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Why Customers Prefer Blackhawk Services For Constructing Financing

Have you ever thought of getting a private mortgage for your construction project? Many real estate developers know of this option but they are hesitant to try it. One of the things you should consider when looking into construction financing is convenience. There are many lending institutions that can finance your construction project. Securing a loan from them is however, a nerve-wrecking exercise. A good number of the lending institutions have complex application procedures and requirements that put off customers.

To begin with, it is important to appreciate that funding of a loan or buying a promissory note is a risky investment. The lender is taking a risk to invest their money in your project, hoping that you will pay back as agreed. Peer to peer investing is one of the most popular lending options for construction projects in the marketplace. This is where individuals lend each other directly without using intermediaries.

Some projects however, are just too big for individuals to finance. Various lending companies have taken an interest in the peer to peer lending because they believe that is where they will find most clients. It is important for you to choose your real estate peer lending partner carefully. Blackhawk is one of the most reliable peer to peer lending platform in the marketplace today. If you are looking for a real estate peer to peer investor, then you should consider using Blackhawk’s services.

Most of the big real estate investors prefer using trust deed investing. When they are lending money, they prefer it to be collateral-backed. There are very few peer to peer lending agencies that will give their clients this service. Blackhawk is one of those few agencies. Most banks have abandoned both residential and commercial investment mortgages.

At this time, peer investors have got the biggest opportunity to fill in those gaps. They can invest in prime real estate projects with low risk and better returns. That is what any investor would want. We have created the right environment where all lenders will feel comfortable lending out their money to real estate projects.

Blackhawk does not just serve the interests of the lenders, but borrowers as well. As a borrower who has been shut out from other options in the credit market, we have the best solution for you. Borrowers can access friendly rates for the loans they need making it possible to finance various projects.

Options for Commercial Real Estate Investing

Whether you are just getting into Commercial Real Estate or a seasoned investor, you’ll quickly realize each project is unique.  Being able to familiarize yourself with the many situations you can come across will open up many options to overcome these hurdles.  This is usually in financing and capital stack.  At some point you will come across a commercial mortgage broker who can help you identify solutions to your financing needs.

Depending on your project, you may need to talk to a few brokers for your needs.  Working with mortgage brokers has its own benefits and disadvantages. They have professional advice that will help you fulfill all the requirements needed in the lending institutions.  It goes without say that these people will charge you for the services they provide. Some of them ask for hefty fees that you may ask yourself whether you should really engage them.

With commercial real estate investing, there are other avenues that one can use to get the capital they were looking for.  With peer to peer investing, you can be sure of securing affordable loans that are not being offered by the traditional lending institutions. You are also cutting fees that would normally go to the broker.

You can now make the lengthy loan application processes in the traditional lending institutions a thing of the past. With peer to peer lending, you will not need to go to a mortgage broker. After a simple online form and intelligence, this social lending platform matches you with the right program.   Here, the lenders are individuals who will agree to loan you the capital you need.

Even individuals with a poor credit history can still secure loans with P2P lending.  If you have been turned down and need an alternative, maybe its time to look into Peer-to-peer lending. Log-on to for more information.

Blackhawk Makes Headway in P2P Lending


Over the past year, Blackhawk has successfully matched investors to borrowers in need of mortgage loans. When banks and other traditional lending institutions turn down a borrower, Blackhawk provides an excellent alternative. Blackhawk’s borrowers can receive financing for commercial real estate projects as well as investment properties within a short period of time with minimal hassle and a transparent process.

In February of 2013, Blackhawk launched their beta website and by June of the same year they had developed their own unique workflow system and its matching algorithms. Their peer investor database currently stands at a remarkable lending capacity of more than several billion dollars across the country. By the end of 2013, Blackhawk had funded close to $15,000,000 solely in commercial loans and also achieved a run rate of $60,000,000.

It is common knowledge that most banks abandoned the investment and commercial mortgage market, leaving a major funding gap that needed to be filled. Peer-to-peer lending is filling this gap to ensure that there is money available to fund prime projects in real estate. The borrower finds the money they need while the lender gets a substantial return for the money they lend. Additionally, the investment is low risk because Blackhawk’s P2P commercial notes are backed by real estate.

