Atlas Alternative Finance
Atlas Alternative Finance

International Commercial Loan Programs

Whether your project is $5MM dollars or $500MM dollars Atlas Alternative Finance has the resources to properly structure and arrange funding for your deal. Through our available Large Project Financing Funding Sources we are proud to offer viable businesses and entrepreneurs a diverse array of funding options for both USA and international projects. These options include:

 

1.   Debt Financing

2.  Joint Venture Partnerships

3.  Equity and Debt hybrid Financing

4.  Business Expansion Financing

5.  Hard money

6.  Construction loans

7.  Transactional Funding

 

Commercial Real Estate & Development Loans

All financing options available for both USA & international projects.

Real Estate Types Financed

Apartments • Bridge Loans • Churches • Condo and Town Home • Developments • Congregate Care Facility • Factories Full Service Major Flagged Hotels • Golf Courses • Hospitals • Industrial Warehouses • Manufacturing Plants • Marinas • Master Planned Communities • Medical Office • Mixed Use • Mobile Home Parks • Multi-Family • Nursing Homes • Office Buildings • Parking Structures • Residential Development • Resorts • Retail (both anchored and unanchored) • Self Storage Facilities • Senior Housing • Shopping Centers • Strip Malls • Theme Parks • and much more.

 

Our key areas of focus right now are $5MM dollors and higher funding requests for all phases:

 

1.  Large real estate development projects
2.  Alternative Energy financing
3.  Oil, Gas, Renewable Energy
4.  Joint Ventures involving real estate
5.  Asset-based loans, including In-Ground Assets -Mining
6.  Corporate expansion and acquisition Financing
7.  Construction/Developments

8.  Motion Picture Financing
9.  International Funding

 

International Infrastructure Financing

Atlas Alternative Finance is seeking viable international and domestic infrastructure projects that need funding.  Developers must demonstrate previous experience in successfully completing projects of similar size and scope.  Infrastructure projects generally need to be able to show that there is no opposition to the development by local government authorities.

 

International infrastructure projects may include but are not limited to the following:

 

1.  Large commercial real estate developments

2.  Power plants and renewable energy plant construction

3.  Bridges, dams and water systems

4.  Public transit systems and toll roads

5.  Convention centers, stadiums and sports complexes

6.  Airports and seaports

 

International infrastructure financing projects must be able to demonstrate financial viability and must be sufficiently outlined for prospective funding sources to make expeditious assessments.  The project must be "shovel ready" at the time of the application. 

 

As with all funding requests, we require a brief executive summary in English and preferably converted into U.S. dollars as the first step in our analysis of viability of any international infrastructure project.

Eligible Countries 

Albania, Andorra, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, the Bahamas, Barbados, Belarus, Belgium, Belize, Bolivia, Brazil, Bulgaria, Cambodia, Canada, Cabo Verde, Chile, China, Colombia, Costa Rica, Croatia, Curacao, Cyprus, Czechia, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, Estonia, Fiji, Finland, France, Georgia, Germany, Greece, Grenada, Guatemala, Haiti, Holy See, Honduras, Hong Kong, Hungary, Iceland, Ireland, Israel, Italy, Jamaica, Japan, Kosovo, Laos, Latvia, Lithuania, Luxembourg, Macau, Macedonia, Maldives, Malta, Marshall Islands, Mexico, Micronesia, Moldova, Monaco, Montenegro, Nepal, Netherlands, New Zealand, Nicaragua, Norway, Oman, Panama, Paraguay, Peru, Poland, Portugal, Romania, Russia, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Serbia, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Trinidad and Tobago, Turkey, Ukraine, United Kingdom, United States of America, Uruguay, Uzbekistan, Vanuatu, Vietnam.  

 

*Please note eligible Countries are subject to change due to political or economic reasons. We have no lenders for Bangladesh or the continent of Africa. 

 

Alternative Energy 

.

RENEWABLE POWER FINANCING TYPES:

 

  • Algae to Biofuel Plants
  • Anaerobic Digestion Plants
  • Biodiesel Plants
  • Biomass Plants
  • Coal to Liquid Plants
  • Liquefied Natural Gas (LNG) Projects
  • Solar/Photovoltaic Plants
  • Waste to Energy Plants
  • Wind Farms
  • Other Green Renewable Energy Projects, Geothermal, Hydroelectric, etc. 

