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Santa Barbara Commercial Fund
Clients
CLIENT VALUE
PROPOSITION
Santa Barbara Commercial Fund clients are sophisticated commercial & residential real estate investors & developers, small business owners, entrepreneurs, irrevocable trusts, and various business entities.
UNDERWRITING
“In House” underwriting, loan documentation & servicing, including construction draw/inspection management. We know our clients and they have access to timely decision-making/funding.
REFINANCING
Refinancing Assistance. Ability to assist borrowers in structuring/positioning their long-term projects for the best possible financing sources.
FLEXIBILITY
REPORTING
Relevant financial reporting & reasonable 3rd party reports/reviews. Due diligence is driven by mitigating identified risks to SBCFund investors vs. banking regulations.
TIME
Decision-making and timeliness. Ability to close in 3-5 business days.
Flexible loan structuring to suit capital/cash flow needs. Typically interest only repayment terms with principal balloon payments. Ability to tailor loan repayment structure to repayment sources.
CASH OUT
“Cash Out” re-financings. This is typically an area Bank’s are hesitant to meet borrower’s needs. SBCFund can provide a bridge with “Cash out” financing which the borrower can refinance into permanent financing upon stabilization, etc. Willing to continue with subordinate 2nd Trust Deeds to approved senior bank financing.
CONSISTENCY
Consistent lending in up & down markets. Underwriting to cash flow & collateral which is different than just collateral based lenders a similar lending concept to community bankers'.
CONTACT
Contact SBCFund today and get first hand on how we operate & value our clientele.
Stategic Structure
CAPITAL & LOANS
STRATEGIC STRUCTURE
Loans
Payments
Returns
Investments
Payments
Returns
Investments
Loans
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Management/Experience
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Overhead/Talent
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Compliance/Counsel
Loans & Capital
Clients
Loans
Investors
Capital
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