Many leading P2P lending platforms only offer loans that are unsecured, Blackhawk has taken a different route. With secured peer-to-peer commercial notes for transactions involving property, loans that the bank would otherwise reject are pre-qualified and at rates that any hard money lender will find extremely competitive. The lender on the other hand gets a higher rate of return than they would otherwise gain had they invested in CDs or money markets. The loans are low cost and the terms are rather flexible to the delight of the borrowers.

Blackhawk is pioneering a revolution in the finance industry. By cutting out the middleman and making lending a democratic process, they make the exchange process fast, easy, and friendly to borrowers. The borrower and lender interact directly online as the various loan requests are matched to investor profiles whose lending parameters they meet. With online documentation, due diligence, and educational resources available at the click of your mouse, the process is quick and straightforward for both the borrower and the lender. Peer-to-peer lending is a win – win situation for both sides of every loan transaction.

Peer-to-Peer Lending – Secured and Unsecured Notes

P2P or peer lending is a system where money is lent to individuals, also known as peers, who have been turned down or otherwise do not want to use traditional banks and their rigid regulations to receive the funding they need. The lending happens online, supported by various lending platforms, and makes use of an assortment of tools for credit checking and asset evaluations before lending. P2P commercial lending can be backed by security, such as real estate, or it can be unsecured with no collateral. There are several advantages of procuring secured loans as follows:

  • A lender makes more money this way through the interest rates made than they would by storing their money in a conventional savings account.
  • The volatility of interest rates with P2P lending is much lower than other forms of investments.
  • P2P is safe. It’s similar to investing in a commercial property where your assets are secured by leases. This way, you’ll be able to acquire a regular stream of income at an even higher rate than what you would earn in a stock dividend.
  • Investors are matched to loan requests and borrowers will obtain a loan after due diligence is completed.
  • P2P is web-based, allowing you to fund your projects anywhere, anytime, and at your convenience.

P2P lending is ideal for people who also need money and have no assets to secure or aren’t willing to offer collateral. They work just like a personal loan and can be used for various needs. Even though your credit history will be checked and your income as well, the loan amount is usually up to $35,000 for consumer loans. In addition, they are quick to obtain because they are provided from an online platform. Seeing as they are higher risk than secured loans, they tend to have a higher interest rate.

P2P lending has a track record of consistent returns. A substantial number of individuals involved in the industry have recommended it as a profitable investment option, as it boasts yields significantly higher than a money market or time deposit. You are also guaranteed monthly income unlike the stock market where returns are often unpredictable. P2P lending can be safe, secured by collateral like real estate, transparent, and provide you with higher yields.

Leading Crowdfunding sites for fundraisers and alternative financing

People are using the Internet more and more to help promote themselves and to spread awareness of certain needs. A new way that a wide variety of people are getting the financial help they need is through crowdfunding. Crowd funding consists of a group of people who donate money to help finance a larger project. Many charities, political campaigns, and band start-ups create profiles on crowdfunding websites to connect with their investors. The newest profiles that are popping up are people asking for donations to avoid foreclosures! There is a platform out there for anyone in need.

Many people donate to these crowd funding projects, which is a great way to help a small business break into a tough market. If you are looking for a new way to promote your fundraiser, check out these websites:

Kickstarter: This crowd funding website is perfect for creative or artistic endeavors. Kickstarter is considered to be the world’s largest funding platform for creative projects, making it the perfect platform for new workout groups to buy a studio, artists to find funding for supplies, or new filmmakers to complete their films.

Indiegogo: This site is more of a general website, providing crowd funding resources for a large variety of enterprises. There are platforms for people starting dog therapy groups, rail workers going on strike, and even a new line of wristwatches that are voice activated.

Crowdfunder: This website specializes in crowdfunding for small businesses that are going to go big! This website advertises that it crowd funds locally but connects to people globally. If you have a small business, this is the platform for you.

The group or business in need creates an online profile where people can find out about the project and donate money to help finance it. Crowd funding is helping small businesses stay afloat in this unsteady economy by advertising at a very low cost. These small business owners are able to show people their businesses and their products at little to no cost to themselves. But, remember, these websites will take a percentage of the donations, usually between four and ten percent.

The most important thing for funding your cause successfully is to have a good pitch. Make your product sound brand new, engaging, and exclusive! Make sure you are proactive in communicating with your contributors, and promote your project on all of the social media outlets available.

