---
title: Commercial Financing in a Recession
description: Auto Repair is Hot and Retail is Not   I recently spoke on commercial real estate loan matters at the   National Association of Mortgage Brokers Annu
---

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# Commercial Loans and Fun Blog

## [Commercial Financing in a Recession](https://info.c-loans.com/bid/53385/commercial-financing-in-a-recession)

Posted by [George Blackburne](https://info.c-loans.com/author/george-blackburne) on Tue, Sep 23, 2008

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*Auto Repair is Hot and Retail is Not*

I recently spoke on commercial real estate loan matters at the National Association of Mortgage Brokers Annual Conference in New Orleans. While at the conference, I wandered through the exhibit room and brain-stormed with the exhibitors.

Not surpisingly, commercial real estate lending was way down. Commercial lenders had scaled back their appetite for retail properties.

[![Free List of 3,159 Commercial Lenders  Sort By Your Own Criteria](https://no-cache.hubspot.com/cta/default/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24)

But one asset class was hot - of all things, auto repair! Apparently some of the larger commercial lenders had noticed that ***the best performing class of commercial properties in their portfolios was in fact auto repair***. It makes sense. Americans are not buying new cars right now but are rather just repairing their existing cars.

One lender with whom I spoke had actually raised its loan-to-value ratios on auto repair loans from 65% to 75%, in order to encourage more commercial loan applications on such properties.

---

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 Topics: [commercial real estate loan](https://info.c-loans.com/topic/commercial-real-estate-loan), [commercial loan](https://info.c-loans.com/topic/commercial-loan), [auto repair loan](https://info.c-loans.com/topic/auto-repair-loan), [commercial financing](https://info.c-loans.com/topic/commercial-financing), [commercial mortgage](https://info.c-loans.com/topic/commercial-mortgage)

### George Blackburne III Owner of C-Loans, Inc.

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