There seems to be way too many options to get lending. Some are fast, some are slow, and some you just don’t understand. This week, we’re going to break down three different tools you can use to get commercial lending.

I had a lot of questions around the different types of lending, and while I usually talk to you about my own expertise and experiences, this time I thought I would speak to a lending expert as well as an investor to give you the best information possible regarding some different tools you can use when you’re looking to get some lending for your business.

The expert I spoke with is named Billy Brown, and he is one of the best experts in the industry on lending and also happens to be a friend of mine. He began as a mortgage lender in 2009 and started to ease into the investment side of things around 2014. In reality, he’s a commercial lender for real estate investors, and every now and then, he gets to do something with business owners. He provides guidance and access to what they’ll need to get their projects up and running.


What Billy emphasized was that lending is a tool, and you’ve got to have the right tool for the job. You can’t take a wall down with a knife and fork. You need a sledgehammer for that. Each tool has its own purpose and will give you the outcome you desire. The question you need to ask is, what are you trying to do? What’s the asset? Then you match that type of lending with the correct lender.

So, we broke it down into three different tools you can use for lending. The first one is SBA lending, which stands for Small Business Administration. SBA does not lend money. Instead, they only guarantee it for the banks. A lot of the time, this is going to be related to an owner-occupied startup type of deal where you’re going to buy a franchise or purchase a restaurant. The SBA will come in and guarantee a portion of that debt.


Next, we have Bridge Lending. This is when you need quick access to capital for your business, such as when you want to acquire a property or a piece of land. If you’re afraid you might miss a deal, Bridge Lending is the way to go. Unfortunately, it also comes with a higher interest, but sometimes that’ll be worth it.

Finally, we have Commercial Real Estate Lending. If you have a cashflow-producing asset, that’s where we break it down into each asset class, whether you have a mobile home park, an apartment, family home, etc. You’ll match a specific asset to a certain lender for your desired outcome.

As always, it’s important to have a supportive team in order to have a successful business investment, and your lender is going to be a huge part of that. This is what will improve your chances of getting what you need and following through on your commitments.

I sincerely want to thank Billy Brown for visiting us to talk about these three tools. You can find more about him and his team at You can find research, ask him questions, or get more contact information.


For those who don’t know me, I’m Billy Keels with KeePon Cashflow. I like to share a number of different strategies and tips for how you can make more money, have control over your free time, and ultimately live with less stress.

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That’s my two cents for today. As always, hasta la próxima.


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