Products and services offered to our clients by JSKFC

1. JSKFC
Jeffrey S. Krum Financial Consultants, Inc.
Zachary Krum Telephone: 215-953-5250
Jeffrey S. Krum Financial Consultants, Inc. Cell: 215-768-4639
950 Pennsylvania Boulevard Fax: 215-953-9619
Feasterville, PA 19053 Email: z.krum@jskfc.com
www.jskfc.com
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2. Table of Contents
Section I. Jeffrey S. Krum Financial Consultants, Inc.
Size of Loans
Loan Criteria
We Assist in Financing
Section II. The JSKFC Advantage
Section III. Commercial Mortgages
Section IV. Commercial Loans
Section V. Typical JSKFC Loans
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3. JSKFC
Jeffrey S. Krum Financial Consultants, Inc.
“If The Deal Makes Sense, Let’s Do It”
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4. Our Corporate Philosophy
“If The Deal Makes Sense, Let’s Do It”
At Jeffrey S. Krum Financial Consultants, Inc. (JSKFC) our goal is to provide our
clients with the best possible product for their commercial financing needs. We
have continued to reach that goal since the company’s inception in 1991.
Services Include:
Services Include:
• Purchasing and Refinancing Commercial Real Estate
• Asset Based Lending (Lines of Credit Based on Accounts Receivable and Inventory)
• Construction and Bridge Loan Financing
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5. Who We Are and What We Do
• Founded in August of 1991 by Jeffrey S. Krum, President
• JSKFC has flourished to become one of the most successful mortgage brokers in
the tri-state area
• We act as an intermediary for clients looking for commercial loans and/or
mortgages
• Although we primarily work with clients on the East Coast, we are able to
complete projects nationwide
• Working with the financial community for the last 29 years
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6. The JSKFC Advantage
Extensive Database of Creative Financing Sources
Extensive Database of Creative Financing Sources
• We are able to present your commercial loan to a broad spectrum of potential capital sources
• We secure the best terms and pricing that the market can offer
Unsurpassed Service Ensuring a Successful Close
Unsurpassed Service Ensuring a Successful Close
• We remain very much involved prior-to, during and after the transaction
• We share the burden of collecting and processing all information
• We coordinate third party reports
Superior Edge in the Industry
Superior Edge in the Industry
• Fees are paid only when an applicant has accepted and closed a loan
• Non-Exclusive Contract – which allows client to compare and contrast other alternatives
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7. Loan Criteria
Commercial loans are made based upon the value of your company's current and
long-term assets. The particular focus is on your company's management, systems,
operations, products, customer base and cash flow as well as the value and
performance of collateral.
Ideal criteria include:
• Manufacturer, distributor, wholesaler, retailer or select service company
• Relatively stable to unstable history of earnings and cash flow
• Firms experiencing rapid growth, operating turnaround dynamics and/or high leverage
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8. We Assist in Financing
Commercial Loans Commercial Mortgages
• Expansion of a new business • Acquisition
• Acquisition of a new company • Refinance
• Restructuring or consolidation • Construction
of debt For the following:
• Equipment purchase or lease – Mixed-use properties
• Lines of credit for business – Shopping centers
based on accounts receivable – Office buildings
– Apartment buildings
– Mobile home parks
– Industrial buildings
– Warehouse properties
– Mini-storage facilities
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9. COMMERCIAL MORTGAGES
“If The Deal Makes Sense, Let’s Do It”
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10. Commercial Mortgages
Loan Types:
Loan Types:
• Owner Occupied • Refinance
• Investment Properties • Construction
• Acquisition • Bridge Loans
Loan Amount:
Loan Amount:
• $100,000 to $10,000,000 and Up
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11. Commercial Mortgages
For the Following:
