Todd Belmond of the Scotsman Guide Joined CLBA Team for September DealTalk Podcast
Our friend, Todd Belmond of the Scotsman Guide, joined the Commercial Loan Broker Association team for the latest episode of the DealTalk podcast. Todd brought industry insight to the conversation and was able to provide recent stats and describe industry trends related to the commercial lending and broker communities. The podcast also discusses the upcoming CLBA Conference and Expo taking place in Indianapolis, Indiana on November 2nd - 4th. This year's conference has introduced a new breakout session layout that includes presentations, workshops, and panels. Still need to register for this year's event? Save $200 with the code FINALLAP when you register online: https://clba.getregistered.net/2026-conference-expo
The Importance of Working with a Licensed and Verified Direct Commercial Lender
The Importance of Working with a Licensed and Verified Direct Commercial Lender
By: Jeff Luker, Commercial Capital BIDCO
When seeking financing for a commercial real estate project or business investment, choosing the right lending partner is just as important as selecting the right loan product. Working with a licensed and verified direct commercial lender provides borrowers with greater confidence, transparency, and security throughout the financing process.
A licensed lender operates in compliance with applicable federal and state regulations, helping to ensure ethical lending practices and accountability. Verification adds another layer of trust by confirming that the lender has the authority, financial capacity, and experience to fund commercial transactions directly rather than acting solely as a broker or intermediary.
Direct commercial lenders can often streamline the financing process by making lending decisions in-house. This can lead to faster approvals, clearer communication, and fewer delays, since borrowers work directly with the funding source instead of navigating multiple third parties.
Partnering with a verified lender also helps reduce the risk of fraud and unnecessary fees. Reputable lenders provide transparent loan terms, clearly explain costs, and maintain open communication throughout underwriting and closing. This allows borrowers to make informed decisions and better plan for the future. Before committing to any commercial financing, borrowers should verify the lender's licensing, review their track record, and request documentation that confirms their ability to fund loans. Performing this due diligence can help protect your investment and contribute to a smoother, more successful lending experience.
In today's competitive commercial lending market, working with a licensed and verified direct lender is a practical step toward securing reliable financing and building a long-term financial partnership based on trust and professionalism.
Commercial Capital BIDCO, a licensed and verified direct commercial lender headquartered in Franklin, Tennessee, exemplifies the advantages of working directly with an established lender. Backed by an experienced in-house credit team and an efficient credit committee capable of reviewing opportunities within 48 hours, the company is positioned to make timely lending decisions and keep transactions moving forward. This streamlined approach, combined with a commitment to responsive service and disciplined underwriting, helps borrowers navigate the financing process with confidence while supporting reliable and efficient closings nationwide.
Ready to talk through your potential deals? Contact the Commercial Capital BIDCO team today to get started: https://commercialcapitalbidco.com/apply/
CCB Helps Therapy and Rehab Facility in Tennessee Cover Expense Overages With Recently Funded Deal
We recently helped our client who owns an inpatient therapy and rehabilitation facility in Dickson, Tennessee secure funds after their community bank had reached their legal lending limit. In order to keep the relationship of the community bank, we were able to work directly with the client in order to create a personalized solution. Our team was able to secure $3,350,000 for the client - allowing them to cover expense overages associated with the expansion of their therapy and rehabilitation office while also reducing the current debt with their community bank...further allowing the bank to restore their lending capacity and provide additional construction financing for the client. Our team at Commercial Capital BIDCO was able to get this deal secured and to the closing table in just 22 days!
We take pride in offering commercial lending solutions that are unique and personalized to our clients - acting quickly and effiiciently to get the funding you need, when you need it. Have a deal that would like to contact our team about? Submit a deal inquiry today on our website by clicking here.
