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Tell your auto repair mechanic, your preferred restaurant owner, and the owner of the pool cleaning company it is last call for subprime industrial loans. I anticipate the sub-prime commercial home loan market may decrease by 75% within six months. It may be too late if they don't apply next few weeks, if these small businesses are ever planning to pull some equity out-of their industrial properties to wave them through the coming recession. The way that Wall Street lenders, like Bayview Financial (a organization and friends of ours), increase their lending money will be to securitize their sub-prime commercial loans. They place the loans in a huge share. They assign the pool of loans to a trust. The trust problems securities backed by the loans in the trust. Then investment lenders sell these securities to the Asset-Backed Securities (ABS) market. In addition to subprime commercial loans, car loans and credit card debt may also be often offered as ABS ties. The thing is the buyers of those ABS ties are now requiring enormously higher yields. I read in Bloomberg recently that the buyers of AAA-rated ABS securities are currently challenging yields that are a full 14 days (200 basis points!) more than they were only eight months before. The hunger for ABS bonds is actually waning. Furthermore, Wall Street subprime commercial creditors will also be having to reduce their loan-to-value ratios. Like, Silverhill Financial recently reduced its high-LTV program from 97% to only 85% loan-to-value. To get fresh information, we recommend people check-out:  [http://jenlawrencefan.net/blog/2013/07/30/10-tips-to-keep-your-cleaning-staff-inspired/ 10 Tips to keep your cleaning staff inspired | Jen Lawrence Fan] . These changes are a warning that the market for ABS bonds might be drying up. Commercial credit companies will undoubtedly be unable to take care of the overflow if Bayview, Lehman Brothers and the relaxation of the Wall Street subprime commercial lenders suddenly call back their plans, the relatively little tough money. Sub-prime commercial mortgage lending could generally dry up, and it could happen quickly. Therefore you have to tell who owns your auto body and your favorite restaurant repair man that if they are actually going to try to use against their houses, they better do it now!.Castle Cleaning 10901 Olympia Fields Lp Austin, TX 78747 (512) 291-4800