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Americap Direct Group:
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Brokers and Consultants welcome!
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Americap Direct offers top pay for qualified loans. We welcome, protect and pay high referral fees, up to 3% of the loan amount. You can access your designated loan agent five days per week and email correspondence acknowledge within 24 hours. We will facilitate and offer practical funding solution to your Client at no charge.
We offer monthly training to our partner Brokers, consultants regarding the latest commercial loan products. Training for marketing, maximizing income, and learn the best practice. 
As a mortgage broker or lender, you work with a variety of clients interested in buying or refinancing residential and commercial real estate. Many you can help through traditional lenders, some will require a more specialized approach. Maybe the loan doesn’t fit your program or your lending capacity is preoccupied in other transactions, but you still want to make a deal happen for the benefit of yourself and your client.

Whether you’re a hard money lender yourself, a mortgage broker, or a banker, at Americap Direct, when you partner with us you will be part of our close family of loan originators. Your client is your client, but we will get the job done with the same level of speed and care that we give to our own direct clients. Our reputation in cooperating with other brokers is the heart of our business, and it allows us to create a broader loan program so we can be your hard money lender of choice.

Tired of wondering where to send your turn downs? Does your bank have lending parameters that are too tight? Are you unsure where you can send your clients that have nowhere else to go? We love working with professional brokers and lenders that have clients that would normally get a conventional loan but now, due to tighter restrictions, have to use a bridge loan or a hard money loan.

We structure loans to provide your client with the time they need to get their balance sheet, tax returns, or other financials back in line to qualify for that long term financing they’re looking for. Do you have a client trying to buy a steal of a property or a dream property that finally came to market for their business, but it doesn’t qualify? If the equity is there, we are the lender that wants to make that loan.
Join the million dollar club at "AMD"
Benefit of AMD Broker or Consultant.

  • Free training
  • Top referral fee and Commission pay
  • Term sheet within 48 hours for approved projects
  • Top priority for underwriting and loan processing.
  • Multiple offers from Americap Direct and Network Investors  
  • Leads available
  • Americap direct's email, phone number, and address.






Small Balance Multifamily Hits New High in 2017
Aided by growth in agency lending and refinancing activity, the volume of new multifamily loans with balances between $1 million and $5 million reached $49.8 billion during 2017. While the broader real estate market has shown signs of softness, small balance investment activity and liquidity seems fairly insulated.

Though small balance cap rates have increased only slightly from the cyclical lows of 2016, Chandan Economics’ projections for benchmark interest rates point to upward pressure on yields over the coming year.
Explore charts and insights on the small balance multifamily sector, including:
Estimated Small Balance Multifamily Origination Volume
Estimated YoY Change in Small Balance Multifamily Origination Volume
Cap Rates
Debt Yields
Interest Rates
Broker News

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Americap Direct Forms:
Commercial loan application:                                                                  Oil and Gas program:                                                             Proof of funds application:



AMD Bond loan program:                                                                          Broker fee agreement:                                                                      Let us structure your deals:


AMD Loan submission form:                                                                  
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How to Become Broker for Commercial Loan

Step 1-Call Americap Direct/ Ask for John Devinci 

To become a commercial loan broker and offer loans to businesses in need of financing. Commercials loans are available for multifamily and mixed-use properties, offices, retail buildings, warehouses, mobile home parks, self-storage properties, hospitality properties, day care centers, restaurants, golf courses and several others. Offer non-real estate loans to qualified businesses that have good-quality receivables or sufficient assets, allowing businesses to buy equipment and inventory and cover other business expenses. Commercial loan brokers are also known as commercial loan consultants, who offer both commercial real estate loans and non-real estate business loans.

Preparation

Check state licensing requirements prior to originating and brokering commercial real estate loans. Most states do not require commercial brokers to be licensed for either real estate or non-real estate loans. For commercial real estate broker requirements, go to integritymortgagelicensing.com; on the left side click on “Mortgage Licensing Requirements by Type,” then scroll down and click “Commercial Loan Licensing States” and view the appropriate state. If your state requires commercial brokers to be licensed, go to thomas-law.com/mtgbrokers.html to apply for your license.

Sign up with Americap Direct, we will use our direct lenders for conventional, hard money, construction and alternative funding commercial loans. Broker form

Prepare a fee agreement in order to properly broker commercial loans with Americap Direct. Have an “Agreement for Financial Services” in place with your client. Address your exclusive right to represent, the borrower’s duties and responsibilities, the consultant’s (broker) duties, any disclosures, upfront application fee, consultant fee, noncircumvention agreement, and arbitration of disputes. State in your agreement that the upfront application fee does not include third-party fees such as an appraisal or inspections.