 

Our Lenders, Investors and Funding sources prefer that a Client have at least 5 to 10% in cash invested in the project already or proof that they have it available to invest. Otherwise, our sources may be able to structure the financing of the project with 1) a Joint Venture Program; 2) Debt financing and Equity Capital; or 3) financing based on Contract Funding based on an executed PPA.

International Renewable Energy

INTERNATIONAL RENEWABLE ENERGY PROGRAM HIGHLIGHTS

 

  • $3M Minimum Funding Request Requirement
  • For both USA and International projects (USA-friendly countries)
  • For either shovel ready development projects and existing projects
  • Fully capitalized lease for the term of the Power Purchase Agreement (PPA) or off- take agreement (at least 10 years; preferable is 20 years or longer)
  • Credit underwriting is based on the credit worthiness of the PPA or off-taker (with a BBB rating or better)
  • Funding of up to 100% of the capital needed for the project based on projected cash flow 
  • Time to Closing-60 to 90 days
  • Prefer take-or-pay PPA or off-take agreement  - The off-take agreement is in a take-or- pay format or there is a rated insurance company or bank payment guarantee that will insure the payment performance of the off-taker
  • Client must have an experienced Management Team

Simply forward your executive summary to our attention for immediate consideration. Upon review we will work to find you the most appropriate funding partner within our wide and well-financed network, which includes a variety of International Project Financing lending companies.

Disclosures:

We recommend you have an attorney at the time of application and throughout the entire process.   The information on this site should not be considered as legal advice or opinion.  We are not a direct lender.  We arrange financing.

 

We are not a United States Securities Dealer, Broker or US Investment Advisor.  The purpose of this site is to provide general information.  The information contained herein is intended solely to give a general indication of possible available loans and does not constitute a solicitation to enter into a transaction.  Although we pride ourselves on arranging financing for every situation, there are some transactions that are simply not viable enough to fund.

 

We do not send out marketing emails.  If you receive a marketing email containing a name similar to Atlas Alternative Finance from an email address ending in anything other than @atlasalternativefinance.com, it is not from our company.  We only use emails ending in atlasalternativefinance.com. 

Glossary

Acquisition and Development Loan (A&D Loan): This is a loan that provides for the purpose and the preparation of raw land for subdivision use. It may also be used in the development of income property land. It usually includes the streets and all utilities. The source of repayment is a construction loan or sale of the property. Atlas Alternative Finance arranges financing on Acquisition and development loans.

Adjustable Rate Mortgage (ARM): A mortgage which permits the lender to adjust the rate of interest upwards or downwards in accordance with a specified index.

Alternative Finance: Alternative Finance is a term used to refer to financial products provided by funding sources outside the traditional banking industry.  This could include private money sources, institutional investors such as hedge funds, pension funds, insurance companies and hard money lenders. Atlas Alternative Finance can arrange this type of alternative financing through its non-traditional funding sources.     

Apartment Building: A type of property intended for permanent residents who lease a specific space or unit. Payment for use of the space is referred to as rent.

Assisted Living: Assisted living refers to providing the elderly various services that they are no longer able to do independently; for instance, food preparation, cleaning, and personal hygiene. However, care provided in an assisted living facility does not rise to the level of nursing home care, since the elderly using assisted living services are still somewhat independent.

Bank Guarantee: A bank guarantee is a situation in which a financial institution promises, or guarantees that the debtor will meet their debt obligation to other lenders and creditors, and if not, the guaranteeing financial institution will fulfill it. This helps a potential business owner, or one that is expanding to have a credit line to get more supplies, inventory, equipment and whatever it takes to grow or expand a business.

Bridge Loan: A bridge loan or bridge financing is a loan that spans a gap between two other loans. A bridge loan can arise if a builder decides to pay off the higher interest construction loan but not sell the project for few years, when he feels the interest rates will improve. This type of loan is usually outstanding for two to five years and can be prepaid with little or no penalty.  Atlas Alternative Finance can arrange bridge loan financing.

Business Finance: Business finance is a term that includes a wide range of activities and disciplines involving the management of money and other valuable assets. 

Business Funding:  Is the act of a lender who provides capital to a business in the form of a loan to help the business achieve its goals.  

Business Loan: is a loan specifically intended for business purposes.

Commercial Mortgage Backed Securities (CMBS): Securities sold to investors which are collateralized by commercial mortgages. Mortgages are pooled, securitized and sold to investors.