Many of the small business owners offer incentives for donations. For example, a band asking for money to create and produce an album, might offer the people who donated a free copy of the album when it is released. So, philanthropists and investors alike can appreciate this new platform!

Written by:
By: Kimberly Beers
Blackhawk Investment Corp Intern Writer


Peer to Peer at a Glance with Blackhawk Investment Corp.

Peer to Peer lending, also known as person to person lending, is a fast growing business model that provides opportunities to borrow and invest through Peer investors. The Peer to Peer lending method has eliminated the traditional financial intermediaries through online platforms and private investors. While most P2P lending companies like Lending Club and Prosper are unsecured loans with a cap of $35,000. Blackhawk Investments is adventuring into the world of secured loans involving commercial and investment property owners.

A Real Estate Secured Loan is when you borrow money, and use a “Trust Deed” from an existing property as collateral. The “Trust Deed,” is legal proof that ensures investors will be compensated for their investment.

Borrowers looking for real estate loans through Blackhawk Investments, are paired up with interested investors. It is a much faster process than the average bank loan. Investors not only profit from the return, but can actually decide which loans they would like to invest in.

Secured Loans are safer for the lenders and the borrowers alike. If the debt can not be paid, the promised property can be sold through the foreclosure procedure and both parties walk away without further legal action.

Blackhawk Investments is an up and coming P2P lending platform without having to go through the traditional bank lending policies. As bank loans are getting harder to qualify for, even for those with fair credit, Blackhawk Investments is providing an outlet for those who are qualified both through a conventional institution or by Peer investors.

By: Kimberly Beers
Intern Writer with Blackhawk Investments

Peer-to-Peer Lending: No Longer Just a Curiosity

Peer-to-Peer Lending: No Longer Just a Curiosity
Bloomberg Business Week –  January 20, 2013

Peer-to-peer lending most immediately brings to mind the largely feel-good act of extending small-time money to small businesses and individuals with quirky projects—a curiosity at best and no threat to the lending hegemony of big banks. What’s less appreciated is how successful peer-to-peer lending platforms such as Prosper and Lending Club have been in connecting wholesale numbers of individual lenders and borrowers. Yes, they still allow you to go out there and pick a proposition to invest in. But these successful, venture capital-backed startups also offer portfolios of loans that have quietly registered four to six years of solid returns with low defaults.

The more that record holds, the more these diversified offerings represent an asset class of sorts within fixed income.

The upshot: Those earning little-to-nothing on their cash can more easily be connected to people who are willing to give them an above-market rate of return for capital, with no intermediary bank needed. “It’s absolutely the perfect arbitrage between countless frustrated low-yield investors and countless desperate small business owners hungry for financial survival and growth,” says Robert Lamb, a professor of finance at New York University.

The Real Estate Deal That Could Change the Future of Everything

The Real Estate Deal That Could Change the Future of Everything
By Emily Badger
The Atlantic Cities

Dan and Ben Miller began tugging two years ago at a simple question they believe is central to the failings of the American real estate industry.

The brothers – sons of a well-known Washington, D.C. developer – had begun acquiring properties themselves in the city’s emerging neighborhoods where traditional capital seldom goes. Real estate developments are typically financed by wealthy investors who live in the suburbs, or by Wall Street funds even farther away. In a neighborhood like Washington’s H Street Northeast corridor, this means that local projects often can’t find backing, or that far-flung investors put up safe, formulaic products in their place: say, “the glass shiny office/condo building that’s horrible,” Dan Miller says, grimacing.

This model – with its broken connection between a neighborhood’s desires and its investors’ bottom line – seemed to the brothers illogical. Why couldn’t people in the community invest in real estate right next door? Why couldn’t the Millers raise money to purchase a property on H Street from the very people who live there? The neighborhood is a quirky mix of barbershops and hip beer gardens. It’s not the kind of place that investors from wealthy Chevy Chase, Maryland, quite get. Read more…

Interesting Articles

 SoFi Tackles the Huge Student Loan Problem

In March of this year it was reported that total outstanding student loan debt in this country had topped $1 trillion for the first time. More students are taking on more debt than ever before. Even for those who qualify for federally subsidized programs, the debt burden can be immense. Enter SoFi (short for Social Finance). They are bringing a hybrid p2p lending model to student loans and are already making a big impact.

