Strategies for Managing the Commercial Loan Post-Closing Process

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After a commercial loan transaction closes, it’s easy to feel that all the important work has been completed, but the truth is there are many post-closing matters that still require the lender’s attention.

Often, the tasks that must be performed after a loan closing involve perfecting the lender’s collateral liens, and in many situations, lenders need the borrower’s cooperation in order to satisfy post-closing requirements.

However, borrowers are often eager to focus on managing their businesses, creating difficulty for the lender to redirect their attention back to the loan closing. Taking an opportunity during the closing process to define and communicate the responsibilities of each party, including post-closing expectations, can help simplify the cumbersome post-closing process for lenders.

A crucial step in an efficient post-closing process is letting borrowers know that their cooperation may still be required after a loan closes, which is why we recommend using a Post-Closing Agreement with all loan transactions.

These agreements outline specific requirements that need to be satisfied post-closing, and they provide an opportunity to manage the borrower’s expectations while informing them that they still have a responsibility to communicate and work with their lender after their loan closes. It is advisable that all post-closing requirements have specified deadlines listed in the agreement.

Another document we recommend lenders use is an Errors and Omissions Agreement. This document requires borrowers to provide additional information and execute additional documentation, as may be required by the lender after a loan closing.

The closing process presents several opportunities for mistakes to be made, including omitting certain documents from the closing document package, incorrect signatures on documents, and execution of outdated versions of documents.

The Errors and Omissions Agreement is a good way for all parties to agree to resolve these potential issues after closing.

An additional tool that lenders can use to help manage post-closing issues is the Loan Agreement. A good Loan Agreement clearly outlines each party’s ongoing responsibilities, and in doing so, helps manage the borrower’s expectations. Loan Agreements are particularly useful in more complicated transactions because the agreements can be tailored to fit various scenarios and include additional terms a lender may require.

The Loan Agreement may include events of default should the borrower fail to satisfy any post-closing requirements prior to the applicable deadlines.

Depending on the type of collateral involved in a transaction, there can be many different potential post-closing issues for a lender to track and resolve.

Real estate is a good example of a potentially complicated type of collateral to deal with post-closing because it involves ensuring mortgages get recorded properly, tracking receipt of recorded documents and final title policies, confirming the adequacy of title policies, and working with title companies to resolve any issues or unexpected exceptions that may appear on a final policy.

Automobile liens can also be especially tricky, and not only require the correct documentation from the borrower, but also may require substantial interaction with the DMV in the state where the vehicle is titled.

Additional post-closing responsibilities include review of executed loan documents, filing UCC financing statements, obtaining confirmation of UCC terminations, tracking financial reporting covenants, ensuring proper documentation is received in connection with draw requests, and following-up on collateral insurance expirations.

As complicated as the post-closing process can be, lenders can help ease the burden by utilizing Post-Closing Agreements,

Errors and Omissions Agreements, and Loan Agreements, all of which clarify the responsibilities of each party and help manage post-closing expectations with borrowers.


States Are Forcing Business Owners Into Technical Commercial Loan Default

States that are not allowing businesses to open are causing commercial mortgages and business loans to go into technical default even though they are not missing payments.

Most commercial and business loan documentation contains one or more financial covenants that will cause you to become in technical default including cash flow covenants, such as a debt service coverage ratio, a fixed charge coverage ratio, or an interest coverage ratio, leverage ratios comparing total debt to cash flow and liquidity covenants.

With continued shut downs of state and local economies many businesses will not survive.

What is technical default of a commercial mortgage?

A technical default will result in payment of the commercial mortgage or business loan to be made in full. If the business owner can not pay in full, the business and its assets are liquidated.

Some examples of commercial mortgage technical default.

Property Value
Lack of Cash Flow
Changing Type of Business
A Second Position Mortgage with Out A Subordination Agreement
Local Economic Factors
Force Majeure
Rise in Crime
Environmental Factors
Not Raising Rents or Rents Below Market Rates
The Business Not Being Properly Capitalized

Since business and life in general is about managing risk the economy should be opened sooner rather than later.

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10 Fundamentals Beginning Real Estate Investors Should Know

  1. The Cup Is Always Half Full

New real estate investors are very nervous on the first deal and start to panic at every obstacle. These emotions are natural considering most are spending their life savings on an investment property. Never let your emotions get too high or too low because both can cost you time and money.

  1. The Value Is in The Experience

Your first flip isn’t all about the profits. Many first-time investors won’t make a killing off of their first property, so it’s key to keep in mind that there’s also value in the time spent managing the acquisition and renovations, learning from mistakes and seeing the project through to completion.

  1. Setting Aside Working Capital Is Key

Many new investors fail when they are hit with unexpected and major expenses or income loss such as significant repairs or a major tenant vacating. To avoid this, make sure to set aside enough working capital in reserves to account for these problems so that you can carry the property through the tough times.

