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What is Bank Guarantee and How to monetize it?

Bank Guarantee (BG) is a concept in which a client may customarily ask a business owner or an entity to provide financial guarantee from a third party such as a bank or any other lending institution.

It ensures that in case a debtor fails to settle a debt, the bank covers the debt on behalf of the debtor. Or in other words, bank guarantee is an instrument to safeguard the interests of both the parties coming into a mutual commercial contract. Guarantee from a lending institution protects the client from any loss that might be incurred if the beneficiary defaults in a contract. On the other hand, it allows the beneficiary to expand business activities by securing a credit line on behalf of the bank guarantee.

To buy bank guarantee, all you need to do is to visit a bank or any recognized lender and ask them to stand as a guarantor on your behalf. Of course, you would be required to present your business contract and other details. The bank may also ask you to furnish other financial details of yours. There are numerous institutions working which enable clients to buy bank guarantees without much hassle.

Another pragmatic and utilitarian aspect of bank guarantee is bank guarantee monetization. Monetizing bank guarantee signifies raising finance or a credit line against it. If you have bank guarantee or a letter of credit, you might be able to monetize it. For bank guarantee monetization and to raise finance against it, it is paramount that the bank guarantee has been specifically formulated for the purpose of raising finance. Bank guarantees framed for other purposes cannot be generally monetized or financed.

Monetizing Bank Guarantee liquidates the bank guarantee and uses them as reinforcement for cash. Almost any bank guarantee all over the world can be used to fund a project. Bank guarantee can be leased or it can be owned unrestrictedly.

There are innumerable bank guarantee monetization programs available all over the globe. The most important feature of a supreme bank guarantee monetization program is that it is highly pre-structured and transparent. Bank guarantee monetization is a high-risk involved task and it is extremely crucial to get it done accurately. Otherwise it can lead to being tricked and losing all the money. It is advised to consult any bank guarantee or bank guarantee monetization expert before moving forward to buy any bank guarantee from any institution or bank.

LOAN AND INVESTMENTS LIMITED is the leading experts in the industry of buying, selling, monetizing, funding or discounting bank guarantees. LOAN AND INVESTMENTS LIMITED helps you stay away from such road blocks and get your Bank Guarantee issued and monetized consistently and seamlessly. For more details please contact us with below details…

BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.
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What is Project finance?

Project finance is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors. Usually, a project financing structure involves a number of equity investors, known as ‘sponsors’, as well as a ‘syndicate’ of banks or other lending institutions that provide loans to the operation. They are most commonly non-recourse loans, which are secured by the project assets and paid entirely from project cash flow, rather than from the general assets or creditworthiness of the project sponsors, a decision in part supported by financial modeling. The financing is typically secured by all of the project assets, including the revenue-producing contracts. Project lenders are given a lien on all of these assets and are able to assume control of a project if the project company has difficulties complying with the loan terms.

From investopedia : The financing of long-term infrastructure, industrial projects and public services based upon a non-recourse or limited recourse financial structure where project debt and equity used to finance the project are paid back from the cashflow generated by the project.


Generally, a special purpose entity is created for each project, thereby shielding other assets owned by a project sponsor from the detrimental effects of a project failure. As a special purpose entity, the project company has no assets other than the project. Capital contribution commitments by the owners of the project company are sometimes necessary to ensure that the project is financially sound or to assure the lenders of the sponsors’ commitment. Project finance is often more complicated than alternative financing methods. Traditionally, project financing has been most commonly used in the extractive (mining), transportation, telecommunications industries as well as sports and entertainment venues.

Risk identification and allocation is a key component of project finance. A project may be subject to a number of technical, environmental, economic and political risks, particularly in developing countries and emerging markets. Financial institutions and project sponsors may conclude that the risks inherent in project development and operation are unacceptable (unfinanceable). “Several long-term contracts such as construction, supply, off-take and concession agreements, along with a variety of joint-ownership structures are used to align incentives and deter opportunistic behaviour by any party involved in the project. The patterns of implementation are sometimes referred to as “project delivery methods.” The financing of these projects must be distributed among multiple parties, so as to distribute the risk associated with the project while simultaneously ensuring profits for each party involved.

