Advertising and Marketing, Business, e-Commerce, Free News Articles

Call2Customers Announces the Launch of Revamped and Responsive Website

NEW DELHI, India -- One of India's most promising outsource call centers, Call2Customers (C2C), launches new website to expand its customer base and engagement.

"Changes are the law of nature and results in improvement and betterment of any entity. So we are happy to welcome you to the new look of the website of Call2Customers showing Call2Customers' prospective and perspective to work as a call center partner with global companies," says Raj Kanojia of C2C.

Call2Customers has changed the look of its website to make it:

* More user-friendly: Our new website is made in such a way that it is more comfortable for a user to know about the services provided.

* Simple and easy to understand: The language used makes it more simple and easy to understand. The contents are more precise and well defined.

* Navigable: New website helps you to easily navigate the services you require for your business. You can easily find the service for your business requirement.

* More Explicit: We have served different industries across the world based on in-depth knowledge of different call center services. We have secured a vast clientele in a short span of time and our clients have trust and faith on us. The services provided by Call2Customers are written with details of their working, experience as already define with reference in client of us section and marketing style in precise manner.

* Versatile: On therequest of our clients we have added new services known for online business reputation services. We provide digital marketing services for your website which includes SEO, SMO, PPC, content marketing and e-mail marketing.

* Highly Affordable: Call2Customers offers high-quality call center services at competitive rates, which is dependent on skill levels, type of work, location and duration of the application with factors like complexity of projects and call volumes. We provide quality services at very reasonable price of $6 - $12 whereas the call centers in developed countries provide services at $20 - $55. We provide customized services based on flexible pricing structure including hourly payment system, commission based payment system or both together to fulfill objective of your business.

* Highly Flexible: It is mobile friendly and easy to use on desktop, laptop or mobile. You can navigate through any platform.

* More Transparent: References and testimonials are added for recommendation with their contacts.You can contact our clients to know our working style and achievements before hiring us.

* Technologically Advanced: We upgraded our cloud computing system for inbound call centers as well as outbound call centers services. You can access instant and real statistics, monitor the live call, feedback of the agents directly with pre-existing features of outbound predictive and preview dialer.

* Backup Solutions: We also upgraded the following resources to keep the backup strong to run your business hurdle less:

Network Backup - We follow BGP configuration to keep network backup where we have backup of internet to support BGP.

Power Backup - We run facility on dual power backup where we have online UPS which auto switch in case of power failure and if power goes for longer duration then auto switch to diesel generator from online UPS.

Facility Backup - We have another running facility within 2 kilometers radius which acts as each other facility backup.

Call centers agents Backup - We keep the backup agents to ensure minimum login count available if agents go for sudden leave.

* Security and safety: Our call center is fully secured with the CCTV cameras and guards.

The change in the website look does not change our dedication, prospective or goal for our clients.

We provide services for 24/7/365 operation. Our team works with same dedication and attitude to provide you most efficient and effective results and to fulfill your business objective. Our aim is your growth.

More information:

About Call2Customers Call Center Pvt. Ltd.:
Based in New Delhi, India, Call2Customers (C2C) has been helping small-to-medium businesses and entertainment companies establish their brand and grow revenue since 2015. Call2Customers has developed numerous proprietary solutions for call center and bpo services and digital marketing.

Editorial Note: Company does business as both singular and plural form of "Call2Customer" and "Call2Customers."

Call2Customers Call Center Pvt. Ltd., USA: +1-646-878-9001, Universal number: +91 989-105-7170, Email:

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Business, Free News Articles, Government, Product Launches

XG Communities announces advancement for the City of Beaumont’s 5G wireless strategy

IRVINE, Calif. -- XG Communities LLC and the City of Beaumont, Calif. announced that approximately 2,000 street light poles are available to wireless carriers and technology companies for small cell deployment. The street light poles are available on XG Communities' Site SeleX Platform (

Located in Riverside County, the City of Beaumont has served as an attractive location for residents from Los Angeles and neighboring counties. The population has grown more than twenty percent since 2000, requiring a significant investment from the City into its infrastructure. The move to offer potential small cell sites on city assets is a part of its efforts to update its infrastructure and connectivity, as well as raising new revenue for the city.

