--- title: Blog | Insights description: Insights | Common Sense Commercial Loans --- [![Helvetica Group](https://blog.helveticagroup.com/hubfs/TheHelveticaGroup-Apr2016/Images/logo.jpg "Helvetica Group")](http://www.helveticagroup.com/) - [Home](http://www.helveticagroup.com/) - [About Us](http://www.helveticagroup.com/about-us) - [Careers](http://www.helveticagroup.com/careers) - [News](http://www.helveticagroup.com/news) - [Contact Us](http://www.helveticagroup.com/contact-us) - Enter Symbol:  - Symbol Lookup - [Services](http://www.helveticagroup.com/services) - [Lending](http://www.helveticagroup.com/services/services-lending) - [Investment Management](http://www.helveticagroup.com/services/investment-management) - [Investment Banking](http://www.helveticagroup.com/services/investment-banking) - [Family Office Services](http://www.helveticagroup.com/services/familyoffice-services) - [Property Management](http://www.helveticagroup.com/services/property-management) - [Real Estate Brokerage](http://www.helveticagroup.com/services/real-estate-brokerage) - [Transactions](http://www.helveticagroup.com/transactions) - [Investments](http://www.helveticagroup.com/investments) - [Investment Philosophy](http://www.helveticagroup.com/investments/investment-philosophy) - [Alternative Assets](http://www.helveticagroup.com/investments/altassets) - [Trust Deed Investing](http://www.helveticagroup.com/investments/trust-deed-investing) - [Helvetica Funds](http://www.helveticagroup.com/investments/helvetica-funds) - [Investment Sales](http://www.helveticagroup.com/investments/investment-sales) - [Lending](http://www.helveticagroup.com/lending) - [Products & Guidelines](http://www.helveticagroup.com/lending/products-a-guidelines) - [Submit a Loan](http://www.helveticagroup.com/lending/submit-a-loan) - [Alternative Financing](http://www.helveticagroup.com/lending/alternative-financing) - [Brokers & Bankers](http://www.helveticagroup.com/lending/broker-programs) - [Links](http://www.helveticagroup.com/lending/links) - [Research](http://www.helveticagroup.com/research) - [Trading](http://www.helveticagroup.com/trading) - [Partners](http://www.helveticagroup.com/partners) - [Partner Portal](http://www.helveticagroup.com/partners/partner-portal) - [Realtors & Brokers](http://www.helveticagroup.com/partners/realtors-a-brokers) - [Lenders & Bankers](http://www.helveticagroup.com/partners/lenders-a-bankers) - [Advisors](http://www.helveticagroup.com/partners/advisors) - [Affiliates](http://www.helveticagroup.com/partners/affiliates) - [Bank REO](http://www.helveticagroup.com/bank-reo) # News & Deals ## [The Future of Crypto Wallets: A Pocket Full of Asset-Backed Tokens & Death to Fiat](https://blog.helveticagroup.com/the-future-of-crypto-wallets-a-pocket-full-of-asset-backed-tokens-death-to-fiat) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Nov 2, 2023 11:35:33 AM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/money%20burning%20Bitcoin%20emerging.png)](https://blog.helveticagroup.com/the-future-of-crypto-wallets-a-pocket-full-of-asset-backed-tokens-death-to-fiat) **DLT and crypto wallet adoption** The world of cryptocurrencies has evolved rapidly in recent years, and with it, the way we think about money and assets. The rise of blockchain technology and decentralized finance (DeFi) has brought us to the cusp of a financial revolution. The rise of crypto wallets and the potential they hold for tokenizing real assets poses the likely possibility of fiat currency becoming obsolete. [Read More](https://blog.helveticagroup.com/the-future-of-crypto-wallets-a-pocket-full-of-asset-backed-tokens-death-to-fiat) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/the-future-of-crypto-wallets-a-pocket-full-of-asset-backed-tokens-death-to-fiat#comments-listing) Topics: [Investing](https://blog.helveticagroup.com/topic/investing), [Fintech](https://blog.helveticagroup.com/topic/fintech), [Blockchain](https://blog.helveticagroup.com/topic/blockchain), [Insights](https://blog.helveticagroup.com/topic/insights) ## [Navigating a Banking Crisis: Protecting Your