Independent commercial loan brokerage
Independent Agents of Finance reviews your financials, verifies your cash flow and structures your deal. Then we put it in front of the lenders who want it and negotiate rate, fees and prepayment terms on your side.
Start here
Individuals and companies seeking commercial real estate, business and equipment financing.
Banks, credit unions, life companies and private funds that want well-packaged commercial deals.
The process
We go through your financials: personal and business tax returns, financial statements, your debt schedule and your business history.
We verify your cash flow and structure the request the way a credit committee reads it.
Your Custom Lender Match Report maps your profile to the lenders most active in your asset class right now.
Lenders compete for the deal. We negotiate rate, fees and prepayment terms. The lender handles final underwriting, compliance and closing.
Why independent
Most business owners start at their local bank and assume the relationship manager is working for them. One bank can only offer its own products. When you source capital alone, you can end up accepting structures that quietly favor the lender.
Lenders compete for your business, which puts pressure on rate and structure.
Your financial profile mapped to the lenders most active in your asset class right now.
We negotiate to limit prepayment penalties, remove unnecessary fees and protect your long-term cash flow.
“If you happen to find a better deal on your own, I will always recommend that you take it.”
Jim McCausland, Principal and Founder
What we finance
National life companies that like commercial real estate.
Long-term apartment and multifamily financing.
Long-term loans on most commercial investment properties.
Community, regional and commercial banks, and credit unions.
For deals a bank won’t do but private investors will.
Why lenders trust the package
Before IAOF, I spent years on the lending side. I brought three banks out from under Cease and Desist orders, working closely with state and federal regulators. That is how I know what a bank looks for in a deal, and every package is built around it.
Questions
No. We are a middle person and consultant between you and the lender. The lender makes every credit decision and handles all compliance and document checks, including pulling credit. Our job is to prepare your deal, find the lenders who want it and negotiate on your behalf.
A single bank can only offer its own menu of products. We take your deal to many lenders and have them compete, so you can compare rate, fees, prepayment terms and structure side by side.
No payment is due until your loan closes, with one exception: if we have to create your internal financial statements, which an accountant normally supplies, half of our fee is due up front. The total fee never changes. The full fee schedule is on the How we’re paid page.
Take it. Our commitment is to you, not to the lender, and we will always tell you to take a better deal if you find one.
