Katcam Financial Group
Let's Meet Up!
Your Premier Ally
In Business and Commercial Real Estate
200+
Over 200 Years Of Combined Experience
1000+
Transactions
A+
Customers Satisfied
$100m+
Funding Available
WHY CHOOSE US?
Experience Matters.
We pride ourselves with 200+ years combined experience and thinking out of the box.
We are not a one size fits all company.
Risk Assessment Skills
We are adept at evaluating risk. We can analyze financial statements, credit histories, and other relevant information to assess the likelihood of a borrower repaying a loan.
Communication Skills
Effective communication is key in the lending process. We can explain complex financial concepts in a way that borrowers can understand. We are also good listeners and understand the needs and concerns of borrowers.
Analytical Thinking
Lending involves a lot of data and numbers. We analyze this data, identify trends, and make informed decisions. We are able to think critically and solve problems related to lending and financial risk.
Customer Service Orientation
Building and maintaining positive relationships with borrowers is crucial. We prioritize customer service, ensuring that borrowers feel supported and understand the terms of their loans.
Adaptability
The financial landscape is always changing, and we adapt to new regulations, market conditions, and economic trends. Being flexible and open to change is a valuable trait.
Integrity
Trust is essential in lending. We operate with honesty and integrity, providing accurate information to borrowers and ensuring transparency in the lending process. This builds trust and credibility with clients.
Pre-Approval
Funds may be available as soon as the next business day if approved.
Secured Application
Turn your dreams into reality!
Easy To Apply
Applying is quick and easy, and you can get a credit decision in minutes.
WE HAVE THE BEST
Funding Solutions
Commercial Properties, Apartments 5+, Mixed-Use,
Houses of Worship, and Business Loans
Our Core Values...
Who you work with MATTERS.
Respect for all people
Excellence in everything we do
Truthfulness in our business
Unquestionable integrity
WE CAN ASSIST YOU IN
Acquisition, Disposition, 1031 Exchanges,
and Expansion
Success in business is about having direct access to seasoned industry professionals and decision makers with specific local market knowledge to get the deal done efficiently and get it done correctly.
Commercial Loans and SBA
Work with your dedicated Commercial Real Estate and Business Finance Advisor to personalize your strategizing and financing customized to your unique needs.
Business Loans and Credit Line
We make it easy to access the funding you need, no matter the size of your business. Apply for a credit line in seconds and start spending smarter.
Do You Have Questions?
Remember, each lender may have its own criteria and variations in the solutions offered. Always read the terms carefully and, if needed, consult with a financial advisor to ensure you understand the implications of the loan.
What is your credit score?
Lenders typically check your credit score to assess your creditworthiness. If you have a good credit score, you're more likely to qualify for favorable loan terms. If your score is lower, lenders might still offer loans but with higher interest rates or stricter terms.
What is your income and employment status?
Lenders want to ensure you have a stable income to repay the loan. They may ask for proof of employment, recent pay stubs, or tax returns. If you're unemployed or have irregular income, it may impact your ability to secure a loan. Some lenders offer options like co-signers or collateral to mitigate the risk.
What is the purpose of the loan?
Lenders often inquire about the intended use of the funds. Whether it's for a home, car, education, or business, having a clear purpose helps them tailor the loan terms. Some loans, like mortgages or auto loans, are designed for specific purposes and come with specific conditions.
What is your debt-to-income ratio?
Lenders assess your debt-to-income ratio, comparing your monthly debt obligations to your income. This helps them evaluate your capacity to take on additional debt. A lower ratio is generally more favorable. If your ratio is high, lenders may offer guidance on debt management or suggest a smaller loan amount to ensure you can comfortably handle the payments.
What is your repayment history on previous loans?
Lenders often check your credit report for your repayment history on past loans. If you have a history of late payments or defaults, it may raise concerns. Lenders may offer solutions such as higher interest rates for individuals with a less-than-ideal repayment history. Some borrowers might opt for loan consolidation or restructuring to make repayments more manageable. Building a positive repayment history over time can also improve your eligibility for better loan terms.
What our customers say about us!
Joe was recommended to me by a coworker and was a huge help in purchasing from out of state. Thanks to Joe there were no surprises and we couldn’t be happier.
J Schwam
Joe is very professional, works efficiently and is a great communicator. Joe came ready with a ton of information that helped us make a decision. He was also the first one to respond to our needs. Joe is very helpful, knows his stuff and it was a pleasure working with him.
C Duncan
Joe was extremely helpful throughout the whole process. He got back to us quickly whenever we had a question. His knowledge of the market and expertise made for a very positive experience when working with him. He gained our trust and we knew we were in good hands.
Jennifer V
Office: 100 E San Marcos Blvd, Suite 400
San Marcos, CA 92069
Call (858) 808-1220
Email: support@katcam.us
Site: www.KatcamFinancialGroup.com