A riskier or more expensive project may require limited recourse financing secured by a surety from sponsors. A complex project finance structure may incorporate corporate finance, securitization, options (derivatives), insurance provisions or other types of collateral enhancement to mitigate unallocated risk.

Project finance shares many characteristics with maritime finance and aircraft finance; however, the later two are more specialized fields within the area of asset finance.

History

Limited recourse lending was used to finance maritime voyages in ancient Greece and Rome. Its use in infrastructure projects dates to the development of the Panama Canal, and was widespread in the US oil and gas industry during the early 20th century. However, project finance for high-risk infrastructure schemes originated with the development of the North Sea oil fields in the 1970s and 1980s. Such projects were previously accomplished through utility or government bond issuances, or other traditional corporate finance structures.

Project financing in the developing world peaked around the time of the Asian financial crisis, but the subsequent downturn in industrializing countries was offset by growth in the OECD countries, causing worldwide project financing to peak around 2000. The need for project financing remains high throughout the world as more countries require increasing supplies of public utilities and infrastructure. In recent years, project finance schemes have become increasingly common in the Middle East, some incorporating Islamic finance.

The new project finance structures emerged primarily in response to the opportunity presented by long term power purchase contracts available from utilities and government entities. These long term revenue streams were required by rules implementing PURPA, the Policy resulted in further deregulation of electric generation and, significantly, international privatization following amendments to the Public Utilities Holding Company Act in 1994. The structure has evolved and forms the basis for energy and other projects throughout the world.

Parties to a project financing

There are several parties in a project financing depending on the type and the scale of a project. The most usual parties to a project financing are;

  1. Sponsor
  2. Lenders
  3. Financial Advisors
  4. Technical Advisors
  5. Legal Advisors
  6. Debt Financiers
  7. Equity Investors
  8. Regulatory Agencies
  9. Multilateral Agencies

Project development

 

Project development is the process of preparing a new project for commercial operations. The process can be divided into three distinct phases:

  • Pre-bid stage
  • Contract negotiation stage
  • Money-raising stage

Financial model

A financial model is constructed by the sponsor as a tool to conduct negotiations with the sponsor and prepare a project appraisal report. It is usually a computer spreadsheet designed to process a comprehensive list of input assumptions and to provide outputs that reflect the anticipated real life interaction between data and calculated values for a particular project.

Properly designed, the financial model is capable of sensitivity analysis, i.e. calculating new outputs based on a range of data variations.

Contractual framework

The typical project finance documentation can be reconducted to four main types:

  • Shareholder/sponsor documents
  • Project documents
  • Finance documents
  • Other project documents

Engineering, procurement and construction contract

The most common project finance construction contract is the engineering, procurement and construction (EPC) contract. An EPC contract generally provides for the obligation of the contractor to build and deliver the project facilities on a turnkey basis, i.e., at a certain pre-determined fixed price, by a certain date, in accordance with certain specifications, and with certain performance warranties. The EPC contract is quite complicated in terms of legal issue, therefore the project company and the EPC contractor need sufficient experience and knowledge of the nature of project to avoid their faults and minimize the risks during contract execution.

An EPC contract differs from a turnkey contract in that, under a turnkey contract, all aspects of construction are included from design to engineering, procurement and construction whereas in the EPC contract the design aspect is not included. Alternative forms of construction contract are a project management approach and alliance contracting. Basic contents of an EPC contract are:

  • Description of the project
  • Price
  • Payment
  • Completion date
  • Completion guarantee and Liquidated Damages (LDs):
  • Performance guarantee and LDs
  • Cap under LDs

Operation and maintenance agreement

An operation and maintenance (O&M) agreement is an agreement between the project company and the operator. The project company delegates the operation, maintenance and often performance management of the project to a reputable operator with expertise in the industry under the terms of the O&M agreement. The operator could be one of the sponsors of the project company or third-party operator. In other cases the project company may carry out by itself the operation and maintenance of the project and may eventually arrange for the technical assistance of an experienced company under a technical assistance agreement. Basic contents of an O&M contract are:

