Structured Finance: How it Benefits Commercial Real Estate Investors

structured finance

Structured finance options are offered to large corporations and financial institutions to meet their particular needs in the financial markets.

When it comes to investment, commercial real estate is a profitable option. As compared to residential properties, the market value of commercial properties is more stable. As the inflation rate increases, so do the value of the commercial real estate, giving you the opportunity to increase the ROI.

Since commercial properties are relatively more expensive, small-scale investors usually form syndicates to collect funds for buying properties. However, this financing approach doesn’t work for large businesses with more complex business cycles.

A structured finance option is offered to large corporations and financial institutions to meet their particular needs. Since the mid-1980s, it has become a popular trend. It helps mitigate the risks involved with financial transactions. You can get in touch with Stamford Capital Investments to learn about structured funds and other suitable commercial property investment funding options.

The prominent structured finance products include:

  • Securitized debt instruments
  • Derivatives
  • Collateralized Mortgage Obligations (CMO)
  • Syndicated loans
  • Collateralized Debt Obligation (CDO)
  • Collateralized Bond Obligation (CBO)
  • Hybrid security
  • Credit Default Swap (CDS)

The Benefits of Structured Financing

Structured financing particularly benefits large corporations with a global audience. It helps them streamline global trade operations and comply with the local laws of the country where they offer services.

In order to qualify for structured financing, you must provide the investors with the following documents:

  • Details of trade, profit margin, products, and countries where your business operates
  • Audited cash flow and other relevant financial statements
  • A summarised trading history
  • Available securities
  • Financial forecasts or growth projections
  • Business assets and liabilities information
  • The references of the board of directors

Structured financing can help you with debt restructuring. If you’re experiencing cash flow problems or a severe financial crisis, then you can negotiate debts or restore their liquidity to deal with the financial problems.

Large businesses keep some cash in hand that helps them carry out day-to-day trading operations. This amount is referred to as working capital and can be calculated by subtracting liabilities from the current assets of your business. Structured financing helps you free up your working capital so that you can run your business without experiencing financial issues.

Commercial real estate investors are turning to this option due to its several benefits. When it comes to investing their capital in a business, investors usually ask for securities to ensure they don’t end up losing their investment. Structured financing offers assured guarantee to investors. So, even if the property owner fails to make timely payment, you can recover the due payment through this guarantee. It might require tricky accounting software to track, but it is possible.

Large corporations use structured financing to manage risks associated with commercial real estate. It helps them expand the business reach and protect their capital in the long run.

Structured financing is a practical option for borrowers with sophisticated needs. If you’re looking forward to investing in commercial properties, you can go this financing option to collect sufficient funds for investing in this profitable market.

Structured Finance FAQs

What are structured products in finance? A structured product, also known as a market-linked investment, is a pre-packaged structured finance investment strategy based on a single security, a basket of securities, options, indices, commodities, debt issuance or foreign currencies, and to a lesser extent, derivatives.

What are structured products and how do they work? Structured Products can be loosely defined as savings or investment products where the return is linked to an underlying asset with pre-defined features (maturity date, coupon date, capital protection level. They belong to the range of products with ‘non-traditional' investment strategies.

While you may

How Can I Get My Credit Score For Free?

get my credit score for free

Some people don’t really pay much attention to their credit score. As a new face to the workforce, many younger Millennials are probably living in an apartment or still at home with the folks and just a few years in their career. It would seem like the last thing on your mind is your credit score, credit repair, or how to improve your credit score.

However, having a good credit score will make it easier to purchase a house, car, or qualify for lower interest rates with credit cards.

Best Way To Get Your Credit Score

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My Discover It Credit Card provides me with my credit score every month on the monthly statement.

If you wanted to sign up for the Discover It credit card and get your free FICO score monthly, you can to sign up with Discover It and get $50 Statement Credit with your 1st purchase within 3 months if you sign up through here before the end of November 2018.