Commercial Real Estate Loan: (CRE) is debt-funding for income producing real estate that is used solely for business purposes, such as retail centers, office complexes, hotels and apartments.  Financing, including the acquisition, development and construction of these properties is typically accomplished through commercial real estate loans.  Commercial loans secured by liens on commercial property.  

Community Shopping Center: A shopping center, usually a strip, housing at least two anchors – typically a supermarket and a discount retailer. Community shopping centers range from 100,000 to 300,000 square feet according to the ICSC.
Convertible Mortgage: A mortgage (usually 10 years) where the lender also retains the option to call the loan or assume a percentage of the equity in the property (in some cases it may be 100 percent) at some specified point during the loan term. Convertible mortgages are usually used only for commercial properties. The lender is usually a pension fund or other tax exempt entity. The loan usually covers all costs and sometimes includes a cash bonus for the developer.

Conduit: An aggregator of commercial mortgage loans. A conduit generally aggregates commercial loans and then arranges for the securitization of those loans and the sale to Wall Street.

Commercial Loan - A debt-based funding arrangement between a business and a financial institution, typically used to fund major capital expenditures and or cover operational costs for business. 

Commercial Construction Loan - A short-term loan used to finance the construction costs of a commercial building. 

Congregate Care: Congregate care refers to multifamily housing, living units designed for seniors who pay some congregate services as a part of the monthly fee or rental rate and who require little, if any assistance with activities of daily living.

Construction Loan: A Construction loan is a loan for the purpose of constructing new property or an addition to existing property. A construction loan is a short-term loan, usually less than two years; funded through a series of draws as construction occurs. Construction loans are often interest-only loans with the interest capitalized. The interest rates on these loans are often variable, using such things as an index and a margin over the index.  Atlas Alternative Finance can arrange construction loan financing.

Co-op: Where an association (a corporation) owns a housing unit and members rent from the association. Members have the right to rent by virtue of the membership in the association. When members leave the unit, they can sell their membership to outsiders, but the outsider usually must be approved by the association.

Credit Company: A credit company is a lending organization whose source of funds is the stock market, the commercial paper market, commercial banks and the bond market.

 Equity: The ownership interest in a commercial property, generally expressed as the difference between the value or cost of a property and the outstanding balance of any indebtedness on the property.

Debt/Equity Combination Mortgages: Where the lender requires a share of the equity in a project as well as interest and repayment of principal. Atlas Alternative Finance arranges financing for debt & equity.

Debt Service: The principal and interest required annually, quarterly or monthly by note.

Debt Service Coverage (DSR) Ratio: Mathematical equation used by lenders to determine the amount of mortgage payments a building’s cash flows support.

Debt Yield Ratio: The Debt Yield Ratio is defined as the Net Operating Income (NOI) divided by the first mortgage debt (loan) amount, times 100.  What it tells a lender what the cash-on-cash return on its money if it foreclosed on the commercial property on day one. This ratio does not even look at the cap rate used to value the property.  It does not consider the interest rate on the commercial lender’s loan, nor does it factor in the amortization of the lender’s loan. The only factor that the Debt Yield Ratio considers is how large of a loan the commercial lender is advancing compared to the property’s NOI.  Commercial lenders want to make sure that low interest rates, low caps rates, and high leverage don’t push real estate valuations to sky-high levels.

Defeasance: Defeasance is a method for reducing the fees required when a borrower decides to prepay a fixed-rate commercial real estate loan. Instead of paying cash to the lender, the defeasance option allows the borrower to exchange another cash flowing asset for the original collateral for the loan. The new collateral (normally Treasury securities) is usually much less risky than the original commercial real estate assets. In this scenario, the lender is a far better off because it receives the same cash flow and in return receives a much better, risk-adjusted investment. Although the benefit of defeasance for the lender is obvious, the borrowers can create value and put cash in their pockets at prepayment.

Federal Housing Administration (FHA):  A government agency which insures mortgages.

Fed:  The Federal Reserve System includes 12 regional reserve banks and a board of governors (The Fed) in Washington, D.C.  The Fed supervises its member banks, issues regulations aimed at promoting sound banking practices, makes loans to banks in temporary need and controls the money supply.  Reserve banks hold member banks’ reserves and issue new currency (Federal Reserve Bank notes).

Federal Home Loan Mortgage Corporation (FHLMC, Freddie Mac):  Freddie Mac buys conventional loans from S&Ls, banks and mortgage bankers.  Most of the loans bought by Freddie Mac are packaged into pools and sold to investors as securities (called Participation Certificates or PCs).  Freddie Mac also guarantees pools of mortgages held by local lenders (PC swaps).  Local lenders can then sell the PCs as securities and not mortgages.

