• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer

Nevada Business Magazine

The Decision Maker's Magazine

Subscribe Now!

  • Subscriptions
    • Print
    • Mobile App
    • Email
    • Nevada News & PR Wire
  • Features
    • New This Month
    • View Issues
    • Cover Stories
    • Feature Stories
    • Industry Focus
    • Building Nevada
    • Special Reports
    • Meet the Decision Maker
    • Press Release Wire
    • Nevada Industries
  • Departments
    • A Matter of Opinion
    • Around the State
    • Business Indicators
    • Commentary
    • Commercial RE Report
    • Crossfire
    • Expert Advice
    • Face to Face
    • Free Market Watch
    • Inside Politics
    • Power of Attorney
    • Profit & Loss
    • Speaking for Nevada
    • Tech.knowledge.me
    • The Last Word
    • Vital Signs
  • Planning Calendar
  • Advertising
    • Advertising Info
    • Advertising Staff
    • Submission Requirements
    • Online Advertising
  • Events
    • NBM Events
  • About
    • About the Magazine
    • Contact the Staff
  • Connect
    • Business Directory
    • Press Release Wire
    • Business Calendar
    • Submit Listing
    • Post Press Release
    • Add Your Event
    • Sign Up
    • Log In
You are here: Home / Features / Building Nevada / Commercial Real Estate Financing

Commercial Real Estate FinancingNavigating a Post-Pandemic Market

July 1, 2021 By Jennifer Rachel Baumer Leave a Comment

Fickle – that’s one word to describe the commercial real estate market as the COVID-19 pandemic winds down and the accompanying economic development downturn looks likely to take 18 to 24 months to resolve. 

For individuals or companies wanting to buy or build commercial real estate (CRE) properties, there’s money available – for the right person, with the right deal and at the right time. If those factors fall into place, there’s conventional loans available from banks and other lenders, as well as Small Business Administration (SBA) loans. 

But the market at the end of Q2 2021 isn’t taking risks. There’s not much speculative lending for anyone without a solid track record, which means borrowers who have built or bought CRE before, understand the market, and have the proven ability to repay loans. 

“I’m seeing a very good availability of financing in the market,” said Jeff Pori, founder and CEO, Kingsbarn Realty Capital. By financing he means everything from bridge loans (short-term financing used until the borrower can secure permanent financing) to gap equity loans (between short-term and permanent) which are prevalent. And the CMBS market—commercial mortgage-backed securities—has come back from pandemic days, “It [had] basically shut down for a few months and then, when it came back, it was unpredictable at best,” said Pori. 

Leverage isn’t as high as it was, and it wasn’t all that high pre-pandemic. “At least compared to 10 or 15 years ago when you could regularly get 70 to 75 percent levels of leverage. It’s more like if you want good terms, you’re going to be down in the 55 to 60 percent leverage range,” said Pori. 

Which means there’s a lot of financing available, a lot of monetary volume out there in the marketplace, but the market is still fickle, looking for the right deal at the right time. 

Pandemics and Properties

Not all CRE properties have returned to pre-pandemic levels. “Borrowers who own industrial and multi-family are seeking and obtaining very aggressive loans, almost at the same level as pre-pandemic,” said Kyle Nagy, director, CommCap Advisors. “Other property types, retail and office specifically, are not at pre-pandemic levels yet. There’s more caution around those property types.” 

Retail and office often lag industrial and multifamily in recovering from an economic downturn. And with the pandemic-caused downturn, office and retail were hit immediately, because people weren’t going to work, and they weren’t going shopping. 

“It’s not necessarily economic distress, all property types suffer,” said Nagy. “It can be economic distress specific property types, individual property types, suffer. Prior to the pandemic we were able to lend at 70 to 75 percent loan-to-value on office and retail. That was a traditional loan-to-value request, lenders were there, and they were competitive and able to close these types of transactions.” Post-pandemic, specific retail and office properties have lower loan-to-value, so instead of 75 percent it might be 66 percent. 

When deals are made, they’re being made fast. Interest rates fell to, in some cases, below 3 percent over the course of 2020. The volatility of the market creates a complication for lenders, though. The period between putting a deal together and signing documents needs to move faster. Because that’s the time lenders are most at risk. 