Another option to get your credit score completely free with Credit Sesame. [/one_half][one_half_last padding=”0 10px 0 10px”]

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  • · No charges to check your score at all
  • · See your credit score almost instantly
  • · Millions of people use and trust Credit Sesame
  • · Personalized guidance on how to improve your score


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What is a good credit score?

For a score with a range between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most credit scores fall between 600 and 750.

What is a bad credit score?

score from 650 to 700 is “fair”, and a score ranging from 300 to 649 is “bad.”


Go to Credit Sesame’s site and get your credit score for free.

Are Baby Boomers More Tech Savvy Than Their Gen Y Counterparts?


What does technology fall in the baby boomers vs gen y scale? Who is more tech savvy? The results may actually surprise many.

Baby boomers are also called the post-war generation since they were born in the years between 1946 and 1964. Generation Y are people born between the early 1980s and the mid-1990s.

The latter is considered to be a whole lot more adaptable and tech-savvy than their much older counterparts, as per various studies.

And Millennials aren't just using the internet to search for “buy CBD Oil near me”, they actually utilize technology for a greater purpose. The good people at American Express have released a survey some time back which showed that an overwhelming majority of generation Y entrepreneurs had considered themselves to be tech-savvy as compared to a much smaller percentage of baby boomers.

However, both of these groups tend to agree that it is far more important to disconnect from various technological devices during different parts of the day.

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Technology woes

This is because both baby boomers and their Gen Y counterparts have not grown to realize that such technology can easily intrude on the personal lives of the people who harness it for their recreational as well as communication needs.

Even as virtual interactions start taking precedence over real-world relationships, many people have now stated given them more importance then they had done so before. Moreover, getting texts from friends makes the generation Y feel good because it releases the ‘happiness’ hormone Dopamine. This, in turn, makes them send texts en masse to their friends.

The price of being tech-savvy

Being tech savvy does come with a price tag attached. If a person doesn’t receive a reply to their text messages or if a person is no longer friends on social media, chances are that this person would become profoundly depressed and feel as if he has been ‘abandoned.’

This is something that baby boomers are largely immune from, due to the fact that they have lived in a world where real world interactions were far more important than virtual ones.

It is certainly true that baby boomers use social media as well as the internet not just for recreational purposes but also for serious matters like work and business. At the same time, they are not as attached to the same as their younger Gen Y counterparts.

Baby boomers and technology

Many studies have shown that they are less tech-savvy then Gen Y. However, they do not allow the problems and drawbacks of being overly dependent on technology to get in their way. They also don’t feel helpless without their gadgets. Nevertheless, this certainly does not mean that there are no tech savvy baby boomers around at all. They do exist and have in fact, even left many Gen Y people behind.

From the above discussion, it is prudent to realize that millennials or Gen Y folks are not just more tech savvy but more restless when it comes to their earning capabilities.  They both understand and realize their value and their worth not just in the organizations they work for, but also as a collective whole.

Lesser Known Ways Your Credit Can Affect You

what does your credit score affect

As you are probably aware, your credit scores are pretty important. Most people have learned either the easy way or the hard way that the fateful 3-digit numbers that make up a credit score can affect some major life milestones — buying or leasing a car, financing for a new home, and your credit limits and interest rates on your credit cards themselves.

But your credit scores can also affect things that, while not any less important in your life, might slip under the radar a bit more.

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1. Cell Phones

Over the last few years, cell phones have become more of a necessity than a luxury for many due to the fact that they can be used to work, pay bills, manage events and more. Being that more people than ever before are using their phones to help with other areas of their lives, the last thing you would want is to have your credit scores affect purchasing a new phone.

Cell phone providers will run a credit check to see if you can make the obligation to your monthly payment, and based on what they find, it can affect the dollar amount of your monthly payment, require a down payment deposit before the financing plan, or even disqualify you from being able to finance at all.

2. Utilities

Let's say you are planning to rent a Bloomington apartment, the landlord will run a credit check as part of the rental application process. While this should come as no surprise, what may surprise you is that it can affect your utilities cost as well. You may have to put down more for a security deposit up front if they find that you have negative marks on your credit reports for delinquent payment elsewhere, or if you don’t have enough credit history yet, and it may even increase the cost of the utilities themselves or deny you services.

