Download and complete the following forms & Fax them to 1-888-400-1655 or E-mail to Submissions@ERMCommercial.com

►►► Loan Worksheet

►►► Required Executive Summaries

►►► Broker Sign Up  (Required)

ERM Commercial Inc. arranges Senior and Sub Debt commercial financing for companies and individuals that cannot obtain adequate bank financing.

The old joke goes: “You can get as much money as you need from a bank as long as you can prove you don’t need it.” Otherwise, you need our services. We have a direct relationship with an East Coast based financial consulting firm that specializes in arranging alternative financing for non-bankable commercial transactions throughout the United States. Functioning as a national clearinghouse, we represent hundreds of non-traditional money sources that are specifically geared to fund troubled or growing companies. These money sources are generally non-bank lenders that provide financing to companies and individuals seeking commercial financing who cannot obtain adequate capital to grow or run their business. Our principal has worked on thousands of difficult cases over a 13 year period (including Chapter 11 situations as well as developmental stage companies needing debt financing) involving hundreds of millions of dollars in financing.

Client Profile

Any company or individual that is unable to secure commercial financing through traditional sources, particularly if funding needs are immediate. Some examples are, developmental stage companies, companies with historical and/or current losses, companies with negative net worth or tax liens, companies in Chapter 11, healthy companies that need a more aggressive lender who will provide a larger credit facility, and companies where the principals have poor credit. Individuals who have poor credit or limited capital to make an acquisition of a commercial property or operating business may also find help through our lenders.

Helping Banks to Help Themselves

Banks receive their funds from depositors like you and me and therefore have a mandate not to take undue risks with the funds they lend.

ERM Commercial Inc. represents several hundred NON-BANK lenders located throughout the country that obtain their funds, not from deposits but rather from the sale of notes and bonds on Wall Street and through private investors. They are, therefore, able to take on more risk and provide financing for tougher transactions that do not qualify for bank financing. This includes companies that are in Chapter 11, that have losses or a negative net worth, or that may have a tax lien.

When the bank has a commercial borrower that is in violation of their loan covenants and is put into “workout” we can assist that bank by providing a replacement lender that will take them out. Loan size can range from as little as $100,000 up to well in excess of $100,000,000. Collateral can consist of any or all of the following: accounts receivable, inventory, equipment, or real estate. Intangible assets such as intellectual property may also be used to secure a loan under certain conditions. Bridge loans can often be arranged and closed in as little as two weeks.

Additionally, when the bank turns down a commercial loan applicant based on poor credit or too short a time in business, we may also be able to arrange for one of our lenders to provide the needed financing until such time as that account becomes “bankable.” In the meantime, the bank keeps the checking account and builds goodwill with the customer.