The City of Beaumont signed an exclusive agreement with XG Communities in October 2017 to help the city organize and market the siting rights on city assets. Over the past 3 months, XG Communities has been developing a master plan and preparing the City's inventory of assets on the Site Selex platform for marketing to wireless providers.

Monnie McGaffigan, President of XG Communities, said "It's exciting to see the leadership that our cities are providing nationally in getting us ready for 5G. Beaumont, in particular, has been a true partner in finding creative solutions to offer locations on its assets while still meeting city priorities."

She added that they would be launching neighboring cities, including San Bernardino, in the coming month.

About The City of Beaumont:

Founded at the turn of the 20th century, the Beaumont boosts a rich history and charm for its residents and the many travelers on their way to the Mohave Desert and nearby moutains. The City of Beaumont has focused on developed a number of master planned communities and has ramped up its commitment to attracting investment to the region over the past two decades.

About XG Communities:

XG Communities (formerly dba 5 Bars Communities) is headquartered in Irvine, California. XG Communities organizes and markets the siting rights for small cell deployment on city property to wireless communications providers through its Site SeleX Platform. XG Communities currently has agreements with 27 cities and all major carriers.

For more information, please visit

For media queries, contact:
XG Communities LLC (formerly dba 5 Bars Communities)
(949) 514-4617

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Business, Electronics, Free News Articles, Product Launches

XG Communities Threatens the Current Outdated Small Cell Deployment Model

IRVINE, Calif. -- XG Communities LLC, a premier provider of accelerated, organized and predictable wireless deployment for cities and municipalities across the United States, announced initial success in solving the small cell inventory and speed-to-deployment problems facing connectivity providers. Contrary to macro tower ownership models, XG Communities serves as the facilitator in the process for both cities and carriers, reducing variability and increasing the speed.

XG Communities has developed the first of its kind digital portal to enable carriers to reserve city-owned assets for small cell deployment, in only a few steps.

XG Communities' approach removes the lengthy back and forth process for legal negotiations and provides predictability for cities. So far, XG Communities has launched 6 cities on the Site SeleX Platform, including four cities in California (Sacramento, Fresno, Clovis and San Luis Obispo) and St. Louis, Missouri.

A CEO of a major tower company recently highlighted the challenge of deploying small cells - citing a backlog of 25,000 small cell orders with an average deployment time of 18 to 24 months. Given this timeline, connectivity providers will not be able to meet density required for the deployment of 5G and other emerging technologies. XG Communities' goal is to decrease the deployment timeline 6 months process. XG Communities is unique in its approach with cities, which involves close collaboration with cities to strengthen the city's expertise and revise processes to align with the new technical requirements of small cell deployment. The common goal between carriers and cities is to meet the tremendous small cell demand over the next five years and increase our nation's connectivity.

John Clarey, the CEO and Founder of XG Communities, said "The only way to break this logjam is the use of a facilitator steeped in expertise that sits between cities and carriers to make the process predictable and repeatable."

He added that the market is uniquely ripe for disruption and there is a clear path forward to ensure that XG Communities cities are ready for 5G and other emerging technologies, such as CBRS or 3.5GHz.

About XG Communities:

XG Communities (formerly dba 5 Bars Communities) is headquartered in Irvine, California. XG Communities organizes and markets the siting rights for small cell deployment on city property to wireless communications providers through its Site SeleX Platform. XG Communities currently has agreements with 27 cities and all major carriers.

For more information, please visit

For media or other queries, contact:
XG Communities LLC (formerly dba 5 Bars Communities)
(949) 514-4617

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Business, Entertainment, Free News Articles, General Editorial, Product Launches


ATLANTA, Ga. -- Urbanstylz announced today that "Resolution Song" will be released nationwide. The film's underlying faith, family, and racial components will resonate with all communities. Directed by award-winning Film Director, Antonio James ("Trey," 2013), "Resolution Song" was acquired by Sony Pictures affiliate, Smith Global Media, in 2016 and will be released via Sony Pictures Home Entertainment division February 6, 2018.