When trying to find an apartment, having to worry about paying your first month's rent and an inflated security deposit ahead of time burns a hole in your bank account before you’ve even gotten a chance to move in, and could put you in a tight spot of playing catch-up if you need furniture and other things that come with moving into a new living situation.

3. Employment

If you are looking for a new job or career, your credit history could be getting in the way of a new opportunity for your future. Some states have laws that limit potential employers from doing credit checks, but states that do can get a check done called an employment screening, and if they see that you have had some delinquencies, it could prevent you from getting the job over someone else applying for the same position. You may be wondering how your personal finances can affect a job you don’t even have yet, but a potential employer can look at it in a number of ways. If you are dealing with financial stresses at home, it could affect your performance at work. If you have trouble managing finances or a budget at home, how would that same potential employee handle balancing the workload at a new job? If the job you are applying for is in a department that deals with money or the company is in a financial field, the employer could see this as a serious consideration to make.

what does your credit score affect

4. Refinancing

You may already be a homeowner and have been diligently paying down your mortgage since you bought your house. But if the opportunity to refinance comes up because interest rates are going down, your credit scores could get in the way of saving a lot of money over time. Not only will your refinancing options be limited, but if you think of the difference a lower interest rate would make over the course of years against your current mortgage and interest rate, you could be talking about thousands of dollars saved by refinancing completely lost due to your credit scores. Home loans aren't the only loans that could be affected by this, as refinancing your student loans can save you money as well, so you want to be able to increase your options to save money by having better credit scores.

5. Relationships

Believe it or not, your credit scores and financial history can actually impact your love life as well. Now, potential future partners aren’t going to have access to your credit information themselves, but recent studies have shown that financial responsibility is a growing factor for people evaluating their potential love interests. It should come as no surprise as financial decisions big and small have to be made together in a long-term relationship, and in the unfortunate circumstance of divorce, it can impact the credit scores of both parties. Though the divorce itself has no effect on your scores, the fact that the divorcing couple could have joint accounts, co-signed loans, and shared assets could cause a myriad of financial complications and lasting effects for both soon to be ex-spouses. It’s not completely hopeless, though — a potential partner knowing how you are planning on handling your financial situation and your attitude about turning it around could be seen as a good thing.

Turning the Ship Around

The problem with credit issues is that they can be cyclical — if your payments go up because of past credit mistakes and it makes money tighter going forward, you run the risk of making similar mistakes in the future, so it is best to make an action plan to get your finances in order and turn your credit scores around, and build healthy credit scores in the years to come. It takes seven years for most negative marks to fall off your credit reports once they're added, but there are ways you can build your credit back up with credit cards and even open your eligibility for getting future credit cards with better rewards.

65% of the criteria FICO uses to calculate their most popular scores are from your payment history and your amounts owed, which are two areas that you can take the most immediate action in improving, so no matter what your credit situation, you can work towards turning things around for the better and take back control of your financial situation into the future while improving your credit score.

Debitize Review: Is This Credit Card App Worth It?

debitize review

Using a credit card is nice and all, but it can also put you in a lot of debt most of the time.

So you really have to figure out what you are getting into and how you can adjust and adapt all these ideas in order to obtain the best results.

With help from Debitize, you can totally do that. Our Debitize Review shows that this unique tool does have the potential to help you acquire great results with a credit card, it all comes down to using it correctly.

What is Debitize?

According to our Debitize Review, we saw that this is a free online application that allows you to use a credit card as a debit card basically.

What it does is it transfers money from the checking account and it always pays off the credit card. What this means is that you can have all the credit card point advantage without having to worry about entering any sign of debt.

That alone is really nice because you can have less credit card utilization. In the end, you get to have an astonishing credit score, and the return on investment is always among some of the best that you can find out there.

How Does It Work?

We saw that Debitize is pretty easy to use. First, you tell the platform what is your target monthly payment.