Foreign Exchange Rate:  The conversion of one currency into another.

Federal National Mortgage Association (Fannie Mae):  Fannie Mae buys conventional loans from banks, S&Ls and mortgage bankers.  It packages some of the loans as securities and then sells them to Wall Street investors.

Fixed Rate Mortgage: A loan with a promissory note that reflects an interest rate that remains constant for the entire term.

Federal Deposit Insurance Corporation (FDIC):  An agency of the federal government which insures accounts contained in member institutions and repays the depositors in the event that the bank or S&L should fail.  In the event of a failure, the FDIC will total all of a person’s deposits in the institution, including savings accounts, checking accounts, CDs and other deposits and reimburse for loss up to a maximum of $100,000.

Floating Rate Mortgage: A loan with a promissory note that reflects an interest rate that may be adjusted periodically. For example, the interest rate on certain commercial loans may be tied to a short-term index rate like prime or LIBOR (London Interbank Offered Rate).

 

Gap Financing: An interim loan made to provide funding during the time between the end of a loan extended during the development stage of a project and the beginning of the permanent mortgage extended to the buyer.

Government National Mortgage Association (GNMA, Ginnie Mae):  A HUD agency.  GNMA attracts capital into the mortgage market by guaranteeing pools of mortgages that have previously been guaranteed by FHA and VA with a U.S. Treasury guarantee.  GNMA also buys below-market-rate mortgages which are federally subsidized or are part of a guaranteed housing program for low and middle income families.  The agency sells these loans to FNMA or other investors at market rates, absorbing the difference as a housing subsidy.

 

Industrial Property: Property used for industrial purposes, such as factories.

Industrial Revenue Bond (IRB):  A bond to be used for the construction or rehabilitation of public buildings and installations which is to be retired by the income from the building or installation.  IRB income is exempt from federal taxation, some municipalities’ and states’ taxation, and some foreign countries’ taxation.

Institutional Equity: Investment in real property that is provided by institutions such as pension funds, life companies or, corporations.

Interim Loan: An interim loan is a short term real estate loan of any type, payable generally in two years or less.

Intermediate Loan:  An intermediate loan is a loan maturing between six and nine years of origination.  Intermediate loans usually require amortization of the principal.  The due date is usually shorter than the amortization term.

International Commercial Loan: A debt-based funding arrangement between a business and a financial institution, normally used to fund major capital expenditures and or cover operational costs for business done outside the United States.

International Monetary Fund (IMF):  An association of governments to promote international cooperation, the expansion and growth of international trade, and exchange stability.  The IMF permits members to adjust a poor balance of payments without resorting to destructive measures.

International Project Finance - Pertains to projects outside the United States.  It is the financing of long-term infrastructure, industrial projects and public services based upon a non-recourse or limited recourse financial structure, in which project debt and equity used to finance the project are paid back from cash flow generated by the project.  Project financing is a loan structure that relies primarily on the project's cash flow for repayment, with the project's assets, rights and interests held as collateral.   

Joint Venture (JV): A financial partner who provides capital for a project and shares :in the project’s profits. LC’s and other institutional or private lenders may fund joint ventures in which most of the developer’s costs are covered. Typically a lender would be entitled to a percent of the ownership. Joint Venture lenders often require that their return be a preferred return.  Atlas Alternative Finance can arrange Joint Venture financing.

Land Loan: A loan in which the security for the deal is titled or untitled raw land. 

Land Sale/Leaseback:  A situation where an investor purchases land and then leases it back to the developer for a fixed rent and other considerations.  The lender concurrently issues a mortgage on the leasehold at current market rates.  This usually includes a kicker.  This deal often provides more dollars than a mortgage.

London Interbank Offered Rate (LIBOR): this is the interest rate that London banks charge when lending to one another in order to manage their balance sheets. The LIBOR is equivalent of the American Federal Funds Rate and is used as a benchmark for other short term interest rates. many construction loan rates are quoted at a spread above LIBOR.

Lock-in: A loan provision providing that the loan cannot be paid off for a specific period of time.

Loan to Cost (LTC): Refers to the ratio of the price paid for an asset to the value of the loan that finances its purchase. The ratio is used in real estate construction projects in order to compare the amount of the loan financing the project to the building costs. The LTC helps real estate lenders assess the risk of a construction loan. The higher LTC ratio indicates higher risk.