Beginning January 8, 2018, "Resolution Song" became available for preorder on "Resolution Song" will also be available February 6, 2018 in all brick and mortar stores, including: Wal-Mart, Target, and Best Buy.

To request an interview, or propose a screening, please contact Director Antonio James (see more information below).

The new trailer can be seen here:

"Resolution Song," a dramatic faith-based film, follows Margaret (played by Kevin Hart's ex-wife Torrei Hart), a submissive stay-at-home mom, as her family copes with the tragic death of her eldest son. Margaret struggles to keep her cheating husband (Lester Speight) and emotionally strained family, from losing faith.

Commenting on the release, "I obtained a script about faith and family, but created so much more," said Antonio James, award-winning "Resolution Song" Director. "Faith is always challenged, yet no one talks about how the family can be THE reason you lose faith." He concluded, "'Resolution Song' shows that dynamic."

"Resolution Song" completed production in 2016 as race, social division and sexual transgressions echoed throughout America. In 2017, America became the forefront of race, social division, and sexual transgressions, all of which is part of the film's theme and appeal.

With America's bipolar social climate into consideration, Resolution Song exposes racial tension, challenges faith, and directly questions the dynamics of the family structure by exploring the aftermath of a tragic situation. Within "Resolution Song," no one is exempt of this tragedy, and similar to today, it is everyone responsibility to reclaim his or her faith and forgive thy neighbor. The film also stars John J. York (General Hospital), Kennedy Slocum (Nickelodeon's Witz Academy), and Ella Joyce (Set It Off).


Director Antonio James serves as president of Urbanstylz - an African-American multimedia company that distributes, produces, and acquires independent films and music from around the world with autonomous relationships. Urbanstylz is appended to several media companies such as Smith Global Media and Rock Em Hard the label. Antonio James has released two feature films, including "Resolution Song," which has won dozens of film festival awards. For more information and tour dates, go to:


Smith Global Media (SGMedia) is an international distribution company that package, acquire, market, and distributes micro-targeted independent motion pictures, television programs and series, and other diverse forms entertainment content. For additional information, go to


Sony Pictures Home Entertainment (SPHE) is a Sony Pictures Entertainment (SPE) company. Sony Pictures Entertainment (SPE) is a subsidiary of Sony Entertainment Inc., a subsidiary of Tokyo-based Sony Corporation. SPE's global operations encompass motion picture production, acquisition and distribution; television production, acquisition and distribution; television networks; digital content creation and distribution; operation of studio facilities; and development of new entertainment products, services and technologies. For additional information, go to

# # #

For press inquiries, or more information:
Antonio James
Director, Resolution Song
470-230-8311 (cell)

For Media, Photos, and Poster Downloads please go to:

*Image Caption: Official "Resolution Song" Poster.

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Advertising and Marketing, Business, Free News Articles

Mortgage Capital Trading Bolsters its Marketing Team with the Addition of Ian Miller as CMO

SAN DIEGO, Calif. -- Mortgage Capital Trading, Inc. (MCT), a leading mortgage hedge advisory and secondary marketing software firm, announced that Ian Miller has joined the company as Chief Marketing Officer (CMO). In this newly created position, he is responsible for ensuring that MCT's marketing strategy effectively supports the company's business plan and helps drive growth.

MCT has traditionally been known in the mortgage industry as a pipeline hedge firm but over the years has developed into a fully-integrated provider of capital markets services and software. Mr. Miller is charged with developing and executing MCT's marketing plan and strategic initiatives. Since joing MCT, he has made significant strides in honing the company's messaging, positioning, branding and creating positive industry awareness for MCT's value proposition and extensive suite of secondary marketing focused products and services.