Know how to price your services. Americap Direct will charge only consulting fee, application and processing  fee of $7,500 to $32,500 at the time of application, depending on the scope of the work. Charge a consultant fee of .5 percent to 1.0 percent of the loan amount, which is due at closing. Generally the higher the loan amount, the lower percentage you charge for a consultant fee. Add an additional 1 percent if you use a private money lender.

Getting Ready for Clients

Know what documents to collect from the borrower. Interview the borrower using a standard residential loan application. Run a credit report and collect two years of tax returns, three years of operating statements, personal financial statements and rent rolls, if applicable. Obtain the borrower’s list of assets and accounts receivable when applying for a non-real estate loan. Generally, you can obtain a loan application form and other templates on lenders’ websites. Use americap direct's loan submission form

Understand the process. Prequalify the deal using the lender’s loan request form or prequalification sheet; fax this along with the loan application and credit report to the lender. Lenders evaluate the collateral, assets or receivables; it is the most important factor in a commercial or business loan. After a preapproval is issued and you have collected documents from the borrower, prepare a file and send it to the lender. For real estate-related loans, the lender orders the appraisal and any inspections. Closing a small commercial loan takes about two months; larger commercial loans can take anywhere between four and six months.

Start marketing and advertising. Hire a few loan officers to originate the loans or choose to do it yourself. Place a classified ad offering commercial loans, visit local Realtors and send a letter or email to your friends and family. Ask for referrals from anyone you come in contact with. Hire a telemarketer to call on local businesses and offer financing for equipment or inventory.
New for 2018, fast SBA funding and 1.50.% split payout
                                                A few highlights:

·         We’ve shifted our relationship management model to reward the partners who are ultimately sourcing the deals that we’re funding.  As a result, we’re able to share more through Referral Fees, up to 1.5% of the gross loan amount to Broker.

·         We’ve become hyper-focused on our speed and transparency, ensuring that every partner and borrower that we work with walks away feeling as though they had a best-in-class experience with us.

Look forward to staying in touch and moving some deals forward! Feel free to reach out with any questions and please do not hesitate to send over a deal and we can provide a quick yes or no on our abilities to move forward.


 SBA & Real Estate Lending Program

                                                    Background

Our direct bank source  is a national originator and acquirer of real estate based small business loans.  Through our unique and agile structure, we leverage our experienced team and robust balance sheet to offer speed, certainty of execution, and creativity in getting a variety of small business real estate deals done that other banks and non-banks simply cannot.

                                           Deal ‘Sweet Spot’

·         We look to fund deals where there is a real estate component involved (aside from ‘ground up’ construction, which we do not do)
o   We have had particular success with the industries below, but we certainly lend well beyond them.  We will reviewany deal that involves owner-occupied real estate.
·         Typically, we’ve gravitated toward industries where real estate collateral is present but that might be viewed less favorably by other lenders including:
1.       Hotels/Lodging
2.       Gas Stations
3.       Convenience Stores
4.       Car Washes
5.       Assisted Living
6.       Self-Storage
7.       RV Parks & Campgrounds

                             Our loan sizes = $350,000 to $5,000,000

                                                            Fees & Rates
·         We have the ability to pay market-leading referral fees (up to 1.5% of the gross loan amount to Broker and 1.5% to AMD) to our most successful referral partnerships.
·         The interest rates charged to our borrowers are typically variable and are tied to the WSJ Prime Rate (currently 4.25%*) + 1.50% to 2.75% = 5.75% to 7.00%.  The ultimate rate depends on the credit quality of the borrower following underwriting.


We offer two broker programs
 Broker agreement/Application/Fraud disclosure: 

Download

Call today to discuss our broker option or download the broker form above

1) Transaction Advisor (T/A/):

Under this program you bring us your commercial property loan leads and we work together from there to close. Generally you handle the majority of the client relationship we assist with lender relationships, the loan sizing, negotiations with lenders, processing, underwriting and closing. You get a happy client, you get to learn more about the commercial lending process and we write you a check when the loan closes. Payment is based on actual closings and is calculated as follows: 

•  You get 50% of all commissions and yield spread premiums on every lead of yours that we close.

•  You get an additional 5% of all commissions and yield spread premiums on every lead of yours that we close in excess of 2 per month

You are provided Americap's email address, phone number and profile on our website. 1099 Advisor. Comission only. 
2) Lead referral Advisor:

You bring us your commercial property loan leads and we take it from there. Under this program you just hand them off and we make sure that your client is happy, handle the loan sizing, negotiations with lenders, processing, underwriting and closing. You get a happy client and we write you a check or wire funds when the loan closes. Earnings are based on actual closings and are calculated as follows:

•  You get 10% of all commissions and yield spread premiums on every lead of yours that we close.