Lenders move faster to limit exposure. “So, when they close on a loan, before they sell it, that time period is when they’re exposed to changes and conditions, so they really have tried to close loans very, very close in time to when they’re going to bundle and sell them,” said Pori. “They’re trying to bring things to the market very quickly at lower leverage levels, and they’re very much leaning on tenants that are creditworthy. They’re not very speculative at all right now.” 

Building and Buying

In the current market, someone looking to buy CRE property is probably looking for a stabilized, income-producing asset like a multifamily apartment project or a retail center where people buy clothes and have lunch. And financing is available, said Nagy. 

Buyers for commercial property are looking for permanent, full-term loans, generally with a period of 10 years. When looking for permanent financing on CRE, there are options. The ones most people lean on are either the CMBS market, or life insurance companies. “Those are the two that are most typically used for permanent financing on deals that have any kind of scale to them,” said Pori. 

Most investors wanting to build office, retail or multifamily property go to their local bank. “These are the institutions that provide typical construction financing,” said Nagy. “They’re still lending in the marketplace, and properties are being built, and they’re lending on traditional property types. There’s no question, local banks are far more aggressive on industrial and multifamily than they would be on office or retail.” 

Traditional conventional bank financing has less favorable terms than other forms of financing because bank loans are recourse loans. Life insurance loans and CMBS are nonrecourse, meaning there’s no personal guarantee required. “You’re only exposed for what they call the bad boy carve-outs, if there’s fraud or environmental problems, things like that on the property,” said Pori. Banks also often have 25-year amortization schedules, where CMBS and life insurance companies generally amortize over 30 years. “That difference between a 25- and 30-year schedule makes a very big difference in cash flow to the property.” 

Government Money

On the more traditional investment, multi-tenant properties side, the only government programs are for multifamily, Nagy said. Those are HUD programs, Fannie Mae and Freddie Mac. But there are SBA 504 community development loans. The 

economic downturn and sky-high unemployment numbers didn’t cause the devastation CRE lenders expected. Government programs like Paycheck Protection Program (PPP) helped keep businesses up and running. 

“I was concerned that we would see a lot of defaults within the real estate market on our current clientele and people that have loans outstanding, and that was kind of what we were ready for, but we actually saw the opposite,” said Evan Dickson, president, Nevada State Development Corp. “We saw people who wanted to expand, businesses that were still doing good and wanted to grow and wanted to buy their commercial real estate. So that was a welcome surprise.”

Nevada State Development Corp is a certified development company (CDC) authorized by SBA to market, underwrite, process and service the SBA 504 loans. It exists to assist small businesses in acquiring owner occupied CRE with as little as 10 percent down. 

“We’re extremely busy right now,” said Dickson. With programs in place to help business owners buy CRE, and programs that made some monthly payments on SBA loans that were outstanding during the pandemic, more businesses made it through this downturn than, for example, the 2008 recession. 

“I know for a fact [those programs] helped them make it through that period of time,” said Dickson. “But I was surprised at how many loans we’re doing. Typically, in a year we do between 50 and 60 loans. We’re about three-quarters through our fiscal year and we’ve submitted 70 loans to SBA. We still have four months to go. Based on that volume, it’s crazy on the SBA side.” 

Possibly, the high increase in SBA loans is because, when the downturn hit, a lot of financial institutions took a step back, not wanting to be at higher loan-to-value on collateral. “That’s where the 504 program comes in and allows the banks to be at 50 percent loan-to-value and we pick up the remaining part through 504,” said Dickson. “That might have been a lot of what helped stimulate businesses, too, that and the fact that our interest rates were below 3 percent.” 

Interest Rates

Over the course of 2020, interest rates dropped quite low. “We’ve been seeing conventional loan pricing in the fours, in that area of coverage, and there are some institutions out there that are much more aggressive than that right now,” Dickson said. “We’re seeing them lock in some of those periods for, a lot of times, up to a 10-year period. That’s aggressive pricing going into everything. If you get a rate at a bank to buy with our rate below 3, you could be below 3 percent financing right now. How long will it hold on? Who knows? I would expect to see increases as we move forward, but I don’t think it’s going to be a huge increase. I just don’t think that they would do that to the economy at this point in time. I think they’ll wait until we’re a little more stable.” 