For the Following:
• Mixed-Used Properties • Warehouse Properties
• Shopping Centers • Mini-Storage Facilities
• Office Buildings • Not-For-Profits (501(c)3)
• Apartment Buildings
Features:
Features:
• Long Term Fixed Rates
• No Income Verification Products
• Non-Recourse Products
• 90% LTV Products
• Mortgage Products for Low Credit Scores
• SBA Loans with Amortization up to 25 years
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12. COMMERCIAL LOANS
“If The Deal Makes Sense, Let’s Do It”
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13. Commercial Loans
Loan Types:
Loan Types:
• Business Expansion • Equipment Purchase/Lease
• Acquisition • Account Receivable Financing
• Restructuring • SBA Financing
• Debt Consolidation
Loan Amount:
Loan Amount:
• $100,000 to $10,000,000 and Up
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14. Commercial Loans
For the Following:
For the Following:
• Manufacturers • Not-For-Profits (501(c)3)
• Distributors • Retail
• Service • Restaurants
Features:
Features:
• 80% Advance on Accounts Receivable
• Up to 50% Inventory Advance
• Impaired Credit Situations
• Cash Flow Problems
• Personal Credit Problems
• Highly Leveraged Companies
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15. We Are Pleased to Announce the Following:
A line of credit / term loan in the A refinance in the amount of
A refinance in the amount of A refinance in the amount of
amount of
$2,800,000
$3,925,000 $1,350,000 $1,407,000
was obtained for a historic
was obtained for a manufacturing was obtained for a three (3) tenant was obtained for an apartment
landmark, multi-tenanted office
company in commercial property located in building located in
located in
Philadelphia, PA Philadelphia, PA Ocean City, NJ Philadelphia, PA
at an interest rate of at an interest rate of at an interest rate of
at an interest rate of
Prime+ 1.25% (line of credit) 6.5% 5.5%
6.75%
5.25% fixed for five (5) fixed for five (5) years; adjusting fixed for twelve (12) years, thirty
fixed for ten (10) years, twenty- five for an additional five (5) years with (30) year amortization
years (term loan) (25) year amortization a twenty-five (25) year
20 year amortization amortization
June 2010 July 2010 September 2010 October 2010
A refinance in the amount of A refinance amount of
A refinance in the amount of
A refinance in the amount of $8,100,000
$8,700,000
$2,400,000 was obtained for a tax exempt credit
was obtained for a mechanical $1,200,000 facility for a nationally recognized
Not-For-Profit in
was obtained for a credit tenant contractor located in
was obtained for an owner occupied South Jersey
commercial property located in South Jersey motorcycle dealership located in
$7,000,000 Asset Based Line of $4,500,000 NJEDA tax free bond;
Fairfield, NJ Credit; 1 month libor market index Uwchland, PA five (5) year term; twenty (20) year
amortization; 4% fixed
at an interest rate of rate + 425 bps; 75% advanced on $200,000 line of credit
eligible receivables prime + 1.5% $2,400,000 USDA term loan; five (5)
year term; twenty (20) year
6.47% $1,700,000 Commercial Mortgage; $1,000,000 term loan amortization; fixed at 5.5%
fixed for five (5) years; with a Five (5) year term; twenty- five (25) $700,000 conventional mortgage; five
year amortization; 1 month libor + 6.18% (5) year term; twenty (20) year
twenty (20) year amortization amortization; fixed at 5.5%
450 bps swapped to a five year fixed
rate of 6.8% fixed for five (5) years with a twenty $500,000 line of credit; twelve (12)
(20) year amortization month revolving facility; WSJ prime
rate + 1%
December2010 December 2010 December 2010 January 2011
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16. Summary: Why JSKFC?
We Can Help
• Delivers unsurpassed service ensuring a smooth and successful close
• Provides access to a broad spectrum of potential capital sources
• Accommodates institutions and individuals with financing or creative "out of
the box" real estate loan alternatives
• Supports a typical turnaround time of 45 days
• Features a Non-Exclusive Contract highlighted by a broker fee that is only payable at
the time of settlement
“If The Deal Makes Sense, Let’s Do It”
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