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SpinDistribute.com Article Directory

The following article was published in our article directory on December 29, 2009.
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Golf Course Loans

Article Category: Real Estate

Author Name: Stephen Bush

Among the most problematic commercial finance situations for business borrowers is specialized commercial real estate. Difficult challenges for acquisitions and business refinancing are increasingly common for golf course business loans.

As a further complication for a difficult golf course business loan, fewer business lenders are currently willing to offer competitive small business finance terms. There has recently been a noticeable shrinkage in regional and local banks which offer commercial mortgage programs for golf course loans. Unfortunately this difficulty can also be seen with other specialized property financing including funeral home financing.

Borrowers should anticipate that the few active local and regional banks will probably offer short term commercial financing instead of a long term golf course business loan. Another key term that can vary significantly is the percentage of value for the commercial financing. Particularly with commercial mortgage terms for percentage of value and length of loan, it is of critical importance to avoid undesirable business loan terms when refinancing or buying a golf course.

There are several problems found in golf course mortgages that are not typically seen in other commercial loans. When golf course financing primarily entails business refinancing, business owners should expect that it will probably be more complex than acquisition business financing, especially in the current lending environment. The commercial real estate loan value is often less than the business value for golf course business loans. The problem with this disparity is that many business lenders will provide a business loan that includes only the commercial mortgage loan value, and this will produce significantly reduced business financing.

During the early stages of the business loan process for golf course financing, there should be some reasonable commercial financing fees. Many business lenders have used the reduced alternatives for golf course acquisition, building and refinancing to take advantage of business owners. Commercial borrowers should be aware that charging excessive early fees of $25,000 and higher is a common tactic.

As already noted, the availability of suitable lenders for this specialized type of business loan is shrinking. A viable commercial mortgage for golf course mortgages will depend upon a prudent choice involving the lender. While it is not an easy task, business owners must insist on a lender with the ability to successfully complete the complex business loan process and simultaneously avoid key commercial mortgage obstacles.

The use of a small business financing expert should be conducive to a better understanding of difficulties to anticipate in a complex commercial loan situation. Since golf course business loans are among the more difficult business finance transactions that a commercial borrower is likely to encounter, the use of preliminary business consulting should be helpful in obtaining better terms and avoiding serious problems.

Keywords: golf course mortgages,golf course business loans,golf course financing,real estate,loans,finance

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