By comparing January 2021 to January 2020, Nagy said there was a considerable shift in interest rates. It’s difficult to predict where rates are going or where they’ll be at any specific time. “But they have stabilized here for the last couple months, and stayed within a certain range, which brings comfort and security to the lending marketplace.” 

Pori added that rates have already shot up this year when President Biden took office. “The rates that a lot of our loans are based on are either the treasuries or the swap rates, and when Biden took office, swap rates, for example, were down around 80 or 90 basis points. They quickly doubled after he took office and the spreads that the lenders price over the swaps or the treasuries, they widened as well.” Swap rates are contracts in which one party agrees to pay a fixed interest rate to another, in exchange for receiving variable rates.

Since President Biden took office, the market has stabilized and rates are hovering, and have been for about two months, said Pori. That’s a good thing, because committing rates when things are moving quickly is hard for lenders. A more stable market is more comfortable for them to lend in. 

Money to Lend

As interest rates are expected to climb and market volatility slows, there’s money to be lent. A lot of it is some of the riskier money because the market isn’t feeling speculative. The money available is either for people with very established track records and credit histories or for those seeking SBA loans. 

“Conventional is still out there, but they’re going to want to be at 70 percent loan-to-value in a lot of cases, which means you have to come up with 30 or 25 percent. Then there’s always the 504 program which basically picks up the difference from the conventional loan and lets the bank come in at 50 percent and a lot of cases, we can do an additional 40 percent, so the borrower only has to come in with 10,” said Dickson. “Either way, it’s out there, and it’s just a matter of reaching out to your banker or reaching out to your CDC to move forward.” 

In CRE, track record means the borrower has owned CRE before and understands it. If those prerequisites are in line, there’s money to be loaned. But if either the borrower or the property isn’t considered stable or creditworthy, the loan may be considered too risky in this not so speculative market. 

“Sometimes when there’s so much money out there, things start to loosen up because the money is wanting to be deployed,” Pori said. “But I really don’t see things loosening right now.”

Changes

“There’s a greater degree of uncertainty out there,” said Pori. “Are we concerned about more pandemics? I’m sure some people are, and some people aren’t. That’s just one more variable that’s been added into the marketplace now, one more risk factor.” 

One more risk factor in a marketplace where lenders are very risk adverse in the first place. Lenders like everything to be business as usual, Pori said; they like normal. So, the fact that most industries are still feeling the effects of the pandemic today, and the fact that it’s not over—headed that way, but not over yet—means that some of the effects we’re feeling are going to have lagging indicators. 

“Meaning that some of the problems that have occurred may not have manifested themselves all the way yet. There’s a very cautious approach lenders are taking to the real estate market right now, and it’s not just the pandemic anymore,” said Pori. “There’s also some inflation concerns, so that’s another thing that’s probably going to impact the market significantly going forward. We expect interest rates are going to eventually start to creep up as inflation takes further hold. And we feel very strongly that we are in an inflationary cycle, and we expect that’s going to continue for a period of 18 to 24 months, if not longer.” 

Dickson expects interest rates will go up in 2021, but not dramatically. “That’s not going to be beneficial to the economy and I don’t think anyone wants to force that into the situation right now. But they can’t stay low forever, and I don’t think they can go much lower. But we are seeing aggressive programs out there by some of the banks where they’re trying to get some money on the streets. That’s a good thing.”

Filed Under: Building Nevada Tagged With: CommCap Advisors, COVID-19, Evan Dickson, Fannie Mae, Freddie Mac, HUD Programs, Jeff Pori, Kingsbarn Realty Capital, Kyle Nagy, Las Vegas commercial real estate, Nevada commercial real estate, Nevada State Development Corp., Paycheck Protection Program (PPP), President Biden, Reno commercial real estate, Small Business Administration (SBA)

Paul Krakovitz: Intermountain Healthcare

Edward Vance: EV&A Architects

Scott Arkills: Silver State Schools Credit Union

Tonya Ruby: Cox Media Las Vegas

Online Advertorials

Online Advertorials

Roseman’s College of MedicineAddressing the Physician Workforce Shortage while Being a Positive Economic Driver

Groundbreaking LawRequires Businesses Replace Decorative Grass

The Southern NevadaEvaporative Cooling Issue

New Law Targets Turf in Southern NevadaWill Save 10 Percent of Water Supply

Advertise With Us

Advertise With Us. more details ►

Primary Sidebar

Get important updates from Nevada Business Magazine, directly to your inbox.
Subscribe

