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Buying a business opportunity is likely to be an extremely challenging task when arranging the business loan. This is largely due to the usual lack of commercial property as collateral for the business financing to buy a business opportunity. When buying a business that does not include commercial real estate, business borrowers need to realize that business loan options will be greatly reduced in comparison to a business purchase that can be financed with a commercial mortgage.
The suggestions and advice in this commentary build upon commercial loan covenants that are commonly provided by commercial lenders willing to offer commercial financing throughout much of the United States for buying a business opportunity. There will often be various private financing scenarios in which the seller might be willing to wholly finance a business opportunity acquisition, and we will not attempt to discuss those commercial loan possibilities in this commentary.
Length of Business Loan to Expect When Buying a Business Opportunity
When purchasing a business opportunity, commercial loan terms will almost always include a reduced amortization period in comparison to a commercial real estate loan. A business loan term of ten years is normal, and that length of loan is likely to be tied to a requirement that the commercial lease will not expire before the loan matures.
Likely Business Loan Interest Rates to Buy a Business Opportunity
The likely range to buy a business opportunity is 11 to 12 percent in the present commercial loan interest rate circumstances. This is a reasonable level for business opportunity borrowing since it is not unusual for a commercial real estate loan to be in the 10-11 percent area. Because of the lack of commercial property for lender collateral in a small business opportunity transaction, the cost of a business loan to acquire a business is routinely higher than the cost of a commercial property loan.
Business Loan Down Payment Requirements for Buying a Business Opportunity
Although there will be variations based on the type of business and several other factors, a common down payment requirement for a commercial loan to buy a small business opportunity is 20-25 percent. The presence of seller financing might lessen the down payment needed to acquire a small business opportunity.
Buying a Business Opportunity - Business Loan Refinancing Options
A related business loan issue to anticipate when buying a business is that refinancing the business opportunity loan terms will normally be even more difficult than the original business financing. There are currently some new business loan programs in the final stages of development that could dramatically improve future refinancing options. But until these new business financing options are finalized, it is important to arrange the best possible terms initially and not depend upon refinancing possibilities.
Avoiding Problem Lenders When Buying a Business Opportunity
The selection of a commercial lender might be the most important phase of the business financing process for buying a business. An equally important task is avoiding lenders that are unable to finalize a commercial loan for buying a business.
By avoiding such lenders, commercial borrowers are likely to avoid many other business financing problems frequently associated with buying a business opportunity. Avoiding problem lenders will be instrumental to the eventual success of both the business loan process and the long-term financial health of the business being acquired.
Copyright 1995-2007 AEX Commercial Financing Group and Stephen Bush. All Rights Reserved.
BENXI, China, March 10 (Xinhua) -- Forward Sun Yue's seven three-pointers lifted Beijing to a 103-84 victory over Liaoning in Game 1 at the finals of Chinese Basketball Assoication (CBA) league here on Tuesday.
Beijing guard Stephon Marbury scratched Liaoning center Han Dejun in the right eye in the fourth quarter and forced Han to have a cure, giving Beijing a scoring run. Liaoning narrowed the gap to five points before the foul but then Beijing pulled off a 12-2 run to secure the win.
Beijing scored only three points in the first five minutes in the first quarter. After the timeout, the defending champions outscored the hosts 21-5 to close the first quarter 24-15.
Deon Thompson's nine points in the second quarter helped Liaoning to cut Beijing's lead to six points by halftime. Liaoning shooting guard Lester Hudson scored 10 of his team-high 26 points in the third quarter but Beijing had a 11-3 run in the final minutes of the quarter to see a 12-point edge into final period.
Sun Yue's four three-pointers in the final quarter brought Beijing their opening victory of the best-of-seven series and found the home-court advantage.
Sun finished with a match-high 27 points as well as eight rebounds, three blocks and five assists.
"It was not an easy game. We played good defense and it's impossible for Liaoning to win the game with only 84 points," said Sun Yue.
Five Beijing players reached double figures. Marbury had 22 and dished out nine assists. Randolph Morris contributed a double-double of 10 points and 14 rebounds. Zhu Yanxi scored 12 points, which all came from three-point shooting.
Liaoning only scored five three-pointers from their 23 attempts and was outnumbered in rebounded at 33-47. Hudson had 26 points, six rebounds and seven steals. Thompson scored only 12 while Yang Ming and Han Dejun combined for 24.
The second game will be played here on Thursday.
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