  • Definition of the service
  • Operator responsibility
  • Provision regarding the services rendered
  • Liquidated damages
  • Fee provisions

Concession deed

An agreement between the project company and a public-sector entity (the contracting authority) is called a concession deed. The concession agreement concedes the use of a government asset (such as a plot of land or river crossing) to the project company for a specified period. A concession deed would be found in most projects which involve government such as in infrastructure projects. The concession agreement may be signed by a national/regional government, a municipality, or a special purpose entity set up by the state to grant the concession. Examples of concession agreements include contracts for the following:

  • A toll-road or tunnel for which the concession agreement giving a right to collect tolls/fares from the public or where payments are made by the contracting authority based on usage by the public.
  • A transportation system (e.g., a railway / metro) for which the public pays fares to a private company)
  • Utility projects where payments are made by a municipality or by end-users.
  • Ports and airports where payments are usually made by airlines or shipping companies.
  • Other public sector projects such as schools, hospitals, government buildings, where payments are made by the contracting authority.

Shareholders Agreement

The shareholders agreement (SHA) is an agreement between the project sponsors to form a special purpose company (SPC) in relation to the project development. This is the most basic of structures held by the sponsors in a project finance transaction. This is an agreement between the sponsors and deals with:

  • Injection of share capital
  • Voting requirements
  • Resolution of force one
  • Dividend policy
  • Management of the SPC
  • Disposal and pre-emption rights

Off-take agreement

An off-take agreement is an agreement between the project company and the offtaker (the party who is buying the product / service that the project produces / delivers). In a project financing the revenue is often contracted (rather than being sold on a merchant basis). The off-take agreement governs mechanism of price and volume which make up revenue. The intention of this agreement is to provide the project company with stable and sufficient revenue to pay its project debt obligation, cover the operating costs and provide certain required return to the sponsors.

The main off-take agreements are:

  • Take-or-pay contract: under this contract the off-taker – on an agreed price basis – is obligated to pay for product on a regular basis whether or not the off-taker actually takes the product.
  • Power purchase agreement: commonly used in power projects in emerging markets. The purchasing entity is usually a government entity.
  • Take-and-pay contract: the off-taker only pays for the product taken on an agreed price basis.
  • Long-term sales contract: the off-taker agrees to take agreed-upon quantities of the product from the project. The price is however paid based on market prices at the time of purchase or an agreed market index, subject to certain floor (minimum) price. Commonly used in mining, oil and gas, and petrochemical projects where the project company wants to ensure that its product can easily be sold in international markets, but off-takers not willing to take the price risk
  • Hedging contract: found in the commodity markets such as in an oilfield project.
  • Contract for Differences: the project company sells its product into the market and not to the off-taker or hedging counterpart. If however the market price is below an agreed level, the offtaker pays the difference to the project company, and vice versa if it is above an agreed level.
  • Throughput contract: a user of the pipeline agrees to use it to carry not less than a certain volume of product and to pay a minimum price for this.

Supply agreement

A supply agreement is between the project company and the supplier of the required feedstock / fuel.

If a project company has an off-take contract, the supply contract is usually structured to match the general terms of the off-take contract such as the length of the contract, force majeure provisions, etc. The volume of input supplies required by the project company is usually linked to the project’s output. Example under a PPA the power purchaser who does not require power can ask the project to shut down the power plant and continue to pay the capacity payment – in such case the project company needs to ensure its obligations to buy fuel can be reduced in parallel. The degree of commitment by the supplier can vary.

The main supply agreements are:

1. Fixed or variable supply: the supplier agrees to provide a fixed quantity of supplies to the project company on an agreed schedule, or a variable supply between an agreed maximum and minimum. The supply may be under a take-or-pay or take-and-pay.

2.Output / reserve dedication: the supplier dedicates the entire output from a specific source, e.g., a coal mine, its own plant. However the supplier may have no obligation to produce any output unless agreed otherwise. The supply can also be under a take-or-pay or take-and-pay

3.Interruptible supply: some supplies such as gas are offered on a lower-cost interruptible basis – often via a pipeline also supplying other users.

4.Tolling contract: the supplier has no commitment to supply at all, and may choose not to do so if the supplies can be used more profitably elsewhere. However the availability charge must be paid to the project company.

