--- title: Blog | Loans description: Loans | 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 ## [Unlocking Opportunities in a Tight Credit Market: Private Money is Sexy Again!](https://blog.helveticagroup.com/private_money_sexy_again) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Jul 28, 2023 11:18:13 AM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/Private%20Money%20is%20Sexy%20Again!.png)](https://blog.helveticagroup.com/private_money_sexy_again) Private Money Is Sexy Again: The Rise in Importance Amid Credit Tightening, Bank Liquidity Crisis, and Securitization Market Shutdown In the wake of recent economic challenges, the landscape of finance has witnessed a dramatic shift. With the tightening of credit, a bank liquidity crisis, and the shutdown of securitization markets, private money has reemerged as a compelling and enticing alternative. In this article, we delve into the factors contributing to the renewed allure of private money and the implications it holds for the financial ecosystem. [Read More](https://blog.helveticagroup.com/private_money_sexy_again) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/private_money_sexy_again#comments-listing) Topics: [Fix and Flip](https://blog.helveticagroup.com/topic/fix-and-flip), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers), [NNN](https://blog.helveticagroup.com/topic/nnn), [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), [Bad Credit](https://blog.helveticagroup.com/topic/bad-credit), [Credit Challenge](https://blog.helveticagroup.com/topic/credit-challenge) ## [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) ## [HELVETICA FUNDED LOAN | $1.55M 1031X PURCHASE LOAN, DOLLAR GENERAL NNN, TX](https://blog.helveticagroup.com/sanfran-mfd-082019-0) Posted by [Jaden Jeter](https://blog.helveticagroup.com/author/jaden-jeter) on Jul 5, 2020 8:54:51 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/BuildingPhoto%20(2).jpg)](https://blog.helveticagroup.com/sanfran-mfd-082019-0)     VARIOUS LOCATIONS, TX -  Helvetica Group worked with broker Marcus & Millichap to provide purchase financing for the acquisition of a 3 store, Dollar General NNN portfolio. This bridge loan helped their client meet a 1031 exchange, hard closing date and avoid a large tax liability.  The loan was for 12 months and did not have a prepayment penalty.    Despite some temporary credit challenges, Helvetica was able to fund this loan in the middle of the COVID pandemic while banks and institutions were temporarily closed to new funding.      [Read More](https://blog.helveticagroup.com/sanfran-mfd-082019-0) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/sanfran-mfd-082019-0#comments-listing) Topics: [Deals](https://blog.helveticagroup.com/topic/deals), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers), [1031X](https://blog.helveticagroup.com/topic/1031x) ## [HELVETICA FUNDED LOAN | $2.75MM CONSTRUCTION TAKEOUT/MULTI FAMILY, SAN FRANCISCO, CA](https://blog.helveticagroup.com/sanfran-mfd-082019) Posted by [Jaden Jeter](https://blog.helveticagroup.com/author/jaden-jeter) on Oct 2, 2019 2:23:46 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/Copy%20of%20Deal%20Posts%20for%20Twitter%203%20(2).png)](https://blog.helveticagroup.com/sanfran-mfd-082019)     SAN FRANCISCO, CA - The Helvetica Group, originated a cash out loan for a recently completed construction of a new multifamily property that was rented with short-term, AirBnb tenants. The borrower was previously turned down by 3 banks.  Helvetica worked with a broker to source a three-year, fixed-rate loan at 5.35%.  The borrower was given an interest-only option for the first two years to help with early cash flow and to support a strategy to sell the property within 3 years. The loan was underwritten using higher AirBnb rents and with limited seasoning.   The complex nature of the multi-family property being used for AirBnB rentals, the need for a quick close, and limited seasoning prevented this borrower from obtaining a bank loan.   [Read More](https://blog.helveticagroup.com/sanfran-mfd-082019) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/sanfran-mfd-082019#comments-listing) Topics: [Deals](https://blog.helveticagroup.com/topic/deals), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers) ## [HELVETICA FUNDED LOAN | $1MM CASH OUT LOAN, MIXED COLLATERAL, PACIFIC GROVE, CA](https://blog.helveticagroup.com/holman-pacificgrove) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Aug 13, 2019 4:58:10 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/Copy%20of%20Deal%20Posts%20for%20Twitter%203%20(1).png)](https://blog.helveticagroup.com/holman-pacificgrove)     PACIFIC GROVE, CA - The Helvetica Group, originated a cash out loan secured by mixed collateral including real estate and chattel to enable the borrower to pay for tenant improvements required for a new lease.   The collateral included a lien on the ownership interests in a newly renovated building in Pacific Grove that was adapted from an old iconic department store known as the Holman Building, to new luxury ocean view condos.  The loan was also secured by ownership interests in an industrial building located in Oakland, CA across from the Colosseum.  