Keep WatchFinancing in Nevada

Industry FocusProperty Management

Transportation in NevadaChallenges and Opportunities

Nevada Business Awards2022

Nevada News & PR Wire

  • Southwest Medical Adds Two New Health Care Providers

  • Polish Consulate To Host Slask, A World Renown Polish Dance Ensemble At CSN For A Free Performance

  • Reno Fly Shop Becomes Reno’s First Orvis Endorsed Outfitter

  • Greater Nevada Credit Union Awards $60K in Higher Education Scholarships

  • G8 Strategies Wins Silver Communicator Award for Print Distinction

  • Siena Italian Now Offering Private Dining And Banquet Room For Graduation Parties

  • Elite Body Sculpture Opens New Location in Henderson

  • Reset IV Expanding Again in 2022

  • Nevada Affordable Housing Assistance Corporation Announces Additional Available Funding for Homeowners in Need

  • Henderson Chamber of Commerce to Host Networking Breakfast Highlighting Equity &Amp; Inclusion in Business

  • Special Olympics Nevada Receives $5K Donation From Health and Wellness Solutions Company, GOLO

  • Three Southwest Medical Specialties Newly Recognized as Nevada’s Only Patient-Centered Specialty Practices by the National Committee for Quality Assurance

  • Clark County School District Expanding Career & Technical Education (CTE) Program With $100,000 From Google

  • Optum Care Anesthesia Adds a New Health Care Provider

  • Ninth Grader’s Dinosaur Design Chosen for New Move 4 Less Truck Wrap — Surprise Reveal Made at Student’s School, Prizes Awarded —

  • People Over Profit Foundation & Silver State Schools Credit Union Announces 2022 Scholarship Program Recipients

  • CSN Awards More Than 4,200 Degree at 50th Annual Commencement Ceremony

  • Bank of Nevada, First Independent Bank, Green Our Planet and Nevada Department of Education Make Financial Literacy Curriculum Available to Every Nevada Student

  • Fort 137 Designed by Daniel Joseph Chenin, Ltd. Recognized as Finalist in International 2022 A+Awards for Architecture and Interior Design

  • De Castroverde Law Group Expands Service With Henderson Location

  • CALV Attracts Record Interest in Spring Mixer

  • Owner of Emerald Island and Rainbow Club Casinos Receives Prestigious Accolade by The Silver State Awards

  • Charlie Palmer’s Pigs & Pinot Returns to the Grand Sierra Resort June 11

  • The Nevada Dairy Farmers Culinary Scholarship Deadline Extended

  • Trosper Public Relations in Nevada Promotes From Within

  • Nathan Adelson Hospice’s Annual “A Flair for Care” Fashion Show & Luncheon Raised More than $500,000 for the Hospice’s Uncompensated Care Program

  • Optum Care to Hold On-Site Hiring Event May 17

  • The Discovery Introduces New Exhibition: Energy/Energía

  • Grand Sierra Resort and Casino Makes Major Contribution to the Children’s Cabinet

  • What’s New for the 2022 Reno Rodeo

  • CALVPresident Angelina Scarcelli Honored by GlobeSt.com Women of Influence

  • Henderson Professional Fire Fighters, Henderson Hospital and City of Henderson Kick off “Safe Pools Rule!” Campaign

  • Applied Analysis Announces Management Promotions and Returning Team Member

  • May 26 NAIOP Southern Nevada Breakfast Presents “Nevada Elections and Politics: Midterm Update”

  • Henderson Chamber of Commerce Promotes Events Manager

  • Tee Off for a Great Cause at United Way of Southern Nevada’s 65TH Anniversary Golf United Tournament

  • Attorney General Ford Cautions Nevadans to Be on the Lookout for Credit Union, Bank Imposter Scams

  • Cox Donates Laptops to Intermountain Healthcare’s Medical Assistant Training Program

  • Nathan Adelson Hospice Announces Staff Promotions

  • Las Vegas-Based Social Issues Theatre Hosts Fundraiser to Support Mental Wellness and Community Unity

  • State Child and Family Services Issues Discount Cards in Honor of Foster Care Month

  • CSN Celebrates Its 50th Commencement Ceremony

  • More Prizes Added to Golden Ticket Raffle for Junior Achievement of Southern Nevada — Six Fabulous Packages, May 31 Drawing —

