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The Five Cs of Small Business Real Estate Financing: Character…

Mortgage and Lending with Mercantile Capital Corporation

From time to time, I think it’s helpful to go over the basics of what we do here at Mercantile Capital Corporation. Small business owners and their advisors choose to work with us because we make the process of purchasing commercial real estate simple. I’m not saying that commercial real estate financing is a simple process, but we do the heavy lifting and sausage-making (so to speak) so that our clients can focus on other important things (like running their businesses).

Earlier this month, I spoke at the Annual Conference of the America’s Small Business Development Center network (ASBDC). I was part of a panel of industry experts tasked with addressing the latest opportunities and challenges facing small business owners. My friend, Bob Coleman, moderated the panel, and afterward we talked a bit about one of the Five Cs of Credit: Character.

The Five Cs is sort of a general topic in banking and lending, but things have changed a great deal since the Great Recession and the credit crisis that has plagued many small business owners. Watch the video below to hear the specifics of what Mercantile Capital Corporation looks for in a borrower when it comes to character.


If you know other small business owners who are looking for resources like this — maybe you have small business owners as clients — please share this with them. This is the first in a series about the Five Cs of Credit, so stay tuned for more in the near future.

And if you or someone you know if ready to purchase commercial property for a small business, call me at 1-866-622-4504 or email me at ChrisHurn@mercantilecc.com and we’ll get to work on your project right away.

Thanks for reading and sharing!

- Chris

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