Loan Programs

BG/SBLC/LC Lending Program

Borrow against your BG, SBLC/LC, MTN or similar bank or insurance guarantee instrument up to 92% of its face value, or monetize it up to 96% of its face value.

100% Investment / Loan Financing Program

1. This program is available for non-USA registered entities/borrowers only.  Because of NAFTA rules, it can be used for projects in any country, including Canada and Mexico, except the USA, its territories and/or protectorates, for which we have other applicable alternatives.
2. This program will provide 100% of your project financing needs including most if not all of the costs of processing your loan through to funding, hence 100% Financing.
3. $5.0 million minimum, no maximum, with Interest rates as low or lower than 4.75% p.a., payable interest only, with up to a 3 year grace period for construction and stabilization.  The term is 10 years with pay out or refinance at that time.  There is no pre-payment penalty.

Corporate Financing

We are pleased to offer this exceptional program for those existing companies wishing to:

1. Borrow at below market rates;
2. Repay loan principal (as well as interest) with before-tax dollars. Normally, principal must be repaid with after-tax dollars meaning that a 40% tax bracket corporation must earn about $1.70 to repay every $1.00 in loan principal. With our program, principal payments are made dollar for dollar. Just think what that can do for your bottom line;
3. Retire and/or sell your company to others and enjoy your profits devoid of capital gains tax consequences;
4. Sell up to 99% of your company and still maintain control;
5. Possibly recapture your last 3 years corporate IRS tax payments;
6. Create a market for inside and/or outside shareholders in closely held companies;
7. Reward employees with a benefit tied to corporate performance while affording the company substantial tax benefits;
8. Increase profits;
9. Increase employee loyalty, reduce absenteeism, improve employee morale;
10. And more… much, much more.

Bridge Financing (Fastest Loans)

Note – This program is not recommended for long term situations. It is expensive and should only be used when money is needed in a hurry and should be replaced by other, more conventional loans as quickly as possible.

1. This Lender is a private money lender and is basically real estate oriented. They understand and prefer real estate as collateral for their loans.
2. Loan amounts can be as low as $250,000 and up to $25 Million or more.
3. Loan amounts can be up to 65% of the “quick sale” value of a property which means that, a property may appraise at $10 Million but, if its quick sale value is only $8 Million, they will only loan $5.2 Million.
4. The interest rate will be between 1.00% to 1.25% per month (12% to 15% per year) to be fixed according to the contemplated risk which will be determined by our Lender after completion of their due-diligence.
5. In addition, in lieu of equity, a 7% to 10% “premium” will be added to and included in the loan amount to be repaid at the end of the term. What this means is that, if you wish to borrow $1.0 Million net, the loan amount must be for ($1.0 MM x 1.07 =) $1.07 MM and the “premium” will be deducted as pre-paid interest from the loan proceeds at closing. The monthly interest, however, will be calculated only on the base loan amount and not on the “premium.”
6. The loan term may be up to three (3) years and it may be extended if desired.

Humanitarian Projects in Third World Countries

We can provide a turn-key operation for the financing of Third World projects. The following are the MINIMUM conditions for such project financing:

• The applicant must be a domestic, U.S. based company or a JV company that includes foreign partners but with at least 51% US ownership.
• The applicant must qualify for financing according to standard underwriting procedures.
• The country must meet published U.S. Government country codes.*
• The financing facility must be able to procure for the project a guaranty from an agency of the U.S. Government.