Arthur L Pepperman II
Name
Arthur L Pepperman II
Company
CMS Funding, Division of Commercial Capital Ltd
E-mail
Contact Arthur L Pepperman II (CMS Funding, Division of Commercial Capital Ltd)
Website
http://cms-funding.com
Office Phone
(800) 381-9827
Alt. Phone
(860) 946-6637
Fax
(866) 610-7414
Address
37 Flanders Road, Woodbury, CT, 06798
Description
If you have a business goal, are experienced, have decent credit and a nice property, I’ll close your loan in weeks. Been doing it for 30+ years without frustrations, red tape and less restrictions.

About Us:

Arthur L Pepperman II, Consultant, Lender, Business Broker

I've been a corporate officer, entrepreneur, banking consultant and family owned business consultant. I have either made, or seen, just about every business mistake ever made.

Looking back, one prime aspect of business stands out above all and that is the business owner's constant need to create, or obtain capital, to grow a successful business. That is even more true in these extremely tough economic times.

Having been in the Commercial lending business over 35 years, I have lived and prospered through many cycles of boom and recession periods. Let me assure you, the direct lenders who work for me are not hampered by pst sins in underwriting the Commercial Market, thus they are ready, willing, able to lend on good Commercial Loan requests. 

As you probably know, many top Commercial Lenders are now gone, the Mega Banks aren't lending to Main Street at all and even most smaller local and regional Banks have put commercial lending on the back burner as they work off bad Development loans and rebuild their reserves.

Therefore, if you have a traditional Commercial Mortgage ballooning in 2010 or 2011, the odds are 30% to 50% of those mortgages "Will Not" be renewed by the present lender.Please understand how serious a non renewal can be to your business assets and lifestyle, ..... if you can't find another Lender to take out your present lender's Balloon demand.

50% to 60% of future commercial foreclosures will be caused by Bank Loan "Calls", due to Business Owners not having access to a second, willing to loan, lender when his/her Balloon becomes due!

Here are some suggestions to protect your assets and your business, if you have an upcoming "Ballooning Commercial Mortgage":

  • Ask your present Lender NOW.... for a "written" commitment to renew your present loan NOW!
  • If your Lender refuses to positively commit "in writing", apply to CMS Funding for a 2nd Lender immediately
  • We will pre-underwrite loan request and shop it to our willing pool of niche lenders that best fits your type of loan
  • If we can't get you a willing 2nd lender, then chances are your circumstances preclude any lender from lending to you in this depressed market
  • If present circumstances preclude a 2nd lender, we will refer you to our in house "Commercial Improvement Division"to negotiate a "Loan Modification" with your original lender that usually results, if successful, in a win/win for both Borrower and Lender.

For more information on our "Commercial Improvement" (commercial loan modification) prgram, go to our website, cms-funding.com, then click on the "Information Center" on the Home Page and then click on "Refinancing 3 - Commercial Improvement.

Here are a few of our virtually direct lending programs that we are offering today!
                  

Very Small Balance Commercial Mortgages:

$100,000 to $500,000: Max LTV 65% -70%, DSCR 1.25, Fixed for 25 years, 3 Year Prepayment Penalty, Min Credit 600. Use for Purchase - Cash Out - or Rate & Term

Funding for Purchasing A Franchise:

Many "Franchisors" have lost their normal financing sources. We have lenders ectatic to lend to qualified entrepeneurs for purchasing nationally know franchises. If you need "start up" financing for your new franchised business, we can make put you in business.

Borrow from your IRA/401K, W/O Tax Problems:

Did you know you can borrow from your IRA/401K for business purposes and pay yourself interest (instead of Bankers) without tax penalties? Use your own saved funds for purchasing a business or income producing real estate, refinancing a business or personal loan or to pay down expensive short term, high cost, debts. Why pay interest to the banks, when you can pay to yourself to earn more money to retire on? Eureka!

Office, Retail, Light Industrial:

Mortgage loans from as low as $300,000 to $7 Million, LTV's to 75%, 80% for refi's. 60% LTV for Investment properties, Fixed Rates, DSCR 1.25, 20 to 25 year Amortizations, Min credit 650 Conventional financing, not SBA.

Multifamily Mortgages:

Mortgages from $500,000 to $5, Million Max LTV Purchase 75%, DSCR 1.25, Am 25 to 30 year, Min credit 680 Limited cash out . Caveat: Population of metro area will be important! Property must be in a Major city. Owner Occupied Mortgage Loans:

Owner Occupied Mortgage Loans:

Too many loan conventional loan options to list, starting at $500,000, LTV's from 65% - 75%, DSCR 1.20, Am 20 - 25 year, Min credit 650, Use for Purchase, Rate & Term Refinancing and Limited Cash Out for justifiable business purposes.

