LNB Commercial Capital
  Our mission is to provide a simple and effective way to capitalize on the Small Balance Commercial Real Estate Market. Our process makes it easy for residential brokers to earn great commissions in this market and for commercial brokers to realize revenue in finding small balance opportunities.

LNB Commercial Capital takes all the headache and guesswork out of the commercial loan process. We will help you identify and capitalize on the many commercial opportunities in your market. You can utilize our unique products and experience to benefit from this untapped and very profitable part of the business.

With a dramatic change in the residential market you can continue to grow your business with small-balance commercial loans from LNB Commercial Capital. Very profitable loans are at your fingertips. Call LNB Commercial Capital to start capitalizing on this fantastic opportunity. 

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Gauntlet Commercial Real Estate Capital, LLC. is a fully integrated investment banking firm that provides capital advisory services to commercial real estate investors throughout the United States and in select international markets.

Capital Markets:
Focusing on investment transactions with a minimum of $ 1 million, GCREC arranges senior debt, mezzanine, note purchase, and equity financing. With an aggressive approach and substantial expertise in debt and private equity placement, the professional team at Gauntlet pledges their knowledge of real estate and capital markets to structure solutions specific to the acquisition, repositioning, and permanent financing for all property types. 
Corporate Headquarters:
7150 East Camelback Road, Suite 444
Scottsdale, AZ 85251  Toll Free: 866.865.6647
Main Line: 480.941.3082
Facsimile: 480.947.3971 



TRANSACTIONS AT A GLANCE

$1,500,000 Fast Food Restaurant Debt Restructuring
Long Beach, CA
68% LTV
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$4,000,000 Warehouse building with Storage Yard Acquisition
Santa Fe Springs, CA
70% LTV
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$7,000,000 Warehouse Refinance
Oxnard, CA
66% LTV
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$2,000,000 Business Condo Refinance
Pomona, CA
72% LTV
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$19,000,000 Residential Development
Guynabo, PR
70% LTV
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$1,800,000 Medical Practice Acquisition
Indianapolis, IN
65% LTV
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$1,500,000 Refinance and Development
North Point, NY
51% LTV
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$3,850,000 Industrial Refinance and Development
Los Angeles, CA
65% LTV
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$6,000,000 Hotel Acquisition
Bristol, CT
65%LTV
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$7,000,000 Residential Lot Development
50%LTV
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$5,000,000 Warehouse Acquisition
Carson, CA
73% LTV
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$2,000,000 Grocery Store Acquisition
60% LTV


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$1,690,000 Grocery Store Refinance
Gardena, CA
55% LTV
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$1,000,000 Business Condo 
Oxnard, CA
72% LTV
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$4,000,000 Warehouse Refinance
Ventura, CA
46% LTV
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$1,600,000 Multi Family Acquisition
Atlanta, GA
58% LTV



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December Featured Lender

THE CAPITAL FUNDING GROUP
Debt and equity capital for buyers, developers, owners and operators of skilled-nursing facilities, assisted-living
facilities, acute-care hospitals, and multifamily propertiesCFG provides all forms of financing—short-term and long-term; debt, equity and leases—at all stages, from development and construction through purchase and operation.

Among its other distinctions, CFG is the leading provider of HUD/FHA-insured loans for healthcare. We even provide high-efficiency, web-based purchasing management services—vital to operating success.

Our knowledge of the business, and our experience with all dimensions of healthcare financing provide uncommon benefits to borrowers and strategic partners. One is expeditious processing, including HUD applications. Another is expert advice and guidance at every step.

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Oct. 28 (Bloomberg) -- U.S. regional banks are competing harder for commercial lending and may cut more jobs after leaning on a drop in credit costs to improve earnings.

“We’re getting to the point where there’s not a lot left to speak of,” R. Scott Siefers, an analyst at Sandler O’Neill & Partners LP, said of the lenders’ ability to continue reducing provisions for soured loans to bolster profit. Headcount reductions are the most efficient way to cut costs as they account for about half of a bank’s expenses, he said.

Third-quarter revenue at four of the five biggest regional lenders -- Regions Financial Corp., PNC Financial Services Group Inc., BB&T Corp. and SunTrust Banks Inc. -- dropped about a combined 5 percent. Revenue may hold steady or decline for the next two years if interest rates fail to rebound, said Brian Foran, an analyst at Nomura Holdings Inc. in New York.

“A lot of people are looking to 2013 as the big head- scratcher for bank estimates right now,” Foran said.

The lenders mitigated the revenue declines by setting aside less money to cover bad loans as fewer borrowers defaulted. BB&T, the ninth-largest U.S. bank by deposits, reserved 68 percent less for soured loans in the third quarter, compared with 46 percent for Pittsburgh-based PNC and 53 percent for Regions, based in Birmingham, Alabama.

Net revenue at U.S. Bancorp climbed 4.5 percent in the third quarter, and the Minneapolis-based company was the only one of the top five to post an increase.

‘Very Tough Road’

“This group is so heavily tied to the macro environment and the interest-rate environment that until you get something a little easier or a little better at that level, this is going to be a very tough road for the banking space,” Siefers said.

The regional banks are turning to commercial lending as declining wages and unemployment stuck above 9 percent continues to pressure U.S. consumers.

“Everyone’s crowding into the commercial and industrial lending space,” Siefers said.

Average commercial loans at U.S. Bancorp climbed 12 percent in the third quarter from a year earlier. Total commercial loans, excluding real estate, advanced 17 percent at PNC.

Regions, which posted a 13 percent increase in commercial and industrial loans, expects continued growth “even as economic uncertainty weighs on customer confidence,” Chief Executive Officer Grayson Hall, 54, said in an Oct. 25 conference call.

The burgeoning competition may make it harder for banks to wring profits from their expanding commercial-lending portfolios, according to Siefers.

‘Pricing Gets Whacked’

“You think of the amount of capital that’s in the industry and how many banks there are starving to generate loans, it’s inevitable that pricing gets whacked and terms and conditions start to get hit as well,” Siefers said. “While growth might be there on the C&I side, it’s less clear that the profitability is there.”

Hall said that Regions faces “incremental pricing competition,” particularly in middle-market lending.

Regions said this week that the company has 1,000 fewer employees than it did at the start of the year and Hall said he expects more headcount reductions by the end of 2011.

BB&T and SunTrust have announced cost-cutting plans. BB&T CEO Kelly King, 63, said he told business leaders at the Winston-Salem, North Carolina-based bank to “reconceptualize” their units. SunTrust CEO William H. Rogers said in July the bank is planning to cut $300 million in annual expenses by the end of 2013.

“The pressure cooker that they’ve lived in, and the change in their perception of what they have to accomplish, they all know they’re not going to get much on the revenue side, so they have to generate these savings on the expense side,” said Marty Mosby, an analyst at Guggenheim Securities LLC in Memphis, Tennessee.

--Editors: Peter Eichenbaum, Dan Reichl

To contact the reporter on this story: Laura Marcinek in New York at lmarcinek3@bloomberg.net.

To contact the editor responsible for this story: David Scheer at dscheer@bloomberg.net.

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