  1. Discipline Will Help You Stay on Budget

First-time investors are sometimes so eager to get started; they will abandon their set numbers. This may lead to overspending on the acquisition or on the improvements. My most disciplined clients won’t go over their set budget. What seems like a negligible amount can impact returns.

  1. Return Calculations Can Be Misleading

In commercial real estate, it is very common to advertise cash on cash returns, capitalization rates, and internal rate of return for investment properties. I wish more early investors understood how easily manipulated those figures can be and that you could provide 10 seasoned industry professions the same data and come up with a wide range of IRR estimates

  1. Lying Will Ruin Your Reputation

Reality TV shows are pure entertainment and do not accurately reflect investing, so don’t rely on them at all for your education. Get involved with people who actively invest in your local area.

  1. You Won’t Get Far Without Mentors and Partners

There are successful investors out there, right now, with decades of experience, who would be happy to help you on your journey. Find a way to add value for them, and in return ask if they can help you in your real estate investing business.

  1. Having the Right Team Is Priceless

Working with a well-seasoned professional team is key. Often, real estate investors are looking to rent out the property, but the first-timers don’t work with a team of professionals to think through cost estimates, financing options, profitability and different aspects of being a landlord or occupancy rates.

  1. The Details Are in The Contracts

I can’t tell you how many people I have known, including myself early on, that just trusted the personality running the deal, and never understood what they were investing in.

  1. Plans Are Useless, But Planning Is Indispensable

We see a lot of first-time investors purchasing investment properties. While there is a multitude of impactful factors, the end reason the project is being done is to make money. To keep everything on track and in perspective, create a Pro-forma (projected) profit and loss statement to determine the impact and timing of decisions and investments.


Commercial Financing In 30 Days No Advance Fees Winston Rowe & Associates

Real Estate Investing

Winston Rowe & Associates provides expert bridge funding with no upfront fees for commercial loans, office, hotel, industrial or retail properties.

They have service oriented professionals that give clients the due diligence and underwriting expertise required by today’s tougher lending standards.

Winston Rowe & Associates manages every step of the bridge financing process from document collection to commitment negotiation and closing.

Their best business practices process ensures that their clients receive lighting fast funding with the most aggressive rates and terms available.

Prospective clients can speak directly to a principle at Winston Rowe & Associates at 248-246-2243 or email them at  or check them out online at

Commercial Bridge Loan Financing Solutions:

• Never an upfront or advance fee

• All commercial property types considered

• Funding in two weeks (with complete submission)

• All 50 states

• Loan amounts start at $500,000 with no upper limit

• Financing available for purchase, refinance and cash out

• The maximum loan to value is 65%

• The most competitive interest rates in the industry

Winston Rowe & Associates takes pride in being one of the few bridge loan investments banking platforms in the nation offering access to billions of dollars worth of capital specifically meant for commercial real estate financing.

Winston Rowe & Associates provides no upfront or advance fee commercial bridge loans in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Commercial Bridge Loans and Hard Money Financing No Upfront Fees



Winston Rowe & Associates, a no upfront fee commercial bridge loan and hard money specialist offers borrowers an immediate financing alternative for short-term needs. Gap/Bridge financing, discounted mortgage buybacks, unpaid tax remittances, foreclosure workouts, bankruptcy resolutions (DIP) and short fuse opportunity financing.

Bridge Loan Financing Guidelines:

Never an upfront or advance fee
Financing available nationwide
Loan amounts range from $500,000 to $25,000,000.
Interest rates start at 10% interest only
Hard money loans can fund in two weeks with a complete loan file
Borrower must have a clearly defined take out (exit) in place
All commercial property types considered

At Winston Rowe & Associates, they offer their clients access to the most aggressive commercial real estate bridge (hard money) loans in the industry. Whether you are in need of short term financing, such as a bridge loan or hard money loan, or your needs are more long term such as construction or permanent financing, they will work with clients to structure a transaction that will meet or exceed your expectations.

Winston Rowe & Associates provides no upfront fee commercial bridge financing in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia,   Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Commercial Business Loans

Commercial Business Loans

If you are looking for a Commercial Business Loan for Commercial Real Estate, Winston Rowe & Associates can help you.

Commercial Real Estate investors seeking financing can contact Winston Rowe & Associates directly at 248-246-2243

Commercial Property Types Considered:

Mixed Use
Nursing Homes
Senior Apartments
Assisted Living Facilities
Shopping Centers
Truck Stops
Office Buildings
Automobile Dealerships
Day Care Centers
Golf Courses
Manufacturing Facilities

Their unparalleled service to its clients and is one of the fastest growing consulting firms in the commercial construction financing market. Their concise delivery is often imitated, but never duplicated.

Hotel Loans No Upfront Fees

Hotel Loans No Upfront Fees

Savvy Investors seeking Hotel financing are turning to Winston Rowe & Associates for their needs. They are a no upfront fee national commercial finance specialist with the experience clients need for fast funding of hotels for purchase or refinance.

They have an easy and straight forward streamlined underwriting process that enables their clients to finalize their transactions within 30 days or less.

