rimau
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We are seeking Loan Collateral Providers who can help our clients with credit enhancement requirements established by lenders. We are NOT seeking discount paper sellers. We are particularly interested in establishing long term relationship with individuals and entities that would provide collateral and whom are active in Bank Instrument trading so that they may experience the full benefits of our relationship.
You'll find our proposal to be an "EVERYBODY WINS" proposition for all involved in the transaction. Our clients provide the viable projects, the Collateral Investor provides the collateral and the lender provides the funding. And we make sure that all the participants get on and remain on the same page to beyond the closing.
Our unique program, which is designed to provide funds to viable projects worldwide and rapid high returns to our Collateral providers, presents a ZERO risk to the Collateral investor, plus guarantees an over 100% return everytime. An investor could potentially profit from this kind of transaction 52 times a year, that's once every week of the year. Providing that there were consistant projects available to be funded. Which I'm confident would be no problem.
The program requires the borrower to have a viable project, which the cash flow will support interest payments since only the principal is guaranteed by the CD or other "Bank Instrument" (i.e. T-Bills). He/She will has the option of bringing their own lender into the transactionl, whom could be anywhere in the world, or they could use from one of our selected lenders.
The Lender could be a bank or an investment source such as Merrill Lynch , Charles Schwab, Morgan Stanley Dean Witter, Legg Mason, etc., whom would generally be more familiar with this particular kind of transaction. Below is a full discription of the program (as presented to our borrowers) with highlights of the many safeguards and benefits:
PROGRAM PROCEDURE
The Collateral Provider/Investor will deposit the "Bank Instrument" purchase funds into an escrow account (subject to the acceptance of the receiving banker). All funds are brought into the depository escrow via the international banking wire system i.e. S.W.I.F.T being Legal, Clean and Cleared funds (bank to bank). The necessary references and availability documentation will be provided by the Collateral Provider prior to closing at the appropriate time.
The Collateral Provider will purchase theSpecially Structured "CD" or other investment instrument (i.e. T-Bills) from your accepted Bank, or if your bank is not a known Bank, the purchase will be made from your bank's up-line bank or a bank that we select.
This "INVESTMENT INSTRUMENT" will have two separate parts:
The principal only part (P.O.) or (corpus), and
The interest only part (I.O.) or (coupons).
Both parts are legally negotiable and assignable. This is what makes this "INVESTMENT INSTRUMENT" different from the typical market driven "INVESTMENT INSTRUMENT".
This special "INVESTMENT INSTRUMENT" is then assigned to the project by The Collateral Provider.
Next, the project will pledge the "INVESTMENT INSTRUMENT" to the lending institution to guarantee & repatriate the principal loan amount.
The Lending Bank will make a loan to the project up to 100% of the face amount of the "INVESTMENT INSTRUMENT".
EXAMPLE LOAN STRUCTURE (Actual LTV May Vary)
Assuming your project needs a US$50,000,000 loan.
We will increase that amount by about 114% + 6% commission which will equal US$114,000,000 +/-.
The Collateral Provider will buy a 10-year "Special Certificate of Deposit" (CD) or other acceptable "INVESTMENT INSTRUMENT" from your banker for that amount (US$114,000,000) with a return (yield) of 7% per annum.
The Collateral Provider will assign the body of the "INVESTMENT INSTRUMENT" to you to pledge to the bank for your loan i.e. you will offer this "INVESTMENT INSTRUMENT" or instrument as the collateral for a loan of an equal amount of the face value i.e. US$114,000,000.
This loan -being fully collateralized by the bank's own "INVESTMENT INSTRUMENT" or instrument- will be a 8% interest payments only loan.
At closing, the loan proceeds (US$114,000,000) will be distributed as follows:
50% (US$57,000,000) back to The Collateral Provider in consideration for the transfer of the title of the "INVESTMENT INSTRUMENT" (the principal only portion) to the project which in turn you will pledge back to the Lending Bank as the collateral for your loan.
6% (US$6,840,000) total fees and commissions.
US$50,160,000 for the Project.
Note (1. The lender bank has to only approve the project for funding subject to the guarantee of principal. Thus what the lending bank and the borrower agree as to what interest rate the borrower will pay for his loan is between the lender and the borrower.
2. What the investor/depositor (collateral provider) and the lender agree on for the interest rate on the INVESTMENT INSTRUMENT is between the bank and the investor. So whether the INVESTMENT INSTRUMENT rate is 5% or 8%, the depositor is capable of handling this.)
BENEFITS TO INVESTOR
At closing, the The Collateral Provider will recover his capital plus 1-2% profit in this manner:
50% back to him from the face value of the loan amount.
The Collateral Provider will sell the "INVESTMENT INSTRUMENT" coupon portion in the Discounted Notes Market for say 75% of its "future value", this is called the "present value" of the note or the coupon. The Collateral Provider will handle the full procedure of the sale of the coupon to the secondary market through his own contacts and brokers.