"We are elated to have been able to recruit Ian to join the MCT team and head the marketing strategy," said Curtis Richins, president of MCT. "We've grown our business considerably over the past several years and had a need to ensure that our brand accurately reflects the robust suite of products, services, and technology we now offer within company divisions. Ian has and will continue to play a key role in making sure MCT maintains a strong reputation in the mortgage industry."

Before MCT, Mr. Miller served as the Director of Client Services at Riverine, Inc., a full-service digital marketing firm catering to over 50 clients in a wide range of industries and capacities. At Riverine, he worked closely with MCT as a vendor partner where he was instrumental in streamlining the integration of its sales and marketing processes and enhancing the brand.

Prior to Riverine, Mr. Miller was a co-founder and partner at Tower Agency, a digital marketing firm offering end-to-end marketing capabilities. Mr. Miller eventually merged the company with Riverine, growing the client base exponentially. Before that, he was a freelance marketing agent providing professional services to an array of clients.

"Serving as MCT's marketing provider in recent years, I have been impressed by their culture, dedication to customer service, and continuous innovation," said Mr. Miller. "I'm grateful for the opportunity to help these qualities reach a wider audience, and support MCT's growth as the leading provider of capital markets services and software."

Mr. Miller is a through and through marketing professional who has a proven track record of successful execution with growing brands, capturing market share and increasing revenues. He is well-versed in all aspects of marketing communications ranging from strategic planning, branding, advertising, content marketing, and social media to trade shows, event production, sales support and client communication. He will leverage these competencies, along with support from a team of experienced professionals, to execute on a robust marketing strategy for MCT in 2018 and beyond.

About MCT:
Founded in 2001, Mortgage Capital Trading, Inc. (MCT) has grown from a boutique mortgage pipeline hedging firm into the industry's leading provider of fully-integrated capital markets services and technology. MCT offers an array of best-in-class services and software covering mortgage pipeline hedging, best execution loan sales, outsourced lock desk solutions, MSR portfolio valuations, business intelligence analytics, mark to market services, and an award-winning comprehensive capital markets software platform called MCTlive! MCT supports independent mortgage bankers, depositories, credit unions, warehouse lenders, and correspondent investors of all sizes. Headquartered in San Diego, California, MCT also has offices in Philadelphia, Santa Rosa, Los Angeles and Dallas. MCT is well known for its team of capital markets experts and senior traders who continue to provide the boutique-style hands-on engagement clients love.

For more information, visit or call (619) 543-5111.

*PHOTO for Media:


Joe Bowerbank
Profundity Communications, Inc.

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Advertising and Marketing, Business, Free News Articles

Branding Strategist and Keynote Speaker Loren Weisman announces early 2018 events and appearances

VERO BEACH, Fla. -- Branding Strategist and Keynote Speaker Loren Weisman announces that he will be appearing in early 2018 on The Roberts and Lowe CEO Entrepreneur Cruise, Bob Harrison's Hawaii Increase Event, Natasha Senkovich's Intuition to Raise your income Global Summit and The Business Excellence Summit hosted by Kay Sanders. Weisman will also be appearing at a series of private engagements ranging from Atlanta to Miami in the first quarter of 2018.

The Roberts and Lowe CEO Entrepreneur Cruise 2018 sails on January 28, 2018 to February 1, 2018. Five Days, four nights and 2 ports. Nassau and Freeport Bahamas. This event features Rollan Roberts, Peter Lowe, Karl Gibbons, Carl Gould, Tom Feltenstein, Brett Bruen, Ken Waningu and many others. To book your cabin visit:

Bob Harrison's Hawaii Increase Event is happening March 6 to March 9, 2018 at the Ritz-Carlton Kapalua, Maui. Loren will be joining event speakers including Bob Harrison, John Bevere, Tim Storey, Mike Rovner and many others. More information at:

Natasha Senkovich's "Intuition to Raise your Income Global Summit" is an online 21-day global summit featuring top spiritual teachers and intuitive entrepreneurs. More at:

The Business Excellence Summit 2018 hosted by Kay Sanders launches March 5, 2018. Loren is presenting alongside Katherine Dean, Cindy Holbrook, Nicole Holland, Marc Mawhinney and a number of others. More about this event at:

"In my talks, I share the branding approach focused on the strategy, the content and the connection over just the look and the feel. It is the content that makes the connection and continues to keep people connected," Loren Weisman says.

