As commercial lenders, commercial borrowers, investors and government agencies cast about in search of a solution to the "underwater" commercial-loan problem, virtually every solution which they explore requires someone to sacrifice—or requires everyone to sacrifice.

S.Crow Collateral Corp., as a qualified dealer in capital assets, can change everything for the better in this situation, because, as with our other transactions, our cost/benefit structure is advantageous, in ways which are not readily available to other principals.

From the lender's point of view, however, the most important accomplishments because of S.Crow Collateral Corp.'s role are these: (1) The lender is paid in full on the "underwater" loan; (2) the lender has much more money deployed productively; and (3) the lender's cash flow and return on investment quickly rise.

Nevertheless, the commercial borrower's indebtedness is reduced and is no longer excessive in relation to the property's value today.

Everything can change for the better.