In addition, the loan was secured by a junior trust deed on an office building in San Diego, CA.     The complex nature of the mixed collateral, the need for a quick close, the lack of income documentation and vacancy, prevented this borrower from obtaining a bank loan.   [Read More](https://blog.helveticagroup.com/holman-pacificgrove) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/holman-pacificgrove#comments-listing) Topics: [Deals](https://blog.helveticagroup.com/topic/deals), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers) ## [HELVETICA FUNDED LOAN | $5.2MM REFINANCE LOAN, OFFICE BUILDING IN DOWNTOWN BALTIMORE, MD](https://blog.helveticagroup.com/courtsquare-baltimore) Posted by [Jaden Jeter](https://blog.helveticagroup.com/author/jaden-jeter) on Jun 20, 2019 12:28:59 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/Copy%20of%20Deal%20Posts%20for%20Twitter%20(2).png)](https://blog.helveticagroup.com/courtsquare-baltimore)     BALTIMORE, MD  - Jaden Jeter with The Helvetica Group, originated a refinance loan secured by an office building in downtown Baltimore, MD just one short block from the courthouse. The borrower will use the loan to pay off current debt and provide a bridge to a construction loan to re-purpose the building as mixed use, including retail, hospitality, and office. High vacancy, short term leases, and time constraints prevented the borrower from obtaining a bank loan. [Read More](https://blog.helveticagroup.com/courtsquare-baltimore) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/courtsquare-baltimore#comments-listing) Topics: [Deals](https://blog.helveticagroup.com/topic/deals), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers) ## [HELVETICA FUNDED LOAN | $3.38MM PURCHASE LOAN, OFFICE CANNABIS DISPENSARY IN SAN DIEGO, CA](https://blog.helveticagroup.com/medmen-convoy) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Mar 24, 2019 7:50:25 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/521918%20MedMen%20SanDiego-1.png)](https://blog.helveticagroup.com/medmen-convoy)     SAN DIEGO, CA   - Helvetica funded a $3,380,000 purchase loan secured by an office building in San Diego, CA.   The property was occupied by a licensed cannabis dispensary.   The borrower was a multi-state cannabis operator soon to be listed on the Canadian Stock Exchange.  A complicated corporate structure, large net losses, and cannabis dispensary use prevented this borrower from obtaining bank financing.   [Read More](https://blog.helveticagroup.com/medmen-convoy) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/medmen-convoy#comments-listing) Topics: [Deals](https://blog.helveticagroup.com/topic/deals), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers) ## [HELVETICA FUNDED LOAN | $1.1M QUICK REFINANCE OF MATURING LOAN IN NORTH BEND, WA](https://blog.helveticagroup.com/northbendwa) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Mar 6, 2019 2:00:18 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/551418%20Fujii%20NorthBend%20WA.png)](https://blog.helveticagroup.com/northbendwa)     NORTH BEND, WA   - Helvetica funded a $1,100,000 bridge loan secured by a strip retail center in North Bend, WA.  The borrower  needed a **quick close** to payoff a** matured loan** and get cash out to pay for improvements on another property owned.  The property was 100% occupied.   Excessive bank paperwork, prepayment limitations and time constraints prevented the borrower from obtaining a conventional loan.   [Read More](https://blog.helveticagroup.com/northbendwa) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/northbendwa#comments-listing) Topics: [Deals](https://blog.helveticagroup.com/topic/deals), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers), [retail](https://blog.helveticagroup.com/topic/retail) ## [HELVETICA FUNDED LOAN | $2.4MM REFINANCE OF VACANT, LUXURY HOME IN NORWALK CT](https://blog.helveticagroup.com/norwalkct) Posted by [Chad Mestler](https://blog.helveticagroup.com/author/chad-mestler) on Aug 16, 2018 4:57:59 PM - [Tweet](https://twitter.com/share) [![](https://blog.helveticagroup.com/hubfs/538118%20Ripley%20Norwalk%20CT-1.png)](https://blog.helveticagroup.com/norwalkct)     NORWALK, CT   - Helvetica funded a $2,400,000 bridge loan secured by a  luxury single family home, in a private coastal community in Norwalk, CT.  The borrower  needed a **quick close** to payoff a **defaulted loan** and get cash out to pay for recent renovation expenses.  The property was vacant and listed for sale.   Inconsistent income, a loan default, poor credit and vacancy prevented this borrower from getting bank financing.   [Read More](https://blog.helveticagroup.com/norwalkct) 0 Comments [Click here to read/write comments](https://blog.helveticagroup.com/norwalkct#comments-listing) Topics: [Deals](https://blog.helveticagroup.com/topic/deals), [Loans](https://blog.helveticagroup.com/topic/loans), [Brokers](https://blog.helveticagroup.com/topic/brokers) [All posts](https://blog.helveticagroup.com/all) [Next](https://blog.helveticagroup.com/topic/loans/page/2) ### Get Deal Updates ### Recent Posts ### Posts by Topic - 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