"There is much more to branding that a logo, color and type set. Effective branding comes down to creating a sense of comfort, recognition, and trust in your engagement, your message, and your products. It is more about the content and message than the logo and the colors."

About Loren Weisman:
Branding Strategist and Keynote Speaker Loren Weisman aligns, defines and designs individualized branding, marketing and content planning for start-up and established businesses. Loren is also the host of iHeartRadio's "Wait What Really OK" Branding and Business Podcast.

Weisman covers marketing and branding across multiple industries, disciplines and can work with both national, local and hyper-local brands and start-ups. He has been widely interviewed, appeared at numerous trade shows and conferences, hosted a wide variety of marketing and branding podcasts, as well as authored numerous books including "Music Business for Dummies" (Wiley & Sons) and "The Artist's Guide to Success in the Music Business" (Greenleaf Book Group).

As a keynote speaker Loren Weisman delivers down to earth talks, fun presentations and humorous lectures with an audience to create engagement and enjoyment while sharing experience, knowledge and direction for those in the mailroom to the boardroom and everywhere in between -- always keeping a rooted focus on the fundamental ideas of organizing, developing and sequencing for conversions.

To find out more about Loren's talk titles and services or to book Loren for your next event, visit

Twitter: @lorenweisman @bizbattleground

VIDEO (YouTube):

*PHOTO for Media:
*Photo Caption: Branding Strategist and Keynote Speaker Loren Weisman.

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Business, e-Commerce, Free News Articles, Software

Digital Mortgage Point-of-Sale Pioneer Cloudvirga Hires Sean McEvoy as Chief Customer Officer

IRVINE, Calif. -- Cloudvirga(TM), developer of intelligent mortgage point-of-sale (POS) platforms, has appointed Sean McEvoy as its chief customer officer. As a member of the senior leadership team, McEvoy will be responsible for the firm's customer leadership, implementation and support functions. He has an extensive background in building world-class customer success organizations at FileNET, IBM, Quest and Dell. He will report to Cloudvirga CEO Michael Schreck.

McEvoy joins on the heels of Cloudvirga's recent addition of five top-30 lender customers to its digital mortgage platform. He brings a global skill set and a track record of success from roles that include vice president of global services and customer support for Dell Technologies (NYSE: DVMT). While there, McEvoy led a team of more than 900 global customer success, support and professional service engineers and contributed to hundreds of millions of dollars in software services and maintenance/renewals business growth.

McEvoy's other career accomplishments include establishing a $200 million renewal sales channel as a business unit executive for IBM (NYSE: IBM); overseeing six acquisitions and launching offshore delivery centers as vice president of support services for Quest Software (acquired by Dell in 2012); and serving as global director of technical consultancy services while vice president of technical operations for FileNET (acquired by IBM in 2006). He holds a master's degree in international business administration and a bachelor's degree in software engineering.

"Delighting our leading lending customers, which include five of the top eight non-bank originators, is core to Cloudvirga's mission in 2018," said Schreck. "We are bulking up our customer success organization to support a growing client base that produced over $100 billion in mortgages in 2017 and employs thousands of loan officers. Sean is a proven leader who can scale enterprise-class organizations to help ensure their success."

"As a software-as-a-service provider, Cloudvirga's long-term success hinges on our ability to help customers meet their desired outcomes," said McEvoy. "I look forward to helping Cloudvirga deliver on this mission."