Long Time Client Secures $500K Commercial Loan in 15 Days
Commercial Capital BIDCO worked with a long-time real estate investment and hospitality client from the Florida panhandle to secure a $500,000 commercial loan that would allow the client to obtain working capital for another business venture. Our team was able to close this deal on a 5,000+ square foot beach vacation rental in just 15 days. We were thrilled to knock out this deal for our client after having a long-term relationship with them and we were able to provide an exception to our 65% LTV maximum and work this deal at 70% LTV due in part to their excellent repayment history.
Are you a real estate investor or have a commercial deal that you would like our CCB team to review? Reach out to us today through our website by submitting an inquiry here.
Portfolio Loans Can Simplify and Scale Your Investment Strategy
Did you know that Portfolio Loans are a strong strategic option for investors with multiple properties, non-traditional income, or properties that do not meet conventional lending standards?
Let our team at Commercial Capital BIDCO walk you through the best options for you and your goals. Submit a deal inquiry today on our website to get started!
Program Highlights:
- No Tax Returns Required
- Minimum Loan of $500,000
- Max Loan of $6,250,000
- Up to 80% LTV (75% on REFI)
Property Requirements:
- Minimum of 3 Rental Properties & $500,000 Loan Amount
- Max of 50 Properties May Be Combined Into 1 (one) Loan
- Minimum Unit Value of $100,000
What Brokers Need to Know About Upcoming SBA Changes
The Small Business Administration (SBA) recently announced that non-citizen permanent residents (green-card holders) will no longer be eligible to receive SBA-backed loans. This change, effective March 1, 2026, could have significant impacts on small businesses and the broader economy. The CLBA has reviewed the update and provides a concise breakdown of what it means in practice.
The Changes, Simplified
- SBA-backed loans will now only be available to businesses fully owned by U.S. citizens or nationals.
- Legal permanent residents can no longer hold any ownership stake in an SBA borrower.
- Non-citizens can still operate businesses and access conventional loans, but SBA-guaranteed financing is no longer an option.
- Applications that receive an SBA loan number before March 1, 2026 may proceed under prior eligibility rules.
Read more here on our affiliate's news page: Commercial Loan Broker Association Website
Bridging the Gap for Business Expansion
Commercial Capital BIDCO especially loves helping our local Tennessee customers, and our recent deal in Erwin, Tennessee is a perfect example. We helped this customer consolidate debt on their existing machine shop and industrial business as well as consolidate some notes from a recent acquisition. An interest-only bridge loan in the amount of $1,700,000 was the perfect option for the client as they work toward an SBA loan as the permanent solution. See how our team at CCB can help your business secure the financing it needs to grow at www.commercialcapitalbidco.com.
CCB Steps In for CRE Loan Near Tampa, Florida
Our client was able to recently close on a $1.26MM perm real estate loan for an owner-occupied commercial property in central Florida. Due to the borrowers previously winning a law suit, they were forced to cover their legal bills by using a high interest debt option. Our team at Commercial Capital BIDCO was able to step in and provide enough capital to replace the high interest debt as well as approximately $200k in working capital - ultimately saving our client literally tens of thousands per month! We are proud of the creativity our team presented to the borrower and the ability to work quickly so that their previous use of high-interest debt could be erased.
Commercial Capital BIDCO is one of the nation's leading direct lenders for a reason - our outside-the-box thinking, ability to close quickly, and our dedication to the client's needs truly sets us apart! We would love to chat through your deal. Send us an inquiry on our website today at commercialcapitalbidco.com.
Customer Closes on Commercial Property in Birmingham, Alabama
Birmingham, Alabama has been witnessing a resurgence in the last decade across multiple industries including food and beverage, hospitality, and entertainment thanks to the redevelopment of several regions throughout the metro area. Knowing just how well one could prosper in the heart of Birmingham, our borrowers set out to purchase a building downtown next to a thriving nightlife scene for the purpose of reopening the pre-existing restaurant along with plans for upgrades that would appeal to the already established customer base.
