Purchasing commercial real estate for your business is a HUGE decision -- one that should not be taken lightly. Before you become a commercial property owner, you will need to find a lender to help finance your purchase or construction. Even if you already have a healthy relationship with a commercial bank, you will want to evaluate all of your options for commercial real estate financing. Choosing the right lender for your project will make a world of difference. You want a lender who understands your needs as a business owner, not just a borrower. You want a “partner” in the financing process. Before you begin looking for a commercial lender, there are things you can do to make sure you’re teamed up with the best lender for you. In this report, you’ll learn the 15 secrets to choosing a commercial lender, including what to look for and what questions to ask. Once you’ve read this information, you’ll be equipped to make the best commercial financing decision for you and your business. To read the rest of the report visit http://www.504Experts.com/welcome

2. The 15 Secrets to Choosing a Commercial Lender!©
Drafted December 2007
Executive Summary:
1 You Have Options
2 Choose the Best Loan for Your Business
3 Get Pre-Approved As Soon As Possible
4 Work With a Specialist Rather Than a Generalist
5 Work With a Lender Focused On Your Immediate Needs
6 It’s Smarter to Make a Smaller Down Payment
7 The Longer the Amortization, the Better
8 Look for a Lender with an Entrepreneurial Mindset
9 If Construction is Involved, It’s a Whole New Ballgame
10 Do Not Choose a Lender Based on Interest Rate Alone
11 Choose a Lender with National Reach
12 Get Referrals
13 Ask the Right Questions
14 Use Available Resources
15 Follow Your Commercial Lender Checklist
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3. The 15 Secrets to Choosing a Commercial Lender!©
Purchasing commercial real estate for your business is a HUGE decision -- one that should not be taken
lightly. Before you become a commercial property owner, you will need to find a lender to help finance
your purchase or construction.
Even if you already have a healthy relationship with a commercial bank, you will want to evaluate all of
your options for commercial real estate financing. Choosing the right lender for your project will make
a world of difference. You want a lender who understands your needs as a business owner, not just a
borrower. You want a “partner” in the financing process.
Before you begin looking for a commercial lender, there are things you can do to make sure
you’re teamed up with the best lender for you. In this report, you’ll learn the 15 secrets to
choosing a commercial lender, including what to look for and what questions to ask. Once
you’ve read this information, you’ll be equipped to make the best commercial financing decision
for you and your business.
1 You Have Options
You deserve to work with a lender that understands your needs. In other words, you don’t have to
choose the first lender you talk to, nor do you have to settle for a lender with a small branch office
around the corner. Purchasing your commercial property is a HUGE step in the life of your business, and
the lender you choose will play a large part in it.
It’s important that you know exactly what you want in a property and in a lender. You should feel
comfortable with your commercial lender -- you should see him as a trusted partner in the investment
you’re making.
2 Choose the Best Loan for Your Business
A good commercial lender will share several loan options with you. You can help expedite the process
by educating yourself on the loan basics ahead of time so that you’re well prepared to make the
decision on what kind of loan will be best for you. Proper due diligence on your part will make the
process much easier.
Commercial real estate financing comes in a variety of “flavors” -- each with its own requirements and
nuances. The following are two types of loan programs that you’ll be able to choose from:
Conventional Commercial Loan
Ordinary, or conventional, commercial real estate loans have the option of either fixed or variable
interest rates (usually only up to 10 or 15 years) and typically require at least a 20% equity injection from
the borrower (you). Many business owners find it difficult to come up with the down payment that a
conventional loan requires. Keep in mind that additional soft costs and closing costs will likely come out-
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4. The 15 Secrets to Choosing a Commercial Lender!©
About the Author
Chris Hurn is currently CEO, and Cofounder of Mercantile Capital Corporation (MCC) where his firm specializes in
providing the highest cash-on-cash return financing for business owners and entrepreneurs buying commercial
property. His company was on the 2007 Inc. 500 list of America’s fastest growing companies, ranked # 245 with
951% growth over a 3-year period. To date, MCC has closed commercial loans in 33 states for over $370 million in
total project costs -- one business owner at a time, including for numerous franchised concepts -- and has been
voted “Best Place to Work” by the Orlando Business Journal for 3 years running.
Chris is also the CEO, Cofounder and Chairman of Kennedy’s All-American Barber Club®. Kennedy’s is a franchised
concept that offers the finest haircuts for men, the lost art of straight-razor shaves, and a modern selection of
grooming products all within a membership-based, nostalgic club atmosphere. It is a membership-driven, mass-
affluent targeted, recession-resistant business more about a lifestyle experience than just haircuts. It’s designed
to be a “sanctuary” for men -- a place to get away from the “chop shops” and indulge in “affordable luxuries” just for
men. He is currently franchising Kennedy’s nationwide.
Chris is well-known for his innovative marketing achievements and continues to coach and consult nationally with
various business owners and entrepreneurs. Here a few other notable awards and accolades Chris has received:
• Reader’s Choice Award for “Most Respected Executive in Central Florida” and “Best Small Company in
Central Florida.”
• “SBA Marketing Guru of the Year.”
• NADCO’s “Banker of the Year.”
• SBA Financial Services Champion.
• Top Twenty Most Influential People in Small Business lending.
• “Top Male, 40 Under 40” in Orlando.
• One of the “100 Most Influential People” in Central Florida.
Throughout his career, Chris has served in various leadership positions, including his background
as a business consultant and financier with GE Capital and as CFO for the NAI RealVest group of
companies. He graduated from Loyola University Chicago with two magna cum laude bachelor
degrees; earned a master’s degree from the University of Pennsylvania’s Fels Center (formerly at
the Wharton School of Business); and dropped out of Georgetown University Law Center after one
year, when he realized the world didn’t need any more attorneys.
Chris is a frequent speaker and writer for national events and publications, and has been featured
in the Wall Street Journal, Inc. Magazine, BusinessWeek, L.A. Times, Forbes, the Sacramento Bee,
the Orlando Sentinel, Scotsman Guide, Franchise Times and many other regional and nationally-
recognized trade publications, as well as in six business books to date.
He maintains a busy civic calendar as a member of the Orlando Regional Chamber of Commerce’s
Small Business Board and the Florida Hospital Foundation Board, as well his involvement with
many other esteemed community organizations.
Be sure to contact Chris Hurn and his team of Commercial Real Estate
Financing Experts when you or someone you know is interested in owning
commercial property the Smart way. Here’s how:
Mercantile Capital Corporation
940 Centre Circle, Ste 3006, Altamonte Springs, FL 32714
Phone: 407-786-5040 or 1-866-MCC-4504 | Fax: 407-682-1632
Email: info@mercantilecc.com
Website: www.TheSmartChoiceLoan.com | Blog: www.504Blog.com
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