We only do Commercial Loans

Top 12 Reasons to Contact ACE FINANCE for Owner-Occupied Commercial Property Financing:

1. Ninety percent (90%) financing of the total project costs for commercial real estate purchases. Utilizing our 504 loan program allows business owners to preserve more capital for other uses and gain the highest cash-on-cash return for their capital.
2. Businesses can save on interest expenses by not accepting market interest rates when below market, fixed interest rates are available with our 504 loan program.
3. Longer loan amortizations allow for smaller monthly payments, which have less impact on business cash flow. Furthermore, since prepayments are always allowed (generally up to 20% of the principal balance during the first ten years), business owners can have the best of both worlds -- smaller monthly payments for when times are tight, but able to prepay when excess cash is on hand.
4. When putting in ten percent (10%) equity, getting below market interest rates and having the benefits of longer loan amortizations versus traditional lending, business owners' cash flow is less impacted and they can still realize all the advantages of purchasing or constructing commercial real estate.
5. Owning commercial real estate instead of leasing typically has an immediate reduction of up to forty percent (40%) on real estate expenses, plus the added benefit of converting the third largest expense facing businesses into a fixed cost that does not increase by an average of three and a half percent (3.5%) each year like with renting.
6. Financing closing and other soft costs with our 504 loan helps keep out-of-pocket expenses to a true ten percent (10%) minimum when business owners make the decision to purchase commercial property and only want to spend the minimum amount of cash necessary in order to preserve more capital for other uses.
7. No balloon payments, calls or negative loan covenants enable borrowers to have more control, more peace of mind and less lender micro-management.
8. Closing in as little as 45 days allows business owners to take possession of their new asset and start reaping the advantages as soon as possible.
9. Dealing with a specialist in 504 loan financing makes the experience of buying commercial property simple and hassle-free. Twenty-four hour pre-approvals and four day commitments are another example of this.
10. Future sales of properties financed by our 504 loans are benefited by having assumable mortgages at today's historically low interest rates.
11. Our 504 loans can be made without disrupting your existing banking relationship because we do not require other banking products or services in conjunction with our 504 loans. We are a non-depository financial institution that only finances commercial real estate and/or equipment; we do not offer other banking products or services.
12. Our program provides small and mid-sized businesses advantages previously only known to much larger enterprises.