Loan-To-Value ratio (LTV): The amount of debt as compared to the value of the property. A higher loan to value ratio means higher leverage and thus greater risk. The ratio is calculated by dividing the loan amount by the appraised value of the property. Required loan to value ratios vary by property type, guarantees regulation and competition.

Mezzanine Loan: A mezzanine loan is a second mortgage loan that is subordinate to a first mortgage on a property. Typically used to maximize leverage on a property and/or to meet a first mortgage lender’s qualification requirements. Atlas Alternative Finance  arranges Mezzanine loan financing.  

Mini-Perm Loan: An intermediate term loan that sometimes bridges the gap between construction and permanent financing to allow occupancy and income to stabilize. The mini-perm may have a two-tiered payment structure including, small interest only for several years and then payment based on some amortization period. A mini-perm is a loan that does not fully amortize and, accordingly, requires a balloon payment upon maturity. The terms for mini-perms are usually from three to seven years.

Mixed Use: A property that contains more than one type of commercial space. For example, a building with retail, office and apartment space is a mixed-use facility. 

Mortgage: A lien on a borrower’s real estate required by a lender to secure its debt to the borrower. 

Mortgage Broker: A company which locates borrowers and lenders and arranges the financing between the two. The mortgage broker takes no risk or loss and doesn’t service the loan. Mortgage brokers can shop lenders much more effectively than borrowers. Brokers are in the market everyday, where developers are in the market a few times during the year. Brokers receive price information from lenders daily as a matter of course. They have a relationship with multiple lenders and are therefore well positioned to find and compare among the lenders offering particular features on the most competitive basis.

Multi Family Housing: A structure consisting of housing units for a number of different family units. Quite often zoning ordinances require a special zoning classification for multifamily housing.

Neighborhood Shopping Center: A shopping center, typically a strip, with at least one anchor. Developers normally anchor neighborhood centers with a supermarket and sometimes a pharmacy. Neighborhood centers range in size from 30,000 to 100,000 square feet.

Net Lease: A lease where the lessee pays certain expenses directly. The most common form is the triple net lease, where the tenant pays operating costs, taxes, and insurance. Triple-net leases are found in situations where the tenant leases all the property.

Net Operating Income (NOI): Net operating income is effective gross income less direct operating costs but excluding depreciation, amortization, and interest expense. It is synonymous with operating cash flow before debt service. Expenses below NOI are sometimes referred to as “Below the Line” items. 

Non-Recourse: An indebtedness that is secured by specific collateral (the real estate) and one that does not permit the lender access to the borrower’s or borrower principal’s assets in the event of default. 

Office Building: A structure used primarily for the carrying on of business. 

Planned Unit Development (PUD): A master-planned mixed-use property, which generally includes such things as single family lots, commercial office buildings, retail, church sites, and schools. A homeowner’s association owns common areas of the PUD. Each property owner owns a non-exclusive right to use association’s common areas. 

Participating Mortgage: Many lenders offer this mortgage, which is similar to a traditional fixed rate mortgage, but which includes a kicker for the lender. The kicker is usually a percentage participation in the increases in gross income above the scheduled gross. Most of the borrower’s costs can be covered with these loans. 

Pension Funds (PF’s): 1) Accumulated capital, investments and other assets held by private corporations, unions, society, public agencies, etc., for the present and future payment of retirement benefits to employees; 2)  The organization within each company, union, society, public agency, etc., which is responsible for these monies and for their collection, investments and disbursal. A pension fund invests in and provides real estate debt and equity. 

Private Money: Private money is commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have nontraditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers. There is traditionally less “red tape” and regulation. Private money can be similar to the prevailing rate of interest or it can be very expensive. When there is a higher risk associated with a particular transaction it is common for a private money lender to charge an interest rate above the going rate.

Private Placement: A private placement occurs when a security is not registered with the U.S. Securities and Exchange Commission (SEC). Disclosure requirements for private placements are less stringent though no less complete than for a public placement.

Project Finance - is the financing of long-term infrastructure, industrial projects and public services based upon non-recourse or a limited recourse financial structure, in which project debt and equity used to finance the project are paid back from the cash flow generated by the project.  Project financing is a loan structure that relies primarily on the project's cash flow for repayment, with the project's assets, rights and interests held as collateral.   

Real Estate Investment Trust (REIT): A REIT is a special corporate form of entity permitted by the Internal Revenue Code (IRC). In order to qualify as a REIT, the company must meet certain mandated requirements. Generally REIT’s are not taxed as long as they met those mandated requirements. REIT’s provide debt and equity on existing real estate. 

