--- title: Commercial Loan Demand is Seasonal description: Commercial loan brokers are subject to wide swings in the demand for commercial loans? What can they do to even out commercial loan demand? image: https://info.c-loans.com/hubfs/Business.jpg --- [![c-loans-logo-2025](https://info.c-loans.com/hs-fs/hubfs/images/c-loans-logo-2025.png?width=183&height=86&name=c-loans-logo-2025.png)](https://c-loans.com) [Terms of Use](https://www.c-loans.com/terms-of-use) | [Disclaimer](https://www.c-loans.com/disclaimer) | [Blog](https://info.c-loans.com/) # Commercial Loans and Fun Blog ## [Commercial Loan Demand is Seasonal](https://info.c-loans.com/commercial-loan-demand-is-seasonal) Posted by [George Blackburne](https://info.c-loans.com/author/george-blackburne) on Mon, Apr 6, 2015 - [Tweet](https://twitter.com/share) ![Spring](https://info.c-loans.com/hubfs/Spring.jpg)Commercial loan demand is both seasonal and predictable.   ***Busy Season*** for commercial loan originators starts around September 15th and ends by late November.  Forty percent of all of the commercial loans closed by [Blackburne & Sons](http://www.blackburneandsons.com) each year are originated during the brief two months of Busy Season.  This is why we have a two-month stretch, like retailers during Christmas Season, during which vacations are prohibited. Why does the commercial loan business have a Busy Season?  By the middle of September, summer vacations for the family are over, and the kids are back to school.  It's then time to get down to business.  Commercial real estate investors have balloon payments to refinance and more expensive ***commercial-investment properties*** to acquire, if for no other reason than the need for more tax shelter. [![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) The second busiest time for commercial loan demand begins around the third week in January, and this brisk period continues for the next 70 days or so.  Why then?  Christmas Season is over, the family has gone home, and the Christmas decorations have all been boxed and packed away.  Its once again time to get down to business.  Commercial real estate investors need money to pay their income taxes, to expand their own businesses, or to buy other properties.  They can often get at some cash by refinancing their existing commercial buildings.   ![Business](https://info.c-loans.com/hs-fs/hubfs/Business.jpg?width=365&name=Business.jpg)   Commercial loan demand also has its Slow Season.  For commercial loan originators the pickings get pretty slim beginning around April 1st.  This lasts for about 40 days.  Why is commercial loan demand so weak during Slow Season?  The weather turns beautiful in April, and who wants to mess around with reams of paperwork when the sun is shining and the birds are singing? This brings us to the point of today's training lesson.  There will be ***predictable*** times in the commercial mortgage business when commercial loan demand is going to be really, really slow.  You certainly don't want to just sit there twirling your thumbs.  A commercial loan officer can only process so many commercial real estate loans per year, if for no other reason other than he runs out of working hours.  If you let precious working hours slip away, you can never get them back.  That income-generating potential is lost *forever*.  So what's a boy to do?   ![Outlet](https://info.c-loans.com/hs-fs/hubfs/Outlet.jpg?width=415&name=Outlet.jpg)   This is why I am a huge fan of ***list advertising***.  I started out 35 years ago sending out by snail mail thousands of newsletters printed on legal-sized sheets of copier paper.  My newsletters were simple and basic, but they worked pretty well.  Then I moved on to fax broadcasts, which worked cheaply and effectively for ten years.  Today I use fun email newsletters, complete with lots of jokes, funny pics, interesting videos, and training lessons in commercial real estate finance (CREF).  Maybe in the future I'll move on to video emails or talking avatars.  Who knows? But my point is that I will probably *always* be a big proponent of ***list advertising***.  By amassing a big list of buddies and contacts, I have a tool I can use to adjust the volume of my incoming loan applications.  When I'm buried, I can stop sending out newsletters for a few weeks.   When business slows down, I can double the frequency of my newsletters.  This way I can always keep our loan officers busy, without totally burning them out. "But George, I don't have a marketing list."  Then use the next few weeks - they are going to be slow - to start building your list of contacts.  It's a slow process.  I almost never throw strangers on my list.  I only add those guys or ladies whom I meet in the regular course of business.  They either visit our website, write to me, or call into our office for a commercial loan.  But once I meet a good contact - you, for example - I try to maintain that friendship for the rest of our mutual careers.  There are several hundreds guys on our newsletter lists who have been my business buddies for over 30 years! Doubling your newsletter volume doesn't always work.  Twenty-five years ago I remember calling my personal mentor - Bill Owens of [Owens Financial Group](http://www.owensfinancial.com) - and complaining about the market being incredibly slow.  Bill is a huge fan of deep sea fishing, and I remember him saying, "Sometimes, George, all you can do is to go fishing." Once again, thank you in advance for any social media atta-boys you can throw me, like Facebook Shares, Twitter Re-Tweets, Linked In Shares, and Google Plus-Ones.  Got any employees or industry buddies who might enjoy this training lesson?   [![Forward To a Friend](https://no-cache.hubspot.com/cta/default/37671/8d78b894-63b6-4556-9250-c659c4bbc0f7.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/8d78b894-63b6-4556-9250-c659c4bbc0f7)   Are you the employee or friend who was just forwarded this article?  (Thank you to the sender!)  About five years ago I started writing this blog to train my two wonderful sons in commercial real estate finance.  