Loan agreement

A loan agreement is made between the project company (borrower) and the lenders. Loan agreement governs relationship between the lenders and the borrowers. It determines the basis on which the loan can be drawn and repaid, and contains the usual provisions found in a corporate loan agreement. It also contains the additional clauses to cover specific requirements of the project and project documents.

Basic terms of a loan agreement include the following provisions.

  • General conditions precedent
  • Conditions precedent to each drawdown
  • Availability period, during which the borrower is obliged to pay a commitment fee
  • Drawdown mechanics
  • An interest clause, charged at a margin over base rate
  • A repayment clause
  • Financial covenants – calculation of key project metrics / ratios and covenants
  • Dividend restrictions
  • Representations and warranties
  • The illegality clause

Intercreditor agreement

Intercreditor agreement is agreed between the main creditors of the project company. This is the agreement between the main creditors in connection with the project financing. The main creditors often enter into the Intercreditor Agreement to govern the common terms and relationships among the lenders in respect of the borrower’s obligations.

Intercreditor agreement will specify provisions including the following.

  • Common terms
  • Order of drawdown
  • Cashflow waterfall
  • Limitation on ability of creditors to vary their rights
  • Voting rights
  • Notification of defaults
  • Order of applying the proceeds of debt recovery
  • If there is a mezzanine funding component, the terms of subordination and other principles to apply as between the senior debt providers and the mezzanine debt providers.

Tripartite deed

The financiers will usually require that a direct relationship between itself and the counterparty to that contract be established which is achieved through the use of a tripartite deed (sometimes called a consent deed, direct agreement or side agreement). The tripartite deed sets out the circumstances in which the financiers may “step in” under the project contracts in order to remedy any default.

A tripartite deed would normally contain the following provision.

  • Acknowledgement of security: confirmation by the contractor or relevant party that it consents to the financier taking security over the relevant project contracts.
  • Notice of default: obligation on the relevant project counterparty to notify the lenders directly of defaults by the project company under the relevant contract.
  • Step-in rights and extended periods: to ensure that the lenders will have sufficient notice /period to enable it to remedy any breach by the borrower.
  • Receivership: acknowledgement by the relevant party regarding the appointment of a receiver by the lenders under the relevant contract and that the receiver may continue the borrower’s performance under the contract
  • Sale of asset: terms and conditions upon which the lenders may transfer the borrower’s entitlements under the relevant contract.

Tripartite deed can give rise to difficult issues for negotiation but is a critical document in project financing.

Common Terms Agreement

An agreement between the financing parties and the project company which sets out the terms that are common to all the financing instruments and the relationship between them (including definitions, conditions, order of drawdowns, project accounts, voting powers for waivers and amendments). A common terms agreement greatly clarifies and simplifies the multi-sourcing of finance for a project and ensures that the parties have a common understanding of key definitions and critical events.

Terms Sheet

Agreement between the borrower and the lender for the cost, provision and repayment of debt. The term sheet outlines the key terms and conditions of the financing. The term sheet provides the basis for the lead arrangers to complete the credit approval to underwrite the debt, usually by signing the agreed term sheet. Generally the final term sheet is attached to the mandate letter and is used by the lead arrangers to syndicate the debt. The commitment by the lenders is usually subject to further detailed due diligence and negotiation of project agreements and finance documents including the security documents. The next phase in the financing is the negotiation of finance documents and the term sheet will eventually be replaced by the definitive finance documents when the project reaches financial close.

Basic scheme

Hypothetical project finance scheme

For example, the Acme Coal Co. imports coal. Energen Inc. supplies energy to consumers. The two companies agree to build a power plant to accomplish their respective goals. Typically, the first step would be to sign a memorandum of understanding to set out the intentions of the two parties. This would be followed by an agreement to form a joint venture.

Acme Coal and Energen form an SPC (Special Purpose Corporation) called Power Holdings Inc. and divide the shares between them according to their contributions. Acme Coal, being more established, contributes more capital and takes 70% of the shares. Energen is a smaller company and takes the remaining 30%. The new company has no assets.

