What types of loans do WE offer?

The Types of Loans We Offer Are

 Microloans, Small businesses, Loans to Nonprofits, Business Loans, Low Income, Housing Large-Scale Debt Small, Balance DIP (Debtor in Possession) Apt. Equity Participation Non-Recourse for Multi Family & Assisted Living Commercial Bridge/Hard Money Mezzanine Programs Income Producing Property Commercial Land Development Stock Loans Seed Capital Joint Venture (JV) Equity Debt Consolidation Land and Construction Real  Estate  acquisitions and development SBA 504 Loans (Equipment & Buildings)

What is the minimum and maximum amount of Lending?

Lending rate starts from $50,000 - $3,000,000 (For Individuals and Small Medium Enterprises) and up to a maximum of $30,000,000.00 higher dollar amounts also available on case-by-case basis (For Macro Real Estate Investments, and Companies).

Who May Qualify?

Owners of established businesses and individuals with urgent financial needs to settle or who want to start their own business.

You may qualify if you:

·         Have a reasonable business plan yielding good income returns

·         Can demonstrate your ability to repay the loan

·         Can offer acceptable security provision for the loan

·         Do WE offer grants to small businesses or start-up businesses?

·         We do not offer grants; all our loans must be repaid.


What are the typical loan terms, interest rates, and repayment plans?

Our private lending team offers flexible payment schedules, and we review each loan application on a case-by-case basis.

Our typical loan rates and terms are:

             Rates start out as low as 4%, Fees as low as 1 to 3% on most deals (Standard)

             Up to 10 Year Terms, 95% LTV, 2nd's allowed, Cash-Out Ok

             Loan amounts as low as $50K to $10.0 Million and Higher on Case-By-Case Basis

             •  No Appraisal Necessary

             Close in 1 week or less, All Commercial Property Types including

             Gas Stations and Agriculture

             Rural Locations OK, Bad Credit not a issue, Properties in Foreclosure Ok, Asset Based Lender

             Land Loans available worldwide

             SFR and Commercial Construction, Rehab Loans Available only in US, Canada, Australia, Asia, Africa Continent, United Kingdom, South America & North American


How do I get started?

You will need to fill out our Application Form to get started.


How long does it take to get a loan?

The length of the loan process varies, based on when we received the appropriate documentation for your loan approval and subsequently disbursing the loan funds to you. Typically, it takes just 2/7 business days to process and close your loan and not more than 15 business days’ maximum.

What if I want to pay more than my monthly payment? Pay off my loan early?

There is no penalty for either.

Are there any upfront fees?

Typical Fees and Charges

This will be costs to originate and closing of the loan which is calculated in a fixed percentage rate  of the required loan amount you are seeking. This cost is handled out the loan and it is subjected to borrower. The costs will cover a variety of items paid by your private money lender, including

Points — essentially compensation to the private money lender for originating the loan. Referral Fee – Sometimes covered within the points, but used to compensate others who may have referred you to the lender.

Underwriting, Processing, Document Preparation or Other Fees – Paid to the private investors, by the lender who originates the private money loans, or to outside third

Parties to create the loan. In private money transactions, the loan documents are more unique than in a bank transaction which is why you should expect these costs to be a bit higher than traditional bank loan costs.

Interim Costs

Throughout the loan, you will have costs such as:

Interest – Paid to the private investor on the loan at a prescribed rate for the use of the money.

Amortization – The repayment schedule of principal over the term of private money loans, if any.

Late Fees – Penalty incurred if there is a late payment.

Taxes and Insurance – Sometimes paid into an impound account, sometimes paid by you directly.

Advances – When private money loans are delinquent, the lender may advance against the loan for appraisals, unpaid taxes, foreclosure fees or legal fees.

What sort of supporting documents do you required to be sent?                                                                                   

The above example shows desirable DTI, however, a higher DTI is acceptable. In fact, lenders might consider a 44% DTI, assuming a perfect credit record and other variables. But what if your DTI is higher than 44%?

Luckily, you still have options. Here is what you can do:

  1. Typical Loan Approval Processing Documents:



    Either of  the following  identity can be  accepted: International Passport, Salary structure or proof of income to show REPAYMENT is not a problem. Driver's License, Company ID or any Government issued valid ID.


                 Either of these utility Bills can be accepted: Electricity, Gas, Water, Waste, or Tax Receipts.


    A Business Plan / Proposal to show how the money will be utilized and regenerated from your business or project to repay back the Loan + Interest

    This term sheet sets out the general guidelines of the loan program, and it is designed as an aid to prospective borrowers, or other clients. This term sheet does not represent or imply a contract or an offer to lend funds. An offer to lend funds may only be made by written commitment letter issued by the Lender to a prospective Borrower. This term sheet is subject to change at any time without notice at sole discretion of the Lender. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend.

    Building One-On-One Relationships®

    We sincerely trust you will be satisfied with the terms, rates and conditions of our loan programs. Should you have any questions you would like to ask so as to know, feel free and do not hesitate to do so in order to give you a clear clarification.

    Thank you for your anticipated patronage and cooperation.


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