I was afraid I might suddenly keel over from my bad heart.  Suprisingly, I'm still kicking, but twice a week I still try to write another training article about commercial real estate finance for my sons and good friends.  It's ***free*** training in a very lucrative field.  Why not subscribe?   [![Subscribe To Blog](https://no-cache.hubspot.com/cta/default/37671/7636800d-cf5e-48c6-88cb-f71c131eb6ee.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/7636800d-cf5e-48c6-88cb-f71c131eb6ee)   A huge wave of commercial loans will be maturing over the next three years.  Those commercial mortgage brokers who actually know what they are doing will make the windfall of their lives.   [![Nine-Hour Video Training Course How to Broker Commercial Loans](https://no-cache.hubspot.com/cta/default/37671/2fa994cb-f6ac-4671-821f-b4bd48cb5f1f.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/2fa994cb-f6ac-4671-821f-b4bd48cb5f1f)   No one ever listens to me.  **The real money in real estate finance is in *loan servicing***.  I know what you're thinking.  "OMG!  I don't know how to service a loan!"  Hellooooo?  My beautiful bride and I serviced our first 30 loans by hand using payment books from the title company.  Or you can just cheaply hire a sub-servicing company for $20 per loan per month.  You charge your investors $1,000 per month to service the loan (its actually your deferred compensation for originating the loan), and then you hire a sub-servicing company for $20 per month.  Is there intelligent life out there?   [![Become a Hard Money Lender. Approve Your Own Deals!](https://no-cache.hubspot.com/cta/default/37671/247e2ace-c2a5-450b-ae3e-291f280f1d14.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/247e2ace-c2a5-450b-ae3e-291f280f1d14)   If you know just one banker who is making commercial real estate loans, you can parlay that information into a list of 2,000 commercial real estate lenders.  Don't want to give up your precious contact at the bank?  Then just [buy the list](http://www.commerciallenders.com) for $39.95.   [![Free Directory of 750+ Commercial Real Estate Lenders](https://no-cache.hubspot.com/cta/default/37671/45210861-0c6d-463d-95dc-5f7cad73cc71.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/45210861-0c6d-463d-95dc-5f7cad73cc71)   In the 2,000-year history of commercial real estate finance, there has never been a single commercial mortgage broker who has not been cheated out of a $15,000+ commission by a borrower who either lied about his qualifications or who unjustifiably cancelled his loan request after the broker had devoted scores of hours to processing it.  When you get really-really mad, don't commit mayhem or murder.  Instead invest a lousy $199 and actually learn how to economically collect your justly due commissions.     [![Fee Agreement and Fee Collection Course. Just $199.](https://no-cache.hubspot.com/cta/default/37671/b8c2bde4-6428-433c-85cd-dfd884ff4a2c.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/b8c2bde4-6428-433c-85cd-dfd884ff4a2c)   The following commercial mortgage marketing course is one of my greatest works.   [![Click me](https://no-cache.hubspot.com/cta/default/37671/bc4f3afc-355c-4525-88a5-1b42244ba146.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/bc4f3afc-355c-4525-88a5-1b42244ba146)   Got an "A" quality (best rate) commercial loan request that is far too good for Blackburne & Sons?  C-Loans.com is a free commercial mortgage portal, where borrowers and brokers just like you have closed over 1,000 commercial real estate loans.  Last year one of our brokers closed an $18.5 million commercial construction loan using C-Loans, and he earned himself a $92,500 commission.  Could you use $92,500 right now?   [![Submit Your Loan to 750 Commercial Lenders Using C-Loans.com.  It's Free!](https://no-cache.hubspot.com/cta/default/37671/9f0b2bed-fb9b-455d-b8be-17d8f7960a2a.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/9f0b2bed-fb9b-455d-b8be-17d8f7960a2a)   A few years ago we had the pleasure of calling up Alan Dunn of SpyderCube and informing him that the link  to C-Loans that he had placed on his site had worked.  The borrower had visited Alan's site while Alan was asleep.  We paid Alan $21,250.   [![Earn a $21,250 Referral Fee In Your Sleep](https://no-cache.hubspot.com/cta/default/37671/b419287e-3751-4c1a-9678-92f91dda773b.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/b419287e-3751-4c1a-9678-92f91dda773b)   Topics: [marketing for commercial loans](https://info.c-loans.com/topic/marketing-for-commercial-loans) ### George Blackburne III Owner of C-Loans, Inc. ![george blackburne photo](https://info.c-loans.com/hs-fs/images/george-blackburne-photo.jpg?width=156&height=217&name=george-blackburne-photo.jpg) ### Subscribe via E-mail ### Connect with C-Loans ## [![Get the Latest Scoop on C-Loans Inc.](https://no-cache.hubspot.com/cta/default/37671/bacfb58b-143e-40d7-b126-33c182b5b90b.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/bacfb58b-143e-40d7-b126-33c182b5b90b) C-Loans.com® is sponsored by  C-Loans, Inc. — For more information, contact Tom Blackburne 555 University Ave., Suite 150, Sacramento, CA 95825 Telephone: (916) 338-3232 x 317 * Tom Blackburne in Indiana: (574) 210-6686 * Fax: (916) 338-2328 Real Estate Broker -- California Department of Real Estate -- License Number 01330173 Arizona Dept. of Financial Institutions – License Number 0909472 The Florida Mortgage Brokers License Number: 0708758 [Read our many client Success Stories](https://c-loans.com/mortgage-brokers-overview/success-stories/) » © 2025 C-Loans, Inc. All rights reserved. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "George Blackburne", "url" : "https://info.c-loans.com/author/george-blackburne" }, "datePublished" : "2015-04-06T21:56:00.000Z", "headline" : "Commercial Loan Demand is Seasonal", "image" : [ "https://info.c-loans.com/hubfs/Business.jpg" ], "mainEntityOfPage" : { "@id" : "https://info.c-loans.com/commercial-loan-demand-is-seasonal", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://info.c-loans.com/hubfs/c-loans-logo-2025.png" }, "name" : "C-Loans, Inc." } } ```