Shopping for a Commercial Loan?

Young, Steven M.
January 2005
Indiana Business Magazine;Jan2005, Vol. 49 Issue 1, p40
The article focuses on the facts related to commercial loans. Variable rates loan generally start with a lower rate. With variable loans, the borrower assumes interest risk. Commercial loans are priced as a percentage or "spread" over an 'index rate. There are several indexes used by banks. For real-estate loans, loan-to-value is expressed as the lower of cost or market. Getting a loan from a different bank may require one to move his accounts to the new bank. Banks may set loan covenants to help protect one's ability to repay the loan.


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