SmartChoice® Commercial Loan Application: Download PDF

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Teddy Roosevelt once stated that “real estate is the basis of wealth,” and his cousin Franklin added that it’s “about the safest investment in the world.”

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If small and mid-size businesses are going to be truly successful and increase their net worth (as they all hope to), then owning commercial real estate is key. In fact, most (if not all) business owners will tell you that they’d very much like to own their commercial property. It’s what some call the Next American Dream, after owning your home and being your own boss. But making commercial property ownership a reality isn’t all that easy — most banks require anywhere from 20% to 30% down, and they’ll rarely fix an interest rate for any extended period of time. Cash flow, it’s said, is the life-blood of any small business, and many business owners can’t afford to sink that much cash into their commercial property…no matter how great a long-term investment it is.

MCC is focused on helping owners of small and mid-size businesses fulfill their dreams of commercial property ownership with Smarter Financing.

That’s where we come in. Mercantile Capital Corporation (MCC) was founded by Chris Hurn and Geof Longstaff to help owners of small and mid-size businesses fulfill their dreams of commercial property ownership by providing Smarter Financing. Chris spent years in small business lending with several large institutions, and he came to realize how difficult it is for lots of small businesses to meet the capital requirements of ordinary bank financing. He also recognized the solution — a little-known and under-utilized SBA program called the 504 loan — and joined with Geof to establish a company that would fill the void by specializing in these loans. Geof’s 30+ years of banking experience provided additional insight and wisdom for the concept, and MCC was launched in late 2002.

Rebranding the SBA 504 loan as the SmartChoice® Commercial Loan, we began educating business owners and their advisors about more financing options than many banks are willing to reveal. With our SmartChoice® Commercial Loan, business owners can purchase their commercial property with as little as 10% down and maintain stronger cash flows by getting longer terms and below-market, long-term fixed interest rates. Initially, we were criticized for focusing on just one loan product — and a government-backed one at that. But over time, our dedication to serving small business owners the right way has proven to be the key to our success. We’ve worked with scores of business owners from all over the nation to help fulfill their dreams of commercial property ownership, and to do so with Smarter Financing.

It’s safe to say that MCC has become the acknowledged, go-to Experts nationwide when it comes to commercial real estate financing for small businesses.

Over the years, MCC has been featured in more than a few  business books and national publications, including the Wall Street Journal, the New York Times, BusinessWeek, Inc. magazine, Forbes, SmartMoney, Scotsman Guide, Franchise Times, Franchising World, Restaurant Finance Monitor, and Black’s Guide, to name a few.  Chris has also been invited to appear on Fox Business News four times, discussing small business lending in the current economic environment. Several members of the MCC Team are regular speakers at conferences and tradeshows across the country, and the company has also garnered a number of awards and accolades, including: being named to the Inc. 500/5000 list of the fastest-growing companies in America in 2009, 2008, and 2007; the SBA’s “Financial Services Champion of the Year” (2010 and 2006); the Orlando Business Journal’s (OBJ)“Best Places to Work” (2009, 2007, 2006, and 2005); NADCO’s “Banker of the Year” Award (2006); Coleman Publishing’s “Marketing Guru of the Year” (2007); the OBJ’s “Best Small Company in Central Florida” (2007); Seminole County (FL) Regional Chamber of Commerce’s “Business of the Year” (2008); Coleman Publishing named Chris to their list of “The Top 20 Most Influential People in Small Business Lending” (2008); and the OBJ’s “Outstanding Small Business” Award (2008).

You probably won’t find another website with more information on commercial property financing specifically for small business owners than this one. Take your time exploring these pages, and be sure to contact us when you or someone you know wants to purchase commercial property. We’re always only a phone call or email away.

Since Inception: Loans Closed New Jobs Created Total Project Costs Financed
As of 7/31/12 438 7,001 $1.03 billion