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SpinDistribute.com Article Directory

The following article was published in our article directory on January 1, 2010.
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Contingency Planning for Commercial Real Estate Loans

Article Category: Finances

Author Name: Stephen Bush

To help small businesses and commercial property owners avoid problems, contingency plans ("always have a Plan B") are likely to be helpful. But when it comes to working capital loans and commercial real estate loans, commercial finance strategies often fail to include adequate attention to contingency plans and what can go wrong.

One of the most entertaining and effective depictions of contingency planning is a movie called "Rare Birds". William Hurt is the star of this movie which includes several timely variations of the warning, "Always have a Plan B". For any business owner who doubts the importance of contingency plans, the movie will provide an enlightening perspective.

For a successful business, a Plan B mentality should be helpful to many business operations and not just financial ones. For business owners impacted by commercial financing such as small business financing and business mortgages, contingency plans are often overlooked.

Unfortunately many commercial borrowers probably (wrongly) assume that there are not realistic alternatives to the commercial real estate loan they need. With this thinking, business owners might believe that it would not make sense to devote time to exploring a contingency finance plan. Seeing the movie will help in reinforcing the importance of a Plan B.

Plan B contingency commercial financing can be thought of as like insurance which will cover a business if their existing financing fails. Two examples are provided below.

First, a surprising number of local and regional banks have recently decided to pull the plug on future business financing in their lending portfolio. Usually when banks recall loans, they do so with very little warning. A Plan B should be developed for the contingency that alternative business loan arrangements could be needed if a business has commercial loans or commercial mortgages with a regional or local lender.

Second, many small businesses have commercial loans that contain recall provisions that permit the lender to review the loan each year. Using the recall terms, lenders can eliminate marginal loans while they continue business financing for others. If they do, the borrower will need to pay off the entire loan or refinance within a limited period of time. One of the most disturbing aspects of these features is that the borrower loses all control even though they might have been making payments on time. If recall terms are included, a suggested solution for avoiding this possibility is to review current business loans and explore Plan B refinancing options.

Here is some closing encouragement for the potential situations where contingency plans might be appropriate for working capital financing and commercial real estate financing. "Always have a Plan B".

Keywords: commercial loans,business loans,working capital loans,finance,loans,small business,business

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