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I sought a $1,000,000 line of credit to be used to buy investment real estate and the terms that you were able to achieve were in line with my expectation and you were helpful in bringing the loan package to closure. - J.G.


Monthly Archives: August 2012

Another Commercial Hard Money Loan Success Story


Capital Available for Hard Money Real Estate Loans

Another Commercial Hard Money Loan Success Story

The property owner had ran his trailer and truck repair business for over 20 years from the building he purchased in the early 90′s. The property was free and clear but the owner had suffered severe set backs due to current economic conditions. His credit had suffered and he owed for property taxes, IRS tax lien and needed to update some equipment and get some working capital and re-position his business for success.

AMUSA closed a hard money bridge loan for $ 250,000 with the following terms.

Term: 1 year

Interest rate: 14%

LTV 50%


AMUSA setup an interest reserve account so that the owner did not have to make monthly interest payments during the term.

AMUSA will work with the owner to improve his credit rating so that within the 1 year term, AMUSA will be able arrange permenent financing over 25 years at more market type rates.

Collateral Based Loans Replace Non Existant Bank Loans

Remember when business owners and commercial real estate investors were able to go to the bank and get cash when they needed it.  Well that is not the case in this environment.  Thousands of banks have been issued cease and desist orders by the Fed to stop them from making loans until classified assets (bad loans) are cleared off the books.

Not known to many business owners and commercial real estate investors is the availability of Private Capital for business purposes in the form of Collateral based loans.  Business and real estate owners can get $ 100,000 to $ 20,000,000 strictly based on the asset or collateral value of commercial real estate, heavy equiptment, accounts recievable, inventory and yes, even purchase orders, regardless of credit scores, income or financial stability.

Fore more information on these type loans go to

Commercial Real Estate Construction Loans Alive and Well at AMUSA

Most banks are not doing construction loans which has put a strain on the current inventory of new construction space for rental or purchase in the market.  The following is a case report that AMUSA Commercial Capital recently closed on a Commercial Construction deal in Houston.

The builder developer was at a stand still on the construction of a 12,000 square foot office warehouse project in Houston that he had pre-leased with a move in date of September 1st. His application at the bank had been stalled and was tied up in committee red tape.  The builder owned the building site valued at $ 250,000 free and clear and needed about $ 600,000 to complete the building project.  He contacted AMUSA late July and AMUSA closed the loan before August 1st which will allow the builder to meet his deadline for CO.  AMUSA used the existing bank appraisal to approve and close the loan.  AMUSA also arranged the permanent financing amortized over 25 years at 5.4% to take out the construction loan once the property has been completed and stabilized.


Working Capital Loan - $250,000

A local landscaping company was in need of new equipment and was challenged because the company had not established a credit rating. The owner had exhausted his personal credit to grow the business over the last several years and was unable to obtain more financing due to personal debt ratio issues. AMUSA approved a $30,000 equipment financing agreement within 48 hours of receiving a simple one page application, the last 3 business bank statements, and the equipment list on its "Application Only" Program. A medical testing lab in California needed working capital but had experienced credit problems due to slow paying insurance receivables. AMUSA was able to obtain a $ 250,000 working capital loan using free and clear medical testing equipment as collateral with great terms. We structured this transaction as a "sale leaseback" which has tax advantages for the business owner.

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