P & A Financial Services LLC

P & A Financial Services LLCP & A Financial Services LLCP & A Financial Services LLC

P & A Financial Services LLC

P & A Financial Services LLCP & A Financial Services LLCP & A Financial Services LLC
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Welcome to P & A Financial Services LLC

Welcome to P & A Financial Services LLCWelcome to P & A Financial Services LLCWelcome to P & A Financial Services LLC

Consulting for commercial mortgages and business loans.


We walk you through the entire process, from application to closing.

(973) 300-5555

Welcome to P & A Financial Services LLC

Welcome to P & A Financial Services LLCWelcome to P & A Financial Services LLCWelcome to P & A Financial Services LLC

Consulting for commercial mortgages and business loans.


We walk you through the entire process, from application to closing.

(973) 300-5555

About Us

Services

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Services

See what we offer

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About Us

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Services

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Links to our parnters

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Loan Consulting Services

Owner Occupied Commerial Properties

Owner Occupied Commerial Properties

Owner Occupied Commerial Properties

  • Loan terms up to 25 years
  • Up to 75% LTV; 55-65% LTV for special use
  • Third-party lease income taken into consideration
  • 5 year adjustment periods, in some cases up to 15 years
  • Cash out available

Investor Properties

Owner Occupied Commerial Properties

Owner Occupied Commerial Properties

  • Loan terms up to 25 years
  • Up to 75% LTV; 55-65% LTV for special use
  • 5 year adjustment periods, in some cases up to 15 years
  • Cash out available
  • Debt service based on current leases

Religious Real Estate

Owner Occupied Commerial Properties

Religious Real Estate

  • Loan terms up to 25 years
  • Up to 70% LTV considered
  • Third-party lease income taken into consideration
  • 5 year adjustment periods, in some cases up to 10 years
  • Cash out available

NJ EDA Financing

NJ EDA Financing

Religious Real Estate

  • Loan terms up to 25 years
  • Up to 90% LTV
  • Conventional financing for 60% of the transaction
  • Up to 30% of the project financed by the NJ EDA
  • 10% injected by borrower
  • EDA rate lower than conventional portion of the loan

SBA Financing

NJ EDA Financing

SBA Financing

  • Loan terms up to 25 years
  • Up to 90% LTV
  • Conventional financing for 50% of the transaction
  • Up to 40% of the project financed by government guaranty program SBA 504
  • 10% injected by borrower
  • 40% portion of the loan fixed up to 25 years and fully amortizing (504 program)

About Us

The principals at P & A Financial Services have been involved in commercial business and real estate transactions as lenders, builders, former NJ licensed real estate brokers and investors for over 30 years.  In the past, they have worked for lending institutions in all areas of commercial finance. Years of experience and personal commitment ensure that the deal closes and everyone gets paid. The team at P & A Financial Services has been known to close loans, including real estate, within 30 days of approval. Many of your competitors are utilizing our services and welcome requests for references.


 With a streamlined process, personalized service and competitive terms, you’ll discover that P & A Financial Services will make a noticeable difference in closing your loans. Put us to work today to help you with this important part of your transaction.


We are currently celebrating 15 years in business!

We Close Loans!

PURPOSE: $7,740,000 EDA participation for real estate acquisition


BORROWER: Signage and supplies manufacturer


LOCATION: Bloomfield, NJ

PURPOSE: $17,925,000 loan for real estate investment


BORROWER: Real estate investor


LOCATION: Queens, NY

PURPOSE: $6,637,000 loan to refinance debt


BORROWER: Yeshiva


LOCATION: New Square, NY

PURPOSE: $10,629,000 504 loan for real estate acquisition


BORROWER: Grocer and janitorial supplies company


LOCATION: Northvale, NJ

PURPOSE: $12,250,000 loan for refinance of three properties


BORROWER: Moving and storage company


LOCATION: NY & NJ

PURPOSE: $5,990,000 7A pari passu loan for business acquisition


BORROWER: Home goods business


LOCATION: Ridgefield, NJ

Useful Links

NJ EDA

Pursuit

NJ EDA

Go There

SBA

Pursuit

NJ EDA

Go There

Pursuit

Pursuit

EDA Premier Lender Program

Go There

EDA Premier Lender Program

EDA Premier Lender Program

EDA Premier Lender Program

90% Financing in NJ

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SBA 504

EDA Premier Lender Program

SBA 504

90% Financing with 25 years fixed on 40%

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SBA 7A

EDA Premier Lender Program

SBA 504

90% Financing

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Contact Us

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P & A Financial Services LLC

58 US Highway 46, Suite 110, Budd Lake, New Jersey 07828, United States

(973) 300-5555

Hours

Monday - Friday: 9am - 5pm

Saturday: Closed

Sunday: Closed

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