bizloanconnect

09/04/2026

Is Using Your Own Cash to Fund a Business Really the Safest Choice?

Running Out of Cash Can Kill a Good Business

Using your own money to start or buy a business may sound like the safest choice because you avoid taking on debt. But putting all your cash into the deal can create an even bigger risk.

Things rarely go exactly as planned. Sales may take longer to grow. Equipment may break. A major customer may pay late. Payroll, inventory and operating expenses still have to be covered.

That is why keeping cash available is so important.

A properly structured loan can help you purchase or start the business while preserving cash for the unexpected. The goal is not to borrow more than you can afford. It is to avoid putting every dollar into the business and having nothing left when the plan changes.

A good business can survive a slow start. It cannot survive running out of cash.

Let’s get you the financing you need so you can preserve your cash for emergencies and the unexpected.

Call me at 512-358-1511 to discuss your financing options.

Commercial Capital is the place to go when the bank says no.

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

Karen Schimpf
Commercial Loan Advisor
512-358-1511
[email protected]
www.ApplyCommercialLoans.com

P.S. A construction company had the work to grow but needed cash to take on more jobs. We used their assets to help provide the working capital they needed to expand. Call me at 512-358-1511 to discuss your scenario.

09/03/2026

08/28/2026

Multifamily Delinquencies Hit a 9-Year High — Here’s Why

CMBS delinquencies climbed to 7.86% in July, with multifamily reaching 7.69% — a nine-year high.

What caught my attention is why many of these loans are becoming delinquent. It is not because borrowers stopped making payments. The loans matured and were not refinanced in time.

You can make every payment on time for five years and still have a problem when your loan comes due.

Banks have changed their lending guidelines. Some are offering lower loan amounts, requiring more equity or simply asking borrowers to refinance with another lender to get the loan off their books.

That can leave a property owner scrambling to find another lender, even when the property is performing and every payment has been made on time.

If your commercial real estate loan matures in the next 12 to 18 months, do not wait until your bank tells you what they are going to do.

There are lenders actively financing multifamily and commercial properties that may not fit your current bank's lending guidelines.

If your bank is asking you to refinance or you have a loan coming due, call me at 512-358-1511. Let's discuss your loan scenario and see what options are available.

I’m the place to go when the bank says no.

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

Karen Schimpf
Commercial Loan Advisor
512-358-1511
[email protected]
www.ApplyCommercialLoans.com

P.S. A construction company had the work to grow but needed cash to take on more jobs. We used their assets to help provide the working capital they needed to expand. Call me at 512-358-1511 to discuss your scenario.

08/25/2026

Many loans made in 2020–2022 no longer meet traditional bank underwriting due to higher interest rates, lower valuations, or DSCR constraints. This does not mean your property is weak.

Your loan may still be refinanceable even if your bank said no
It means the loan must be structured differently using lenders that understand transitional and refinance-gap situations.

There are lenders today specifically designed for:
• bridge-to-stabilization
• recapitalizations
• refinance shortfalls
• DSCR constrained loans
• loans banks will not extend

If your loan matures in the next 6–24 months, it is critical to explore options early, before the lender forces a decision.

Give us a call today to discuss your commercial finance needs at 512-358-1511.

Karen Schimpf
(512) 358-1511
[email protected]

08/24/2026

CMBS delinquencies climbed to 7.86% in July, with multifamily reaching 7.69% — a nine-year high.

What caught my attention is why many of these loans are becoming delinquent. It is not because borrowers stopped making payments. The loans matured and were not refinanced in time.

You can make every payment on time for five years and still have a problem when your loan comes due.

Banks have changed their lending guidelines. Some are offering lower loan amounts, requiring more equity or simply asking borrowers to refinance with another lender to get the loan off their books.

That can leave a property owner scrambling to find another lender, even when the property is performing and every payment has been made on time.

If your commercial real estate loan matures in the next 12 to 18 months, do not wait until your bank tells you what they are going to do.

There are lenders actively financing multifamily and commercial properties that may not fit your current bank's lending guidelines.

If your bank is asking you to refinance or you have a loan coming due, call me at 512-358-1511. Let's discuss your loan scenario and see what options are available.

I’m the place to go when the bank says no.

Karen Schimpf
Commercial Loan Advisor
512-358-1511
[email protected]

P.S. A construction company had the work to grow but needed cash to take on more jobs. We used their assets to help provide the working capital they needed to expand. Call me at 512-358-1511 to discuss.

Commercial Capital Ltd.