Power Holdings then signs a construction contract with Acme Construction to build a power plant. Acme Construction is an affiliate of Acme Coal and the only company with the know-how to construct a power plant in accordance with Acme’s delivery specification.

A power plant can cost hundreds of millions of dollars. To pay Acme Construction, Power Holdings receives financing from a development bank and a commercial bank. These banks provide a guarantee to Acme Construction’s financier that the company can pay for the completion of construction. Payment for construction is generally paid as such: 10% up front, 10% midway through construction, 10% shortly before completion, and 70% upon transfer of title to Power Holdings, which becomes the owner of the power plant.

Acme Coal and Energen form Power Manage Inc., another SPC, to manage the facility. The ultimate purpose of the two SPCs (Power Holding and Power Manage) is primarily to protect Acme Coal and Energen. If a disaster happens at the plant, prospective plaintiffs cannot sue Acme Coal or Energen and target their assets because neither company owns or operates the plant.

A Sale and Purchase Agreement (SPA) between Power Manage and Acme Coal supplies raw materials to the power plant. Electricity is then delivered to Energen using a wholesale delivery contract. The cash flow of both Acme Coal and Energen from this transaction will be used to repay the financiers.

Complicating factors

The above is a simple explanation which does not cover the mining, shipping, and delivery contracts involved in importing the coal (which in itself could be more complex than the financing scheme), nor the contracts for delivering the power to consumers. In developing countries, it is not unusual for one or more government entities to be the primary consumers of the project, undertaking the “last mile distribution” to the consuming population. The relevant purchase agreements between the government agencies and the project may contain clauses guaranteeing a minimum offtake and thereby guarantee a certain level of revenues. In other sectors including road transportation, the government may toll the roads and collect the revenues, while providing a guaranteed annual sum (along with clearly specified upside and downside conditions) to the project. This serves to minimise or eliminate the risks associated with traffic demand for the project investors and the lenders.

Minority owners of a project may wish to use “off-balance-sheet” financing, in which they disclose their participation in the project as an investment, and excludes the debt from financial statements by disclosing it as a footnote related to the investment. In the United States, this eligibility is determined by the Financial Accounting Standards Board. Many projects in developing countries must also be covered with war risk insurance, which covers acts of hostile attack, derelict mines and torpedoes, and civil unrest which are not generally included in “standard” insurance policies. Today, some altered policies that include terrorism are called Terrorism Insurance or Political Risk Insurance. In many cases, an outside insurer will issue a performance bond to guarantee timely completion of the project by the contractor.

Publicly funded projects may also use additional financing methods such as tax increment financing or Private Finance Initiative (PFI). Such projects are often governed by a Capital Improvement Plan which adds certain auditing capabilities and restrictions to the process.

Project financing in transitional and emerging market countries are particularly risky because of cross-border issues such as political, currency and legal system risks. Therefore, mostly requires active facilitation by the government.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately.
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Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

Helping Bank Guarantee Brokers Bank Big Deals

Bank Guarantee Brokers…. If you want to earn big commissions work with a company like LOAN AND INVESTMENTS LTD that delivers without stories!

Too many brokers waste time and money chasing dreams of big deals with service providers that NEVER deliver and as a result they NEVER get paid and end up with NOTHING.

Rule #1 to getting paid on Big Deals, work with a company that performs!

LOAN AND INVESTMENTS LTD pays attractive commissions and ALWAYS protects Brokers.

We look forward to working with you!

Bank-Guarantee-Funding-Brokers1

New This is a lease monetization program! Min 10 million usdNon Recourse Funding

I have a proposal for you and/OR your clients which will NOT require you to purchase anything….and will return MILLIONS to you in 10-14 days!!!

This program is very similar to our previous program except you will make a lot more money!! The previous program is closed!!

Here is how it will work..

This is a lease monetization program!

This program will require you to show at least a $10 million proof of funds! This is the minimum amount I want to use….However..we may be able to use a $5 million POF and get a $50 million leased BG. Please contact me about this.

The MAX POF to show is $5 Billion!

