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Commercial lender (U.S.)
In the United States a commercial lender offers loans backed by hard collateral. In most cases this is real estate, but it can also include factoring, non-conforming assets, or other sources of collateral.
==Commercial lending practices==
Commercial lenders include commercial banks, mutual companies, private lending institutions,〔(【引用サイトリンク】title=Private Lending Institutions Laws & Guide )by Personal Finance Institution Guide〕 hard money lenders and other financial groups. These lenders typically have widely varying standards on which they base their loan criteria and evaluate potential borrowers—but are often focused exclusively on the private market and have more lenient financial qualifications than banks.
Commercial lenders specialize in hard money and bridge loans, often those that close quickly, in as little as two weeks. The commercial loan industry is most often accessed through brokers, who provide an evaluation of a borrower and then recommend the loan to a number of different commercial lenders whom they feel will be most likely to fund the borrower's request. Going through a broker rather than directly through a lender may cause longer wait times for loan financing and more up-front fees. However, they can greatly facilitate the process and come up with innovative and unique ways to overcome obstacles that the borrower may not be able to access on their own.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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