Tips for Planning Business Meetings

It is always advisable to consult professional meeting planners if you dream of planning successful business meetings. These are professionals who are very knowledgeable and who are certain to make your event a successful one. It is not mandatory to seek the services of one however, since with a few guidelines, you can successfully plan a meeting. Below are quality tips to help you out.

The theme is very important. It is important that the agenda is compelling so that you can attract a lot of attendees. It is true many business people like to attend events, but no one is going to attend any event that sounds dull. Additionally, the agenda should have one theme to avoid overwhelming your attendees. Remember the theme is what holds your meeting together.

You have to choose a convenient date for the meeting. Even with the most appealing agenda in this world, a meeting that is not scheduled on convenient date is likely to be assumed. Depending on the main reason of the meeting, choose the best time for everyone. If it is a seminar for instance, scheduling it in the morning is advisable. Appreciations are best scheduled after work. Do not schedule them on holidays.

The guest list you compile must be an appropriate one. Remember that your business agenda must address a specific audience. It is therefore important that you carry out some research on any guests you would like to invite, to ensure they are well suited. If your meeting is open to the masses, get in touch with them as early as possible. Advisably, you should invite guests of similar rank like yours.

Make a point of inviting your guests as early as possible. This is one of the most crucial factors that determine the attendance you are going to get. In addition, you have to constantly remind them about it, especially those who have confirmed that they are going to attend. Come up with unique ideas to create excitement for the event.

The partners you choose must be reputable. This is a business meeting, and any business partners you choose must have the best reputation ever. Take your time to research comprehensively about any partners you would like to be involved with. Researching on the internet about a company is advisable, but it is not enough. Consider asking around about the company in question.

No meeting can be successful without a viable budget. Make a point of planning well in advance to avoid getting unpleasant surprises in the long run. If there will be food and accommodation, plan appropriately so that you know the amount of money the event needs. Equipment and labor are other things that should be planned for in advance as far as money is concerned. You should also set aside enough money for unforeseen expenses.

You have to be flexible when planning business meetings. Anything can happen and you need to know what to do. The equipment you have hired might not work, your chief presenter might get held up somewhere or maybe the caterers fail to show up. Prepare yourself for such incidents so as to tackle them well in case they arise.

Why Use A Commercial Mortgage Broker?

Value beyond expectations, that’s why.

If you have ever thought about financing a commercial real estate property, the thought of using a commercial mortgage broker may have crossed your mind. However, if you are like some people, you may have debated using a commercial mortgage broker based on the belief that it is more expensive to use a broker rather than go directly to a lender. This common belief is a myth.

The reality is that there are a number of ways in which you can save money by engaging a mortgage broker to provide you assistance with your commercial real estate financing needs and objectives. If you take the time to determine the value of using a commercial mortgage broker you will surely see that it is money well spent.

-Locating a Lender

Locating a lender to fund your commercial mortgage is not as easy as it may seem. Due to the wide range of property types, loan types, and special circumstances a single lender simply cannot offer loan programs for all potential loans. You may waste a considerable amount of time simply trying to find a single lender that offers the program you need. A qualified and experienced mortgage broker will have multiple lender relationships in place who can offer a wide range of lending options. Some brokers may even have relationships in place that give you access to hundreds of lenders offering an unbelievable amount of loan options.

-Risks in working with a single lender

You may spend the time and locate a single lender that can meet your needs, but you are not out of the woods yet. By working with a single lender or bank you are putting all your eggs in one basket as they say. The approval process can take a good deal of time that you may not have. Then what happens if the loan application is not approved by that lender? Can you afford to go through the process a second time risking a similar outcome? By working with a broker, your loan application can be submitted to multiple lenders. This not only increases the chances that your loan will be funded, but it also gives you and your broker more bargaining power to get the best deal.

-Cost Variations Between Lenders

One of the most significant ways in which you can save money by using the services of a commercial mortgage broker rests in the fact that there can be notable differences in the interest rates, costs and other fees charged from one lender to the next. A broker will help you in identifying the most reasonably priced options available from these different mortgage lenders. On first blush the cost differences from one lender to another may seem small. But remember, in most instances we are talking about loans in the millions of dollars. Even if the interest rate difference is minimal on the surface, over time this can add up to a significant amount of money.