•  You get an additional 1.5% of all commissions and yield spread premiums on every lead of yours that we close in excess of 2 per month


​1099 Advisor

Business Loan Broker and AdvisorTraining 

Steps To Becoming A Successful Business Loan Broker or 1099 Independent Advisor for Americap Direct (AMD)

 At its heart, a business loan broker is someone who is able to being borrowers and lenders together to form an agreement. Part diplomat, part banker, part business person, and part negotiator – a business loan broker has one foot in the private sector and another in the world of finance. However, there is a lot that goes into being a business loan broker before any deals can be made.

Education Requirements For Business Loan Brokers

It is not uncommon for business loan brokers to break into the business with a GED or high school diploma. But, if you are looking to expand your scope and work with brokering mortgages or commercial loans, then a four-year bachelor’s degree in either business, finance, economics, communications, or psychology is required. The knowledge gained in these courses will go a long way in analyzing financial statements, negotiating deals, and steering conversations toward lucrative agreements. It also does not hurt to have a basic background in accounting and banking in order to match clients with the right type of financing.

Business Loan Broker Skills

Outside of the classroom and books, there are “soft skills” a business loan broker needs to be successful. Business loan brokers need interpersonal skills to not only speak professionally and deal with clients across a wide range of backgrounds, but to also help them fill out the correct paperwork, and answer their questions completely and with confidence. Loan brokers also need drive and initiative. They need to be able to spot people in need of business finance, and to think critically about what type of loan would work best for each client’s goals and current financial situation. It also cannot be stressed enough that a business loan broker should be able to make quick (and accurate) decisions, and have competent financial literacy to quickly evaluate the financial information supplied by your clients.

Business Finance Broker Training

Much like bank loan officers, business loan brokers must go through financial loan broker training to learn mathematical analysis skills, as well a business networking. Sometimes companies will sponsor refresher courses or training initiatives, which can certainly take a bit of the burden off of the cost of classes. It should be noted that certain states have specific qualifications that need to be met – usually regarding prior experience and (in some cases) criminal convictions. At the end of training, a test is issued, and after passing you will be able to get a license for our profession, just as a Loan Originator. As with other fields, licenses and certifications increase your chances for employment.

Broker Experience

Securing a job as a business loan broker is easier if you have experience working in sales, lending, banking, or customer service. In order to cut your teeth in the finance industry, taking on internships (even if they are part-time) at banks and brokerage firm will greatly build up your resume and make your CV very attractive to employers. Many employers are also willing to put new business loan brokers on a training period to help them use their learned skills in real life situations. After the trial period, your employer will let you work on independent deals and projects, to see how well you perform in counseling clients, evaluating loan applications and analyzing financial statements.

The Benefits Of Being A Business Loan Broker

Business loan brokers can work for a brokerage firm, or they can strike out on their own and act as independent agents – getting hired by businesses that require specialized types of financing. Instead of going to lenders directly, businesses with hire business loan brokers to seek out lenders with the cash reserves and loan programs to fulfill their needs, and act as liaisons in negotiating the entire deal. On the other side of the coin, lenders are always on the lookout for business finance brokers to bring clients their way. In essence, business loan brokers with the initiative and drive to work with both lenders and businesses can make a very lucrative salary by sending opportunities in the right direction.

Earning Opportunities For Business Finance Brokers

Most business loan brokers are paid in the form of a flat rate fee, or a percentage of the deals they are helping to arrange, plus any residual fees built into the agreement. Some lenders offer commissions which are scaled to the size of the lending agreements, while individual businesses are more inclined to hire brokers if their fees do not make the overall amount too prohibitive. Most independent business loan brokers have more leeway in adjusting their fees up or down than those brokers employed by brokerage firms.

Striking Out On Your Own

The world of commercial finance offers a wide array of lending products for businesses and commercial real estate investors in need of money. Business loan brokers who prefer to work on their own might want to consider opening their own businesses and start making inroads with commercial lenders, as well as bringing over previous clients to help build their own portfolio without the lion’s share going to the brokerage firm.

Putting Numbers In Perspective
A business finance broker needs to be able to look beyond the bottom line. Offering only numbers is something that traditional brokerage firms do, and a lot of time is leads to deals that end up falling through the floor, because the amount of money a business needs often has little to do with why they need it or the reasons their current financial situation is the way it is. Independent brokers need to look at the full context of the needs and goals of clients. Similarly, lenders – while more focused on the dollar amounts – also need to know the full story as to why your clients present certain financials, what they need, and why they are seeking certain funding. This gives you and the lenders the ability to come up with alternative solutions in case the clients do not qualify for their initial funding requests. Experienced independent brokers treat their clients as partners, because they understand that their success and ability to get the funding they need translates good revenue for the broker.

