--- title: Using Cheddar Stacks to Get Commercial Loans description: Using Cheddar Stacks, twenty referral partners can send you commercial loan leads instantly. image: https://info.c-loans.com/hubfs/shark-dentist.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 ## [Using Cheddar Stacks to Get Commercial Loans](https://info.c-loans.com/using-cheddar-stacks-to-get-commercial-loans) Posted by [George Blackburne](https://info.c-loans.com/author/george-blackburne) on Mon, Aug 19, 2019 - [Tweet](https://twitter.com/share) [![New call-to-action](https://no-cache.hubspot.com/cta/default/37671/40f7188a-9e17-4d0b-9a26-1d6ff9afd9b4.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/40f7188a-9e17-4d0b-9a26-1d6ff9afd9b4) Nineteen men and women get together every week for breakfast or lunch.  Included in the group is a - 1. Residential real estate saleswoman 2. Residential mortgage agent 3. CPA or accountant 4. Handyman 5. Real estate attorney 6. Commercial real estate appraiser 7. Fix and flip specialist 8. Owner of a flooring business 9. Owner of as water damage restoration business 10. Commercial real estate broker 11. Residential real estate appraiser 12. General contractor 13. Owner of a moving company 14. Painting contractor 15. Roofing contractor 16. Probate or tax attorney 17. Estate planner or life insurance agent 18. Owner of a property management company 19. You - a commercial loan broker.   [![Free Commercial Loan Software](https://no-cache.hubspot.com/cta/default/37671/f8924837-4c27-4eb1-a5d8-c49f9b09d9e8.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/f8924837-4c27-4eb1-a5d8-c49f9b09d9e8)   [![Apply For a Commercial Loan to Blackburne & Sons](https://no-cache.hubspot.com/cta/default/37671/34e9010d-6f3b-4979-93c2-9e705da5a9fc.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/34e9010d-6f3b-4979-93c2-9e705da5a9fc)   ![Buffet Line Fight](https://info.c-loans.com/hs-fs/hubfs/Buffet%20Line%20Fight.jpg?width=452&name=Buffet%20Line%20Fight.jpg)   [![Dirt Cheap Commercial Leads Choose Type, Size, States, Location](https://no-cache.hubspot.com/cta/default/37671/5cb4ca00-2cc5-4cbd-a3f7-6e2d89bc5bf9.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/5cb4ca00-2cc5-4cbd-a3f7-6e2d89bc5bf9)   Several times a week each of you says to a client, "As it turns out, I know a very good real estate agent (or a commercial loan broker or a handyman).  Would you mind if I gave your name and number to him, so he can contact you?" Then each member of your group takes out his cell phone, opens up the Cheddar Stacks app, and, in just 45 seconds, sends the lead to his fellow group member. At lunch, you guys share additional leads, and talk about replacements for the attorney or flooring contractor, who is not sending leads or who is not even showing up for meetings.  Cheddar Stacks makes identifying the hang-dog quitters easy.   [![Earn 11% to 12% Interest Since 1980](https://no-cache.hubspot.com/cta/default/37671/80333ce3-b6a5-4bf7-9687-52c156ed5457.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/80333ce3-b6a5-4bf7-9687-52c156ed5457)   ![shark-dentist](https://info.c-loans.com/hs-fs/hubfs/shark-dentist.jpg?width=371&name=shark-dentist.jpg)   [![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)   [![Need a NMLS License Or Your Renewal Hours?](https://no-cache.hubspot.com/cta/default/37671/9f6491a8-af19-4ba1-9236-8e97c3cd1d16.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/9f6491a8-af19-4ba1-9236-8e97c3cd1d16)   What does Cheddar Stacks cost?  It's free at first, and then, after it has proven it's worth, there is a token fee every month.  And guys, compared to paying for Google Adwords, direct mail, or internet display ads for commercial loan leads, the cost of Cheddar Stacks is ***trivial***.  Pocket change.  Two coffees from Starbucks. It is critical that you learn this lesson about originating commercial loans.  **A commercial loan lead that that you get by referral is worth THIRTY leads generated by your own advertising.  ** Why?  When you advertise for leads, you get shoppers.  The problem with shoppers is that there is always a bigger liar down the street.  "Oh, yes, I can get you a 2% commercial loan that is fixed for 100 years.  And my commercial lender will lend up to 130% loan-to-value."   [![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)    ![Screen Shot 2019-08-16 at 11.13.55 AM](https://info.c-loans.com/hs-fs/hubfs/Screen%20Shot%202019-08-16%20at%2011.13.55%20AM.png?width=448&name=Screen%20Shot%202019-08-16%20at%2011.13.55%20AM.png)   [![Earn HUGE Loan Servicing Fees Become a Hard Money Lender](https://no-cache.hubspot.com/cta/default/37671/74fdb03f-7abe-49b4-a8bb-0b402da5f977.