Deposits](https://blog.helveticagroup.com/navigating-a-banking-crisis-protecting-your-deposits) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Mar 19, 2023 2:46:37 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/2021-08-30-03-47-55.jpeg)](https://blog.helveticagroup.com/navigating-a-banking-crisis-protecting-your-deposits)   ## **Recent and Looming Bank Failures Require Diligent Monitoring** In light of recent bank failures and concerns including SVP, SilverGate Bank, Signature Bank, Western Alliance, First Republic Bank, and Credit Suisse , investors are now more aware of their banking relationships and the need to underwrite their bank's solvency, asset allocations and uninsured deposit ratios.  Many [Lessons of the Great Depression](https://www.politico.com/news/magazine/2023/03/18/fdr-would-hate-the-fix-to-todays-banking-crisis-00087657) have been ignored.    [Read More](https://blog.helveticagroup.com/navigating-a-banking-crisis-protecting-your-deposits) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/navigating-a-banking-crisis-protecting-your-deposits#comments-listing) Topics: [Banking](https://blog.helveticagroup.com/topic/banking), [Insights](https://blog.helveticagroup.com/topic/insights) ## [Lender Participation Loans Are Gaining in Popularity](https://blog.helveticagroup.com/lender-participation-loans-are-gaining-in-popularity) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Jan 28, 2023 4:57:05 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/real-estate-buildings-city-globe-jpeg.jpeg)](https://blog.helveticagroup.com/lender-participation-loans-are-gaining-in-popularity) Participation loans have been gaining popularity in recent years as a way for banks and financial institutions to increase their lending capacity, diversify their loan portfolio, and improve the creditworthiness of their borrowers. In this blog post, we will discuss the top 5 benefits of participation loans for banks and how they can help to increase profitability and reduce administrative costs. [Read More](https://blog.helveticagroup.com/lender-participation-loans-are-gaining-in-popularity) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/lender-participation-loans-are-gaining-in-popularity#comments-listing) Topics: [Bridge lending](https://blog.helveticagroup.com/topic/bridge-lending), [Banking](https://blog.helveticagroup.com/topic/banking), [Participation Loans](https://blog.helveticagroup.com/topic/participation-loans), [Insights](https://blog.helveticagroup.com/topic/insights) ## [Why Isn't Hemp Lumber at the Top of Green Policy Initiatives?](https://blog.helveticagroup.com/why-isnt-hemp-lumber-at-the-top-of-green-policy-initiatives) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Jan 15, 2023 4:46:47 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/04-90706461-is-hemp-the-future-of-sustainable.webp)](https://blog.helveticagroup.com/why-isnt-hemp-lumber-at-the-top-of-green-policy-initiatives)   With all the green initiatives and debate over climate change, this should be at the top of the list as the easiest, readily available and immediately impactful. Why is it not? Even a robot understands the Top 10 benefits of hemp lumber: [Read More](https://blog.helveticagroup.com/why-isnt-hemp-lumber-at-the-top-of-green-policy-initiatives) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/why-isnt-hemp-lumber-at-the-top-of-green-policy-initiatives#comments-listing) Topics: [Bridge lending](https://blog.helveticagroup.com/topic/bridge-lending), [Cannabis Lending](https://blog.helveticagroup.com/topic/cannabis-lending), [Insights](https://blog.helveticagroup.com/topic/insights) ## [Top 10 Reasons a Commercial Loan Submission is Rejected](https://blog.helveticagroup.com/top-10-reasons-a-commercial-loan-submission-is-rejected) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Jan 14, 2023 4:04:12 PM - [Tweet](https://twitter.com/share) [![](https://blogs.chapman.edu/wp-content/uploads/sites/42/2017/09/cropped-image-6.22.13-PM-700x410.jpeg)](https://blog.helveticagroup.com/top-10-reasons-a-commercial-loan-submission-is-rejected) When applying for a commercial real estate loan, there