Refinancing: The repaying of a debt with the proceeds from a new loan using the same property as collateral. The reason generally, for refinancing is to get a lower interest rate or to increase the loan amount. 

Specialty Stores: Stores that specialize in selling some specific product as opposed to department stores, which sell a little bit of everything. Johnson & Murphy, the shoe seller, is an example of a specialty shoe seller and Barnes & Noble is an example of a specialty bookstore. 

Standby Commitment: The lender makes a commitment while not expecting to fund unless the project gets into trouble. The terms are sometimes rough. While no actual funding is usually involved, a developer can use a standby commitment to get a construction loan, that otherwise would be unattainable. 

Standby Letter of Credit: A guarantee of payment issued by a bank on behalf of a client that is used as "payment of last resort" should the client fail to fulfill a contractual commitment with a third party. Standby letters of credit are created as a sign of good faith in business transactions, and are proof of a buyer's credit quality and repayment abilities. The bank issuing the SBLC will perform brief underwriting duties to ensure the credit quality of the party seeking the letter of credit, then send notification to the bank of the party requesting the letter of credit (typically a seller or creditor).

Step-Down Prepayment Penalty (PPP): A step down prepayment penalty is graduated and steps down each subsequent year- for example, 5% in the first year that prepayment is allowed, 4% in the second, etc. It is, accordingly, reversed tiered.

Strip: A neighborhood or community shopping center built on a strip of land (hence the name). Developers generally anchor neighborhood centers with a supermarket and community shopping centers with a supermarket and one or more discount retailers.  

Subdivision: A parcel of land that has been divided into two or more smaller lots. An example would include a 500-acre tract that has been platted and made ready for the building of homes. The subdivision has been recorded in the land records of the county where the land is located and is available for individuals to purchase the lots and or builders to purchase the lots and in turn construct houses on the lots.

Super-Regional Centers:  Large shopping centers that offer a variety of shopping alternatives. A super-regional may include several anchor department stores and a variety of specialty stores. Developers may construct super-regional centers as enclosed malls, open-air malls or large strips with a number of buildings and out-parcels.

Yield Maintenance Provision:  A form of prepayment found in commercial mortgage loans. A Yield Maintenance Provision in most cases requires that the mortgagor pay the mortgagee, an equal amount equal to the discounted differences between a specified risk-free borrowing rate and the note rate.

Warehouse: A building used to receive and store goods and merchandise. In terms of classifying such property, warehouses are normally located in an area zoned for either commercial or industrial property.

Work out:  The project financiers are responding to work out a potential problem or have arranged to take over the operation after a Default to attempt to rehabilitate the cash flow generating capacity of the project.

Wraparound: A mortgage in which the lender assumes the first lien mortgage. The debtor makes one mortgage payment to the wrap around lender who, in turn, sends the proper portion to the first mortgagee. The wrap lender usually receives a portion of his yield from the amortization of the first lien position mortgage.

 

Disclosures:

We recommend you have an attorney at the time of application and throughout the entire process.   The information on this site should not be considered as legal advice or opinion.  We are not a direct lender.

 

We are not a United States Securities Dealer, Broker or US Investment Advisor.  The purpose of this site is to provide general information.  The information contained herein is intended solely to give a general indication of possible available loans and does not constitute a solicitation to enter into a transaction. Although we pride ourselves on arranging financing for every situation, there are some transactions that are simply not viable enough to fund.

 

We do not send out marketing emails.  If you receive a marketing email containing a name similar to Atlas Alternative Finance from an email address ending in anything other than @atlasalternativefinance.com, it is not from our company and is likely to be a phishing attempt using our name.  We only use emails ending in atlasalternativefinance.com. 

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Atlas Alternative Finance

699 Walnut St
Suite400

 Des Moines, IA 50309

USA
Office 515-724-5876 Email
info@atlasalternativefinance.com

News & Events

Due to business expansion Atlas Alternative Finance will be moving to a more spacious location located in downtown Des Moines beginning April 2nd 2018.    

****Caution ****

November 16, 2017

We do not send out marketing emails.  If you receive a marketing email containing a name similar to Atlas Alternative Finance from an email address ending in anything other than @atlasalternativefinance.com, it is not from our company and is likely to be a phishing attempt using our name.  We only use emails ending in atlasalternativefinance.com.  

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