  • Local Businesses Partner with Project 150 to Launch After School Program, ‘A Fighting Chance,’ for Homeless, Displaced and Disadvantaged High School Students

  • Helix Electric of Nevada to Host Charity Spring Golf Tournament

  • Camp Rhino Trainers And Members To Transport Heavy Equipment Manually To New Location

  • LP Insurance Names Marsh HR Director

  • Crovetti Orthopaedics Welcomes Board Certified Jennifer D’Andrea, APRN to Medical Team

  • Nevada Donor Network &Latin Chamber of Commerce of Nevada Launch ‘Corazon de Esperanza’ Latino Donor Outreach Campaign

  • Local Diver to Appear on the Problem Solver Show to Discuss the Search for Human Remains in Lake Mead

  • Calv Presents June 2 Class on Land Sales

  • Ira Gostin to Lead Creative Innovation Workshop at PRSA Counselors Academy in Scottsdale, Ariz.

  • Touchstone Living Breaks Ground On Independence Offering Attainable Homes For First-Time Homebuyers

  • aha! On Course to Complete 1,500 Flights

  • FirstMed Health and Wellness Center Partners with Transit Centers to Combat Human Trafficking in Southern Nevada

  • Rudy Ruettiger to Speak at Northern Nevada Italian Association Annual Fundraising Dinner May 19

  • Southwest Medical Adds Two New Health Care Providers

  • Optum Care Cancer Care Adds a New Provider

  • Elko REALTOR® Greg Martin Appointed to Key 2023 Position With National Association Of REALTORS®

  • Local Dentists Provide Free Care to Uninsured Children at Give Kids a Smile Event

  • Laine Blackmon Joins Blackmon Home Loans and NV Capital Corporation as Loan Officer

  • Cross Creek, a 197-Home Community at the Historic Lompa Ranch, Opens in Carson City

  • Dr. Catherine Prato Introduces NuseMuse a New Web-Based Study Platform Is Built for Nursing Students by Nurses!

  • UNLV Engineering Students Showcased Inventions With Commercial Potential at Senior Design Competition on May 5

  • Tom Clark Solutions Chosen as Reno + Sparks Chamber of Commerce Lobbyist of Record

  • Southern Nevada Home Prices Keep Climbing While Sales Start to Slide

  • Lipson Neilson Partner Jessica A. Green Appointed Interim Hearing Master for the Las Vegas Municipal Court

  • The National Council of Juvenile and Family Court Judges To Hold 85th Annual Conference in Northern Nevada

  • United Way of Southern Nevada Welcomes New Director of Fund Development and Donor Relationships

  • Henderson Chamber of Commerce President and CEO Wins U.S. Small Business Administration Award Recognition

  • Taurean Consulting Group Promotes Brianda Barrett to Technical Recruiter

  • Sunset Montessori Community Announces 2022 Summer Camps

  • OurFamilyWizard Joins National Council of Juvenile and Family Court Judges With Corporate Sponsorship

  • Natalie Gulbis Golf Classic to Benefit Boys & Girls Clubs of Southern Nevada — Foursome and Sponsor Opportunities Still Available for May 16 Event —

  • Celebrate Mother’s Day at Emerald Island and Rainbow Club Casinos

  • aha! Announces New Non-stop Service Between Reno and Santa Rosa

  • Henderson Chamber of Commerce Announces Two-Year Rate Lock for Association Health Plans During 2022 Open Enrollment

  • Pro Football Hall of Fame & SilverSummit Healthplan Focus on Student Mental Health & Suicide Prevention at ‘Strong Youth Strong Communities’ Youth Summits

  • Siena Italian Now Taking Reservations For Mother’s Day Brunch and Dinner

  • Mariposa Cocina And Cocktails Launches Cinco De Mayo Celebration!

