When the bank says no, Kennedy likes to say yes.

Every loan has its own path to follow--most begin with a banking institution or traditional lender. It is at that point when the paths may diverge--what happens to the real estate development project, entrepreneurial brainstorm or business concept when the bank declines?

For some, that's the end of it. For others, only the beginning. The savvy businessperson knows to look for alternative money sources, such as Kennedy Funding. Whether it's a bridge loan, acquisition loan, construction loan or other legitimate commercial purpose, Kennedy has a reputation for delivering loans when the traditional sources balk. We apply careful consideration, just as they do; the difference lies in the scope of our vision. Kennedy sees beyond the stringent formulas and elaborate cash flow requirements of the banks. We have our own thorough appraisal process, and it is much more receptive to developers with strong goals and unique approaches. A raw land deal in Mexico? We're in. An upscale golf course on the coast of Maine? Can do.

One of the hallmarks that set Kennedy Funding apart is our unusual approach to collateral. This is especially evident when compared to traditional lending institutions. Our approach is more generous, and it's underscored by our attitude toward "raw land." We consider raw land to possess beauty and potential far beyond its undeveloped state. We view the promise at least as much as we consider the land itself. The majority of standard lending institutions are reluctant to consider raw land as collateral, but at Kennedy Funding, we embrace it. We adopt and buy into the client's vision, whether it's a golf course, amusement park, resort, airport or condominium complex. The client's dream becomes, in effect, our dream. In this way, we've made commitments from $1 million to over $100 million in as little as 24 hours, even with the raw land as the only collateral. This is yet another case in point of the kind of speed, creativity and flexibility few, if any, lenders can match.

Here are two recent examples of our raw land philosophy in action:

* A $12 million resort community real estate loan, which closed in just one week, helping to finance a 476-unit resort community on a Katrina-ravaged tract of land on the Biloxi, Mississippi Gulf coast

* A $50 million loan to Saguaro Ranch in Tucson, Arizona for a 1,035 Acre/180-lot luxury residential and intimate resort development

In addition to a creative financing and a major reduction in red tape, the partners and associates at Kennedy Funding take a personal interest in every loan we become involved with, resulting in fewer hurdles, less confusion, less delay and superior follow-through. Our depth and attention to detail is obvious in each and every loan we make, and surpasses most, if not all, of the bank loans.

Private lenders are usually more expensive than the traditional money sources, but the extra cost is mitigated by the extra service. At Kennedy Funding, we can move extraordinarily fast--committing in as little as 24 hours and closing in five days or less. In an era in which successful business transactions are often based on speed, this is a significant advantage.

Compared to a bank loan that could take weeks or months, the quick response generates savings that more than compensate for the cost. Plus, we have on-staff experts in a variety of disciplines, able and willing to guide your transaction through whatever complexities may occur. And with Kennedy's new lower rate program--as low as 9% plus 2 points--loans are more competitive than ever.

Creative financing has made Kennedy Funding one of the nation's leaders in direct private lending. Our speed and flexibility have put us at the forefront of the lending industry, and with a capacity that ranges upwards of $100 million or more, there are few enterprises with needs beyond our reach.

Finding the alternative money source is often a challenge, one that Kennedy has met for many grateful developers. Recently, in fact, Kennedy has experienced repeat customers--borrowers who came back to for 'second helpings,' bypassing the traditional route altogether. That stands as impressive testimony to our skill at producing the right loan at the right time and within affordable parameters. On our web site you'll see the expression "Making the impossible look easy," and for many people in the market for a loan, it has proven oh-so-true.

Kennedy Funding is a direct private bridge loan lender based in Hackensack, New Jersey. The firm has been serving commercial borrowers since 1986, meeting the needs of a diverse client base that includes commercial real estate ventures and business enterprises in the U.S. and increasingly, international markets.