Distribution and light manufacturing
Outgrown a leased unit twice, needs power and dock doors nobody wants to fit out for a tenant.
About the desk
A capital desk for
people who occupy
Bollard is built around one customer: the operating business buying, building or refinancing the property it works out of. Everything on this site — the programmes, the calculators, the intake — follows from that one decision about who we are for.
01
The position
Not a bank, not a broker's list
A desk that places owner-occupied debt sits between two markets that rarely talk to each other: conventional bank credit, and the SBA structure that sits behind it.
A conventional lender is comfortable at fifty percent of a project and uncomfortable above seventy. A Certified Development Company can hold a twenty-five year fixed second, but only inside programme rules, and only behind a first mortgage somebody else has agreed to write. Neither of them assembles the deal.
That assembly is the job. Which bank will take the first at what leverage, which CDC has capacity in the debenture pool you need, whether the equipment belongs inside the project or beside it, and what the whole thing costs once the fees are financed and the two payments are added together.
It is unglamorous work and it is where deals are won and lost. A borrower who is handed one lender's answer has not been advised; they have been introduced.
The other half of the job is saying no early. The cheapest stage to be told a deal does not work is the first one, before an appraisal has been ordered and a seller has been given a closing date nobody can meet.
Where the desk works
Kansas City, MO, and lending across 12 states in the middle of the country.
- Missouri
- Kansas
- Nebraska
- Iowa
- Oklahoma
- Arkansas
- Illinois
- Indiana
- Ohio
- Texas
- Colorado
- Tennessee
No street address is published on this site. Bollard is a fictional business created for a website demonstration, and putting an invented address on a page — or worse, into a map — would point at a real building belonging to someone else.
02
How it would work
Four things a desk owes you
The exit is underwritten before the loan
Every short-term facility here is sized against the take-out that repays it. A bridge without a credible exit is a countdown dressed as a loan, and the right answer to it is no.
Conditions in the same size type as the rate
A term sheet is mostly conditions. Ours would put them on page one, because that is where the closing date actually lives.
One consolidated question list
A file that produces four emails a week with one item each is not being run. Questions get gathered, sent once, and chased once.
The balloon, named at signing
If a loan matures with three quarters of it outstanding, you should know the dollar figure on the day you sign, not in year six.
03
Who it is for
The businesses this shape suits
Owner-occupied lending is not a product for everyone who wants a building. It is a product for companies with trading history, real cash flow, and a reason to be in a specific space.
Owner-operated retail and food service
A location the business is identified with, where a lease renewal is a threat rather than a formality.
Practices with expensive fit-out
Medical, dental and veterinary, where the improvements cost more than a year of rent and belong to the landlord.
04
Honesty
What this site is not
Bollard Commercial Capital does not exist. It is a demonstration of what a commercial lending website can be, built by TheBigBot.com, and it is deliberately checkable as fiction:
- No team page, no named staff, and no stock photograph captioned with an invented person’s name and title.
- No licence, registration or NMLS number — an invented number in a real registry format could collide with a working lender’s.
- A phone number inside the range reserved for fiction, so it cannot ring a real business.
- No street address, no coordinates in the page data, and no map embed to hand an invented address to a geocoder.
- No testimonials, no review counts, no star ratings, no volume claims, no awards.
- Every rate, payment, term and closing labelled as an illustrative worked example.
What is real
- The mathematics. Amortisation, DSCR, debt yield, carry and break-even are computed properly and are worth using.
- The programme structure. The 504 split, the occupancy tests, the debenture caps and the term rules are described from public SBA guidance.
- The sequence. The closing timeline, the stalls, and the order in which things get looked at are how these deals actually run.
Programme rules change. Anything here that you intend to rely on should be confirmed with the SBA and a Certified Development Company.
Full disclosuresNext bay
Tell us about the building
A twenty-minute conversation is usually enough to know whether a deal works, which programme fits, and what your equity actually supports.
Or call the desk
(816) 555-0142Monday to Friday, 8am – 6pm Central
A demonstration number in the range reserved for fiction. It does not ring anywhere.