🧠 OUR APPROACH

Strategy First. Structure Second. Capital Placement Third.

Many clients contact us after hearing:

• “You just missed debt service.”
• “Your business type is outside our lending wheelhouse.”
• “Your tax returns don’t support the loan amount.”
• “Startup businesses require more operating history.”
• “Come back after you show more income.”

That does not always mean the deal is not financeable. It often means the deal needs the right capital source and structure.

We evaluate:

• Deal strength
• Property or business cash flow
• Borrower structure and tax strategy impact
• Industry and lender credit appetite alignment
• Timeline and urgency
• Exit strategy

If there is a realistic path to funding, we help structure and place the transaction with the capital source best aligned to the deal.

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👔 SELF-EMPLOYED & 1099 COMMERCIAL REAL ESTATE & BUSINESS FINANCING

When The Business Is Strong — But Tax Returns Don’t Show It

Many successful business owners use legitimate tax strategies that reduce taxable income.
Traditional banks often rely heavily on tax return income for debt service calculations.

We help evaluate financing options when:

• Business cash flow is strong
• Taxable income is reduced due to write-offs
• Business type is outside traditional bank lending focus
• Borrower just missed bank approval

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Common Client Scenarios

• Self-Employed Business Owners
• 1099 Income Borrowers
• High Write-Off Business Models
• Strong Revenue — Lower Taxable Income
• Bank Declines Due To DSCR
• Business Types Outside Traditional Bank Lending Focus
• Purchase or Refinance Commercial Real Estate

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🚀 SBA FINANCING (INCLUDING STARTUPS PROJECTIONS)

Certain SBA programs may allow startups to qualify using well-supported financial projections, management experience, industry background, and market support — rather than relying solely on historical operating results.

Most common when:

• Sponsor has strong industry or management experience
• Business plan is detailed and realistic
• Financial projections are supported by market data
• Adequate liquidity and capital injection are available

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Common SBA Scenarios

• Startup Businesses With Strong Experience
• Restaurant Acquisition or Startup With Experienced Operator
• Business Acquisition Structured As New Entity
• Owner-Occupied Commercial Real Estate For New Business
• Expansion Into New Locations

📞 Call to Discuss Your Project at (512) 358-1511

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💰 CORE FINANCING SOLUTIONS

1. Situation Review
We assess loan terms, maturity dates, DSCR, leverage, liquidity, and timing.

2. Strategy & Structure
We determine whether the best path is:

• Refinance
• Loan maturity extension
• Bridge take-out
• Debt restructuring
• SBA 7(a) or 504 financing
  

3. Lender Alignment
Using our Loan Matching Methodology™, we align your request with lenders whose credit box fits your situation — bank, non-bank, or SBA.

4. Execution Support
We assist through underwriting, lender questions, and closing coordination so expectations stay aligned.

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🏘 DSCR Investor Loans

Cash flow-focused qualification based primarily on property performance rather than personal income.

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🏢 Small Balance Transitional CRE Bridge ($1MM – $5MM+)

Designed for transactions where timing, structure, or borrower profile does not align with traditional bank credit models.

Used When:
• Borrower just missed bank approval
• Property or business is stabilizing
• Refinance timing issues
• Bank maturity pressure
• Structure needs transition period

📞 Call to Discuss Your Project at (512) 358-1511

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🏭 SBA BUSINESS & OWNER-OCCUPIED COMMERCIAL REAL ESTATE

Used For:
• Self-Employed Borrowers
• SBA Startup Financing Utilizing Projections
• Business Acquisitions
• Restaurant Acquisition or Expansion
• Owner-Occupied Real Estate Purchases

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⭐ CLIENT OUTCOMES

We frequently help clients who were told:

❌ “You just missed qualifying.”
❌ “You don’t debt service.”
❌ “Your business type is outside our lending focus.”
❌ “Startup requires more history.”

What Happens Instead

✔ Structure adjusted to match capital source requirements
✔ SBA projection-supported underwriting when applicable
✔ Bridge capital used to position for bank or SBA financing later
✔ Early exit strategy planning

Our role is to turn financing uncertainty into a structured execution plan.

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Client Success

🗣 John C., Hotel Owner – Colorado

“After being turned down by banks, we secured $6,003,000 in hotel construction financing with Karen’s help. Her understanding of complex hospitality projects made all the difference.”

🗣 John D., Restaurant Owner

“Three banks rejected us. Karen secured our SBA loan and guided us every step of the way. We’ve since expanded and grown revenues by 70%.”

🗣 Michael H., Apartment Investor

“Karen helped us refinance $6 million in apartment properties after a difficult transition. Her diligence and expertise were unmatched.”

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🧨 WHY CLIENTS WORK WITH US

We are not a rate quote shop.
We are a deal structuring and capital placement firm.

✔ Multiple Capital Channels
✔ Self-Employed & Non-Traditional Income Experience
✔ Real Underwriting Review
✔ Nationwide Capital Relationships

📞 Call to Discuss Your Project at (512) 358-1511

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🧭 WHO WE WORK BEST WITH

• Borrowers Who Just Missed Bank Loan Approval
• Self-Employed Business Owners
• 1099 Earners
• SBA Startup Borrowers With Strong Projections
• Restaurant Owners & Operators
• Commercial Real Estate Investors
• Borrowers Declined By Traditional Banks

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PROPERTY & BUSINESS TYPES

Property & Business Types We Finance

We work with a wide range of commercial and business assets, including:

• Multifamily & Apartments
• Self-Storage Facilities
• Hotels & Hospitality
• Assisted Living & Senior Housing
• Industrial & Warehouse Properties
• Office Buildings & Office Condos
• Owner-Occupied Commercial Real Estate
• Business Acquisitions & Partner Buyouts
• Working Capital for Established Businesses

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🏆What You Can Expect

• Clear guidance on realistic loan options
• Honest assessment of feasibility
• Strategic lender matching
• Fewer surprises during underwriting
• Support through closing

Our goal is not volume — it is successful execution.

📞 Call to Discuss Your Project at (512) 358-1511

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🧭About Karen Schimpf

Guiding Borrowers Who Just Miss Bank Approval Toward the Right Capital Solution

Karen Schimpf brings over 20 years of commercial lending experience, including senior roles with Chase, Wells Fargo, and Texas-based banks. She understands how lenders and SBA underwriters evaluate risk, structure deals, and make approval decisions.

Clients work with Karen because she:

Brings clarity to situations where timing matters most

Focuses on Just Missed Bank Loans, SBA & Self-Employed / 1099 Borrowers

Explains what lenders will require before issues arise

Structures deals for approval, not guesswork

Works directly with clients

Her Personalized Loan Matching Methodology™ combines experience, lender relationships, and practical guidance to secure the best outcomes for each client.

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As Your Strategic Advisor in a Complex, Evolving Credit Landscape

We go beyond securing financing — we help you build long-term financial momentum. At Commercial Capital Ltd., our mission is to connect you with funding that supports growth, stability, and opportunity.

⭐Ready to Review Your Financing Options?

If you just missed bank approval, it may still be worth reviewing structure before walking away from the opportunity.

📞 Call 512-358-1511
👉 Schedule a Strategy Call
🌐 ApplyCommercialLoans.com

Financing is subject to lender approval. Programs, terms, and availability vary by borrower and property. We work best with established business owners and investors seeking structured commercial or SBA financing.