All Forum Posts by: Karen Schimpf

When David showed up at the battle and went out to meet Goliath, he was simply being bold in his faith in God. His brothers criticized him for essentially being cocky and thinking he was something he was not. Boldness, especially for God, is often misconstrued.

Why do I share this? Because long ago I trusted God with my business, He is the source of my cash flow. So, I will brag on my Lord for a minute-the MBA’s Commercial Mortgage Origination Rankings for 2024 just came out. My company ranked #39 on the list with 114 closings last year! The companies that ranked above us are names you know, Wells Fargo, Chase, Bank of America, and JLL. These are companies with thousands and often tens of thousands of agents. Companies that closed fewer loans than us you also probably heard of, TD Bank, Barclays, New York Life, State Farm Life, and many more. That’s right, I singlehandedly closed more commercial loans than TD Bank or Barclays- entire banks! WOW. Praise the Lord!

When I say Commercial Capital Ltd. is the number 1 closer of commercial loans in the country, I don’t know how it can be disputed. In numbers of loans, not volume, no one beats us.

Now if you go by origination volume we are down at 111, still in the top 125 out of the thousands of banks and mortgage companies in America but that is because the average loan size of these other firms above us is north of $10 Million per loan. We average under $1 Million per loan. YES, you make 10 times more money for the same work doing the larger loans, so most borrowers with a smaller loan are disregarded by the big banks. But we ARE a small business and we still FIGHT for small businesses. Of the 111 loans we closed, 80% of them tried somewhere else first and after many weeks, got denied and got referred to us. All of our loans are referrals, you won’t see a billboard with my face on it.

Often we closed these denied loans at the same rate or better. If they would have come to us first, they would have saved themselves 6 weeks of anguish. We give approvals in 72 hours and my follow-up is legendary. I grew up in CO and I remember all the pizza places had the same delivery box, it was white corrugated cardboard and it said, “You tried all the rest, now try the best”. Well guys, you can refer your customers to the rest, or you can simply try the best. Run your deal by us today.

Give us a call today to discuss your commercial finance needs or get started by filling out this form!

Karen Schimpf

(512) 358-1511

[email protected]

www.ApplyCommercialLoans.com 

P.S. Our private money fund has a LOT of money to lend out. We can go from $100,000 to $20,000,000 but we are most aggressive under $2 Million where there is much less competition. We can go to tertiary markets, we can go to commercial properties that are special use, like hotels, memory care, assisted living etc. to apartments. We have money to lend guys…send us your deals. I will underwrite it quickly and give you an approval or tell you why we can’t within 48 hours. We give every deal a serious look…the keys to us are the asset, the story and the exit strategy. So send us the deals you need to close quick or the ones that are just a little too hairy for the banks and we will try to help YOU get it done!

Call Me today to run your deal by me at 512-358-1511 or go here to get started https://applycommercialloans.com/apply-now/

A friend of mine Brian wrote the following article and I though I would share it with you.

The Disease of Me

There are many things I enjoy about technology—it has greatly improved our quality of life, especially when you consider how people lived and worked 2,000 years ago. However, I can't shake the feeling that something else is at play, something not entirely good. I believe technology is fueling what I call the "Disease of Me."

When we sit looking at reels and looking at the things we want to look at, the algorithms keep feeding more and more things that we like. So our phones and tablets become a “feeder” for things we like. And that keeps us focused on ourselves. If we are not careful, we may spend our days focused on just ourselves, what we like, who we like, and we can lose sight of the fact that we are not on this planet for us. The world does not exist for us, individually. Never has. We try to teach our kids that the whole world does not revolve around them, but in our quiet times and our adult lives, how much time are we spending thinking only about us, what we want and how we can get it? This focus on self actually goes against what the greatest teachers and prophets and preachers and even God Himself says should be our focus.

Jesus gave the great commandment and in a nutshell it said, “love God, love others”. There is no “self” in that statement. In fact, His main message was “die to self” if we really study seriously what He said. WHAT IF WE DID IT? What if we wake up in the morning asking God what HE wants from us. What if we drive to work and let people cut in front of us because we are more concerned about them getting to work on time then ourselves? What if we seek to meet EVERYONE else’s needs and just let God take care of our needs? What if we really lived this way? The world would be a different place if we all did it. And that is Pollyanna to think that the whole world will do that at the same time, but what if WE live our lives that way?

What if we really lived the ways Jesus told us to live, loving God first and others second. Not on a cute key chain but actually in our actions, the little things, all day long. I tell you, you will feel much more fulfilled and joyful. Focusing on ourselves has never been the best thing for us. We teach it to our kids, but go out as adults and do it just the same. Check yourself today, how much time and mental energy do you spend on things that matter to you and how much time do you spend thinking of others first and seeking to help them. Why not try that for a week. Cut off the reels for one week and focus on others…it might just change your life! God bless….

Give us a call today to discuss your commercial finance needs or get started by filling out this form!