You will become the client on this. Showing a $10 million POF will qualify you to lease a $100 million lease bank instrument. We will then have the instrument monetized at a 60-65% Loan to Value and receive a non-recourse loan. Then we will do a Joint Venture together. I will explain the numbers below!

The program will ask you to send a MT799 from your bank.  The funds will be verified but NEVER MOVED OR TOUCHED…..WHATSOEVER!!!!!!

The whole process will take about 10 – 14 days to complete.

I know the monetizer of the program..and I have selected the instrument provider to use..

Here is how the JV will work –

The leased instrument will cost 10% of the face value of the instrument. So a 10% POF has to be shown.

Example –

For a $100 million instrument –
The cost will be $10 million (POF Amount) – 10% of the face value.
$100 million Monetized at 60% loan to value – Equals $60 million
$60 million – minus

$10 million – 10% lease fee cost – minus
$5 million – 5% monetization fees –
Equals
$45 million – minus
$9 million – 20% JV fee for me and Brokers
$36 million – Net to You
**********************************************************************************************************
For a $500 million instrument –
The cost will be $50 million (POF Amount) – 10% of the face value.
$500 million Monetized at 60% loan to value – Equals $300 million
$300 million – minus

$50 million – 10% lease fee cost – minus
$25 million – 5% monetization fees –
Equals
$225 million – minus
$45 million – 20% JV fee for me and Brokers
$180 Million – Net To You

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

Project funding – No Collateral– Insurance Sealed – Funding, Fast Approval, Fast Cash Settlement

=========================================
Funding Offer Particulars: OFFER  – Only Limited Slots only available
=========================================
No Collateral ,  – Insurance  Sealed – Funding, Fast Approval , Fast Cash Settlement
========================================
Loan amount : Minimum 5M (Preferable)
Issuing place:Asia/Europe/America
Loan Tenure : 5 Years
Interest fee : 3% per annum
Project consulting fee: 5%
Approval Within (Historical days)  : Within 1-5 Banking days
Funds dispersed (Historical days)  : Within 3-10 Banking days
Repaying capital: at the end of 5 years . In the event of failure, Insurance shall cover the capital repayment.

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FOLLOWING IS THE  LIST OF STEPS FOR GETTING FUNDING APPROVAL  & RECEIVE FUNDS

STEP 1: Email the bank statement/tear sheet/ATV
Forward the cash funds holding company account’s bank statement/tear sheet/ATV which has 5.1% of requested fund. For example if a company wants 50M, Bank account should have 2.5M +0.1%.
Forward the  cash funds holding company account’s authorized signatory  proof documents
(Passport,Company Biz file indicating the shareholders,company resolution,company incorporation & registration document).

STEP 2: Email the Project Snapshot
Project snapshot should be submitted with  following details:
Executive Summary about the project, Project Face Value , Project funds requested amount ,  What types of  project funding required(Private Company Lending,Equity share,Banker Lending , Monetize Non recourse Loan by SBLC/BG) , Loan Tenure , Loan Interest range,any collateral details, what are different tranches required (starts with 5M/100M….),
who are all shareholders, how income shall be generated using the project fund?  How the  project fund is utilized ?
what are all risks are involved? 


STEP 3: Getting the Funder interest to fund the project We shall inform the  Funder interest to fund the project


STEP 4:Receive LOI Letter format & FPA(Fee Protection Agreement)
We shall forward the  LOI Letter format & FPA(Fee Protection Agreement) .
Please forward the  Signed copy of Authorized signatory of cash funds holding company account in company Letter head.


Please forward the  Signed copy of FPA of Authorized signatory of singapore cash funds holding company account in company Letter head & Notarized by lawyer.


STEP 4:
We shall issue application forms for filling up.
STEP 5:
We submit the application forms
STEP 6:
we request funders to approve the funds asap.
We shall get you the Funder’s Advance payment letter.
STEP 7: This STEP  is followed for a specific funders only .Other funders , this step may or may not be required.
Work with Insurance banker to  insure the sanctioned amount.
In the event of failure to repay the capital at the end of 5 years loan, Insurance banker shall pay the capital to banker.
STEP 8:
On receiving funders approval letter, Pay the  Project consulting fee of 0,1%  of  approved funding amount to  us
Forward the  LEtter of undertaking letter to issue the Project consulting fee of 4.9% with post dated cheq .
STEP 9:
we request funders to release the  payments asap  into the bank acct.
On receiving money  into  bank acct, Ensure that Post dated Cheque is cleared.
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Important Note:
If  you have any Good Overseas  Projects , We can form a joint venture with Overseas corporate companies to execute their project by having us  a  singapore business partner who acts as a managing partner for the projects.