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/74fdb03f-7abe-49b4-a8bb-0b402da5f977)   [![Get Both Video Training Programs For Just $849.](https://no-cache.hubspot.com/cta/default/37671/d0fb44bc-2893-4551-8a92-6a5080c4296e.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/d0fb44bc-2893-4551-8a92-6a5080c4296e)   Referrals, on the other hand, tend to trust you.  They put themselves into your good, honest hands, and they follow your advice.  So I say again, **"A commercial loan lead that that you get by referral is worth THIRTY leads generated by your own advertising."** Okay, you're interested.  Who wouldn't be?  For the cost of a couple of coffees each month, you can get three or four good referrals per month?  This is a no-brainer.   [![New call-to-action](https://no-cache.hubspot.com/cta/default/37671/40f7188a-9e17-4d0b-9a26-1d6ff9afd9b4.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/40f7188a-9e17-4d0b-9a26-1d6ff9afd9b4)   ![preparing-yourself-for-parenting](https://info.c-loans.com/hs-fs/hubfs/preparing-yourself-for-parenting.jpg?width=343&name=preparing-yourself-for-parenting.jpg)   [![Free $549 Training Course](https://no-cache.hubspot.com/cta/default/37671/614cb500-3fa5-40c4-9f52-3508652629cf.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/614cb500-3fa5-40c4-9f52-3508652629cf)   Each of you should already to be pushing your real estate investor clients to refinance their commercial properties.  Banks are making new permanent commercial loans at just 4.5% today; but your clients better hurry.  A recession is coming, and when it hits, banks are likely to get vey conservative about debt service coverage and loan-to-value ratios.  If your client moves right now to refinance, he should be able to get a new commercial loan of 75% loan-to-value.  You can find hundreds of the most aggressive credit unions and banks by using [C-Loans.com](https://www.c-loans.com/onlineapp).    [![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)   ![Concrete](https://info.c-loans.com/hs-fs/hubfs/Concrete.png?width=390&name=Concrete.png)   [![Convince a Bank to Join C-Loans Earn Three HUGE Fees!](https://no-cache.hubspot.com/cta/default/37671/e122102d-9a59-45e5-9ecd-7183ad793c26.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/e122102d-9a59-45e5-9ecd-7183ad793c26)   One of my favorite scenes from any movie was from *Ghostbusters II*.  Now, remember, FORTY years ago, Sigourney Weaver was smokin' hot.  A demon had possessed her body, and she was writhing on the bed in a very seductive manner.  Tending to her was Bill Murray, of classic *Saturday Night Live* fame (also *Caddy Shack*).  The demon utters, "Do you want this body?"  Bill Murray turns to the audience and says, "Is this a trick question?"  *Hahahaha!   * So, do you want ***referral** *commercial loan leads?  "Is this a trick question?"  There are some propositions that do not need to be oversold.  [Simply click here](https://affiliates.cheddarstacks.com/beta-sign-up-form27371847). [![New call-to-action](https://no-cache.hubspot.com/cta/default/37671/40f7188a-9e17-4d0b-9a26-1d6ff9afd9b4.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/40f7188a-9e17-4d0b-9a26-1d6ff9afd9b4)   ![have-you-seen-these](https://info.c-loans.com/hs-fs/hubfs/have-you-seen-these.jpg?width=427&name=have-you-seen-these.jpg)   [![How To Market For Commercial Loans  Video Course ](https://no-cache.hubspot.com/cta/default/37671/31b3aab7-d992-4293-81e6-ba38a950a89d.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/31b3aab7-d992-4293-81e6-ba38a950a89d)   [![Free Commercial Loan Placement Kit](https://no-cache.hubspot.com/cta/default/37671/882eb54a-a8b4-4c38-a2ed-605338b6f07a.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/882eb54a-a8b4-4c38-a2ed-605338b6f07a)   [![Subscribe to the Commercial Loans and Fun Blog](https://no-cache.hubspot.com/cta/default/37671/a3bd32c3-bff3-4066-9ca8-2ec475fb5bbc.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/a3bd32c3-bff3-4066-9ca8-2ec475fb5bbc)   Topics: [Cheddar Stacks](https://info.c-loans.com/topic/cheddar-stacks) ### George Blackburne III Owner of C-Loans, Inc. ![George Blackburne III C-Loans Owner](https://info.c-loans.com/hs-fs/hubfs/George%20Head%20Shot%20Small%205%20by%207%20copy.jpg?width=158&name=George%20Head%20Shot%20Small%205%20by%207%20copy.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" }, "dateModified" : "2019-09-05T19:37:54.876Z", "datePublished" : "2019-08-19T16:25:00.000Z", "headline" : "Using Cheddar Stacks to Get Commercial Loans", "image" : [ "https://info.c-loans.com/hubfs/shark-dentist.jpg" ], "mainEntityOfPage" : { "@id" : "https://info.c-loans.com/using-cheddar-stacks-to-get-commercial-loans", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://info.c-loans.com/hubfs/c-loans-logo-2025.png" }, "name" : "C-Loans, Inc." } } ```