are several reasons why the loan may be rejected. Here are the top 10 reasons why a commercial real estate loan may be denied: 1. Insufficient credit history or [low credit score](https://blog.helveticagroup.com/sandiegoofficebridgeloan): Lenders will typically check the credit history of the borrower and co-borrowers, and a low credit score can be a red flag. 2. Lack of experience or insufficient assets: Lenders will also look at the borrower's experience in the real estate industry and their assets. If the borrower does not have enough experience or assets, the loan may be denied. [Read More](https://blog.helveticagroup.com/top-10-reasons-a-commercial-loan-submission-is-rejected) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/top-10-reasons-a-commercial-loan-submission-is-rejected#comments-listing) Topics: [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers), [1031X](https://blog.helveticagroup.com/topic/1031x), [Alternative Financing](https://blog.helveticagroup.com/topic/alternative-financing), [Bridge lending](https://blog.helveticagroup.com/topic/bridge-lending), [Bridge Loan](https://blog.helveticagroup.com/topic/bridge-loan), [fast closing](https://blog.helveticagroup.com/topic/fast-closing), [CRE](https://blog.helveticagroup.com/topic/cre), [Insights](https://blog.helveticagroup.com/topic/insights) ## [10 things a broker should include in a loan submission to a CRE lender?](https://blog.helveticagroup.com/10-things-a-broker-should-include-in-a-loan-submission-to-a-cre-lender) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Jan 14, 2023 3:49:47 PM - [Tweet](https://twitter.com/share) [![](https://costar.brightspotcdn.com/dims4/default/587360d/2147483647/strip/true/crop/822x462+0+43/resize/1200x675!/quality/90/?url=http%3A%2F%2Fcostar-brightspot.s3.amazonaws.com%2Fc4%2F4d%2F24bf5ffc4b30ac1ff788a3ce53c1%2Fgettyimages-494882168.jpg)](https://blog.helveticagroup.com/10-things-a-broker-should-include-in-a-loan-submission-to-a-cre-lender) When applying for a commercial real estate loan, it's important to make sure that you have all the necessary information to present to the lender. A well-prepared loan submission can increase your chances of being approved, and can make the process go more smoothly. Here are the top 10 things you should include in a commercial real estate loan submission to a lender: [Read More](https://blog.helveticagroup.com/10-things-a-broker-should-include-in-a-loan-submission-to-a-cre-lender) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/10-things-a-broker-should-include-in-a-loan-submission-to-a-cre-lender#comments-listing) Topics: [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers), [1031X](https://blog.helveticagroup.com/topic/1031x), [Bridge lending](https://blog.helveticagroup.com/topic/bridge-lending), [Bridge Loan](https://blog.helveticagroup.com/topic/bridge-loan), [CRE](https://blog.helveticagroup.com/topic/cre), [Insights](https://blog.helveticagroup.com/topic/insights) ## [CRE Vacancy Issues - Bridge Lending Can Help!](https://blog.helveticagroup.com/bridge_lending_for_properties_with_vacancy) Posted by [Jennifer Foster](https://blog.helveticagroup.com/author/jennifer-foster) on Feb 7, 2020 4:08:54 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/social-suggested-images/Instagram%20Post%20(Bank)%20(2).png)](https://blog.helveticagroup.com/bridge_lending_for_properties_with_vacancy) **Vacant buildings** have become a common issue in today's economy and an all too familiar reason for loan declines by traditional banks. Whether it be a multi-unit, a strip mall, apartment complex, or a property with a former big-box store attached, when buildings do not have full occupancy, they are just harder to finance. **Vacant properties** can also be linked to higher crime rates such as squatting, theft, and arson. When you are the owner of said buildings you don't want to be stuck in a spot where you watch your property decrease in value and lose money in the process, all because you can't obtain financing needed to get new tenants. **Why not consider a bridge loan?