We designtheplaces for moovers andshakers.

Yo um ay ha ve “herd” ab ou tN or th Da ko ta St at eU niv er si ty ’s Be ef Ca tt le Re se ar ch Co mple x, whi ch co nd uct sav as ta rray of ex pl or at io n re la te dt ot helon g- te rm he al th of ou rb ov in eb ud s. Fr omnu tr it io n to re pr oducti ve ph ys io log yt o animal be ha vi or to ge no mics , ND SU ’s st ud en ts ,p ro fessor s, an d re se ar ch ersha ve re ce nt ly stu di ed th ee ff ec toff oo dp ro ce ssi ng on bo dy we ig ht an dr umi na ti ng be ha vior ,t he ty pe so fd ie ta ry su pple me nt sn ec es sa ry fo rd ro ug ht ye ar s, an dt he re su lt sofn ut rie nt re stricti onon pr eg na nt cat tl e.

IS ITTI ME TO BU Y?

Th andc ha nges to bu si nesses andi nvestors.But with change comesoppor tu nity.Ascom merc ia lrea lestate(CR E) needs sh if ta nd evolve,now maybea nideal ti me to invest in CR Eownersh ip.Herea re afew tips to considerwhen seek ingfi na nc ing.

Thecoronav ir us pa ndem ic hasdel iveredmanyc ha llenges andc ha nges to bu si nesses andi nvestors.But with change comesoppor tu nity.Ascom merc ia lrea lestate(CR E) needs sh if ta nd evolve,now maybea nideal ti me to invest in CR Eownersh ip.Herea re afew tips to considerwhen seek ingfi na nc ing.

Positionyourself forsuccess.

Positionyourself forsuccess.

essent ia llya llowsban ks to issuebor rowers avar iable rate loanandswapit, prov id ingt he borrower afi xed interest rate.Thist ypeofloa nwork sbes tforlong-term loan sg reatert ha n$1m ill ion, wh ic hpai rs we ll with ma ny CR Ei nves tmentoppor tu nities.

essent ia llya llowsban ks to issuebor rowers avar iable rate loanandswapit, prov id ingt he borrower afi xed interest rate.Thist ypeofloa nwork sbes tforlong-term loan sg reatert ha n$1m ill ion, wh ic hpai rs we ll with ma ny CR Ei nves tmentoppor tu nities.

Lendersa re at trac tedtobor rowers with st rong cred it fu ndamenta ls,equ it y, andprovenC RE ex perience.Tohelp ensure your abilitytoobtainf unding,maintainlow leverage on existingprojects, andbuild astrongdue diligenceteam to prop erly ev aluate po te nt ia lacqui sition s. CR Esec tors includingretailand of ficespace areexperiencingdisruption andreorgani zation due to thepandem ic. Th is presents opportunities foracquisition andrepurposing,but requires ca refu leva luation toensureasol id invest ment.Multifamilyhousing andindustrialsectors canbemorerecession proof, but shou ld be examined forrecent concessionsa nd economicv iabi lity

Lendersa re at trac tedtobor rowers with st rong cred it fu ndamenta ls,equ it y, andprovenC RE ex perience.Tohelp ensure your abilitytoobtainf unding,maintainlow leverage on existingprojects, andbuild astrongdue diligenceteam to prop erly ev aluate po te nt ia lacqui sition s. CR Esec tors includingretailand of ficespace areexperiencingdisruption andreorgani zation due to thepandem ic. Th is presents opportunities foracquisition andrepurposing,but requires ca refu leva luation toensureasol id invest ment.Multifamilyhousing andindustrialsectors canbemorerecession proof, but shou ld be examined forrecent concessionsa nd economicv iabi lity

Util izeava ilable prog ra ms.

Util izeava ilable progra ms.

The cu rrentlow interest rate envi ronmentisnot li kely to cont inue fort he long term .For borrowerswho wa nt to lock in fixed,long-term lowi nterestrates, ma ny lenders of ferbac k-to-bac kswapprogram s. Th is mechani sm

The cu rrentlow interest rate envi ronmentisnot li kely to cont inue fort he long term .For borrowerswho wa nt to lock in fixed,long-term lowi nterestrates, ma ny lenders of ferbac k-to-bac kswapprogram s. Th is mechani sm

TheSma ll Bu si ness Ad mi nist ration’s 50 4L oa nP rogram ca nbeapower fu ltoolfor smal lbusinessownerslac ki ng equity.Bor rowers arerequi redtocontr ibutejust 10%, wh ilet he SBA prov ides4 0% andt helender prov ides50%. Theprogram prov ideslong-term ,fi xed-rate interest rates with no ba lloonpay ments. To qu al if y, borrowersmustuse fu nd sfor fixed assets.E xa mplesmay includepurchasing abui ld ingforyour bu si ness or an ex pa nsion.

TheSma ll Bu si ness Ad mi nist ration’s 50 4L oa nP rogram ca nbeapower fu ltoolfor smal lbusinessownerslac ki ng equity.Bor rowers arerequi redtocontr ibutejust 10%, wh ilet he SBA prov ides4 0% andt helender prov ides50%. Theprogram prov ideslong-term ,fi xed-rate interest rates with no ba lloonpay ments. To qu al if y, borrowersmustuse fu nd sfor fixed assets.E xa mplesmay includepurchasing abui ld ingforyour bu si ness or an ex pa nsion.

Pa rt nerw it ht he rightlender.

Pa rt nerw it ht he rightlender.

Ever yC RE loan st ruct ureisc ustomi zed, ba sedonfac tors includ ingter mlengt h, proper tyty pe,a ndow nership model. Fi nd alenderw it hC RE ex pert iset hatmatches your loan si ze andproject comple xity.Since ba nk s ma nage thea mountofC RE loan sont heir books,itis importanttoselec talenderw it hcapac it ytof undyou r loan .O nceyou haveident ified acompatiblelend ing pa rt ner, engage them ea rly.

Ever yC RE loan st ruct ureisc ustomi zed, ba sedonfac tors includ ingter mlengt h, proper tyty pe,a ndow nership model. Fi nd alenderw it hC RE ex pert iset hatmatches your loan si ze andproject comple xity.Since ba nk s ma nage thea mountofC RE loan sont heir books,itis importanttoselec talenderw it hcapac it ytof undyou r loan .O nceyou haveident ified acompatiblelend ing pa rt ner, engage them ea rly.

Fi nd apar tnersh ip that helpsyou rbusinesstakefl ig ht Visitw it hanA lerusbusinessadv isor today.

Fi nd apar tnersh ip that helpsyou rbusinesstakefl ig ht. Visitw it hanA lerusbusinessadv isor today.

Ev olve d.

Perfectly designedtothriveinitsenvironment. Adaptableenoughtoevolvewiththetimes. Buildingsmar tfor asolidfuture.It’ssecond natureatKLJ.

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