Commercial Mortgages

What You Need To Know About Commercial Mortgages

The first thing that you need to know is that not all commercial mortgages are created equal!

If you are a small business or entrepreneur, then some commercial mortgages will be more advantageous for you than others. But the problem is that the bankers (commercial loan officers that is) don’t like to talk about certain commercial mortgages because they make less money on them! Banks also have a tendency to generalize in services, and offer a wide array of products. While this may sound good, think about it for a moment. Would you rather have a lender that knows a little about many financing options, or a lot about three or four products designed specifically for you?

At Mercantile Capital Corporation we provide commercial mortgages for business owners and entrepreneurs exclusively and as entrepreneurs ourselves we have trod the same path you have so we understand your needs.

You see we believe in smarter financing, which we define as: 1) put as little down as you can, 2) get the longest term you can, and 3) get a below-market fixed interest rate for as long as you can.

Doing this allows you to use your capital as you best see it, rather than increasing your risk (while lowering the risk to your lender). Business owners shouldn’t be concerned about the bank’s risk; they have to be concerned about their own risk.

In addition to our smarter financing, we offer such specialized knowledge that bankers can’t compete with us, since they have to juggle fifty different products and services in their heads. We, on the other hand, only do three loan programs, and one of them (our SmartChoice Commercial Loan) represents 95 percent of what we do. We really are the nationwide experts at what we do, and we deliver it better than anyone else. We want our customers to have the best commercial lending experience possible. But this isn’t possible if you chose a generalist to handle your deal.