  • Is Your Business Prepared for Cyber Attacks? iTernal Networks’ Free Upcoming Webinar “Why Your Company Needs a Cyber Security Risk Assessment” – May 12th 1 pm PDT

  • Cox and Manheim Nevada Help Launch Cox “34 by 2034” Social Initiative

  • Southern Nevada Senior Law Program Spreads Awareness of Older Americans Month

  • Asset Tracking Maker, SeeID Wins $200,000 Investment From AngelNV

  • Broadbent & Associates, Inc. Awarded 2022 Nevada Wastewater Circuit Rider Contract

  • CAMCO Promotes Tabitha Gerken to Division Director of Its Southern Nevada Portfolio Division

  • LVGEA President & CEO Tina Quigley Joins the Workforce Connections Board

  • Six Nevada-Based Startups to Vie for $200,000 AngelNV Investment This Saturday Afternoon at Las Vegas City Hall

  • Coral Academy of Science Las Vegas’ Sandy Ridge Campus Ranked in the Top 5 of Best High Schools in Nevada by U.S. News & World Report

  • Nevada State Bank Branches Collecting Feminine Hygiene Products and Gently Used Purses for Local Nonprofit

  • Celebrate Older Americans Month ‘The Reno Way’ Throughout May

  • Pro Football Hall of Famers & SilverSummit Healthplan Visit Metro Police Officers

  • Nevada Donor Network and Clark County Commission: Welcome to Las Vegas Sign Turns Blue and Green to Celebrate National Donate Life Month ‘Blue and Green Day’

  • Tonopah High School Students in J4NG Discover Career Paths at Kinross Nevada

  • Chicanos Por La Causa Celebrates Grand Opening of New Las Vegas Office and Minority Business Development Agency Center with Local Leaders

  • SafeNest Spring Soiree Will Celebrate Kentucky Derby Day, Raise Funds for Critical Survivor Services and Programs

  • Dunkin’® Debuts Vibrant Flavors, Delicious New Ingredients & the Return of Fan Favorites to Make the Most of Sunnier Days Ahead

  • Thrive Wellness Expands Specialized Mental Health Treatment Centers

  • Kara Harris Joins Business Banking Team at First Independent Bank

  • SR Construction Named Design-Build General Contractor For The Hyde Park Commercial Redevelopment Project



 
Submit Your News & PR | Subscribe
Submit Your News & PR

Business Connection

Business Connection Portal

Log In Sign Up

Business Connection Portal

Log In Sign Up

Nevada Business Calendar

  • Golden Ticket Raffle
    May 31, 2022 12:00 am

    More details...
  • Nevada Workforce: Training, Hiring and Managing Employees
    June 2, 2022 7:30 am

    Location: 6635 West Badura Ave, 180, Las Vegas, NV 89118

    More details...
View Full Calendar ►

Nevada Business Directory

Featured Businesses
Find a Nevada-Based Business Submit Your Business Subscribe to the Nevada News & PR Wire

Nevada Industries

Architects & Engineers
Arts & Culture
Banking
Commercial Real Estate
Construction
Credit Unions
Economic Development
Education
Financial Management
Healthcare
Human Resources
Insurance
Law
Manufacturing
Marketing
Media
Mining
Philanthropy
Residential Real Estate
Rural Nevada
Sports
Tax Planning and Accounting
Technology
Telecom
Tourism
Transportation
Utilities

Footer

Subscriptions

  • Print Subscription
  • Mobile App
  • E-mail Subscription

Editorial

  • Features
  • Departments
  • Events

Advertising

  • Advertise
  • Submission Requirements

Connect

  • Contact
  • LinkedIn
  • Facebook
  • Twitter

Copyright © 2022, Business Link LLC dba Nevada Business Magazine and Nevada Business Journal. Privacy Policy | Terms & Conditions
Nevada Web Design services by Nevada Central Media using Genesis Framework by StudioPress

    *Your Name

    *Your Email

    Phone Number

    Company

    *Subject

    *Your Message

      *Your Name

      *Your Email

      Phone Number

      Company

      *Subject

      *Your Message

        *Your Name

        *Your Email

        Phone Number

        Company

        *Subject

        *Your Message

          *Your Name

          *Your Email

          Phone Number

          Company

          *Subject

          *Your Message

            *Your Name

            *Your Email

            Phone Number

            Company

            *Subject

            *Your Message

              *Your Name

              *Your Email

              Phone Number

              Company

              *Subject

              *Your Message

                *Your Name

                *Your Email

                Phone Number

                Company

                *Subject

                *Your Message

                  *Your Name

                  *Your Email

                  Phone Number

                  Company

                  *Subject

                  *Your Message

                    *Your Name

                    *Your Email

                    Phone Number

                    Company

                    *Subject

                    *Your Message