Choosing the Perfect Venue For a Business Meeting

If you are searching for the perfect hotel in Sydney which can host a world class business meeting then the internet is the best medium which will help you decide. A business meeting requires a calm and stress free environment so that business can be explained without any disturbance. A perfect venue will not only provide you with world class services but will also help in communicating effectively. Most of the Sydney city hotels understand the requirements and provide services accordingly. Business meetings are held at various levels and different hotels provide services at various levels as well which tests the researching abilities of the organizer.

While choosing a hotel for a business meet you should make sure that the venue meets following requirements:

The most important is the location of the hotel or the venue. You should always choose a venue which overcomes the geographical barriers. Easy accessibility of the venue will ensure that you customize the event according to your own wish. Make sure that the venue is reputed enough so that the people who are coming to attend the meeting reach without any problem.

Each and every business meeting should be visualized before hand so that you can have a clear picture in your mind as to what you need and how you need. You should always choose a hotel which provides all sorts of business facilities which will help in catering to your needs.

The space can be a very sensitive issue and you should be very careful while deciding for the space required. The scale of business meetings differs by and large and you should always choose the venue accordingly in order to have a perfect business meet.

It is highly advised that you should search for reviews written by real clients on the internet. These reviews will help you gain all the information about different hotels across Sydney. There are hundreds of hotels all around the city and you can easily choose the one which suits your requirement. If the budget is an issue then you can easily find some of the best budgetary hotels which provide quality services as well. It is believed that the venue has a big role to play in the success of a business meeting which makes choosing the venue as one of the most critical decisions. Every year thousands of business meetings are held in Sydney and you can easily find a perfect venue for a successful business meeting.

Small-Medium Business – 7 Tips For More Effective, Purposeful and Shorter Business Meetings

The Constant Complaints
People complain constantly that lots of the meetings they attend are inadequate in some way. No conclusions are reached. No decisions are made. Disagreements aren’t resolved. Other people waffle on. Note that it’s always “others” who waffle. The meetings drag on. They don’t get a good hearing and so on and so on.

These ideas may help alleviate the worst meeting excesses

1. Be Punctual.
Start on time regardless of how many of the expected people are present. If that means latecomers miss out on something they wanted to say, so be it. Over time they’ll learn to be punctual.

2. Finish On Time.
Set a finish time and stick to it. If you have unfinished business when the allotted time expires, schedule another meeting. It’s quite unreasonable to expect busy people to sit in seemingly endless meetings when they’ve already interrupted normal work to attend.

3. Restrict Participation.
Invite contributors only. No one should be asked to attend a meeting “for experience” or “as a presence”. If people have nothing to contribute or aren’t likely to be affected by what’s discussed at the meeting, there’s usually no need for them to be at the meeting.

4. Clear Objectives.
Specify the purpose of the meeting and stick to it. Stop participants from introducing other issues unless they are likely to have a major impact on the meeting purpose. Have a topic and a goal and stick with them.

5. Full Participation.
Encourage full participation at all times. Try to ensure that everyone feels that they’ve had the opportunity to “have their say”. Some participants may want to out talk or talk down others. Stop this sort of thing the moment it starts.

6. Encourage Small Meetings.
Where only a few participants are qualified to speak on a particular aspect or issue, encourage them to meet separately and report back to the whole group. This also ensures that your meeting isn’t bogged down in discussing technical matters where few participants have the expertise to participate fully.

7. Record Decisions.
Make notes of any conclusions or decisions reached. Record to whom responsibilities are allotted with deadlines. Circulate this information to attendees after the meeting. If another meeting is necessary, schedule it before people leave. If you need another meeting, it’s best to arrange it while everyone’s together.

Conclusion.
Meetings can be boring, tedious and even unpleasant. They can also be effective, purposeful and enjoyable. Every business meeting should enhance and improve business progress and success. If that’s not the case in your business, try these tips.

Go Commercial – How To Cash In On A Growing Market

To add a little oomph to business these days, LO’s are turning away from the residential realm and focusing their efforts on potentially bigger fish – the commercial arena. Find out the differences between the two markets – from documentation to financing – and why you should line up to tap these unchartered waters. As a bonus, a commercial originator in action shares his words of warning before stepping into bigger territory.

