Creative Marketing Intl Corp. and CrailHuntly, LLC, have announced y the formation of a strategic partnership to market nationally CrailHuntly’s proprietary and patent-pending program called the 453 Commercial Loan ProgramTM. This integrated buyer-financing and seller tax-deferral program applies the unique income tax advantages of annuities to facilitate the purchase and sale of commercial real estate and closely held businesses.
The 453 Commercial Loan Program (CLP) is a new, patent-pending program, offered by Creative Marketing to independent agents and financial advisors to help their clients sell highly appreciated assets in a very efficient manner for income taxes and deal financing. The 453 CLP brings together a seller and buyer in conjunction with both participating lenders and annuity carriers, in a way that benefits all parties in the transaction. The seller spreads their tax-liability over an extended term, providing tax deferral and return stability. It can create more favorable financing terms for the buyer, and generate more revenue for each participating lender than can be achieved through a standard commercial loan.
Through its unique structure, the 453 CLP can help mitigate the common problems involving the purchase and sale of highly appreciated assets, by surmounting common seller-financing issues, reduced loan-to-value ratios, and new SBA restrictions concerning loans against goodwill.