Begin Loan Processing:

Most lenders must conform to standards set by government agencies. However, loan approval guidelines vary greatly depending on the terms of each loan. In general, approval is based on three main factors:

  • Income of the subject property
  • Value of the subject property, and
  • The borrower’s ability and willingness to repay the loan; credit history, etc.

Once your loan application has been received, we will immediately begin loan processing and underwriting. We will verify all of the information you have provided, and we shall update all of your financial statements, statements of real estate owned, rent rolls, operating statements, and more. Either the processor or your loan officer will troubleshoot to rectify/adjust/clear any issues or discrepancies. This information includes:

Income/Employment Check

Is the combined income of the subject property and your personal income sufficient to cover the requested loan amount monthly payments on a global underwriting analysis? We will carefully and diligently underwrite all documents and financial statements to make sure there exists sufficient income and assets to support the loan prior to any loan submission.

Credit Check

What is your ability to repay debts when due? We determine the type and terms of previous loans by reviewing your credit report, SREO, and mortgage statements. We consider any lapses or delays in payment. You must use a Letter of Explanation (“LOE”) to explain these issues.

Asset Evaluation

Do you have the funds necessary to make the down payment, pay all closing costs, and to still have sufficient reserves to meet the minimum reserve requirement for the requested loan? We will evaluate all such details and scenarios.

Property Appraisal

Is there sufficient value in the property? MAI® (Members of the Appraisal Institute®) appraiser determine current market value. They are the required commercial lender’s choice and are second to none in the industry. If the subject property is five (5) years old or less, the appraisal will be based upon three valuation methods. These are the Income Approach, Market Approach, and the Cost Approach. The appraiser will then reconcile the three valuations to make his final value determination. On the other hand, if the subject property is greater than 5 years old, the appraisal may only be based upon two methods of valuation. These would be the Income Approach and the Market Approach. The appraiser will then reconcile the two valuations to make his final value determination.

Other Documentation

In some cases, additional documentation may be required before making a final determination prior to receiving a loan commitment.

In order to improve your chances of receiving a loan commitment (in commercial loans, a loan commitment is the equivalent of receiving a loan approval on a residential loan):

  1. Fill out your loan application completely. You may use our online forms to expedite the process.
  2. Respond promptly to any requests for additional documentation especially if your rate is locked or if your loan is due to close by a certain date, such as in a commercial property acquisition/purchase.
  3. Do not move money into or from your bank accounts without a proper paper trail. If you are receiving money from friends, family or other relatives, please prepare a gift letter and contact us.
  4. Until the subject loan is closed, do not make any major purchases or apply for any other loans whether personal or business! Purchases cause your debts to increase and may have an adverse effect on your current application, credit scores, etc. During the loan application/processing period, if you find it necessary to make any financial moves, we would request that you contact us via email or telephone to discuss your desires prior to making any moves.
  5. It is best not to plan any out-of-town trips on or about your intended loan closing date. Sign a Power of Attorney if you plan to be out-of-town. You are authorizing another individual to sign on your behalf when your loan is expected to fund. Again, during loan processing, underwriting, and before the loan closes, it is best just to be diligent about requested paperwork/documentation, and to be available during business hours.


Eric D.
Pleasure to work with and extremely knowledgeable

Ronny was a pleasure to work with and is extremely knowledgeable. His hard work was never ending until the job was done. They handled a complex lease and guided us through entire process, including the paperwork. Not to mention a below market lease rate and more than all the features we needed in a site. We later used Assets America for a unique equipment financing deal where once again Ronny and team exceeded our expectations and our timeline. Thank you to Assets America for your highly professional service!

exp MFGroup
Great experience with Assets America

Great experience with Assets America. Fast turn around. Had a lender in place in 30 minutes looking to do the deal. Totally amazing. Highly recommend them to anyone looking for financing. Ronny is fantastic. Give them a call if the deal makes sense they can get it funded. Referring all our clients.

William P.
Assets America guided us every step of the way

Assets America guided us every step of the way in finding and leasing our large industrial building with attached offices. They handled all of the complex lease negotiations and contractual paperwork. Ultimately, we received exactly the space we needed along with a lower than market per square foot pricing, lease length and end of term options we requested. In addition to the real estate lease, Assets America utilized their decades-long financial expertise to negotiate fantastic rates and terms on our large and very unique multimillion dollar equipment purchase/lease. We were thankful for how promptly and consistently they kept us informed and up to date on each step of our journey. They were always available to answer each and every one of our questions. Overall, they provided my team with a fantastic and highly professional service!

Bob B.
The company is very capable, I would recommend Assets America

Assets America was responsible for arranging financing for two of my multi million dollar commercial projects. At the time of financing, it was extremely difficult to obtain bank financing for commercial real estate. Not only was Assets America successful, they were able to obtain an interest rate lower than going rates. The company is very capable, I would recommend Assets America to any company requiring commercial financing.

Ricardo L.
Assets America was incredibly helpful and professional

Assets America was incredibly helpful and professional in assisting us in purchasing our property. It was great to have such knowledgeable and super-experienced, licensed pros in our corner, pros upon which we could fully rely. They helped and successfully guided us to beat out 9 other competing offers! They were excellent at communicating with us at all times and they were extremely responsive. Having them on our team meant that we could always receive truthful, timely and accurate answers to our questions. We would most definitely utilize their services again and again for all of our real estate needs.

Assets America is a great company to work with

Assets America is a great company to work with. No hassles. Recommend them to everyone. Professional, fast response time and definitely gets the job done.

DAC Team
Great experience

Ronny at Assets America has been invaluable to us and definitely is tops in his field. Great experience. Would refer them to all our business associates.

MF Group
We were very pleased with Assets America’s expertise

We were very pleased with Assets America’s expertise and prompt response to our inquiry. They were very straight forward with us and helped a great deal. We referred them to all our business associates.

Manny C.
Worked with this company for decades

I’ve worked with this company for decades. They are reputable, knowledgeable, and ethical with proven results. I highly recommend them to anyone needing commercial financing.

David B.
Top-notch professional

Ronny was incredibly adept and responsive – top-notch professional who arranged impressive term sheets.

Monte M.
Assets America helped us survive a very difficult time

Assets America helped us survive a very difficult time and we most definitely give them 5 stars!

Brent G.
Gave me direction to go

Ronny was very friendly and though we were unable to make something happen at the moment he gave me some direction to go.

Allan E.
Highly recommend them for any type of commercial financing

My business partner and I were looking to purchase a retail shopping center in southern California.  We sought out the services of Ronny, CFO of Assets America.  Ronny found us several commercial properties which met our desired needs.  We chose the property we liked best, and Ronny went to work. He negotiated very aggressively on our behalf. We came to terms with the Seller, entered into a purchase agreement and opened escrow.  Additionally, we needed 80 percent financing on our multimillion-dollar purchase.  Assets America also handled the commercial loan for us.  They were our One-Stop-Shop. They obtained fantastic, low, fixed rate insurance money for us.  So, Assets America handled both the sale and the loan for us and successfully closed our escrow within the time frame stated in the purchase agreement.  Ronny did and performed exactly as he said he would. Ronny and his company are true professionals.  In this day and age, it’s especially rare and wonderful to work with a person who actually does what he says he will do.  We recommend them to anyone needing any type of commercial real estate transaction and we further highly recommend them for any type of commercial financing.  They were diligent and forthright on both accounts and brought our deal to a successful closing.