The future value of the coupon portion for the US$50,000,000 example above =
US$114,000,000 X 7% a years X 10 years = US$79,800,000
The total of the 50% of the loan amount and the sale of the note (coupon) must equal a minimum of 101% of the capital used to purchase the "INVESTMENT INSTRUMENT", thus The Collateral Provider will make at least 1% on his capital on that day completely Risk Free. When The Fund Provider does this once a week for 50 weeks a year, he will make 50% profit a year, totally Risk Free.
3% commission on the whole amount of the transaction (included in the 6% fees).
BENEFITS TO LENDING BANK
The Lending Bank:
Makes a fully collateralized loan.
Is guaranteed the payment of the loan principal with its own "INVESTMENT INSTRUMENT" at maturity.
Can be in an absolute "NO LOSE" position. Is making 1% per annum on the total loan amount of US$114,000,000 , that is US$1,140,000 a year for the next 10 years for a total of US$11,400,000 . This is the margin between the 7% yearly yield on the Special "INVESTMENT INSTRUMENT" that the bank pays out and the 8% interest per annum that the bank charges for the interest on the loan. Notice that the bank does not put up any money for the loan yet making 10% on it.
Is making a 100% secured loan.
Has the power to supervise the project's operation to establish its legality and the legality of the entire transaction.
May have additional security from the project e.g land, property, corp. shares etc
BENEFITS TO PROJECT
Fast Closing. Normally the negotiations between the bank and The Collateral Provider to reach the comfort level of the bank, by modifying some of the terms and/or the final figures, take 2-3 days and the closing is achieved on the 4th day.
You only have to service the interest on the loan.
PROCEDURE
1) Present your project's Executive Summary or Business Plan to your bank or a bank of your choice. The Bank must be a "A" rated or better bank, or has an up-line major prime bank that will close for it.
2) Ask the banker to review it and see if a loan can be arranged for your project.
3) If the bank rejects your loan application for whatever reason, ask the banker the following question or similar:
"Would you consider arranging the loan for my project if I provide 100% CASH collateral to the bank for this transaction?".
4) If the banker indicates that he would be interested, explain to the banker our offer.
5) When the banker informs you of his ongoing interest, we will communicate with him directly.
6) Following our presentation and his due diligence, we will meet with your banker and the closing of your loan should take place. The Collateral Provider's clean and clear funds will be wire-transferred from his major bank to your bank and from your bank to your project.
COST
There are no up front costs or fees
6% fees and commission will be added and charged at closing
http://www.bradynet.com/bbs/easteurope/100078-0.html
We are seeking Loan Collateral Providers who can help our clients with credit enhancement requirements established by lenders. We are NOT seeking discount paper sellers. We are particularly interested in establishing long term relationship with individuals and entities that would provide collateral and whom are active in Bank Instrument trading so that they may experience the full benefits of our relationship.
You'll find our proposal to be an "EVERYBODY WINS" proposition for all involved in the transaction. Our clients provide the viable projects, the Collateral Investor provides the collateral and the lender provides the funding. And we make sure that all the participants get on and remain on the same page to beyond the closing.
Our unique program, which is designed to provide funds to viable projects worldwide and rapid high returns to our Collateral providers, presents a ZERO risk to the Collateral investor, plus guarantees an over 100% return everytime. An investor could potentially profit from this kind of transaction 52 times a year, that's once every week of the year. Providing that there were consistant projects available to be funded. Which I'm confident would be no problem.
The program requires the borrower to have a viable project, which the cash flow will support interest payments since only the principal is guaranteed by the CD or other "Bank Instrument" (i.e. T-Bills). He/She will has the option of bringing their own lender into the transactionl, whom could be anywhere in the world, or they could use from one of our selected lenders.
The Lender could be a bank or an investment source such as Merrill Lynch , Charles Schwab, Morgan Stanley Dean Witter, Legg Mason, etc., whom would generally be more familiar with this particular kind of transaction. Below is a full discription of the program (as presented to our borrowers) with highlights of the many safeguards and benefits:
PROGRAM PROCEDURE
The Collateral Provider/Investor will deposit the "Bank Instrument" purchase funds into an escrow account (subject to the acceptance of the receiving banker). All funds are brought into the depository escrow via the international banking wire system i.e. S.W.I.F.T being Legal, Clean and Cleared funds (bank to bank). The necessary references and availability documentation will be provided by the Collateral Provider prior to closing at the appropriate time.
The Collateral Provider will purchase theSpecially Structured "CD" or other investment instrument (i.e. T-Bills) from your accepted Bank, or if your bank is not a known Bank, the purchase will be made from your bank's up-line bank or a bank that we select.
This "INVESTMENT INSTRUMENT" will have two separate parts:
The principal only part (P.O.) or (corpus), and
The interest only part (I.O.) or (coupons).
Both parts are legally negotiable and assignable. This is what makes this "INVESTMENT INSTRUMENT" different from the typical market driven "INVESTMENT INSTRUMENT".
This special "INVESTMENT INSTRUMENT" is then assigned to the project by The Collateral Provider.
