What does Creative Lending do?

We help you navigate the Commercial Lending process.

How do we do this?

That’s a great question. It can be difficult navigating the Commercial world and we provide the help needed to navigate this world. As you fill out the application you will notice questions that you don’t see in the Residential mortgage side of business. This is because a Commercial Loan is designed for businesses. Most of the lenders we work with require the loan to be under a business entity.

Commercial lenders are used to working with Big Business clients and are not very customer friendly. Think large apartment complexes and businesses like Caribou, Starbucks, Dental offices, etc. The businesses typically using this type of loan are very used to navigating the Commercial Lending world and have CPA’s and staff accountants to do this for them.
Consequently, lenders aren’t used to working with smaller investors and don’t have the patience to hold your hand.

This manifests itself in different ways:

Most Commercial lenders will not pre-approve you for purchase. They will look at your financials but they will not give you a traditional pre-approval with a price range to purchase your investment property. We work with lenders to get that for you so you can feel confident going into your purchase agreement.

We ask the right questions, structure the lender package and craft a request that is most likely to secure the best terms for your needs.

While a loan is in process, we communicate with the lender to provide you a customer friendly experience.