Karen Schimpf

(512) 358-1511

[email protected]

www.ApplyCommercialLoans.com

P.S. Our private money fund has a LOT of money to lend out. We can go from $100,000 to $20,000,000 but we are most aggressive under $2 Million where there is much less competition. We can go to tertiary markets, we can go to commercial properties that are special use, like hotels, memory care, assisted living etc. to apartments. We have money to lend guys…send us your deals. I will underwrite it quickly and give you an approval or tell you why we can’t within 48 hours. We give every deal a serious look…the keys to us are the asset, the story and the exit strategy. So send us the deals you need to close quick or the ones that are just a little too hairy for the banks and we will try to help YOU get it done!

Call Me today to run your deal by me at 512-358-1511 or go here to get started https://applycommercialloans.com/apply-now/

Running a small business means constantly balancing growth and day-to-day operations. At Commercial Capital, we understand that having access to extra cash can make all the difference. That’s why we offer flexible funding options tailored to meet your needs — because no business ever failed from having too much capital.

Here’s how we can help you secure the cash your business needs:

SBA Working Capital Loans

Get up to $150,000 in working capital and close in just 2 weeks! If your business is at least 2 years old, with a credit score of 680+ and 30% of gross revenue, we can help you access the funds you need to grow.

Start-Up Funding (Non-SBA)

Starting a business is tough, and getting funding can be even tougher. That’s why we offer non-SBA loans with rates between 7% and 21% for businesses less than 2 years old. Borrow up to $300,000 with terms of 5 or 7 years. If you have a credit score of 680 or higher, an income of at least $50K in the last two years, and a manageable debt ratio, we can help you get the cash you need — without relying on merchant accounts receivable loans.

Unsecured Business Lines of Credit

For businesses over 2 years old, with owners who have a credit score of 700 or higher, we can secure unsecured lines of credit up to $150,000. With rates ranging from 7% to 21%, these aren’t credit cards — they’re old-school lines of credit with a checkbook, giving you the flexibility to access funds whenever you need them.

We’re committed to helping small businesses thrive by providing fast, reliable, and flexible funding options. Whether you’re looking to expand, cover unexpected expenses, or simply keep operations running smoothly, we have the resources to support your success.

Ready to take your business to the next level? Let’s get started — contact us today to explore your funding options!

Give us a call today to discuss your commercial finance needs.

Karen Schimpf

Commercial Capital, Ltd.

O: 512-358-1511

E: [email protected]

w: www.linkedin.com/in/karenschimpf/

blog: http://bizloansconnections.com/

website: http://applycommercialloans.com

P.S. Don't forget - We are still actively funding on our other loan programs - Fast Close Bridge and SBA loans for business only or Real Estate. We also can fund some smaller construction loans with our other programs like the $20 Million ground-up hotel deal we recently funded.

It's tax time again! While you might be looking forward to getting money back, some people try to steal others' tax information. Here's how to keep your information safe and protect yourself from scammers.

Key Ways to Stay Safe

1. Lock Your Credit

The best way to protect yourself is to lock your credit with the three main credit companies - Experian, Equifax, and TransUnion. When you do this:

• No one can check your credit or open new accounts without your permission
• Your personal information stays safer
• You control who sees your credit information
• You can unlock it when you need to apply for a loan or credit card

2. Protect Your Online Information

Keep your information safe online by:

• Making a special email account just for your financial accounts
• Using two-step verification (like getting a code on your phone)
• Using strong passwords for each account and a password manager to remember them
• Using secure internet connections with VPN
• Checking your accounts often for anything strange

3. Spot Common Scams

Be aware of these scams (hang up and call the official business number):

• Fake emails or calls pretending to be the IRS
• Messages asking for personal information
• Dishonest tax preparers
• Fake job offers and W-2 forms
• People asking for donations during tax time
• People impersonating your bank
• People impersonating County Sheriff's Department claim missed jury duty, have warrants for your arrest.

What to Do If Someone Steals Your Information

If you think someone is using your information:

1. Call the IRS's special identity theft unit
2. Report it to the Federal Trade Commission
3. Tell your bank
4. Call your local police
5. Write down everything that happens

Keeping your information safe takes some work, but it's worth it. These steps might seem like a lot, but they're much easier than fixing problems after someone steals your information. Taking these simple steps now can save you from big headaches later.

Give us a call today at 512-358-1511 to discuss your commercial finance needs or click here get started by filling out this form!

Karen Schimpf

(512) 358-1511

[email protected]

www.ApplyCommercialLoans.com

P.S. We help your business secure $150,000+ in working capital for restaurants, retail, hotels, IT companies, assisted living facilities, and medical practices. Whether you’re expanding, managing inventory, or covering unexpected expenses, we provide tailored solutions to keep your business thriving. Call me today to access the funding you or your clients need at 512-358-1511!

P.S.S Don't forget - We are still actively funding on our other loan programs - Fast Close Bridge and SBA loans for business only or Real Estate. We also can fund some smaller construction loans with our other programs like the $20 Million ground-up hotel deal we recently funded.