Next, the project will pledge the "INVESTMENT INSTRUMENT" to the lending institution to guarantee & repatriate the principal loan amount.
The Lending Bank will make a loan to the project up to 100% of the face amount of the "INVESTMENT INSTRUMENT".
EXAMPLE LOAN STRUCTURE (Actual LTV May Vary)
Assuming your project needs a US$50,000,000 loan.
We will increase that amount by about 114% + 6% commission which will equal US$114,000,000 +/-.
The Collateral Provider will buy a 10-year "Special Certificate of Deposit" (CD) or other acceptable "INVESTMENT INSTRUMENT" from your banker for that amount (US$114,000,000) with a return (yield) of 7% per annum.
The Collateral Provider will assign the body of the "INVESTMENT INSTRUMENT" to you to pledge to the bank for your loan i.e. you will offer this "INVESTMENT INSTRUMENT" or instrument as the collateral for a loan of an equal amount of the face value i.e. US$114,000,000.
This loan -being fully collateralized by the bank's own "INVESTMENT INSTRUMENT" or instrument- will be a 8% interest payments only loan.
At closing, the loan proceeds (US$114,000,000) will be distributed as follows:
50% (US$57,000,000) back to The Collateral Provider in consideration for the transfer of the title of the "INVESTMENT INSTRUMENT" (the principal only portion) to the project which in turn you will pledge back to the Lending Bank as the collateral for your loan.
6% (US$6,840,000) total fees and commissions.
US$50,160,000 for the Project.
Note (1. The lender bank has to only approve the project for funding subject to the guarantee of principal. Thus what the lending bank and the borrower agree as to what interest rate the borrower will pay for his loan is between the lender and the borrower.
2. What the investor/depositor (collateral provider) and the lender agree on for the interest rate on the INVESTMENT INSTRUMENT is between the bank and the investor. So whether the INVESTMENT INSTRUMENT rate is 5% or 8%, the depositor is capable of handling this.)
BENEFITS TO INVESTOR
At closing, the The Collateral Provider will recover his capital plus 1-2% profit in this manner:
50% back to him from the face value of the loan amount.
The Collateral Provider will sell the "INVESTMENT INSTRUMENT" coupon portion in the Discounted Notes Market for say 75% of its "future value", this is called the "present value" of the note or the coupon. The Collateral Provider will handle the full procedure of the sale of the coupon to the secondary market through his own contacts and brokers.
The future value of the coupon portion for the US$50,000,000 example above =
US$114,000,000 X 7% a years X 10 years = US$79,800,000
The total of the 50% of the loan amount and the sale of the note (coupon) must equal a minimum of 101% of the capital used to purchase the "INVESTMENT INSTRUMENT", thus The Collateral Provider will make at least 1% on his capital on that day completely Risk Free. When The Fund Provider does this once a week for 50 weeks a year, he will make 50% profit a year, totally Risk Free.
3% commission on the whole amount of the transaction (included in the 6% fees).
BENEFITS TO LENDING BANK
The Lending Bank:
Makes a fully collateralized loan.
Is guaranteed the payment of the loan principal with its own "INVESTMENT INSTRUMENT" at maturity.
Can be in an absolute "NO LOSE" position. Is making 1% per annum on the total loan amount of US$114,000,000 , that is US$1,140,000 a year for the next 10 years for a total of US$11,400,000 . This is the margin between the 7% yearly yield on the Special "INVESTMENT INSTRUMENT" that the bank pays out and the 8% interest per annum that the bank charges for the interest on the loan. Notice that the bank does not put up any money for the loan yet making 10% on it.
Is making a 100% secured loan.
Has the power to supervise the project's operation to establish its legality and the legality of the entire transaction.
May have additional security from the project e.g land, property, corp. shares etc
BENEFITS TO PROJECT
Fast Closing. Normally the negotiations between the bank and The Collateral Provider to reach the comfort level of the bank, by modifying some of the terms and/or the final figures, take 2-3 days and the closing is achieved on the 4th day.
You only have to service the interest on the loan.
PROCEDURE
1) Present your project's Executive Summary or Business Plan to your bank or a bank of your choice. The Bank must be a "A" rated or better bank, or has an up-line major prime bank that will close for it.
2) Ask the banker to review it and see if a loan can be arranged for your project.
3) If the bank rejects your loan application for whatever reason, ask the banker the following question or similar:
"Would you consider arranging the loan for my project if I provide 100% CASH collateral to the bank for this transaction?".
4) If the banker indicates that he would be interested, explain to the banker our offer.
5) When the banker informs you of his ongoing interest, we will communicate with him directly.
6) Following our presentation and his due diligence, we will meet with your banker and the closing of your loan should take place. The Collateral Provider's clean and clear funds will be wire-transferred from his major bank to your bank and from your bank to your project.
COST
There are no up front costs or fees
6% fees and commission will be added and charged at closing
http://www.bradynet.com/bbs/easteurope/100078-0.html
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