** Unlike a traditional loan, a bridge loan can step in immediately, bridging the gap between vacancies and fully occupied time frames! [Read More](https://blog.helveticagroup.com/bridge_lending_for_properties_with_vacancy) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/bridge_lending_for_properties_with_vacancy#comments-listing) Topics: [Rehab](https://blog.helveticagroup.com/topic/rehab), [Brokers](https://blog.helveticagroup.com/topic/brokers), [Investing](https://blog.helveticagroup.com/topic/investing), [Alternative Financing](https://blog.helveticagroup.com/topic/alternative-financing), [Low Occupancy Property](https://blog.helveticagroup.com/topic/low-occupancy-property), [Bridge lending](https://blog.helveticagroup.com/topic/bridge-lending), [Bridge Loan](https://blog.helveticagroup.com/topic/bridge-loan), [Insights](https://blog.helveticagroup.com/topic/insights) ## [Bridge Loans for Trust Buyout Financing to Preserve Low Property Tax Rates](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange-0) Posted by [helvetica](https://blog.helveticagroup.com/author/helvetica) on Dec 8, 2017 1:11:01 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/trust-trustee-tax-law-lawyer-solicitor-scotland-register-of-beneficial-interests.jpg)](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange-0)      Using a bridge loan to finance commercial real estate properties held in a trust is often the best option with competing beneficiary interests.  [Read More](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange-0) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange-0#comments-listing) Topics: [Brokers](https://blog.helveticagroup.com/topic/brokers), [Insights](https://blog.helveticagroup.com/topic/insights) ## [Using a Bridge Loan is Best Alternative to Fund a 1031 Exchange](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Nov 21, 2017 3:01:37 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/3.jpg)](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange) Using an alternative bridge lender for financing 1031 exchanges often provides the best solution.  This type of financing gives the most certainty for closing on time and is well worth the extra interest and fees that may be charged, when compared with the high taxes that could be incurred otherwise.    [Read More](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/using-a-bridge-loan-is-best-alternative-to-fund-a-1031-exchange#comments-listing) Topics: [Brokers](https://blog.helveticagroup.com/topic/brokers), [1031X](https://blog.helveticagroup.com/topic/1031x), [Insights](https://blog.helveticagroup.com/topic/insights) ## [The ONE Killer Loan Product Every Commercial Mortgage Broker Should Have](https://blog.helveticagroup.com/the-one-killer-loan-product-every-commercial-broker-should-have) Posted by [Jennifer Foster](https://blog.helveticagroup.com/author/jennifer-foster) on Nov 17, 2017 7:48:09 AM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/IT.jpg)](https://blog.helveticagroup.com/the-one-killer-loan-product-every-commercial-broker-should-have)   Every commercial real estate and mortgage broker needs to have an alternative lender in their arsenal of loan products.  Today, bank underwriting has [lost its reasoning](https://blog.helveticagroup.com/where-has-the-common-sense-gone-in-banks-lending-to-small-balance-commercial-loans): credit and debt service coverage are non-negotiable in loan approvals regardless of equity, liquidity, project viability or borrower networth.   Here are a bunch of reasons to use an Alternative CRE Lender: [Read More](https://blog.helveticagroup.com/the-one-killer-loan-product-every-commercial-broker-should-have) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/the-one-killer-loan-product-every-commercial-broker-should-have#comments-listing) Topics: [Brokers](https://blog.helveticagroup.com/topic/brokers), [Insights](https://blog.helveticagroup.com/topic/insights) [All posts](https://blog.helveticagroup.com/all) [Next](https://blog.helveticagroup.com/topic/insights/page/2) ### Get Deal Updates ### Recent Posts ### Posts by Topic - 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