Commercial Loan Refinancing Raleigh NC

Looking for Commercial Loan Refinancing in Raleigh? We have compiled a list of businesses and services around Raleigh that should help you with your search. We hope this page helps you find Commercial Loan Refinancing in Raleigh.

First-Citizens Bank & Trust - Five Points Branch
(888) 323-4732
2001 Fairview Road
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM. This fee only applies to accounts opened in NC, VA or WV. (Fee does not apply to all accounts.)
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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First-Citizens Bank & Trust - Cameron Village Branch
(888) 323-4732
2005 Clark Street
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM. This fee only applies to accounts opened in NC, VA or WV. (Fee does not apply to all accounts.)
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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SunTrust - Cameron Village Harris-Teeter Branch
(800) 786-8787
501 Oberlin Road
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - State University Branch
(800) 226-5228
1806 Hillsborough Street
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Cameron Village Branch
(866) 245-3452
601 Oberlin Road
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Hays Barton Branch
(866) 245-3452
2016 Fairview Road
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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SunTrust - Cameron Village-Clark Ave Branch 434
(800) 786-8787
2101 Clark Avenue
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Bank of America - Cameron Village Branch
(800) 432-1000
321 Oberlin Road
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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BB&T - Cameron Village Branch
(800) 226-5228
611 Oberlin Road
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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RBC Bank USA - Cameron Village Branch
(800) 236-8872
1959 Clark Avenue
Raleigh, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $29.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2 fee each time you use an unaffiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact RBC Bank USA for details.
Services
Debit Reward Programs, Overdraft Protection, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Commercial Loan Refinancing

Commercial loans once acquired are often never reexamined to insure that the best financing value has been negotiated. It is an understatement to say that the business world is dynamic and economic conditions are always evolving. Changes often occur that might indicate the need for the reevaluation of a company or individual position with respect to commercial loans . There are several important reasons that might cause one to consider refinancing of a commercial loan . A few of these reasons are enumerated below;

1. Taking advantage of equity gains that may be realized which could enable the borrower to free up capital for other expenses or ventures. This option is often referred to as "cashing out" and offers an opportunity to invest the equity that has accrued in a manner that offers a higher return.

2. Interest rates may have declined or another commercial lender is offering a lower rate and it is prudent to take advantage of reduced payments. Reduced loan payments obviously affect cash flow and enhance one's financial position.

3. Another acquisition may provide an opportunity to combine loans and recognize increased cash flow or take advantage of more favorable terms and conditions. Combining notes may offer the opportunity to take advantage of the equity that has built up in one note to obtain more favorable financing for another. It also offers an opportunity to strengthen a financial statement by closing out a note under favorable conditions.

4. Taking advantage of an opportunity to lengthen the period of the loan and realize an increased cash flow as well as to take advantage of tax concessions.

5. It may be appropriate to pay down some of the note and renegotiate terms and conditions to strengthen one's financial statement.

These potential reasons have been highlighted for illustrative purposes, but there are other reasons that may cause one to seek commercial loan refinancing . Each individual or company circumstance will dictate differing responses. As with any decision, an evaluation of the advantages and disadvantageous is necessary to insure that the effort is worth the reward. One needs to assess the total impact of the decision with regard to tax implications, the advantages of cashing out equity, the effect on one's present financial statement, the opportunities for additional investment and the actual savings that may be available.

It is important to note that a detailed analysis may ...

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