St. Cloud Financial
~ Core Values ~

At St. Cloud Financial we feel it is crucial to have a clear understanding of what conduct we expect of ourselves, all of our staff, and affiliates. We understand that we grow through our reputation and we know what is required to EARN a great reputation through our years as a Wholesale Lender with integrity as our #1 goal - and we are excited to bring those same values directly to you through our Retail Lending Division. We are excited to prove to YOU that our reputation is well deserved!

Treat You As We Would Want To Be Treated :
The Golden Rule - This might sound simplistic but it is the underlining goal and the base for all of our Values - the simplest test is "how would we want someone else to treat us, our parents, kids, or spouses" - We find it to be the most effective moral measuring stick.

Financing Terms to Suit Your Needs
We work hard to make sure that we get you the best terms to meet your circumstances and needs. One size fits all might be a great idea for hats but it has no place in Commercial Real Estate Lending - Every Property and Every Borrower have unique attributes and needs that must be addressed - and that is what we are here for - to address your needs.
Value Your Time
Time is money and unnecessary delays to move forward with your plans due to Things that are easily avoidable are unacceptable. We maximize your turn times by identifying any potential problems up front, this way the issues are dealt with before they ever in fact become problems.
Never will one of our staff put you on Hold to answer another call - with St Cloud You will always come first.
Value and Protect Your Information
We take all possible precautions with your private information and NEVER share any information about you or your transaction that is not required in the course of processing your loan request. Again, WE Never Share, sell, trade, or transfer any of your information except where is required to process your Loan. And once we receive your data our thorough internal procedures and safeguards will ensure that it is safe.
Value your Funds
Not only do we offer you the best interest rates and terms but we also work hard to keep the expenses related with your loan request as low as possible, we use bid systems to ensure that the best third party reports are received at the most reasonable prices; We do not charge large upfront fees (usually none at all); we do not require "good faith deposits;" and we keep our closing costs as low as possible, much lower than our competitors - this equates directly to savings for you.

We wouldn't want to be treated any other way so we will make sure that you are not

 

 

If you are looking for the best rates on Multi family properties you have come to the right place.Feel Free to contact our staff for program parameters for our specialized products to help Hotel and Motel Property owners find the right balance of Leverage, gaining the best balance between between risk and return. If you are looking for the best rates on Multi family properties you have come to the right place.Feel Free to contact our staff for program parameters for our specialized products to help Hotel and Motel Property owners find the right balance of Leverage, gaining the best balance between between risk and return. Our experience analysts are here to help finance investor properties. Our Underwriters have strong backgrounds in SBA (Small Business Administration) Loan programs,especially the SBA 504 and the SBA 7a Loan Programs helping business owners buy businesses and expand their operations, including the purchase an refinance of Gas Stations and "C-Store" facilities. We Pride ourselves in being able to get you the best loan terms and interest rates available in the industry on Office Space. If you are looking to refinance, or Refi for Cash-Out, on Commercial Real Estate you owe it to yourself to give us a call as we are able to provide you with the lowest cost Loans and the Lowest Interest Rates in the country on all types of Investor Real Estate. If you have been looking at Properties on Loop Net you should contact our specialists to discuss the availability of Finance Loans for the type of property, the CAP rate or Net Income Multiplier on the specific property you have been looking at purchasing. St Cloud Financial is a leading lender in the arena of Commercial and Agricultural Real Estate Finance. St Cloud lends money on all types of Income producing and Owner User Business Loans based on Real Estate Collateral, This includes Loans on Apartments, This also includes Finance for Office Buildings, We also Specialize in Financing Self Storage Facilities, We Have Specialists that are Ready to Help you find the right Mortgage on Retail Real Estate. Our Loan Officers are Fluent in the needs of the Strip Mall Investor. At St. Cloud Financial we focus on Warehouses and Light Industrial Loans. We also ha Programs designed on helping Manufacturers find the right financing for the needs including import and export facilities.