标题: C&I Loans vs Commercial Real Estate Loans [打印本页] 作者: dontknow1987 时间: 2011-10-10 08:40 标题: C&I Loans vs Commercial Real Estate Loans
does anyone know what the difference is between these two categories of commercial loans? ive looked them up online and cant seem to tell hte difference, they both seem to be commercial loans, with property as collateral. any ideas? thanks!作者: Palantir 时间: 2011-10-10 08:45
C&I loans don't have property as collateral. They can use A/R, the owner's personal guarantee, the company's stock, or gold bullion as collateral.作者: hoangvu90 时间: 2011-10-10 08:51
thanks flowbe! so can i say for sure that no C&I loans have property as collateral, or is it that they can either use property as collateral or any of the other items listed by you?作者: grharmeyer 时间: 2011-10-10 08:56
Sure they can use the property as collateral but the purpose of a C&I loan is not to finance the real estate. That's what commercial real estate loans are for. Banks will take anything they can get as an abundance of caution when it comes to a small business loan. So if the owner holds a piece of real estate and is offering up as collateral the bank will take it.作者: yospaghetti 时间: 2011-10-10 09:07
sorry flowbe one more question: do all c&i loans have collateral, or could it be that some are unsecured? thanks in advance!作者: yospaghetti 时间: 2011-10-10 09:24
BTW, what does C&I stand for? I am not familiar with this space.作者: Dapper425 时间: 2011-10-10 09:29
dmiller385 Wrote:
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> FYI, flowbe is not correct. The financing of an
> owner occupied property is considered C&I.
In what country? The 8,000 US banks that submit schedule RC-C of the call report put owner occupied CRE on line 1.e.(1). (loans secured by owner-occupied nonfarm nonresidential properties.) If you have something stating these can be included on line 4 (commercial and industrial loans) I'd love to see it.