Recently I chatted with Dan Macklin, co-founder and VP of Business Development at SoFi, about his company and how they are changing the student loan business.

 Lending Club and Prosper Issue $99.8 Million in New Loans

Another great month at Lending Club combined with a significantly down month at Prosper meant that we still haven’t quite broken $100 million in loans in one month yet. I thought it was a safe prediction that milestone would be broken in November. But Prosper was down over 20% from last month which certainly caught me by surprise. Let’s dig a bit deeper into the numbers at both companies.


A Financial Plan for the Truly Fed Up
NY Times – Your Money By Ron Lieber

PEER-TO-PEER LENDING In early 2011, I expressed wariness about relatively new services like Lending Club and Prosper that allow individuals to invest money in loans that other people take out. Since then, however, the services have been humming along quite nicely, delivering returns of roughly 7 percent to investors who spread their money in small bits among hundreds of loans to the most creditworthy borrowers.

America’s new subprime boom: This time it’s cars

The auto industry has been one of the few truly bright spots in the US economy since the financial crisis.
After a terrifying crater during the worst of the panic—albeit with a brief spike induced by the “cash-for-clunkers” program — car sales have crawled back to something like normal. And updates on auto sales from the big car makers Oct. 2 showed Ford Motor and Chrysler Group expect to sell cars at the fastest pace since the financial crisis struck. Good news, right?

Looking For 10% Yields? Go Online For Peer To Peer Lending

After six years of experience and some bumps, including a financial crisis and ensuing recession, peer-to-peer (P2P) lending has finally earned its place on an income investor’s menu.

101: Peer-To-Peer Business Funding
The HBS Blog

While the worst of the global financial crisis is now three years behind us, one area of the economy that has yet to fully recover is the small-business loan market. Because large banks are still dealing with the economic fallout, and trying to reduce the size of their loan portfolios, most of them are only interested in lending money to their biggest, most creditworthy clients. So where is an entrepreneur to go when in need of a loan for his business? One answer may be to look to the world of peer-to-peer (P2P) lending.

LendingClub Brings Another Morgan Stanley Bigwig on Board
Bloomberg Tech Deals

LendingClub, the peer-to-peer Internet lender, has landed another Morgan Stanley heavyweight as part of its push to go from niche to mainstream.
LendingClub Brings Another Morgan Stanley Bigwig on Board

California Real Estate Recovery on The Horizon

A look at the California real estate market has investors asking whether now is the time to buy with the economy slowly on the mend. In an breakdown from California Real Estate Post, the market looks prime to return.

Foreclosures At a 4-Year Low

Foreclosure filings fell in March to their lowest level in four years, according to real estate data provider Realty Trac. For the first time since July 2007, the nationwide number of filings fell under 200,000 — a 4% drop from the month before and a 17% decrease from March of 2011. However, the news isn’t as good as it may sound.

Are Mortgage Credit Standards Loosening? (Hint: No)
Wall Street Journal

It’s no surprise to anyone who has applied for a loan recently that banks are being far more careful. But a new report shows just how tight conditions have become — and how even borrowers with favorable credit profiles are being denied.

An Innovative Boutique Approach to Raising Capital

Strategic Assets Partners LLP Offers Bespoke Ways to Raise Capital for Alternative Investments

Big Investors Are Piling Into the ‘Peer-to-Peer’ Lending Market…
Wall Street Journal

After years of hype and occasional blowups, the “peer-to-peer” lending market, which connects borrowers with mom-and-pop lenders, is starting to attract professional investors.

Former Morgan Stanley Chairman & CEO join Peer-to-Peer Lender Board
Financial Times

John Mack, the former chairman and chief executive of Morgan Stanley, is to join the board of a peer-to-peer lending company that aims to bypass banks and extend credit directly to borrowers through the internet.

Why people hate the banks

You can’t read the series without wondering whether banks have learned anything from the foreclosure crisis, which resulted in a $25 billion settlement with the federal government and the states. That crisis was the direct result of shoddy, often illegal practices on the part of the banks, which caused untold misery for millions of Americans. Part of the goal of the settlement was simply to force the banks to treat homeowners with some decency. You wouldn’t think that that would be too much to ask. But it was never going to happen without the threat of litigation.