PRIVATE LENDER COMMERCIAL FUNDING PROGRAM GUIDELINES
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1 PRIVATE LENDER COMMERCIAL FUNDING PROGRAM GUIDELINES PRIVATE LENDER S OUTSIDE THE USA FUNDING DOMESTIC AND INTERNATIONAL 100% FINANCING - JV PARTNERSHIP 75/25 COMMERCIAL FINANCING $5M to NO MAXIMUM RESIDENTIAL NOO FINANCING $5M to NO MAXIMUM PROJECT DRIVEN - NO CREDIT REPORT REQUIRED 100% COMMERCIAL AND NOO RESIDENTIAL LOANS * 10% TO 1% DOWNPAYMENT NO INTEREST, NO PAYMENTS UNTIL PROJECT PROFITS *Downpayment amount is based upon size of loan. See Downpayment Requirement section below. A PRIVATE PROGRAM LIKE NO OTHER ANYWHERE! DOWNPAYMENT IS USED TO BIND/PURCHASE LOAN INSURANCE *FUNDING OCCURS AT 100% - DOWNPAYMENT IS REFUNDED AT CLOSING AS WELL AS ALL OTHER ASSOCIATED COSTS This is just one of the very unique products available from these aggressive lenders. There are many more through various non USA based direct lenders. After careful examination of your loan package it will be submitted to the best suited lender available. Page 1 of 6
2 ACQUISITIONS, DEVELOPMENTS AND CONSTRUCTION... ALL PHASES. ANY PROJECT FROM ANY INDUSTRY THAT IS INCOME PRODUCING WILL BE CONSIDERED. EXAMPLE: TECHNOLOGIES, REFINERIES, DRILLING, IN-GROUND ASSETS-ORE MINES, GOLD MINES, ETC. MILLS, ENERGY PROJECTS-WIND FARMS, ETHANOL PLANTS, BIO DIESEL, RENEWABLE ENERGY, CASINO S, MARINAS, RESORTS, MULTIFAMILY, APARTMENTS, MIXED-USE, HOTELS, ANY PROJECT THAT GENERATES PROFIT IS CONSIDERED JV REQUIREMENTS The Direct Lender receives 25% of the project and takes a hands-off management approach. Note: The 25% position is final and will not be higher even if there is risk involved. This is a project based loan, not borrower based, and the joint venture funds 100% of cost. The investor/developer must be an experienced. TERMS Interest rates range from 5% down to 3.5% depending on type project or improved purchase. Typical term is 20 years with 20 to 30 year amortization. No interest and no payments until the project show profit. Straight acquisitions on improved property will be deferred for first 12 months only with no interest accrued. JV is 75/25 split ownership with 25% to lender only after profits have been generated. Interest rates vary and are subject to change without notice. Actual rate is provided with preapproval. SUBMISSION PROCEDURES NAME OF PROJECT IN SUBJECT HEADING Detailed Executive Summary or Business Plan provided by potential borrower based on their project (NO BROKER LOGO FORMS) Draw Schedule provided by borrower formatting how funds should be paid out if applicable. Page 2 of 6
3 Proof of Funds for downpayment in bank account or project account. Bank statement showing liquid funds available of 1% to 10%. See Downpayment Required section below for proper amount required. Attorney/Title Escrow accounts are not acceptable. The funds cannot be leased or blocked funds. These funds must be liquid in the principal s name or project name. PROOF OF FUNDS can be a sanitized Bank Statement or Tear Sheet dated within 72 hours of submission. (White-out or Black-out account numbers) Or Standard 2 Banker-Signed Letter on Bank letterhead dated within 72 hours of submission.. DOWNPAYMENT REQUIRED Minimum $5 Million to $15 Million 10% Minimum $15 Million to $30 Million 5% Minimum $30 Million to $50 Million 2.5% Minimum $50 Million to $100 Million 1.5% Minimum $100 Million to $500 Million+ 1% > 30 YEAR AMORTIZATION > A-D CREDIT OK > NO PRE PAYMENT PENALITY > NO INTEREST & NO PAYMENTS UNTIL PROJECT STARTS TO PROFIT > ALL PROJECTS AND INDUSTRIES CONSIDERED > 1 YEAR PAYMENT AND INTEREST DEFERRED FOR STRAIGHT ACQUISITION > PAYMENTS ARE MADE ANNUALLY Funding typical 45 days approx. for construction and 60 days for acquisition. Funds dispersed from Lender to Escrow Company of your choice. DOES IT MAKE SENSE? From the lender perspective there are two criteria to consider when applying for and managing a loan that is so highly leveraged. Page 3 of 6
4 First a project that makes sound financial sense. Second is Lenders Mortgage Insurance available for the project? LENDERS MORTAGE INSURANCE (LMI) When you borrow more than 80% of the value of a property, the Lender considers this to be a risk. If you don't make your payments and the property market takes a tumble, the Lender may be forced to sell your property for less than the loan amount. This would be a loss for them. It s a well known fact that Lenders in other countries are very profitable. They are very well run businesses and very rarely would they accept a loss. So when you take out a loan which is over 80% of the value of the property, the Lender takes out an insurance policy which protects them in the event they sustain a loss on your property if repossession is necessary. The cost for the insurance that protects the private lender is paid for by the buyer. This cost varies depending upon the loan amount required. (Insurance cost is the relative