About Cloudvirga(TM):

Cloudvirga's intelligent mortgage point-of-sale (POS) platforms uniquely combine a world-class borrower experience with a truly digital lender platform that radically cuts overall loan costs, increases transparency and reduces the time to close a loan. Founded by top fintech veterans with a track record of building successful mortgage technologies, Cloudvirga's initial customer roster includes nine of the top 40 non-bank mortgage originators. To date, Cloudvirga has raised over $25 million from some of the country's top lenders and venture capital firms.

For more information, visit or follow Cloudvirga on LinkedIn.

*PHOTO for Media:
*Photo Caption: Cloudvirga Appoints Sean McEvoy as Its Chief Customer Officer.

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Business, Free News Articles, Real Estate

Treasure Coast Real Estate and Home Expo is a free event at the Port St Lucie Civic Center

PORT ST. LUCIE, Fla. -- The Treasure Coast Opportunity Network today announced that the 2018 Treasure Coast Real Estate and Home Expo will be open Saturday Jan. 20, 2018 from 10 a.m. to 4 p.m. Free to attend for all businesses, and all ages, at The Port St. Lucie Civic Center in Port St. Lucie, Florida.

Presented by My Living Magazine and hosted by The Von Ohlen Team, The Treasure Coast Real Estate and Home Expo is the definitive collection and collaboration of a trade expo, real estate expo, home expo and networking event all in one.

"This event serves as a benchmark for residents, snowbirds, and professionals that are looking into buying, selling, planning, negotiating and connecting people to businesses - and businesses to people - across the Treasure Coast of Florida," says Dominic DiGorgio, Executive Producer and Co-Founder.

The free, one-day expo offers invaluable insights and exclusive networking opportunities with an array of informative, presentations, workshops and seminars from local and national industry experts.

The Von Ohlen Team's Treasure Coast Real Estate and Home Expo is being presented by My Living Magazines and sponsored by Dignity Memorial Aycock Funeral Homes, Colorado Pawn & Jewelry, Sound Insights, The Traveled Chef, Two Men and a Truck, St James Christian Academy, Dad the Mom, Stone Photography & Film, Loren Weisman, and IntelAgent.

If you live on the Treasure Coast, do business on the Treasure Coast, are looking to connect, network and engage with more clients, customers and colleagues on the Treasure Coast or just looking to see what the Treasure Coast has to offer, this is the event for you!


Where: Port St. Lucie Civic Center, 9221 SE Civic Center Plaza, Port St Lucie, FL, 34952.

Cost: Open to the Public and free to attend.

When: Saturday, January 20, 2018, from 10 a.m. to 4 p.m.

For more information on The Treasure Coast Real Estate and Home Expo 2018 or to become an exhibitor at the event: Email or visit today.

About The TCOppNetwork:
The Treasure Coast Opportunity Network (TCOppNetwork) sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information and to join for free, visit:

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Entertainment, Fine Art and Artists, Free News Articles, Regional Events

BaCA Presents ‘Portraits’ by Photographers Keliy Anderson-Staley and Stephen Gaskins

POMPANO BEACH, Fla. -- Bailey Contemporary Arts (BaCA) in Pompano Beach is proud to present "Portraits" - a dynamic show featuring the works of one of the country's most esteemed photographic artists, Keliy Anderson-Staley, whose work has been exhibited at the Smithsonian National Portrait Gallery and the Library of Congress. The exhibit will also include emerging Florida photographer, Stephen Gaskins.

The exhibit runs January 13-February 23, with the artists' reception on February 2, 2018. For more information, visit

"[Hypen] Americans" is a diverse collection of American faces made across the country. The title of the project refers to the hyphenated character of American identities (Irish-American, African-American, etc.) without labeling anyone's actual identity.

"We are thrilled to exhibit Keliy Anderson-Staley's '[hyphen] Americans,'" said Juliana Forero, Ph.D., BaCA's gallery curator. "What adds to the incredible nature of these photographs is Keliy's process, which adheres to techniques used in the 1800's."

