The Principal of Kredit Banque, John Giaimo, has been in Finance for
over 20 year. Kredit Banque offers domestic and International financing
for numerous types of property and projects. Our performance has
established us in the industry and enabled Kredit Banque to develop
direct relationships with conduit Wall Street Investment Bakers and
private investment funds. This benefits our Borrowers by providing
viable options and diverse avenues not available to consumers through
conventional commercial lending.
If John Giaimo, or anyone at Kredit Banque, can be of assistance please
do not hesitate to call or e-mail with questions.
The following is a synopsis of lending programs that we offer along
with finance types we lend on:
Fixed Rate Loans
Although Fixed Rate loans are a staple of the mortgage industry; many
opportunities exist for negotiation on mortgage lending terms,
especially interest rates, loan-maturity and prepayment penalties.
Because of our deep relationships with lenders, Kredit Banque can
provide the best fixed interest rates and additional terms in the
industry. Borrowers can feel secure knowing that the rate will not
change throughout the entire term of the loan. Kredit Banque's
experienced professionals know when to recommend fixed rate loans
through proprietary loan evaluation models.
Floating Rate Loans
A floating rate loan is typically indexed to the London Interbank
Offered Rate (LIBOR), which tracks and approximates the Federal Funds
rate. Many recent borrowers have chosen floating rate loans to take
advantage of the historically low interest rates of the past few years.
Floating rate loans often feature minimal or no prepayment penalties.
They are particularly attractive to buyers with a two to four year
financing horizon, such as acquisition of a property going through a
reposition or a turnaround. Kredit Banque can help borrowers exploit
these flexible structures for their immediate short-term utility or as
an astute means of strengthening their long-term strategy.
Construction Loans
Typically, Construction Loans are short-term loans utilized by
borrowers to finance building costs. Every construction loan varies
depending on the product, the length of the construction process, and
the borrower's experience. Kredit Banque can help builders find the
best source, rate and term for these often critical loans.
Mezzanine Loans
Whether it be structured as partnership debt, or preferred equity, a
mezzanine loan can be an integral component for a real estate owner or
developer in many diverse circumstances. The mezzanine typically equals
the difference between the first mortgage lending amount and 85-90% of
the purchase price. Kredit Banque has vast experience in evaluating
options for our borrowers in this increasingly utilized loan product
for a variety of real estate transactions.
Bridge Loans
All types of short-term financing can be accessed for complex or
challenging situations in terms of both timing and product. Designed to
be paid back relatively quickly, such as by a subsequent longer-term
loan, bridge loans can be a key component in a long-term strategy for
real estate borrowers. Kredit Banque has a wide range of sources for
Bridge Loans and can help borrowers understand all the nuances and
conditions as well as plan for the future.
Forward Commitment
Forward commitments continue to gain in popularity in the current
borrowing climate for real estate. This involves a commitment by a
lender to make a loan in the future, often with a predetermined
interest rate. Kredit Banque has developed many resources for forward
commitments and has experience in obtaining the optimal structure for
the borrower.
Renovation/Repositioning
Similar to a construction loan, a renovation loan may involve financing
for the specific purpose of upgrading an existing property in order to
project the desired image of a product or service to the market. Kredit
Banque lending professionals are able to help borrowers present their
renovation program to the right lending source and to plan and
consummate transactions in a timely fashion, with the best rates and
terms available.
We provide financing in the following areas:
* Please note we are a real estate based lender. We can assist in
consultation on various projects and referrals.
Acquisitions *
Apparel *
Automotive*
Bank Workouts*
Bridge Loans/Financing
Business Services*
Casino / Gaming Projects
Condominiums and Town Home Developments
Construction & Building Products
Consumer Products *
Energy-Alternative Energy *
Energy-Oil & Gas *
Energy-Power & Utilities *
Environmental *
Environmental-Waste Disposal *
Environmental-Waste Water *
Equipment Financing*
Factoring / Leasing Programs / Purchase Order Financing *
Financial Services *
Financial Services-Commercial Leasing *
Golf Courses
Hard Money
Healthcare *
Hi-Rise Apartments
Hospitals
Hotels/Motels
Infrastructure
Industrial Products*
Industrial Parks*
International
Land Loans
Master Planned Communities
Media *
Mergers*
Medical Office
Metals & Mining *
Mezzanine Financing
Marinas*
Mini Storage
Mobile Home Parks *
Mixed Use Properties
Multi-Family Dwellings
Office Buildings
Permanent Financing
Private Investor loans
Public Company *
Public Finance *
Resorts
Residential Home Loans
Retail *
Real Estate-Development
Real Estate-Finance
Restaurant & Food Service *
Senior facilities*
Ship Financing *
Shopping Centers
Small Business Loans*
Technology *
Telecommunications *
Transportation *
Venture Capital
Water *
Warehouses
John Giaimo, CEO
Kredit Banque Korp.
Tel: (206) 235-3184
Fax: (206) 350-5262
E-Mail: [EMAIL PROTECTED]
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