With the subprime fallout, amped up regulation and a slowing residential market, many originators are feeling the squeeze of increased competition and fewer deals.

“Many brokers are making the transition into small commercial lending as a way to serve their existing clients better, and to branch out into a growing market,” said Reed Larsen, vice president of Homeland Mortgage Inc. and Homeland Funding Corp. “Many mortgage brokers have worked hard to build good relationships with their clients over the years, particularly with small business owners and self-employed borrowers who need the kind of expertise and the level of service that good brokers provide. These entrepreneurial clients often ask their brokers about commercial loans, and brokers would rather close those loans than send their hard-earned clients down the road to a competitor.”

What’s the difference?

While both residential and commercial brokers seek to find loan deals for individuals buying property, the methods to get these loans are very different.

Forms

According to Kristin Williams, of Silver Hill Financial LLC, residential deals all require the same forms.
“It’s very standardized,” she said. “1003, 1008, VOD, VOE, etc. But in commercial, each company has their own separate set of documents they require.” In commercial, the deals are all non-standardized and individualized.

Finding value

When it comes to finding comparable in the residential realm, Williams said it is usually easy and quick.

“Traditionally, residential properties are very cookie cutter so you can get several appraisals done very quickly — because there are so many comparable properties out there,” she said. “In commercial, buildings are extremely unique. Appraisal time takes much longer because it’s harder to find similar property types.”

This can lead to more complex, more thorough appraisals — up to 100 pages long — which can take up to four weeks and cost between $1,500 and $4,000.

Calculating loan amounts

According to Williams, residential loans consider extensive loan-to-value (LTV) ratios, sometimes 100 to 115 percent.

However, in commercial, “traditionally, LTVs are very limited just because of the riskiness of the transaction,” she said. “They offer lower LTVs to lower their risk. About 75 percent, sometimes 80 percent is the highest LTV for commercial.”

Also, residential originators consider a borrower’s debt-to-income (DTI) ratio by assessing the individual’s personal income. In a commercial transaction, however, a debt service coverage ratio (DSCR) is assessed, which considers how much a property or business occupying the space must have to cover its debt.

What can be financed?

While every financial institution is different, many consider the following to be eligible property types for funding: Multifamily, mixed-use, office, retail, self-storage, light industrial, bed and breakfast, warehouse, mobile home park, industrial, funeral home, flagged hospitality, rooming house, health care, day care, RV park, unflagged hospitality, restaurant, and gas stations.

In Silver Hill’s case, the following are considered ineligible properties and it would not provide funding: traditional churches, raw land and farms, construction, development, rehab and adult entertainment facilities.

It is best to ask your lender before continuing with the transaction.

How does financing work?

While traditionally, residential brokers can obtain funding with a local lender, LOs need to do a little investigative work to find the best deals for their client. What financing sources are available to commercial brokers?

Banks

“Traditional banks and credit unions are great at offering loans at very competitive rates for your higher-credit-score client,” Williams said. “However, they do have some specific guidelines of the types of properties and the loam amounts. Lots of times, the riskier the property type, the less opportunity you have at a traditional bank.”

Banks also charge a large good faith fee before the loan is even processed, sometimes upwards of $5,000.

SBA loans

SBA loans are multi-faceted if someone wants to pay for the building, business or equipment all in one. It is also good as a standard business loan to provide funding for disaster relief. However, SBA loans take a lot of time — up to 3 months — to finish and requires a lot of documentation.

Private/hard money lenders

Private/hard money lenders are the last-stop shop that is great for high-credit-risk clients, Williams said. They are also bankruptcy or foreclosure friendly.

“They get the loan done quickly,” Williams said. “However, the loan terms are the least favorable with extremely high interest rates — upwards of 15 percent — and the loan balance will come due at a very short period of time.”

There is also a lock-out period that freezes the client from refinancing.

Small-balance commercial lenders

“The credit requirements are a little more acceptable (with a small-balance commercial lender),” Williams said. “They will provide your clients more options and get your loans done quicker.”

