SFF, Inc. offers a loan restructuring service that enables commercial borrowers with income properties/businesses to reduce their loan payments and/or obtain new loans.

How it Works:
First, we audit the borrower’s loan documents and business operations. 

We do this for two main reasons:

1. To develop a way forward plan so we can demonstrate that the borrower can thrive under the new loan proposal

2. To identify potential federal and/or state violations in the mortgage documents.
 
We then provide a written report that summarizes our proposal scenarios and also any findings regarding lending irregularities.  Our law firm which operates in most states can then begin the negotiation process with the lender.  If the lender chooses not to look at our proposal from a business standpoint, we have the option to present the audit findings to get the lender to return to the negotiating table. 

We also either simultaneously or sequentially begin evaluating alternative sources of financing via various commercial brokerage sources.  Our negotiations can result in restructured loans and/or NEW loans. Also, if required, our law firm can even sue the lender on the borrower’s behalf.

Attorney Negotiation - State List

Law Suit Litigation - State List

What Does the Audit Include?

A Commercial Loan Audit & Analysis involves a very comprehensive analysis of a business and its related property(ies) that are subject to the loan in question. The primary purpose of the audit/analysis is to obtain improved terms on an existing note. 

The analysis may include:

•    Commercial Lender Violation Review
•    Securitization Analysis
•    Cash Flow analysis
•    Market Analysis
•    Area Analysis
•    Business Relevancy
•    Competitive Environment
•    Net Present Value Assessment, and other assessments.
    

Additionally, the audit will include a summary identifying any irregularities and/or state/federal potentially unfair, fraudulent, or unlawful activities related to:

•    the original loan transaction
•    previous modifications
•    servicing practices, and 
•    collection practices

The Audit is a stand-alone report for commercial businesses.  The report can be provided to the borrower's attorney, and SFF will support all questions related to the results.  Alternatively, the borrower has the option of using our nationwide law firm to handle all lender negotiations.

Example/Excerpt of A Commercial Audit Report

The starting prices for most audits will be $3,500. Price is determined after the client submits their audit documents for review. The quote is free. Once payment and all documents are received, there is typically a minimum 2 – 3 week turn around time.

• Income Generating Businesses/Properties (with rents OR other revenue)
• The Property Must Also Have Mortgage Debt