. The client was under a tight timetable to purchase a 12,000SqFt office building to move into their new corporate headquarters. We are working with our client to secure 90% financing over the next 6 to 9 months.

 

INVESTMENT REAL ESTATE – ESTATE MERCER COUNTY, NEW JERSEY
$500,000 30-year commercial mortgage on two five-unit apartment buildings. Proceeds refinanced an existing $150,000 matured loan and $350,000 cash out. The interest rate is fixed for 30 years at 8.99%. The client’s existing bank would not entertain this transaction.

INVESTMENT REAL ESTATE – ESSEX COUNTY, NEW JERSEY
$325,000 30-year commercial mortgage on a mixed-use property. The client moved her commercial cleaning business to the 1st floor and secured a tenant for the 2nd floor. The interest rate is fixed at 10.99% for 30 years.

INVESTMENT REAL ESTATE – MONROE, NEW JERSEY

$1.6 million commercial mortgage on a two-story 12,000-square-foot medical office building. Obtained a twenty-five-year loan with a fixed interest rate of 5.00% for the first five years. Negotiated a prepay principal clause of 15% annually without a prepayment penalty.

MEDICAL OFFICE FIT OUT – MONROE, NEW JERSEY
$500,000 construction line of credit converting to a 10-year term loan upon project completion and certificate of occupancy. The interest rate is fixed at 4.00% for the entire ten years. Loan proceeds will finance soft costs, equipment purchases, and fit-out costs associated with the transaction.

WORKING CAPITAL LINE OF CREDIT – HAMILTON, NEW JERSEY
$200,000 three-year line of credit for an electrical contracting company to pay off an existing loan and provide working capital to support the company's growth. The interest rate was based on the WSP and is interest only. The borrower can make advances and pay downs to support their cash flow. The loan is only secured by business assets.

INVESTMENT REAL ESTATE – TRENTON, NEW JERSEY
$260,000 commercial mortgage on a residential rental home and a commercial building. Loan proceeds refinanced existing debt and allowed the client to pull cash out of the transaction for future real estate purchases. A fixed interest rate of 4.25% for the first five years is based on a twenty-five-year amortization.

BRIDGE LOAN/HARD MONEY TRANSACTION – CENTRAL NEW JERSEY
$1.2 million 18-month bridge loan with an interest rate of 12%. Based on this transaction, the client avoided foreclosure on several residential properties.

BUSINESS SALE TRANSACTION – NEW JERSEY
Successfully marketed and sold a family-owned business via a private transaction. The client did not want this to be publicized to protect their employees and customers. This business was sold during the height of COVID at 90% of our asking price. Cascade Capital leveraged our centers of influence and network database to secure a buyer.

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