Commercial Business Loan Brokers Do More Than Just Arrange Loans

Independent commercial business loan brokers do so much more than arrange loans between businesses and lenders. Brokers also work with entrepreneurs to refinance existing debt, arrange financing and leasing agreements for equipment, helping new business owners launch their startups and franchises, and even collect revenue from outstanding accounts for entrepreneurs. Businesses and investors look to finance loan brokers because they have the depth of knowledge to find the right type of financing to fit the situation at hand, and can present alternatives to conventional loans because there is no “one size fits all” solution when it comes to businesses. Every business is unique, and each business needs financing tailored to their circumstances and goals.

Independent Loan Brokers Have More Personal Freedom

As discussed earlier, business loan brokers have more freedom when it comes to their rates and the size of deals they can arrange. Similarly, independent brokers enjoy more freedom in their personal lives than those working for banks and firms. Frequently, brokers working for firms cannot explore or enjoy their passions, because most of their time is spent poring over financial statements and running between clients and the chain of command at their own brokerage firms. Independent business loan brokers, by contrast, can choose to work as much or as little as they want. Between residual revenue from smaller deals on up to those sizable agreements which can net tens of thousand of dollars at a clip, independent brokers can make their own schedules and pick their clients, rather than constantly pounding the pavement and spending late nights and weekends trying to make the numbers work for a small commission.

How To Start A Loan Broker Business

If you have ever been interested about how to start a loan broker business, consider our program. AMD gives people the complete training and tools they need to become fully-fledged independent business loan brokers. Additionally, AMD will introduce you to our board of lenders, so you can offer your clients a wide array of financing solutions to fit every need.
Our lenders can provide everything from factoring services on up to equipment financing, CMBS loans, financing for large ground-up construction projects, SBA loans and much more. AMD will give you the opportunity to run your own business, and work the hours you want. Additionally, we will provide marketing and branding for your independent operation, plus around the clock support so you will never be caught without an answer or solution for your clients.

Our board of lenders and network of finance professionals have the decades of experience. AMD offers a recession-proof business model that allows you to eliminate getting a smaller commission from working for a brokerage firm, and instead get the rates and unlimited earning potential you deserve.
If you would like an all-in-one opportunity to get the training your need to be a commercial business loan broker, the independence of running your own company and setting your own hours, plus the full support of financial experts.

Proof of funds Broker can earn top pay

$$$ Broker Rewards for originating: BG ,SBLC ,DLC, POF Client Referrals $$$


Americap Direct will pay top dollars for verified applicants seeking Proof of funds service. We provide BG,SBLC,DLC, MT799MT760 alongside our top Bank providers. Please call you Agent at Americap for rates and terms. 
Proof of Funds Service: Bank Guarantee, MT799, MT760, MT103, SWIFT Service, Standby letter of Credit (SBLC)

A proof of funds is a document prepared by a financial institution that affirms that an individual or business entity has the funds on hand to enter into a given financial transaction. A document of this type is sometimes prepared at the request of a seller who is considering an offer from a buyer. The seller requests the proof through the buyer, who in turn authorizes his or her bank or other institution to provide data that confirms the ability to honor the terms
of the transaction.

Five Commercial loan trends 2018
Finance & Investment
Five Trends Affecting Commercial Real Estate: Looking Ahead to 2018
Crowd funding will play a role for small business
"Crowdfunding will continue to be an invaluable resource for entrepreneurs. Crowdfunding platforms allow entrepreneure to easily validate and fund a new product or service all while growing their customer base."  - Michael Banks, founder of FortunateInvestor.com
more info
Commercial news and update for the global commercial market
Facts: 101    From John Devinci

Hard Money Loan Guarantees 
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Business related hard loans will likely be full recourse. The hard money lender will also require a personal guarantee. Full recourse, personally guaranteed hard money loans give the lender assurance that you are committed to the project. Sometimes this is referred to as "having skin in the game."
Unable to structure your commercial loan file, allow our expert team of, cpa, underwriter to revamp your file.
It’s typically harder to get a commercial loan or construction loan than a regular mortgage. You’ll need to shop around, using a commercial loan broker if necessary. You can hire the right team to ensure your file can pass the credit, asset, income stress test. Americap's team of expert can carry out such a task. 
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​​Latest commercial AMD News
May- 2018.

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8 Sources of Funding for Small Businesses
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Finding enough cash to get your small new business started or keep it running can be one of the biggest challenges you face as an entrepreneur. Here is a list of 8 different sources of business funding that can save your company’s future: 1. Friends and Family Before you groan at the idea of hitting up your loved ones for cash, you should know that friends and relatives are one of the most common sources for startups. No one knows you or believes in you more than this crowd. And they may be […]