If your home business is starting to overflow from office into other parts if house, it may be time to consider finding a building large enough to handle your startup's rapid growth. Most businesses are unable to generate enough revenue at this phase of growth to allow you to purchase a new facility outright. In fact, businesses of all sizes commonly go through a commercial lender when acquiring new real estate.

There are literally hundreds of commercial lenders out there waiting to provide you with growth capital. You've probably seen their advertisements pop up on your browser offering lowest rates and best service. With so many lenders to choose from, how can you get past gimmicks to find one that will fill your needs?

Let's start with type of business you want to open. Are you thinking of a manufacturing, retail, agricultural, or service business? There are many different types of business, all with their own unique facility requirements. However, not every commercial lender will finance every property type. Here's a brief list of different types of property that a lender may (or may not) finance:

· Agricultural (Ranches, Farms) · Automotive (Gas Stations, Car Washes) · Hospitality (Hotels, Motels) · Industrial (Heavy/Light Manufacturing) · Leisure (Golf Course, Amusement Parks) · Mobile Home Parks · Office Buildings/Complexes · Parking Lots · Retail (Shopping Centers, Strip Malls) · Tenant Buildings (Apartments, etc.)

Besides finding a commercial lender who will finance type of property best suited for your business needs, you also need to consider what kind of loan options will be best for you. Some lenders are fairly flexible in their loan offerings; non-recourse, mezzanine, and bridge loans may all be useful options depending on your individual requiremnts and circumstances. In addition, many commercial lenders also provide construction financing for borrowers who would prefer a custom facility. Renovation and repair financing is also a common offering by many lenders.

While you have to agree to terms and sign if you want credit card and while lender will certainly hold you to terms, lender doesn’t feel similarly committed.

Lenders like to constantly amend terms, effectively changing deal after it was made. This is one of few industries where you can be charged more than you originally agreed to pay.

One of main reasons they’re doing this is because they are constantly checking your credit score, looking for an excuse to raise rates and thus their income.

So, even if you have never been late on any payment to any bank or utility, your credit score can raise as you’re approaching your credit limits. Or you could have missed a payment or lost your job. Lenders have any number of excuses for their actions.

Also lenders count on customers not reading little inserts filled with legal jargon they slip in with your bill or mail separately, at least until it’s too late. Apparently vast major of card holders never look at these amendments. Theu also hope that most of us are ignorant of our credit card rights.

Not all changes to credit card agreement are necessarily harmful to you, although you'll rarely find one being done in your interest. Most of them change minor terms of agreement.

But they can contain nasty suprises as well.

The problem lender has is that original agreement is a binding contract that lender can’t change unilaterally. They have to give you an out. That’s why it pays to pay attention and know your credit card rights.