by Steve Mariani | Oct 1, 2020 | Newsletter
closing transactions that include a p.p.p. loan Now that the six-month payment incentive provided by the C.A.R.E.S. Act is over, let’s focus our attention back to closing a loan that has a P.P.P. attached to the business. By Steve Mariani OCTOBER 2, 2020 PDF...
by Steve Mariani | Mar 16, 2020 | Newsletter
understanding lender collateral values in 2020 When it comes to acquisition lending that includes a “goodwill” component, the consideration always turns to collateral values and what amount a lender might secure to minimize their exposure and comply with...
by Steve Mariani | Feb 11, 2020 | Newsletter
protecting outside investors when using sba financing Each year, a large percentage of our transactions will include one or more silent investors. These investors are typically willing to assist with the down payment, but will always prefer to limit their exposure to...
by Steve Mariani | Jan 11, 2020 | Newsletter
understanding lending coverage ratios We’ve all heard many of these terms before, but do you really understand a lender when they are telling your borrower that the 1.15 ratio is not in line? By STEVE MARIANI JANUARY 11, 2020 We have all heard these terms before, but...
by Steve Mariani | Dec 19, 2019 | Newsletter
Happy Holidays from your friends at Diamond Financial! As we usher in the new year with great celebrations and expectations for 2020, we want to take this moment to express our heartfelt gratitude to you, our brokers, our friends. By STEVE MARIANI DECEMBER 19, 2019...
by Steve Mariani | Nov 14, 2019 | Newsletter
can your buyer really afford a fixed rate loan? The calls come in almost daily here in our shop, with the first question at times being: can you offer a fixed rate loan? Our response is always the same: can you afford it? What many clients don’t understand, and/or are...