Williams did say, however, that all small-balance commercial lenders have their own set of requirements and procedures and it is important to research them and educate the client before going forward.

Buddying up

Finding a good commercial lender may be easier than originators think, as many are reaching out to brokers — teaching them how to make the residential-to-commercial change and establishing referral relationships.

“As small business in America continues to expand, commercial lenders are reaching out to educate and train mortgage brokers on how to originate commercial loans both as a way to build a viable sales channel into the small commercial market, and as a way to leverage the good relationships brokers have already built with their entrepreneurial clients,” Larsen said. “Lenders are making it easier for brokers to make the transition, by simplifying the application requirements, providing classes, distributing marketing materials and program information, and coaching brokers through the commercial loan process from start to finish.”

Benefits of going commercial

“(Commercial) is the ideal arena for accommodating the skills and experiences of residential mortgage brokers,” said Joe Mardesich, president and CEO of Nationwide Commercial Funding, a national mortgage brokerage. “There are numerous advantages for being in the commercial mortgage business.”

Less sensitive to interest rates

The residential loan business is highly sensitive to interest rates, Mardesich said. The higher the rates, the lower will be the number of homeowners who refinance, take out equity loans or consolidate debt. And though the purchase loan business is still available, it may eventually slow if rates rise to a point where fewer people will be able to qualify as home purchasers.

In the commercial mortgage sector, however, rising rates do not have the considerable negative impact that exists in the residential mortgage sector.

“First, most commercial mortgages have balloon payments,” Mardesich said. “Most commercial borrowers have no choice but to refinance or to sell, regardless of where rates may be, every 5 to 10 years. Both selling and refinancing result in new loans, which of course. mean income for the commercial broker.

“Second, commercial real estate owners and investors make their money by buying, selling, exchanging, developing and refinancing. They don’t stop doing deals as rates move up or down. They find ways to have increased interest costs covered by their tenants or other end-users of their properties. Homeowners, by contrast, want to buy a place in which to live and must factor interest costs into their budgets. If interest rates put homeownership out of their reach, they will remain renters, tenants of those who utilize commercial mortgages.

“Third, as indicated above, rising rates can actually increase rental demand and revenue for the owners of apartments, mobile home parks, and certain other types of properties. The beneficiary is not only the owner, the developer of apartments, and the developer/owner of mobile home parks, but also the mortgage brokers who help to finance those properties.”

Growing competition in the residential mortgage business

According to Mardesich, more and more real estate agents are competing with mortgage brokers.

“The numbers increase daily,” he said. “With the Internet, people can shop online and have 5 or 6 lenders or brokers competing for their business with a mouse click. The loan products you and your competitors sell are all the same, because the secondary market is so consolidated in the residential industry. The residential mortgage business has become a frantic ‘commodity’ business, providing revenue to the lowest bidder.”

In the commercial mortgage business, however, the lowest bidder is not necessarily king. There is much less competition than in residential real estate. And there are many portfolio lenders who do not sell their loans to a consolidated secondary market, i.e. there are a great variety of available programs from one lender or broker to another. As a result, by specializing and developing a niche, you can develop a meaningful competitive edge, Mardesich said.

Less regulation in commercial

The residential industry is chock full of rules and regulations.

However, in the commercial mortgage business, you don’t have to worry about the Real Estate Settlement Procedures Act. There are no Good Faith Estimates. No TILAs. You can pay referral fees to anyone, regardless of the service they may perform. Yield spreads are generally not disclosed. Most states do not require any licensing for commercial mortgage brokers, Mardesich said.

The rewards of commercial

The rewards of the commercial mortgage business can be substantial, impacting income and lifestyle. Yet, comparatively few residential brokers are reaping the rewards that await them in the field of commercial mortgages.

According to Williams, commercial brokers who close with Silver Hill average a commission of $10,400, compared to the $3,000-$8,000 with a residential loan.

“Brokers know that the market is strong and growing,” Larsen said. “They see commercial lending as a great way to serve their existing clients better, provide a more complete array of lending products to new customers, and continue to grow despite the recent woes of the residential lending market. It has never been easier for a good residential loan broker to step up to commercial lending.

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