downpayment amount listed in the Downpayment Required section above) The cost of insurance is not sent to the lender until after a loan commitment is issued. Additionally, the cost of the insurance is refunded at closing. This may sound confusing but rest assured it happens. You will receive a detailed explanation regarding how this occurs when you speak to the Lender Intermediary. With a solid, sensible project and the insurance binder to protect against loss being available it becomes a very attractive transaction to the lender. Introduction fee - $4,000 ASSOCIATED COSTS Service fee determined at time of verbal preapproval. Amount varies based upon project complexity. Refundable only if loan commitment is not issued through no fault of client. Downpayment 10% to 1% of loan amount. See above DOWNPAYMENT REQUIRED section. Page 4 of 6
5 SUBMISSION PACKAGE REQUIREMENTS All items must be submitted in PDF Format. Each Item must be in PDF Format separated from the other items Each item must be labeled properly identifying the item. (If a lender has to go searching for items that are not labeled properly, file will be denied and deleted. There are absolutely no exceptions. All items must be submitted by only. No fax transmission accepted. Submission must contain all the required Items below as attachments in ONE . We do not accept multiple s for one submission. 1. Detailed Executive Summary OR Business Plan. If construction or rehab project must include draw schedule. Be sure to include exit strategy. (The ES/BP should precise and thorough. It s the document that will be reviewed for approval or denial of your submission). 2. Proof of Funds must be liquid and dated within 5 days of submission. 3. Process Acknowledgement Form (must be signed and dated by Client) Submit all the above to your program representative. CRITICAL INCOMPLETE PACKAGES ARE NOT REVIEWED AND ARE DELETED UPON RECEIPT Upon receipt of complete package it will be carefully examined and submitted to appropriate lender. Time frame for approval or denial is typically 3 to 4 business days from receipt of conforming package. Your representative will be verbally notified of decision and you will be notified. If approved and you want to move forward your representative will provide further guidance. Page 5 of 6
6 IMPORTANT NOTICE: This is an unofficial response to your request for information and/or a private, proprietary and confidential communication and is for information purposes only. This is not a solicitation of investment funds or a securities offering. DISCLAIMER: Information provider (Company herein after) is Not a Certified Financial Advisor, Investment Advisor, Securities Broker, and/or Stock Broker, We are an Introduction Service Company who provide introductory, processing and coordination services to individuals on or about business or financial matters and makes no warranties or representations as to the Client, Private Lender, Public Lender, Commercial Lender, Bank or Transaction. Fee for providing introduction service to Client is completely non-refundable and is not a fee for loan procurement. All due diligence is the responsibility of the Client and Lender. This is not an offer to buy from or contents to lend or fund. This is not an offer to buy or sell securities. No advice is provided regarding the purchase or sale of securities. No financial planning, tax, insurance, or estate planning advice is implied or warranted. Please consult with a licensed professional for questions pertaining to any of these areas. Company has various private finance lenders available. Products, pricing and guidelines are subject to change without notice. Use of this information implies that you have read and agree with the disclosures and privacy statement. The information presented on this form is never to be considered a solicitation for any purpose in any form or contents. We do not provide Lending, Funding, Investments, Taxes or Legal Advice. The Recipient acknowledges this Disclaimer. If acknowledgment is not accepted, it must be stated "not accepted" in a replied from client. I/We further hold Company nor any of its employees or agents cannot be and shall not be, under any circumstances, held liable or responsible for any losses or damages. We make no expressed or implied warranties or representations I/We further hold Company harmless of any misrepresentation on the financing application and/or other documents, and/or misrepresentation from client or lenders. These Confidential communications are protected under Gramm-Leach-Bailey Act 15 USC, Subchapter 1, sections and other laws addressing the disclosure of Non-Public Personal Information. Upon receipt of this document, the Recipient acknowledges this Disclaimer. If acknowledgment is not accepted, Recipient must return any and all documents in their original condition to provider. Page 6 of 6
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