Shh!  There is a big secret going on in the banking community.  Do you know what it is?  About six months ago I started seeing an interesting trend.  Many banks were starting to be a little more conservative on their underwriting.  In essence, banks were tightening their standards very slowly.

Why is this important?  Banks tend to follow the cyclical nature of the economy with more lending at the beginning of a cycle and less later in the cycle.   If we look at the last recession, towards the tail end of the cycle we started to see banks tighten their criteria.  As we got fully engrossed in the downturn, many banks increased underwriting standards exponentially to preserve capital to ride through the cycle.

What I saw six months ago is beginning to show up in economic research.  According to a  recent Federal Reserve Report many banks are starting to tighten lending standards on commercial loans.  This occurred because “Most domestic banks that reportedly tightened either standards or terms on C&I loans over the past three months cited as an important reason a less favorable or more uncertain economic outlook.”


See Full Article: that was published by Glen Weinberg in the Colorad0Biz Magazine.




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Written by Glen Weinberg, COO/ VP Fairview Commercial Lending.  Glen has been published as an expert in hard money lending, real estate valuation, financing, and various other real estate topics in the Colorado Real Estate Journal, the CO Biz Magazine, The Denver Post, The Scotsman mortgage broker guide, Mortgage Professional America and various other national publications.


Fairview is a hard money lender specializing in private money loans / non-bank real estate loans in Georgia, Colorado, Illinois, and Florida. They are recognized in the industry as the leader in hard money lending with no upfront fees or any other games. Learn more about Hard Money Lending through our free Hard Money Guide.  To get started on a loan all they need is their simple one page application (no upfront fees or other games).