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Commercial Loans: What Type is Right for You? by Andrew Stratton





Commercial Loans: What Type is Right for You? by
Article Posted: 06/09/2014
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Commercial Loans: What Type is Right for You?


 
Business
Individual people or businesses can borrow money from a bank or financial institution for a specific term or timer period. Those kinds of transactions are called Commercial Loans. They can be both long-term and used to build or expand, real estate or equipment, or they can be short-term; small projects, to add to inventory and deal with an accounting situation. There are several types of loans to choose from that will fit certain situations.

There are unsecured and secured commercial loans. Secured loans are tied to a property or amount of inventory as "security" if the loan is not paid back in full, or within the time frame. This then allows the creditor to sell off the property to recoup their investment. An unsecured loan is not based on collateral, but instead the clients credit standing. Those loans typically have much higher interest rates.

If your business requires equipment, there are loans that specifically cover that as well. Equipment consumer loans are not based off of collateral, instead the equipment purchased with the line of credit IS the collateral. The risk is much less for the borrower if payments are not made, as the only lose the equipment and not any personal property. That does not mean that they are for less money though, as equipment can cost anywhere from a couple thousand to millions in some cases.

Equipment loans can fall under the umbrella of short-term commercial loans. Those kinds of loans are normally used to meet a specific need. They are primarily used by upstart businesses that have not built a good line of credit as of yet. They can run from three to six months.

Long-term commercial loans tend to run for three years or more. These are rarely given to new businesses due to the risks involved and usually come with all sorts of conditions. Those could include rate changes and penalties for payments missed.

Then there are working capital commercial loans. Since businesses tend to have good and bad times these loans are used as a bit of a crutch. An established line of credit is set with a maximum amount the creditor is willing to loan. The money can be used at any time and for any reason by the borrower. They are typically used for the same functions as short-term loans; equipment, inventory, and seasonal changes. The creditor has the option of reevaluating the loan every year.

Need to take your business to the next level? Look into how commercial loans Kansas City can help at: https://www.ebankcbt.com

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