-Brokers Specialize

Commercial mortgage brokers, especially the good ones, will often specialize in a certain property or loan type. The added experience provided by a specialist guarantees that they have experience with exactly the loan you are looking to secure. Each and every property type and loan type has its own set of issues and pitfalls so it pays to find a broker that services your individual needs. In comparison, if you have a problem with your plumbing you want a plumber, not a general contractor.

-Inherent Expenses of Searching on Your Own

People tend to forget that when they are devoting time shopping around looking for a commercial mortgage lender – or anything else for that matter – it takes you away from other pursuits, including money making pursuits. Therefore, you do need to keep in mind that by engaging the services of a commercial mortgage broker you free up more of your valuable time to engage in other efforts that are more profitable than aimlessly wandering around looking for a mortgage lender.

-Support Services

Another avenue through which a commercial mortgage broker can help you save money is through their existing relationships with other industry professionals. A good commercial mortgage broker has a preassembled network of professionals including appraisers, accountants, lawyers and other service providers that they work with on a regular basis. Not only do you not have to spend the time to find these required resources on your own, but often times you can get a reduced rate on the services due to the brokers existing relationship.

-Fees of Commercial Mortgage Brokers

You need to understand that commercial mortgage brokers appreciate that they are in a very competitive business. Therefore, these professionals are now taking great pains to make their services as affordable as possible. Don’t be afraid to negotiate the broker fee. And don’t be afraid to ask your broker questions regarding how they came up with the fee proposal. The good thing about using a broker is that they do not get paid unless your deal closes.

It is true that in the end, you do pay a fee for utilizing the services of a commercial mortgage broker. These fees can range from half a point to two points on conventional loans up to five or so points on a hard money deal. However, you will find, as many commercial investors have in the past, that working with a commercial broker will help ensure that your needs are met and that you get the best deal in the process. The bottom line is that what you are paying for is a professional on your side, someone to watch out for your best interests. Similar to the way a lawyer protects your interests in legal matters. You wouldn’t go to court without a lawyer, so don’t finance your commercial mortgage without a broker.

Brokering Commercial Mortgages – What It’s Really Like

Brokering commercial mortgages certainly can have its perks. It is generally viewed as a very prestigious profession and brokers get to deal with highly sophisticated borrowers on most of their transactions. The income potential is truly uncapped as well as some of the seasoned commercial brokers bring home over 7 figures. This is without having a lot of fixed expenses or a large support staff to manage. It’s no wonder that so many residential brokers are entering the market as their side of the business is still taking the brunt of the capital market woes.

However this is a tough and competitive business and one should not fool themselves that it will be a cake walk. Rather new commercial brokers need to be prepared and need to know exactly what they are doing. One of the main differences we hear from residential brokers is the lack of conformity from one lender to the next, in both process and underwriting guidelines. Also, the lack of broker protection is alarming to many newbie’s as they learn that many banks will not accept deals from brokers or allow them to get paid on the settlement statements. Rather some banks will expect brokers to get paid outside of close and directly from the borrower.

New commercial loan brokers have to become very efficient in all aspects of the business but especially in pre screening deals. Every time you work on a loan you are investing your time into it and if it has a low (or no) probability of closing you will quickly be hard pressed. It is so easy to work on un-fundable deals. Often the borrower has been through the “wringer” and will be very willing and pleasant to work with. All along they are playing poker with you and not telling you that they’ve been to 10 other banks and 3 other brokers and no one can get it done. So in protecting themselves they will waste your time. So, the successful broker will collect the whole package, sit down with it for 20 minutes and make a couple of decisions 1. Can I get this done? 2. If yes, do I want to work on this deal.

The most complicated part of prescreening loan requests is being able to extract all income out of the borrower’s tax returns that can be used to service the proposed mortgage. A lot has been written about calculating DCR (divide the NOI by the debt service) but how do you really get to the NOI. This is often more complicated on owner occupied transaction than on investment deals. This goes beyond just adding back depreciation or interest. The broker has to be very good at reviewing the entire set of tax returns, which on most owner occupant deals is a combination of personal, business and the real estate entities returns.

It’s important to remember that most deals get deigned due to lack of sufficient income.

The other major part of this is after the broker has a good understanding of the borrowers loan request, they need to know which bank or lender to take it to. Again this goes beyond just the banks matrix or published guidelines. The broker needs to know what the bank really likes. The last thing you want is the phone call from the bank, 3 months into the deal, that underwriting has canned the deal for BS, random reasons. And, unfortunately, this does happen all the time. Again you need to really know what the lenders appetite is and what they are really funding so you avoid this and get paid for all of your hard work.

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