Flagged Hotel:

Mortgage loan starting at $1Million, Max LTV 55% - 60%%, DSCR 1.25, Am 25 year, Min credit 650. Use for Purchase and/or Rate & Term. Hotel loans are almost nonexistent, act now before the lender joins the crowd.

Bridge Loans:

Need funding to pruchase or restore a distressed property and have a solid exixt plan, then Bridge loan financing may be your ticket to building your real estate portfolio. Consider Bridge loans as semi hard money, starting at $1 Million. If you are experienced, liquid, have done your homework and can prove it, we can probably hook you up.

SBA 504:

Min $250,000 to $5 Million, Owner Occupied Real Estate Purchases only. Everybody says they can do these loans and then jerk you around. We don't, and do them quickly.

SBA 7a: Greatest Government guaranteed program available, coveres most property types, virtual 100% financing. Owner Occupied only for Purchase, Construction, Renovation and/or Refinance. Loans from $150,000 to $ Million, soon to be $5 million and we do them quickly.

USDA Business & Industrial:

If your business is in a rural area, a town with less than 50,000 population, this loan is the answer when your Bank says no! Loans start at $300,000, up to $10 Million. Fabulous program for owner purchase, machinery, equipment, FF&E and working capital in one package. Must have 10% tangible net worth in the business, 20% if a start up, so check your Balance Sheet!

Construction and Development Loans:

We have an exremely hot lender that will do construction and developments loans to $10 Million, at below 70% loan to cost. Must have excellent package, credentials and successful experience. This door will probable not be open very long, so contact us ASAP.

There is no credit crunch at CMS Funding! Call Arthur at 860-946-6637

Borrowers - Be Prepared

Experienced borrowers already know this, however if you are an occasional, or new, commercial borrower, the following will save you much valuable time and frustration while vastly improving your chances for a successful commercial funding.

In this example, we will assume you need a commercial mortgage, whether for purchase, a rate and term refinance or a cash out refinance, please be prepared as follows:

Obtain a Tri-Merge Credit Report or call us for a free one.

Prepare an up to date Personal Financial Statement. Be honest, include the good, bad and the ugly, if applicable.

Have copies of the last 2 years Corporate and Personal Tax Returns available

Have a YTD P & L and Balance Sheet at the ready, either yours or the Seller's, if purchasing.

Have your, or the Seller's, Rent Roll and property expenses up to date and accurate.

Have a two paragraph Executive Summary, if only in your head, ready to communicate your goals, needs and expectations.

Don't ask for, or expect, an interest rate "Quote" in the first conversation!

Do the above and the good news is:

If you are prepared, and communicative, the chances are that we can do some preliminary underwriting on your loan request, find the proper lender in your circumstances and in 24 to 48 hours get back to you with a written "Letter of Intent" (LOI) to do your loan within your time frame to close!

Your LOI will contain all the pertinent information such as rate, term, monthly payment and terms and condition for you to make an intelligent and informed decision of whether the Lender's offer meets your ROI needs and bottom line expectations. 

By following this simple preparedness formula, you put yourself in the driver's seat.

To be ill prepared is a dis-service to your own business and to us whose only mission is to see you obtain the loan you desire.

Understand that the first preliminary underwriting may show weaknesses in your loan request that will preclude us from obtaining a LOI for you. By being prepared as outlined above, your information may very well lead us to suggestions to improve your package to be acceptable so an LOI can become available.

It is far better to learn correctable bad news from us first than to waste months shopping a loan that is fatally flawed from the git go.

An educated, or educable, borrower always wins over time.

Testimonials

When my bank wanted my small motel property for a bank branch, I refused to sell. They then used a technical clause in my mortgage agreement to foreclose. No one could help me until Arthur rode in on his white horse. He held off foreclosure, found new financing, saved my motel business and allowed me to pass on the property value to my children and grandchildren. I have aptly dubbed him "St Arthur"

Evelyn H Lee, Williamsburg VA

When my bank could not refinance my commercial mortgage, they referred me to Arthur Pepperman. Having dealt with other mortgage broker before, I have to say Mr. Pepperman is in another league. He immediately recognized the problems I was having and put together a loan package where everybody wins.  I highly recommend this outstanding man.

Thomas Scorda, Lake Wales FL.

I had a $5,000,000 construction mortgage for a medical building that needed to be converted into a permanent mortgage.  My bank was being purchased by a larger bank that didn't want to do the take out loan. I had never had problems getting take out loans before, but because my bank didn't want the loan, neither did any others. I asked the out going President for help and he recommended Arthur L Pepperman II. Within two months, Arthur did the job and at a better rate than I ever expected. This man really earns his fee.

John Sullivan, Manchester, NH

We do appreciate the drive, professionalism and guidance that Arthur portrayed in our attempt to correct the many mistakes made by our current "BROKER". Our situation would definitely be different if we had found his company earlier. Arthur, it has been a privilege working with you!

Bill Phillips, Collierville,TN