Capital Loan Program
offered through
Acadia Mortgage Solutions Inc.
What is the Capital Loan Program?
 Financing through Acadia Mortgage Solutions from an
institutional lender
 Specialized in small commercial & income producing
properties
 Programs designed to meet the needs of small business
owners & investors
 Equity-based lending (with a credit component)
 Loans always secured by the commercial real estate
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Acadia Mortgage Solutions Inc.
Traditional Money Sources
 Banks & Credit Unions
 Trust Companies
 Mortgage Bankers
 Investment Bankers
 Private Funding
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Acadia Mortgage Solutions Inc.
Capital Loan Program’s Place?
Traditional Lenders
CAPITAL
LOAN
PROGRAM
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Private Funding
Acadia Mortgage Solutions Inc.
Small Commercial Lending Arena
Traditional Lenders
Best Rates
Conservative LTVs
Capital Loan Program
Intermediate Rates
Higher Rates
Higher LTVs
Long Closings
Quicker Closings
Strong Credit
Wider Credit Range
Full Documentation
Private Money
Case-by-case LTVs
Fast Closings
All Credit Considered
Limited Documentation
Minimal Documentation
(Stated Program)
Environmental Phase I & II
Easier Environmental Process
Marketable Properties
Many Property Types
1 to 5 year terms
Mid-Term and Long-Term Solution
Environmental Varies
All Property Types
(min
2 yrs)
Cross- Collateralization
Strong DSCR (1.40 or more)
Dependent & variable based on
lender’s philosophy and business
goals
No Cross-Collateralization required
Reasonable DSCR
YOU ARE THE FOCUS!
This program is a stable solution that
specializes in small commercial mortgages
Short Term Loans / Temporary
Solution
Underwriting requirements
variable by investor
Inconsistent / Variable based on
many market factors
(programs are designed specifically for small business
owners, investors and business-for-self clients)
High Application /
Commitment Fees
Reasonable fees!
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High Application /
Commitment Fees
Acadia Mortgage Solutions Inc.
Traditional Lender Requirements
 Full document programs often require the following documents as a
minimum, sometimes just for a pre-approval…
Bank Credit Application
Lease Agreement
Background Information Sheet
Copy of Business License
State of Personal History
Equipment Listing
Management Résumé
Schedule of Business Debt
Personal Financial Statement
Environmental Phase 1 & 2
T4, T1, Notice of Assessment
Insurance Information
Financial Information: Business,
Personal, & Affiliate Tax Returns
Operating Statements
Rent Roll
…and more…
Copy of Purchase Agreement
The Capital Loan Program is a lower-document program
designed to consider the special needs of
small business owners and business-for-self clients!
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Acadia Mortgage Solutions Inc.
Who Needs the Capital Loan?
Clients under-served by traditional lenders due to:
 Inability / Unwillingness to provide business and personal
documentation
 Fast service required
 Too much credit exposure to the bank
 Loan requested is under bank’s minimum loan amount
 Requirement of significant cash out (Equity Take-Out)
 Higher LTV needed
 Secondary financing needed behind bank’s loan offer
 Changes in bank lending philosophy
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Acadia Mortgage Solutions Inc.
Who needs the Capital Loan?
As an alternative to private financing solutions due to:
 Need for higher LTV
 Need / desire for Lower Fees
 Need / desire for lower interest rate
 Need / desire for longer term
 Ability show improved credit situation
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Acadia Mortgage Solutions Inc.
The Capital Loan Program
Loan Amounts
$100,000 - $750,000
Property Types
 Multi-Family (5+ Units)
 Office
 Retail
 Automotive
 Mixed Use
 Light Industrial / Warehouse
 Self Storage
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Acadia Mortgage Solutions Inc.
Deal View # 1. . .
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

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
Mixed Use - $145,000
A+ Credit Borrower
LTV 75%
Owner Occupied
First commercial property
for this client
 Closed in 38 days
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Acadia Mortgage Solutions Inc.
Deal View # 2. . .
 Automotive - $435,000
 Owner occupied
 Bank not willing to
consider due to possible environmental
concerns with this type of property
 Local bank branch referred the client to
the mortgage broker
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Acadia Mortgage Solutions Inc.
Deal View # 3. . .





Retail / Office - $920,000
Borrower’s credit 685
LTV 70%
Investment property
Closed in 45 days
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Acadia Mortgage Solutions Inc.
www.acadiamortgagesolutions.com