International Realty Advisors Announcement

Commercial Brokerage of value-add assets $10,000,000 or larger, Sale/Leaseback Financing on a Nationwide basis, and Loan Production with a number of Banks allowing me to expand my territory for loans to California, Arizona and Nevada.

I entered the Commercial Real Estate Arena in July of 1977. After learning the business at a small shop for two years, I spent five years with the Wallace Moir Company in Beverly Hills as a Broker selling single tenant office and industrial buildings. The next five years, I joined Sentry Financial Corporation where with two other partners we placed under contract value added Office Buildings in Los Angeles and flipped our contract to purchase in escrow to end purchasers. After the crash of 1990 we split up and I formed International Realty Advisors providing brokerage services to investors selling shopping centers, apartment buildings, and office buildings. From 2000 forward International Realty Advisors represents one client in the structuring of sale/leasebacks, and acquisition of absolute NNN leased Industrial and Office properties on a nation wide basis and completed close to $500,000,000 worth of transactions with that client. Overall, completed close to $1B worth of transactions.

As a Business Development Officer for EH National Bank in Beverly Hills I funded loans in Southern California for the Bank in the $500,000 to $3,250,000 range.

Specialties: Sourcing, underwriting, negotiating, structuring and monitoring of due diligence for the acquisition of commercial real estate and commercial loan production.

I look forward to hearing from you with your commercial real estate and loan funding requirements.

Alex

C. Alex Egidio
International Realty Advisors
523 East Maple Street, Suite 1
Glendale, CA 91205
CA: 00610667
818-627-7014
Email:cegidio1@msn.com
Website: http://www.linkedin.com/in/internationalrealtyadvisors/
Blog: https://aegidio.wordpress.com

WHAT IS AN SBA LOAN?

WHAT IS AN SBA LOAN?

An SBA loan is a loan for up to $5 million that is guaranteed by the government’s Small Business Administration. The SBA has a variety of loan programs that your personal business banker will help you understand.

By taking the time to get to know your business, we can put together the right loan or loans to help you get where you want to go.

7(A)

General purpose (real estate, equipment, business purchase, expansion)

Up to $5 million

504
Real estate

Up to $10 million

10% investment by borrower

USDA Business Loans

Purchase of real estate, machinery and equipment, or working capital

Up to $10 million

Must meet qualification of a rural area business

Express Loan

Up to $250,000

DO I QUALIFY?

SBA loans offer businesses like yours a great funding option because their qualifying standards are more flexible than other types of loans. Providing carefully prepared, up-to-date documentation will help:

•Balance sheets from the last three fiscal year-ends
•Income statements showing profits or losses for the last three years
•Cash flow projections indicating how much you expect to generate to repay the loan
•Accounts receivable and payable aging broken into 30-, 60-, 90- and past 90-day old categories
•Personal financial statements from you and your business partners listing all personal assets, liabilities and monthly payments
•Personal tax returns for the past three years.

To find out if an SBA loan is right for your business contact me. Every situation is different, let me help you determine the best approach.

Look forward to hearing from you,

Alex

C. Alex Egidio

International Realty Advisors
523 East Maple Street, Suite 1
Glendale, CA 91205
CA: 00610667
818-627-7014
Email:cegidio1@msn.com
Website: http://www.linkedin.com/in/internationalrealtyadvisors/
Blog: https://aegidio.wordpress.com

Internet Security Tips

Internet Security Tips

Keep your computer operating system up to date. If your computer is more than five years old, its operating system (e.g. Windows 98, OS 7, etc.) may not offer the same level of protection as newer systems. System manufacturers provide frequent updates to help make your system more secure. Some manufacturers supply updates automatically through email or via your Internet connection. You may also check their Web sites.

Use a current Web browser. In certain cases, the software you use to connect to the Internet (i.e. your Web browser) may eventually become unsuitable for sensitive transactions such as Internet banking. In order to maintain a high level of security, EH National Bank may not allow access to Internet Banking services when using browsers that do not meet our security criteria. You may need to upgrade to a supported browser.

Install a personal firewall. Though most office networks include firewall protection, your home computer may benefit from this added level of security. Check to see if your operating system already includes a firewall prior to purchasing a separate one.

Install and update anti-virus software. Commercially available virus protection software helps reduce the risk of contracting computer viruses that can compromise your security. These programs offer continuous upgrades in response to the latest threats.

Activate a pop-up blocker. Several free, publicly available programs exist that will block all pop-up windows from occurring while you are online. Perform an Internet search for “pop-up blocker” or look at the options provided by major search engines. You should confirm that these programs are from legitimate companies before downloading. Once you have installed a pop-up blocker, you should determine if it blocks information that you need to view or access. If this is the case, you should consider turning off the blocker when you are on Web sites you know use pop-windows to provide information you need or want to view.

