Letter from our founder

If I’ve learned one thing in my 30-year banking career, it’s that commercial lenders are NOT one size fits all.  Although they may have similar criteria for making sound credit decisions, they can vary greatly in their appetite for specific project types as well as their capacity to lend.  Many unaware borrowers go to their current bank to request a commercial loan, but often their bank does not have an appetite for that type of credit risk and declines the loan.  It does not mean the transaction is a bad credit risk for the borrower. They have simply chosen a bank that does not prefer or understand that particular credit risk. 

This is a common challenge for commercial borrowers which was my driving catalyst for forming KM Funding.  My experience as both a banker and a commercial broker, enables me to choose a lender that has experience with your specific commercial funding need which can make all the difference in your success. 

Another important factor depends on the lenders approving authority and the internal approval process.  There is nothing worse than receiving a “no” from a lender right before closing.  This can cost you, the borrower greatly.  KM Funding has built strong relationships and trust with decision-making commercial lenders who actually deliver at closing. 

At KM Funding we take the time to underwrite, package, and present complete approval-ready credit packages that create an advantage to the borrower for securing competitive rates, quicker approvals, and efficient closings.  We advocate on behalf of the borrowers to structure loan requests that line up with your specific goals and needs.  It means more than negotiating favorable rates and terms, it means providing a solution that serves the client and their business well after closing the loan. 

KM Funding can help you navigate through the commercial lending process with confidence knowing you have greater access to the best lending solutions available.   

Our goal at KM Funding is to serve our clients as the most reliable source for providing the best funding solutions available in healthcare and commercial real estate. We pride ourselves on building relationships and look forward to serving as an extension of your business as lending needs arise.  We will maintain your credit package in our secure network making it easy for us to support your future borrowing needs.