It's time to get some BIG projects funded! Below is a new product we are rolling out for large construction loans(over $50 Million to no limit).

Some Highlights:

Minimum Loan $50MM ($100MM and up preferred)

• No maximum limit on loan amount
• 4-year term with 4-year extension available
• The effective cost of capital over the first 4 years is about 6.25%
• The cost of capital drops in the second 4 years (about 5%) so some borrowers treat it as a mini-perm
• 75% LTC (but can go much higher if the numbers support it)
• Most asset classes available (we are not limited to only multifamily)
• This program is for strong projects, strong developers, strong teams, high exit DSCR
• Land must be owned before funding (cannot be purchased as part of funding, but can be paid off as part of funding)
• The project needs to be fully entitled and pretty much ready to go

Give us a call today to discuss your commercial finance needs or get started by filling out this form!

Karen Schimpf

(512) 358-1511

[email protected]

www.ApplyCommercialLoans.com 

P.S. We help your business secure $150,000+ in working capital for restaurants, retail, hotels, IT companies, assisted living facilities, and medical practices. Whether you’re expanding, managing inventory, or covering unexpected expenses, we provide tailored solutions to keep your business thriving. Call me today to access the funding you or your clients need at 512-358-1511!

P.S.S Don't forget - We are still actively funding on our other loan programs - Fast Close Bridge and SBA loans for business only or Real Estate. We also can fund some smaller construction loans with our other programs like the $20 Million ground-up hotel deal we recently funded.

The commercial real estate (CRE) market in 2025 continues to grapple with significant challenges, with underwater loans and distressed assets dominating the landscape, according to MSCI's latest analysis.

A Glimpse into Loan Risks

Of the $500 billion in CRE loans set to mature this year, 14% are underwater—where the outstanding debt exceeds the asset's current value. Multifamily housing and office properties are especially vulnerable to these financial pressures.

• Multifamily Housing: Nearly $19 billion in multifamily loans maturing in 2025 (10% of the total) are underwater. This trend is primarily attributed to acquisitions at record-high valuations between 2020 and 2022.
• Office Properties: The office sector faces even starker challenges, with 30% of maturing loans—totaling $30 billion—now surpassing the current property values.

Sector-Specific Struggles

Certain asset classes are feeling the pressure due to structural or market-specific issues:

• Industrial: Properties built before 2010 are increasingly seen as obsolete, leading to higher vacancies and reduced functionality.
• Retail: Larger malls continue to underperform, with 80% of underwater retail loans linked to these struggling assets.
• Multifamily: Although structurally sound, some properties have left investors exposed due to inflated valuations from the recent real estate boom.

Pockets of Opportunity

Despite the headwinds, there are signs of improvement in specific areas of the market:

• Office Demand: Central business district (CBD) offices saw increased sales activity in Q4 2024 as price corrections attracted investors.

• Market Resilience: Overall distress levels across the CRE market declined in the last quarter, although delinquent and foreclosed loans remain a persistent concern.

If you're considering financing options to refinance or purchase underperforming CRE assets, our bridge loan products can provide the solutions you need. Call us at 512-358-1511 to discuss your project.

Click below on FileForm to get your information easily and accurately on annual bases.

Give us a call today to discuss your commercial finance needs or get started by filling out this form!

Karen Schimpf

(512) 358-1511

[email protected]

www.ApplyCommercialLoans.com 

P.S. We help your business secure $150,000+ in working capital for restaurants, retail, hotels, IT companies, assisted living facilities, and medical practices. Whether you’re expanding, managing inventory, or covering unexpected expenses, we provide tailored solutions to keep your business thriving. Call me today to access the funding you or your clients need at 512-358-1511!

P.S. Need short-term financing to bridge the gap? Our SBA Bridge Loans provide flexible, fast solutions with minimal down payments and options for lower credit scores. Perfect for businesses looking to cover costs while waiting for long-term funding. Give me a call today at 512-358-1511 or get started online here: https://applycommercialloans.com/apply-now/.

Give me a call today at 512-358-1511 or get started online here: https://applycommercialloans.com/apply-now/.

Unlock Small Business Financing – Even After Previous Rejections

Turning No into Yes: Financing Options That Work for You

Are you a business owner seeking $500,000 to $100,000,000 in financing but have been turned down by traditional banks? At Commercial Capital Ltd., our specialized Loan Matching Methodology™ has helped 80% of our clients secure funding after previous rejections.

Discover how we can:

Break through rigid bank criteria.

Simplify the loan process.

Connect you with understanding lenders.

With over 20 years of experience and an extensive lender network, we’re committed to helping your business secure the financing it needs to thrive.

Read the full article to learn more about our tailored solutions:

https://applycommercialloans.com/unlock-small-business-financing-even-after-previous-rejections/

Karen Schimpf

Commercial Capital, Ltd.

O: 512-358-1511

E: [email protected]

w: www.linkedin.com/in/karenschimpf/

blog: http://bizloansconnections.com/

website: http://applycommercialloans.com