Scan your computer for spyware regularly. You can eliminate potentially risky pop-up windows by removing any spyware or adware installed on your computer. Spyware and adware are programs that look in on your Web viewing activity and potentially relay information to a disreputable source. Perform an Internet search for “spyware” or “adware” to find free spyware removal programs. You should confirm that these programs are from legitimate companies before downloading. As with a pop-up blocker, you will want to be sure that your removal program is not blocking, or removing, wanted items, and if it is, consider turning it off on some Web sites.

Use secure Web sites for transactions and shopping. Be sure the Web page you are viewing offers encryption of your data. Often you will see a lock symbol in the lower right-hand corner of your browser window, or the Web address of the page you are viewing will begin with “https://…”. The “s” indicates “secured” and means the Web page uses encryption.
Avoid downloading programs from unknown sources. Downloads from unfamiliar sources may contain hidden programs or viruses that can compromise your computer’s security.

Disconnect from the Internet when not in use. Dedicated services such as DSL or high-speed cable provide a constant connection between your computer and the Internet. When not in use, disconnect from the Internet to avoid unwanted access to the information on your computer. Even if you have a firewall installed, this is an additional step you can take to help protect yourself.

Alex

C. Alex Egidio
International Realty Advisors
523 East Maple Street, Suite 1
Glendale, CA 91205
CA: 00610667
818-627-7014
Email:cegidio1@msn.com
Website: http://www.linkedin.com/in/internationalrealtyadvisors/
Blog: https://aegidio.wordpress.com

What SBA Offers to Help Small Businesses Grow

Link to Article: http://www.sba.gov/content/what-sba-offers-help-small-businesses-grow

What SBA Offers to Help Small Businesses Grow
What does SBA offer to small business owners? The programs are many and varied, and the qualifications for each are specific. SBA can help facilitate a loan for you with a third party lender, guarantee a bond, or help you find venture capital. Understanding how SBA works is the first step towards receiving assistance.

SBA’s Role
SBA provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.

Guaranteed Loan Programs (Debt Financing)
SBA does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by its partners (lenders, community development organizations, and microlending institutions). The SBA guarantees that these loans will be repaid, thus eliminating some of the risk to the lending partners. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty. SBA-guaranteed loans may not be made to a small business if the borrower has access to other financing on reasonable terms.

SBA loan guaranty requirements and practices can change as the Government alters its fiscal policy and priorities to meet current economic conditions. Therefore, you can’t rely on past policy when seeking assistance in today’s market.

Bonding Program (Surety Bonds)SBA’s Surety Bond Guarantee (SBG) Program helps small business contractors who cannot obtain surety bonds through regular commercial channels.

A surety bond is a three-party instrument between a surety (someone who agrees to be responsible for the debt or obligation of another), a contractor and a project owner. The agreement binds the contractor to comply with the terms and conditions of a contract. If the contractor is unable to successfully perform the contract, the surety assumes the contractor’s responsibilities and ensures that the project is completed.

Through the SBG Program, the SBA makes an agreement with a surety guaranteeing that SBA will assume a percentage of loss in the event the contractor should breach the terms of the contract. The SBA’s guarantee gives sureties an incentive to provide bonding for eligible contractors, thereby strengthening a contractor’s ability to obtain bonding and greater access to contracting opportunities for small businesses.

SBA can guarantee bonds for contracts up to $5 million, covering bid, performance and payment bonds, and in some cases up to $10 million for certain contracts.

Venture Capital Program
SBA’s Small Business Investment Company (SBIC) Program is a public-private investment partnership created to help fill the gap between the availability of growth capital and the needs of small businesses. The SBA does not invest directly in small businesses, relying instead on the expertise of qualified private investment funds. The SBA licenses these funds as SBICs and supplements the capital they raise from private investors with access to low-cost, government-guaranteed debt.

With these two sources of capital backing them, SBICs search across the United States for promising businesses in need of debt or equity financing. SBICs are similar to other investment funds in terms of how they operate and their pursuit of high returns. However, unlike other funds, SBICs limit their investments to qualified small business concerns as defined by SBA regulations.

Alex

C. Alex Egidio
International Realty Advisors
523 East Maple Street, Suite 1
Glendale, CA 91205
CA: 00610667
818-627-7014
Email:cegidio1@msn.com
Website: http://www.linkedin.com/in/internationalrealtyadvisors/
Blog: https://aegidio.wordpress.com