This video explains the historic process:

These portraits are all wet-plate collodion tintypes, made with chemistry mixed according to nineteenth-century recipes, period brass lenses and wooden view cameras. This nineteenth-century process was the first process widely used to make photographic portraits. The project draws attention to the fact that all portraits exist within a history of images, and that our perception of ourselves and our ancestors has always been mediated by photographic technology.

Keliy Anderson-Staley has exhibited her work at the Smithsonian National Portrait Gallery, Morris Museum of Art, California Museum of Photography, Bronx Museum of Art, Akron Art Museum and Southeast Museum of Photography. Her work is in the collections of the Library of Congress, Cedar Rapids Museum of Art, Portland Museum of Art and Museum of Fine Arts-Houston.

She was a New York Foundation for the Arts Fellow and a recipient of grants from Puffin Foundation, Houston Arts Alliance and George A. and Eliza Gardner Howard Foundation. She received the Carol Crow Memorial Fellowship from the Houston Center for Photography and the Clarence John Laughlin Award from the New Orleans Photo Alliance. She is also an assistant professor of photography and digital media at the University of Houston.

Her images have appeared in publications including Tricycle, Hemispheres, Art and Auction, Conde Nast Traveler, Contact Sheet, Photo District News, Camerawork and New York Magazine. A book of her tintype portraits, "On a Wet Bough," was published by Waltz Books.

This exhibit also features emerging photographic artist, Stephen Gaskins, who will display a collection of stunning photographs featuring African American women.

Stephen Gaskins owns a portrait studio where he spends countless hours capturing and editing images of prominent members of the community. A graduate from the Art Institute of Fort Lauderdale in the Multi-Media Design program, he is a successful self-taught photographer who started exploring photography four years ago and who grew his skills with the daily practice on the photography workflow.

The exhibition is free and open to the public.

Bailey Contemporary Arts is located at 41 NE 1st St., Pompano Beach, FL 33060 | (954) 284-0141. Learn more at:

*Web Image Caption: "Dulce" by Keliy Anderson-Staley.

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Business, Free News Articles, Funding and Investment, Opinion and Commentary, Real Estate

Philadelphia Commercial Capital Advisory CEO Discusses the Current State of the Commercial and Multifamily Finance Market

PHILADELPHIA, Pa. -- Rittenhouse Capital Advisors (RCA) is a commercial real estate finance advisor with over 60 years of combined banking experience. Currently in its fourth year of operation, Rittenhouse Capital has increased its loan production volume by a minimum of 30 percent year over year by delivering creative commercial financing solutions for their real estate investor clients.

Rittenhouse Capital CEO George Johnson believes that market conditions may be about to change and that now is the best time to take advantage of historically low interest rates.

"We are late in the game here," Johnson says. "Interest rates are still very favorable to borrowers, but we don't know how much longer that will last. The Fed is unwinding their quantitative easing, which will most definitely create upward pressure on treasury rates given the shift in that supply-demand fundamental. GDP growth was a very healthy 3.3 percent in the 3rd quarter, the fastest rate in 3 years, so inflationary pressure will start to build there as well.

"The new Tax Reform package will likely bring some economic stimulus with further inflationary pressure, so there is a lot of factors in play, all pointing to higher interest rates in the near term. When that happens, lenders may take a more conservative approach to underwriting, making it more difficult to obtain the level of loan proceeds real estate investors are looking for."

Many commercial and multifamily property owners would like to capitalize on today's low interest rates, but they have existing loans that do not mature for a while, and they do not want to pay a significant pre-payment penalty to get out of these loans.

"A lot of commercial borrowers are not aware of some of the financing options that are available out there," Johnson continues. "For example, we have a great balance sheet product where a borrower can lock in their interest rate today for a period of up to 12 months while they burn-off any remaining prepayment penalty. This approach saves our clients a substantial amount of money as they avoid paying their prepayment penalty while also taking interest rate risk off the table."

E-commerce Driving a Shift in Demand toward Multi-Unit Industrial Properties:

Another factor that is currently impacting the commercial lending market is E-commerce. Companies like Amazon and Wayfair are driving demand for warehousing space. And with thousands of other companies getting in on the Ecommerce craze, multi-unit industrial properties are at a premium.

