PROSPER SYSTEMS' and ASSOCIATES CURRENT LENDING PREFERENCESGenerated from LenderCriteria.ProsperSystems.biz Also see FunderCriteria.ProsperSystems.biz and Funders.ProsperSystems.biz
Coordinated wtih our List of myriad FINANCE Options
Used in conjunction with consulting at Funding.ProsperSystems.biz
Reload on each visit to ensure latest version Last update 10/29/2026 by KHJ Download easily-printable PDF version Latest stored at Lenders.ProsperSystems.biz
Current Preferences for the Lending organizations to which we consult:
Locality: US, Canada, Americas
Industries: Commercial and Residential Real Estate Projects, their Technologies, AI, Clean-Tech, Natural Resources
Amount: us$500K - $100M+
Types of Loans (Note, Line of Credit, SBLC, BG, Convertible Note, ): all
Collateral Preferred (Signature, Cash Flow, Real Estate, Equipment, Equity, ): all
Source (Individual, Private, Family Office, Bank, SBA-Qualified, ): all
Loan basis (LTV, LTC, ): LTV and LTC
Loan Basis (% - range): 60%-90% (special arrangements to 100%)
Interest (%, per year - range): Fed Rate + 3% or more (currently 7% - 15%) (high-end based only on collateral, and usually short term)
Term: 1-30 years (low-end if based only on assets)
Initiation/Consulting Fees (% of loan paid - if needed; in advance or with draws): 1-3%, minimum $2000
Origination Fees (% of loan paid - at closing or with draws): 1-3%
Total Loan Fees (% of loan - including specialized fees): 1-7%
Stage of Development (Concept, Pre-Production, Production, Growing, Mature): Pre-Production through Mature
Advice Availability from the Lender (Low, Medium, High): Low (Medium from Prosper Systems)
Required Documentation (Brief,* Exec Summary, Pitch Deck, Business Plan, Financials - type, age, #, Projections -type, Appraisal - age, ): Brief, P&L, recent month Financials and less than 3-month Appraisal on collateral
Application Procedures (Intake Form, Phone Meeting, Video Meeting, Face-To-Face Meeting, ...): Intake form and documentation, then phone meeting or if close, face-to-face meeting, then additional meetings
VERY IMPORTANT
Neither Prosper Systems (PS), nor its Founder, Kenton H Johnson, are licensed Real Estate or Lending Brokers, Securities Dealers or Investment Advisers. However, PS has an Attorney on its Team, as well as works closely, engages and will have other Licensed individuals or firms on its Team. PS makes no warranties or representations as to the quality of an opportunity, the integrity of the Buyer, Owner or associated Collaborators, or the value of a given transaction. PS is acting only as Collaborator with Buyers, Owners or their Collaborators. All due diligence is the responsibility of Buyers, Owners and their Collaborators.
~~~~~~~~~~~ Kenton Johnson <FromWeb@ProsperSystems.biz>, Founder, Schedule a Call (with Video options) Copyright © 2015-2026, Prosper Systems, Denver CO USA. All rights reserved. Prosper Systems, a Denver-based boutique founded in 2000, provides $500K to $50M in CRE acquisition debt and equity, and takes great care of referrers (up to 20%). |