“A&S Balance Sheet Lender’s Capital Grows 10X Based on Trust and Execution”


With historically low interest rates and the pull of pandemic-inspired real estate to America’s most sought-after markets, the real estate industry has seen a busy period. In June 2021, home prices in the United States recorded their 112th consecutive month of year-over-year gains, and the four major regions of the United States saw double-digit price growth over the past year. last year, according to National Association of Real Estate Agents. Meanwhile, inventory and the speed of sales have been steadily declining.

Of course, real estate transactions cannot be done without financing. As the real estate market soars, A&S Capital, a Florida-based balance sheet loan company, has grown into one of the market’s most notable success stories, providing short-term financing for single-family and multi-family real estate transactions and expanding across the United States from its base in the southeast.

In times of stress, as businesses and individuals weathered the Covid19 pandemic, A&S ‘certainty of execution and ability to reduce lengthy and bureaucratic processes through its strong balance sheet and cutting-edge draw process are become more popular than ever. Using blockchain technology, A&S ‘pulling process is painless, as they can deliver funds in as little as 24 hours to its clients, before an in-person inspection is complete. Indeed, the company’s adherence to its core values ​​and its customer-centric approach has paid off. Business jumped as existing customers returned for regular business and were joined by new customers, mostly through word of mouth. A&S has grown tenfold in two years, from $ 50 million in active loans on its balance sheet in 2019 to a projection of $ 500 million by December 2021.

In business, trust says it all. For real estate companies, it is often possible that, even after a lender approves a loan, the money is not there on the day of closing or the lender changes the terms at the last minute, and the risk can be crippling. “We put ourselves in the shoes of the investor,” explains co-founder Alexis Agopian. “Trust means certainty of execution, and we deliver. “

Launched in 2017 by Agopian and Jorge Silberstein, with the arrival of Credit Manager Martin Bedecarratz in 2020, integrity and a deep commitment to its customers have always been at the heart of A&S vision. Like the people they serve, A&S decision-makers had a dream: theirs centered on building a business that could offer tailor-made solutions for unique capital needs, while remaining committed to making the process painless, transparent and successful loan for all clients. .

Four years later, the team has made their vision a reality by helping clients achieve their own dreams. There is no intermediary at A&S. As a direct lender, when you contact the business for a loan, you speak directly to one of the owners. This strengthens clients, which is further enhanced by the fact that the company provides access to balance sheet loans, tailored to specific needs, and embarks on every transaction with a shared passion and values, thus building relationships to long term highly appreciated.

“It takes years to build a reputation, but seconds to ruin it, and we understand that,” said CCO Bedecarratz, who cites as an example a recent $ 3.9 million deal involving a building. 60-unit multifamily in Atlanta, Georgia. the ability of the lender to attract clients through its efficient execution capacity, by providing a trustworthy service under pressure. “We made this agreement in a week,” he explains. “The borrower’s primary lender was delaying the underwriting process when he knew time was running out and the borrower risked losing the deal. We saw this as an opportunity so we came up with aggressive conditions and a one week close. We have executed exactly as we promised, we have won the trust of the borrower and are now considering funding another 40 unit deal that they have under contract.

This experience of cultivating trust so that A&S customers come back time and time again has forged a strong bond between A&S and its customers.

“A&S has assisted us in the growth and acquisition of several multi-family buildings and fractured condo projects in South Florida,” says A&S real estate developer and returning client Mike Sagaro, who owns more than one thousand properties and manages six thousand properties. . “The relationship and the timing have been great. When they come with approval, that’s the real deal. I’ve been in this game for a long time and they are hands down one of the best service providers I’ve come across.

So what really sets A&S apart? Unlike traditional financiers, who often sell client notes to third-party aggregators, A&S is able to keep notes on their balance sheet from start to finish, which means that in most cases the borrower is dealing alone with A&S throughout the process. Common sense loans are their bread and butter. Their strong balance sheet (much higher than the industry average) allows them to be flexible and creative in the way they structure the loans and projects they undertake, meaning they can fund transactions that the bank does. or other lenders may not finance despite the potential of the project.

As accredited members of the American Association of Private Lenders and the National Private Lenders Association, the financiers at the helm of A&S have established themselves as pioneers in their industry and a trusted voice for its future. Bedecarratz is expected to be a speaker at this year’s highly anticipated Pitbull Conference, the nation’s largest private lending conference, to be held in Austin, Texas this October.

“Customers know that when we say ‘yes’ we mean it,” says Agopian. The co-founder often remembers one of the first deals A&S made, “we were trying to win this loan, but our borrower had doubts. They were concerned, due to past bad experiences with other private lenders, that we would not have the funds at the time of closing. So we made an exception and sent the funds into escrow, waiting a few days while the client finished gathering all the documents. We did it, our client felt 100% comfortable and we were able to close the deal successfully.

Do you have a deal? Talk to decision makers.

About Kristina McManus

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