If you need a commercial real estate loan, and the deal is slightly flawed, you should take it to a bank located close to the property.  Most commercial real estate lenders prefer to lend close to one of their offices.

Let's suppose your property is a very successful restaurant in the very best location in town.  Now banks normally do not like to make loans on restaurants because of the high failure rate.  If a local banker, however, dines regularly at the restaurant and appreciates the fact that the business is thriving, there is an excellent chance that he'll still make this commercial real estate loan.

Here's another example.  Suppose your borrower has credit that is slightly dinged, and most of the big banks have already turned down his commercial real estate loan request.  This is another example of where you should take his commercial real estate loan to the small bank located just down the street. 

This small, local bank will probably have a higher interest rate than Wells Fargo Bank or Wachovia Bank, but their rate will, almost certainly, be a whole lot better than those of some commercial hard money lender, like Blackburne & Brown. 

This small, local bank may arguably make a hard money commercial real estate loan ... all because the commercial property is located close to the bank, and they are very comfortable with its value.

Using maps.yahoo.com you can easily pinpoint nearby banks to any property in America.  Or you can simply go to C-Loans.com and choose six banks located close to the property.