Commercial Hard Money Lender

Commercial hard finance provider is a company or a private person loaning financial support. Often money-making hard cash loans are being issued with a higher interest rate than the traditional hard cash loans. Commercial hard money loans are usually being given for a short period of time and sometimes they are called bridge loans or bridge financing.

As traditional commercial hard money loan programs are very risky and have a higher than average loans likelihood of default, money-making hard finance providers offer a wide range of requirements on the type of real estate, special loan-to-value percentage and the certain minimum loan size for a money-making hard cash loan.

Bridge lender programs and commercial hard money loans:

Bridge lender programs and money-making hard cash loans are similar to the traditional hard money in the part of terms of the interest rates and loan to value requirements. A commercial hard cash lender or a bridge lender could usually be described as a strong financial institution with a large deposit reserves. Making a discretionary decision on a not conformed loan is totally in his power. Usually money-making finance providers (or borrowers) not conforming to the standard guidelines of a residential conforming credits.

And because of the fact it is a commercial property, commercial hard cash loans usually also do not conform to the guideline of the standard commercial loans. It is the usual and absolutely normal situation if the borrower is in a temporary financial distress or has just a building permit in place. The commercial property may not be in a good and marketable condition for a number of reasons; it may not be completed after the process of construction or reconstruction etc.

Some commercial hard cash lenders (bridge capital groups or private investment groups)could require some sale-lease back requirements or the joint venture to create an additional background for such a risky transaction that has a really high default rate. It is really usual situation when money-making hard finance providers temporarily offer hard or bridge money, allow the owner of the property to buy back his property within only a certain (as usual, not long) time period. If the property was not bought back by purchase or if it was sold within the period of time the money-making hard finance provider would get a right to keep the property at the agreed to price. In the case of default the property owner may lose the property to foreclosure.

Online Investment Services

Before the internet was available to almost everyone, potential investors needed to visit and work with a traditional brick and mortar, storefront brokerage firm, which often charged their customers hefty fees for the privilege of watching and managing their money, design an investment strategy and helping them grow and sustain their wealth. In the last decade or so, on-line investment services, like E-Trade, TD AmeriTrade, and even traditional banks, have made do it yourself investing easier and more cost effective than ever.

Before opening an online investment account, research the price, the level of customer service and client care offered, and how quickly your trades can be excited. When you want to trade stocks on-line, you may need to access your account during non-business hours, so also see if your preferred platform supports an app for your mobile smart phone or tablet. Decide on the level of client care you need. If you are a seasoned and savvy investor, the firms online research resources may be enough to help you make informed decisions. In this case, a very bare bones service is needed. If you are just beginning to invest online, you may feel like you need more hand holding and advice. Look for a firm that offers instant chat or email with their brokers to help you reach your goals.

Another factor to consider is the fee structure of the online firm. Many sites require a minimum balance, an annual or quarterly maintenance fee, and a fee per trade. Some sites require a certain number of trades per month or quarter and your account may be penalized for not meeting this quota. Try to get a handle on your activity level before you open an account, so you are getting the most for your money.

Once you have opened your account, you are ready to trade stocks on line. When you are ready to make a trade, be sure you get a real time market quote. Many online aggregate sites offer a delayed quote, as much as 20 minutes, and that can make a big difference in trading activity. Now, you need to decide between placing a market order or a limit order. A market order trades at the current market price of the stock. A limit order only trades at or better than a price you specify. If the stock doesn’t hit that price, the trade won’t go through.

You should also set up some loss orders, to protect you and your account from large scale losses. When you trade stocks online, you may not have the time to watch the stock closely, so stop orders, stop limit orders, and trailing stop orders, can all be used to stop the bleeding if your stock takes a tumble. Another important thing to note; although you can make online trade orders any time, your trade will only be excited during normal trading hours, and it may take several hours to match up buyers and sellers. When you trade stocks online, you can often cut out the middle man and keep more of your money in your pocket (or account).