The app will automatically monitor the checking account and it will do all the necessary payments. The thing to keep in mind is that it only repays stuff if your balance allows it to do such a thing. Which is why you do need to have a high balance, otherwise this will not work at all. If you do need to maintain the use of your credit card active, Debitize will handle that for you automatically.

You will not have to worry about dealing with lots of debt again and again, and in the end, it’s just one great approach towards getting the results you want without dealing getting into debt.

Of course, if your balance is unable to counteract the use of that credit card, then you will still have to handle lots of debts. That’s why you do need to change your spending habits and ensure that you don’t fall in debt again and again. It will be well worth the effort, all you have to do is to check it out at the very least and you will never be disappointed.

Getting the Best of Both Worlds

For a lot of people, our Debitize Review shows that this is a great solution if they want to still use their credit cards as they see fit. You can use your card as a debit card, but you also get the points and rewards that come from paying off your debts. But the most important part is that you do get to stay away from lots and lots of debt, something that can actually be very hard to deal with and super problematic all the time.

While not everyone will need this tool, Debitize does make it easy for those accustomed with credit card purchases to make it easy on them as they try to avoid lots and lots of debt. It’s the best-automated system for repaying credit cards, and the outcome can indeed shine.

Do You Have to Pay Interest?

No, because Debitize will repay everything as fast as possible. It’s basically the best system you can use if you want to avoid debt naturally, and the best part is that every little system and trick counts at all times. Once you start using Debitize the right way, you won’t have to worry about dealing with any kind of debt again and again. Is it possible to do that? Yes, it really is, all you have to do is to understand the challenges and focus on those things that really matter the most.


The main benefit for a lot of people is that it’s a huge safeguard against spending a lot of money. It also offers automatic withdrawals, and that on its own can be incredibly interesting and rewarding. It’s also a credit optimizer. Since a lot of people are dealing with credit card debt nowadays, our Debitize Review showed that dealing with this kind of problem is not going to be a huge issue. And you totally need to check it out at the very least.

Then there’s also the fact that you have a plethora of security benefits. All those little things matter a lot, and all you have to do is to adapt and adjust to all of that as you see fit. Once you do that the return can be extraordinary, and once you do that the value can be second to none regardless of what happens in the end.

Can It Really Help?

If you are one of the persons that deal with a lot of credit card debt, then using Debitize does make a lot of sense. It’s definitely important to change your spending habits. But our Debitize Review shows that if you will use this tool you can make a step in the right direction. You can rebuild your credit quite nicely and you can avoid any huge signs of trouble as you go along. Of course, there are bound to be some issues as you adapt and adjust everything to work the way you want. But it’s totally possible to achieve the results you expect and the outcome will shine.

Plus, you have a great combination of high-quality features and services as you see fit. It’s one of the most important things that you can do and once you handle all of that nothing will stand in your way. There are some quirks here and there, so our Debitize Review shows this is not the perfect tool we want just yet. But despite that, it does work quite nicely and the constant improvements will eventually make it the best it can be! Click if you wanted to get started with Debitize today!

Blockchain Infographic: What Does Blockchain Disruption Look Like?


What’s so exciting about the blockchain tech?

Probably the fact that the tech can be applied to so many different areas. We’re most familiar with the tech because it powers Bitcoin, but there’s a lot more that it can do.

What Can Blockchain Technology Do?

First off, it has always been open source. This allows developers complete creativity when it comes to designing new applications and is one of the reasons that the tech has already had such a disruptive influence across such a varied range of industries.

Stefan, the editor of, says that the present-day blockchain is at the same level of development that the internet was 20 years ago. His research, summarized in the infographic you’ll also find below makes for a scintillating read.

Did you know, for example, that the crypto market was valued at $330 billion in March of this year? Or that forecasts say that the tech market itself will be worth $20 billion dollars in just six years-time?

It’s pretty amazing growth for some obscure tech that pretty much seemed to come out of nowhere. While it has been around since 2008/09, it was really only in the last few years that serious development has started to take place.

With most applications only really moving from the planning stages to real-life implementations this year, we’ve only started to realize what the potential for this tech really is. This is an exciting time as it is just now gaining more widespread acceptance.

