Commercial Loan Workout / Modification Flow

1. What is Commercial Loan Modification?

2. Commercial Loan Modification What is it? Lower interest rates on the loan balance Recasting the term of the loan Rescheduling or eliminating a Balloon Reducing or eliminating penalties and fees Forbearance Interest only In short, any “modification” of the original terms and conditions of the mortgage!

3. Why Now? According to a recent Business Week article total outstanding debt totals $6.4 TRILLION Commercial values have declined by some estimates over 40% from 2007 peak Between now and 2012 nearly $1.4 TRILLION will balloon Markets are not expected to recover until 2020

4. Why Now Part II Lenders are not lending at terms that make sense, if at all. The FED is encouraging banks to “Workout” Loans in place. FED say’s workouts and modifications may be the only way to stabilize the market.

5. Borrower Benefits Gets to keep the property No judgments or Law Suits Continued income stream Continued use of property Tax benefits, Depreciation, Capital Gains, 1031 Treatment Avoids a loss…deficiency judgment Profit potential

6. Benefit to Lender No Legal fess…other than review Short process…months, not years Bank could be made whole No Management No repairs No Leasing, Tenant Improvements One Borrower to deal with, not Tenants

7. Benefit to Lender Part II Examiners like performing loans No loan loss reserves required No protracted marketing To sell at a loss Reduced uncertainty “what if…” No negative PR Relatively easy

8. How we work! Intake and underwriting are FREE! No cost or Obligation unless retained Low cost solution Money Back Guarantee Nearly 50 years Commercial Loan and Commercial Real Estate experience Combined 40 years legal experience.

9. Contact Us Today! Commercial Capital Advisors, LLC 10620 Griffin Road Suite 207 Cooper City, Florida 33328 Office: 815-463-8100 Email: TMorris@Commercial-Info.com