"Beginning shortly after the 'great recession,' multi-family properties (e.g., apartment buildings) were very popular with buyers and the lending community, but this segment has peaked or is approaching its peak in most major markets. Supply has caught up to demand and lenders are becoming a bit more cautious.

"It is a far different story with multi-unit industrial properties. More and more online retailers need warehouse space to store their products, and demand is far outpacing supply in this sector. Lenders love these properties because they are usually at full occupancy, rents are continually going up, and cashflow is strong. For this reason, there are plenty of very competitive financing options for this asset type."

Healthcare Real Estate in Demand with Rapidly Aging Population:

In 1950, the population aged 65 and older represented 8.1 percent (or 13 million) out of the total U.S. population of 158 million. That percentage is projected to reach 13 percent (or 46 million) out of 355 million by 2030. This shift will place great demands on the nation's health-care system and spur considerable growth in the real estate segment of the healthcare industry.

This trend in the healthcare industry is already beginning to pick up steam now with the larger hospital systems building out or leasing real estate facilities focused on delivering specialized needs such as surgery centers, urgent care, and orthopedics, just to name a few.

Similar to the industrial-distribution space, the supply-demand fundamentals have swung heavily on the demand side in healthcare and the numbers would seem to indicate a good amount of runway in the current direction. As such, expect the lending community to compete aggressively to provide funding on healthcare projects as described above and also including senior living, assisted living, specialty care (nursing homes) and memory care, going forward.

Recent Rittenhouse Capital Transactions:

Rittenhouse has helped commercial property owners with purchases and refinances across a wide range of sectors. Here is a sampling of their recent transactions:
* Apartment Building Refinance: RCA arranged a $9,100,000 refinance for a 150-unit apartment building in Philadelphia. RCA delivered the lowest fixed rate in the market along with a non-recourse structure and capped transaction costs.
* Office Building Acquisition: RCA arranged a $54,250,000 acquisition loan for a 356,000 square-foot class "A" office building known as the Great Valley Commerce Center. Located in Malvern, Pa. this building is fully leased to credit tenants. The debt assignment for this property was highly sought-after and competitive. RCA was awarded the assignment by delivering maximum leverage and a strong long-term fixed rate.
* Single Tenant, Net Leased Retail Acquisition: RCA arranged a $4,000,000 acquisition loan for a commercial parcel that is being leased long-term by Royal Farms, a fresh food and gas station chain based in the Northeast. RCA delivered the most competitive rate amongst three other options the client was considering and the loan was closed in only 25 days in accordance with the borrowers agreement of sale.
* Mixed-Use Building Acquisition: RCA arranged a $3,000,000 acquisition loan for a mixed-use (apartment/commercial) building. The property has 9 apartments and 1 commercial unit (a 7-Eleven store). RCA delivered maximum leverage, 3 years of interest only, capped transaction costs and a non-recourse structure for their client.

"We have the expertise and lender relationships to deliver favorable financing for the full range of commercial real estate assets anywhere in the country."

For more information, go to

About Rittenhouse Capital Advisors:

Rittenhouse Capital Advisors (RCA) is a comprehensive debt, equity, and advisory solutions provider specializing in placing debt and equity (either for acquisitions or refinances) for Rittenhouse Realty's clients and other commercial borrowers. RCA understands the complexities of the commercial real estate market, and that no two assets are exactly alike. As such, they take the time to thoroughly understand their clients' needs and goals, so they can negotiate and arrange the financing structure that works best for them. Leveraging its extensive network of lender relationships developed over the teams combined 60 years in the banking industry, RCA is able to speak "banker to banker" with the ultimate funding source, allowing them to deliver the most competitive terms in an efficient and professional manner.

Media Contact:
George Johnson - CEO
Rittenhouse Capital Advisors
107 S. 2nd Street 4th Floor
Philadelphia, PA 19106

Phone: 215-989-4443

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