Listed here are the most asked questions about who we are and how we operate. If you have a question that is not found here, please do not hesitate to Contact us and we will be happy to address it.
Cambay Business Advisors is a boutique business consulting firm not a lender and broker. Cambay Business Advisors sources funds for non-conforming commercial, residential investment and business loans in markets nationwide.
Cambay Business Advisors also functions as a correspondent or preferred lead source for a small group of banks, institutional lenders, investment funds and private finance companies. Cambay Business Advisors is not licensed as a mortgage lender or mortgage broker.
Cambay Business advisors acts strictly as a loan packager for, or a referral source to, those entities licensed to lend. We are the business advisory firm that ensures you are in the best position to be in a concise financial standing so you can run a successful business.
If you are a lender, mortgage/loan broker, ISO, finance professional or entrepreneur looking to leverage our real estate and business knowledge to increase your revenue, then Contact us to register and be reviewed for approval as a Referral Partner (there is no cost to register and it only takes a few minutes). Once approved you will be eligible to receive competitive referral fees for loan closings you referred to us.
If you are a borrower looking for financing in this market, you know the process can be difficult and confusing. Cambay is a successful business advisory firm, founded in 2016, with a focus on customer service, transparency and ethical practices.
We have always concentrated on providing non-conforming borrowers the most competitive and affordable loan options, and we have built a reputation as a market leader doing just that (ask us for references!)
If you are a broker or lender, then you know loan fallout is a costly issue that can be resolved and monetized by the right strategic partner. The business advisory services Cambay offers are genuine, and they perform. We utilize the latest technology to offer our partners the opportunity to convert their leads and fallout into significant revenue.
We operate as your back-office so that you can focus your effort on what’s most important to you. We also offer approved partners fee incentives, and additional benefits such as increased compensation and co-branded opportunities. We can discuss all that separately based on your situation.
Once Cambay Business Advisors has analyzed a capital submission and determined its eligibility for financing, a Funding Narrative (Narrative) and/or an Agreement of Consulting Services (ACS) is issued.Drafting of the ACS has no upfront fees.
Upon acceptance and signing of an ACS, the borrower will be required to pay a non-refundable underwriting or consulting fee ranging from $0 to $2,500 depending on the program. Refunds will not be issued on transactions that do not close because of borrower/broker misrepresentation, cancellation, delays, inability to meet documentation or information requests, omission or fraud, or due to adverse results of third-party reports.
A previously submitted consulting fee will be returned if a capital source we obtained for you does not close due to Cambay Business Advisors error or failure to perform as outlined in the ACS.
If things don’t work out we will work with the client to refund the fees on a pro-rata basis,
For our consulting program, Cambay is a “pay- for- performance “institution, thus we do not ordinarily charge the borrower any excessive points or fees. We only expect to be paid if funding is secured and the deal is closed. We offer flexibility in our fees depending on the client. Pay us at closing out of the proceeds or pay us in a side consulting agreement.
For our packaging services, SBA or third-party loan programs, Cambay charges market fees but it is one flat rate. We will always provide a fee quote upfront upon request so there are no surprises for the borrower. We get paid only if you get paid. No deal, no fees
It takes approximately 2 to 4 weeks to close a non-conforming commercial or non-owner-occupied residential deal transaction. SBA transactions can take anywhere from 30 to 90+ days. Business loans and credit lines can fund in as little as 1 to 7 days.
Cambay Business Advisors has no subsidiaries, parent companies or agents, and only those individuals who have a cambayfinancial.com email extension and 1-877-786-5153 or 484-367-5254 phone number, are authorized to transact business for Cambay Business Advisors.
Any third-party found to be making a claim of affiliation with Cambay Business Advisors, or representation on behalf of Cambay Business Advisors, will fully be viewed as having committed fraud and be prosecuted of the law.
If you feel you have encountered an individual or entity committing such fraud, falsely issuing documentation on behalf of Cambay Business Advisors, or attempting to collect funds on behalf of Cambay Business Advisors, please contact us immediately at funding @cambayfinancial.com