Our borrowers closed on the purchase of the 795 square foot commercial property in Birmingham, Alabama in November of 2023 with a requested loan amount of $650,000.00. The LTV with the deal was 61%. In addition to the purchase of the current restaurant located at the property, loan proceeds will also be used to fund renovations such as cosmetic upgrades and a new HVAC system. In order to get this deal locked in and fully fund the improvements, we needed to get creative and was able to have additional liens placed on two other buildings owned by one of the guarantors - both located in the Birmingham area.
"Working with the borrowers, Justin and Eric, was a pleasure. Seeing firsthand the passion they have for this project and the city of Birmingham was an inspiration," says David Runge, Business Development Manager for Commercial Capital BIDCO. Jeff Luker, Commercial Capital BIDCO VP and COO, echoed similar sentiments stating, "Seeing the revitalization of key cities across the country is part of the 'why' for what we do. We love being at the core of these investors' successes and seeing their goals align."
The NACLB 2023 Conference and Expo Hit the Jackpot for its 9th Year!
The National Alliance of Commercial Loan Brokers recently held its 9th annual conference and expo - allowing Commercial Lending Brokers, Direct Lenders, and Service Providers in the industry to come together across three days in Las Vegas, Nevada. Commercial Capital BIDCO was again a Silver Sponsor for the event - marking our continued support of the NACLB through the years. The NACLB Conference and Expo gives us the opportunity to showcase our direct lending strategies and expertise as a company by having a booth in the expo hall. Through this we are able to meet Brokers new the industry as well as the chance to build on existing Broker relationships.
When it comes to industry education, The NACLB strives to educate others through topic-specific panels that include seasoned industry leaders who have proven successful in their markets through the years. Peer-to-peer education is instrumental to the success of ongoing broker development. This year, our very own Marketing Director - Leah Waldrop - was able to serve on the Marketing Yourself as a New Broker panel alongside the President of Aspen Capital Solutions, Nicholas Zuchegno. In this small group breakout, Leah was able to drive home the directives for brokers across both Digital and Traditional routes of marketing. Grassroots marketing through networking and face-to-face meetings was also a vital point throughout the session as the industry continues to change and evolve with the economy. Those in attendance were very engaged and it was beneficial to see marketing strategies and ideas come to life from the perspectives of both a Marketing Director and a business owner.
When it comes to professional development and education, Terry Luker is a true advocate of mentorship and continued learning. Terry started out in the industry as a Broker when he built Alternative Capital Solutions in 2013 - he has been in those shoes and continues to work on that facet of the Commercial Lending world through ACS. He understands what a Broker needs to develop and fine tune their strategy...what tactics need to be implemented to secure growth. It is always so enlightening to see his passion for Broker development first-hand when at NACLB. Having been a NACLB Rookie of the Year award recipient as well as a Broker of the Year award recipient, it's understandable why so many other Brokers look to Terry for guidance in their own businesses and markets. The NACLB Conference and Expo is an excellent time for Terry to meet with these individuals face-to-face and find out more about their pain points and passions. The NACLB Conference and Expo is a huge opportunity for Terry and the Commercial Capital BIDCO team to explain Terry's proprietary e-learning development tool, The Commercial Broker Playbook. This is the cherry on top for a Broker who is fresh out of a commercial lending brokerage school such as The Commercial Capital Training Group or is looking to build their business. We are thankful for the NACLB and the chance to put this tool in front of Brokers across the country.
The 2023 event was definitely one for the books! George Foreman served as the conference's keynote speaker and he knocked his speech out of the park! His story and words of wisdom served as the 1-2 punch for all of those who were in attendance to take a fresh look at their business and how they can best continue to grow and adapt. All attendees, no matter their market, background or business goals left the conference refreshed and revitalized to take on 2024. The Commercial Capital BIDCO team has already hit the ground running on what we can do to adjust for the new year as well as how we can build on our successes from 2023! Thank you to the NACLB for another successful conference and thank you to all of our broker and client relationships for all that you do. We are grateful to serve you!