We have already seen a big leap in its capabilities. Ethereum, for example, took the concept and improved it by adding programming language into the mix. Ripple, on the other hand, stuck with the basic cryptocurrency program but streamlined the verification process.

What's Next For Blockchain Technology?

Who knows what’s next? We can guess at the directions that the tech might take, but it really is anyone’s guess. Stefan compared it to the internet in its early stages. The internet started out as a way for educational institutions to share information.

The worldwide web consisted at one time of a dozen or so websites. In just a few decades, it has grown into a global monster. Can you imagine a world without the internet? Who knows, maybe our children will say the same of the blockchain tech.

Blockchain Infographic

Blockchain Infographic: What Does Blockchain Disruption Look Like? Fortune blockchain shows us what the future of blockchain technology looks like.

blockchain infographic

Answering the Questions You Have About Getting a Reverse Mortgage

how does a reverse mortgage work

Wondering how does a reverse mortgage work? If you have retirement concerns regarding how much spending money you will have when your income is reduced, you are not alone. Many retirees have those worries, which is why reverse mortgages are so popular.

Reverse mortgages are home loans you can only get when you retire or at least reach 62 years of age. You have probably heard a bit about them, but you may have a lot of questions about how they really work.

How Does a Reverse Mortgage Work?

Some answers to top reverse mortgage questions are provided below.

How is the Borrowed Amount of a Reverse Mortgage Determined?

The amount you can borrow with a reverse loan is determined using a reverse mortgage calculator. It is a special online tool that factors in the many aspects of home values. A reverse-mortgage equity calculator is an important tool for you and your lender because it also takes into account current government regulations that cap the percentage of the total home equity that can be loaned. Those capping regulations are designed to prevent lenders from loaning more than they should.

What Are the Other Qualifications for a Reverse Mortgage?

Other than being 62 years of age, the main requirement to get a reverse mortgage is your home must be your full-time residence. It must also have enough value to borrow against.

Additionally, your reverse mortgage lender must verify your ability to take care of the financial responsibilities of homeownership, such as tax payments. That is the only way the lender can make sure the reverse mortgage is not a poor risk because you have to retain home ownership for the duration of the loan. Therefore, you may be required to pass a background check.

The home itself can be almost any house, but a mobile home is ineligible. If you own a home with multiple apartments, the maximum number of apartments allowed is four. You must live in one of them.  Leaving for temporary reasons, such as a vacation, is acceptable. However, as soon as you stop using the home as your primary residence the money you owe will be due in full.

How Can You Choose to Receive Your Reverse Mortgage Money?

There is a lot of flexibility when you obtain a reverse mortgage, especially in the ways in which you can borrow the money. One option is a single large payment your reverse mortgage lender can make to you when you have a significant financial crisis or need to fund an expensive retirement endeavor.

Another choice is to set up a line of credit to borrow against on an as needed bases. However, a very popular choice is to set up monthly installments the lender will pay to you. By receiving extra money each month, you will have a reliable income you can use to pay ongoing bills and other retirement expenses.

What Happens When You Leave Your Home?

If you leave your home, and you were the only one who signed the reverse mortgage agreement, the full amount is due, typically within six months of the date on which you leave. If that amount goes unpaid, the home is sold so the reverse mortgage lender can recover some or all of the owed amount.

If another person, such as your spouse, signs the loan agreement, the loan stays active as long as that person remains in the home. Anyone else living in the home when the last person to sign the agreement vacates the property must leave or pay the loan balance on behalf of you or the other loan signer to stay in the home.

The Bottom Line

A reverse mortgage is a loan available to homeowners, 62 years or older, that allows them to convert part of the equity in their homes into cash. Once you’re 62 or older, a reverse mortgage can be a great way to get cash when your home equity is your biggest asset and you don’t have another way to get enough money to meet your basic living expenses.

A reverse mortgage allows you to keep living in your house as long as you keep up with property taxes, maintenance, and insurance and don’t need to move into a nursing home or assisted living facility for more than a year.

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