Remember This: There are a 1,000 of THEM and only ONE of YOU!!

It can be down right scary. What if I say the wrong thing? What if my credit score isn't high enough? What if he shoots holes in my business plan? What if she doesn't believe that I can increase the occupancy rate to 90%? Oh, I need to get this loan closed in 30 days or I'll lose this great opportunity. My lender won't call me back. Have you felt these emotions when you last dealt with your bank? In short, do you look or feel like the picture below when dealing with the commercial loan process?

Let me tell you a secret. A secret that your banker doesn't want you to know. You can now obtain your loan to buy that business or buy that property from ANYWHERE on terms Better than what your loan officer can give you. You can buy that property with the help of a private lender in California. A hedge fund in Texas will help you acquire your competitor. Why or how did this happen? Well I'll get to that later, but it's important to know more about this nasty little secret.

Why doesn't your banker want you to know this devastating secret? Because, if you knew this secret (and now you do!) then he or she would have to return your phone calls or worse they would have to close your loan on your time table, versus, the banks. Better yet, they wouldn't be able to make you jump through hoops with questions and documents only to say NO leaving you with no options, and no time to find another lender. Well, thanks to the globalization of finance, Main Street USA now has access to capital from Asia, Europe, and all over the United States.

See, despite what you see on television regarding the residential mortgage crisis or the collapse of Bear Stearns, the United States has one of the most efficient capital markets system. Even with all of its warts (savings and loans debacle of the 80's, the collapse of the hedge fund Long Term Capital Management as examples of our warts), the United States' financial system attracts capital from all over the globe.

What this means for you- the Main Street investor or business owner? Well, the massive amounts of capital invested in the United States continues to chase fewer and fewer larger transactions. This puts pressure on putting the money to work, prompting these capital providers to lower their loan size requirements.

So now, that real estate owner in Newington looking for $50,000 cash out on his properties can obtain his loan from a private lender in Pennsylvania who's largest investors are private banking clients from Europe.

So the next time you call your banker, I bet he or she will take your call. Suddenly, they're hoping you take their loan; hoping that they don't say something that will make you go elsewhere. Remember, there are 1,000 of them and only One of You. You're driving the bus.