Winston Rowe & Associates success is measured by their clients’ success, with their mission is to be clients source for the most appropriate – and advantageous – hotel financing that helps them achieve their goals.

Whether you are a seasoned investor or new to the market, Winston Rowe & Associates is there to help you explore your best options for hotel and hospitality financing.

Commercial Real Estate Loan Programs No Upfront Fees

Commercial Real Estate Loan Programs No Upfront Fees

Winston Rowe & Associates is a boutique commercial real estate mortgage consultant. They provide professional mortgage banking services with a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform, without upfront fees.

They have commercial real estate loan programs for bank discount note financing (cram downs), hard money bridge loans and conventional purchase and refinance programs. Savvy commercial real estate investors turn to Winston Rowe & Associates when they are in time sensitive situations and need to fund their transactions fast.

Commercial Property Types Considered

Motels, Hotels, Resorts, Apartments, Senior Housing, Mixed Use, Nursing Homes, Assisted Living, Facilities, Hospitals, Medical Buildings, CCRC, Nursing Homes, Shopping Centers, Strip Malls, Truck Stops,  Office Buildings, and Industrial Parks.

They always welcome prospective clients with credit issues.

Refinancing Apartments, Offices, Shopping Centers No Upfront Fees

Refinancing Apartments, Offices, Shopping Centers No Upfront Fees

Winston Rowe & Associates is a boutique commercial mortgage consultant that utilizes a private banking approach for commercial property financing, without upfront fees nationwide.

They have a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform, and a staff of seasoned, experienced professionals, that can have clients transactions funded within 30 days.

They can provide most client loan approval in 24 hours or less. They always welcome borrowers with income or credit issues.

Winston Rowe & Associates has a streamlined process for evaluating commercial real estate transactions that enables them to offer fast financing solutions to for the following situations:

Investment Purchase
Time Sensitive Close
Un-stabilized property
Unfinished construction
Bad Credit
Un-bankable property type
Foreclosure prevention
Chapter 11 / Debtor in Possession Exit Financing
Cash out (Case by case basis)
Bridge Finance
Hard Money Loans
Private Money Mortgages

Commercial Real Estate Mortgage, Loans, No Upfront or Advance Fees

Commercial Real Estate Mortgage, Loans, No Upfront or Advance Fees

Winston Rowe & Associates commercial lending programs provide an alternative to traditional bank financing, without the upfront fees that is ideal for borrowers seeking commercial real estate loans ranging from $2 to $100 Million.

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the commercial real estate mortgage business.

As a Nationwide commercial mortgage finance firm Winston Rowe & Associates has programs for up to 80% LTV financing to qualified investors/borrowers for all commercial real estate e types.

Winston Rowe & Associates custom programs are best suited for borrowers who want or require maximum leverage on commercial real estate loans for purchases, refinances or bank cram downs. Their innovative program features include; 48 hour pre-approvals, long terms and amortizations, quick 30 – 45 day closings, multiple pricing options, and zero upfront fees to their clients.

Winston Rowe & Associates Commercial Real Estate Mortgage Advantages Include

No upfront or advance fees
Loan to value 80%
Loan amounts from $1,000,000 to $50 million
Bank cram down financing
Refinancing (with limited cash out)
Close in 30 days with a complete submission

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be your source for the most appropriate – and advantageous – commercial financing solution that helps you achieve your goals.

Winston Rowe & Associates Loan Programs

Winston Rowe & Associates Loan Programs

A typical Winston Rowe & Associates client that would be accepted has financing needs from $2 million to $50 million and revenues ranging from $1 million to $250 million with a proven track record of success.

Winston Rowe & Associates considers most commercial real estate types and businesses, because the commercial financial markets are changing daily. We review transactions and accept clients on a case by case basis.

Debt, Equity & Mezzanine Financing

Mezzanine or sub debt is often desirable for companies who do not wish to disturb existing senior debt facilities or for those seeking additional liquidity.

Winston Rowe & Associates has solutions for debt and equity financing and refinancing, first-time financing, leveraged buyouts, management buyouts, divestiture financing, financing for rapidly growing companies, and assisting in acquisitions and mergers.

Bridge Loans

A short-term loan that is used until a company secures permanent financing or removes an existing obligation. This type of financing allows the user to meet current obligations by providing immediate cash flow. The loans are short-term (up to three years) with relatively high interest rates and are always backed by some form of collateral such as real estate or inventory. The maximum loan to value is generally 50%.

Debtor In Possession (DIP) Exit Financing

Companies facing corporate restructuring, bankruptcy, Chapter 11, and financial restructuring, can turn to Winston Rowe for their exit financing. Clients must have a clearly defined and proven exit strategy based on current asset value and cash flow to qualify.

Bank Discount Note Financing & Refinancing

Sometimes known as a Bank Cram Down, in today’s banking climate many businesses have been approached by their current lender to discount their current commercial real estate mortgage. Winston Rowe has both short and long term financing solutions. The maximum loan to value is generally 75%