We have good network of  Funder mandate & Funding providers .We can help  for good projects with TOP QUALITY Authenticated documents.

If any interested funder is interested to meet the borrower.
All expenses(Flight/Accomodation/Daily peridium)  needs to be paid  by borrower.

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

$100 million Financings to VC Backed Companies in the U.S., Asia and Europe Continues to Grow

penyedia pinjaman, pinjaman untuk UKM, penyedia bank garansi, penyedia SBLC, pemberi pinjaman pinjaman bisnis internasional, sewa bg, sewa instrumen Bank

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

THE MYSTERIOUS WORLD OF BANK INSTRUMENT LEASING (THE TRUTHS AND THE LIES)

There are so many myths and fables about leasing bank instruments that there is no place to begin.  So let’s begin with the basic truthful tenants.
First, no one is going to back the issuance of a bank instrument (provide collateral), and allow you to borrow against it without knowing AND approving the use of the borrowed funds. The Applicant is going to be very careful and learn ALL the risks of your loan not being timely repaid before he will lease you the instrument. The reason for this is that the party backing the instrument (called “the Applicant”) is not stupid enough to take a small lease fee in exchange for losing the face value of the instrument upon your default of the loan (or guarantee) taken against it.
THE LESSON:  So if a provider of a leased instrument offers you the lease of an instrument with a face value of $100 million for a lease fee of 10% ($10 million), and you wish to borrow against the instrument (or put it in jeopardy in some way), and if the provider does not take care of the securitization of that loan where he is satisfied that he will get his money back on your borrowings, then it is not a real deal and there is a fraud involved somewhere.
QUE: Where there are no or few authentic inquiries into the use of the funds and their security, followed up by no genuine request for securitization documents, references, and typical loan supporting information, there is a fraud going on. If you understand this tenant, then you can move forward and learn how these transactions really work.
Second, in analyzing to determine if an instrument lease transactions is a “real deal”, keep your eye always on the Applicant.  There will only be an instrument lease transaction if the Applicant is satisfied that the risks are acceptable to him of losing money borrowed against the instrument (or put it in jeopardy in some way such as operating as a guarantee).  This is the rule of instrument leasing.  Learn it and remember it!
Here are some examples that will often work when leasing an instrument:
Commodities Trading:  Use instrument as a guarantee to guarantee purchase and payment pending completion of sale and resale by the purchaser-lessee. On resale of the commodities the risk of the Applicant is eliminated by payment to the Seller from the proceeds of the resale by the purchaser-lessee.
Commodities Trading:  Funds borrowed against leased instrument are used to pay Seller, and  Applicant is paid and risk eliminated on resale of commodities to third party.
Real Estate Transactions:  Leased instrument is used as a guarantee to “hold” a purchase pending obtaining financing.  Once financing is obtained, Applicant has no further liability.
Purchase of a Business (securities):  Leased instrument is used as a guarantee to “hold” a purchase of stock pending obtaining financing.  Once financing is obtained, Applicant has no further liability. Financing is often easily obtained when Lessee has a buyer.
Purchase of a Business (Assets):  Leased instrument is used as a guarantee to “hold” a purchase of assets pending obtaining financing.  Once financing is obtained, Applicant has no further liability.
Construction Projects.  In the financing of construction projects, leased instruments are used similarly as used in real estate purchase transactions. The leased instrument may be used a guarantee that sufficient funds are available to complete the project. This may provide “bridge financing” until a “take out” is in place.   The Applicant will usually require a completion bond to be in place.
Third, in trying to keep your eye on the Applicant, sometimes it is very difficult to do so.  The reasons generally are that the Applicant and the Provider are jointly committing a fraud and do not want the Applicant to be known or identified, or on the other hand (as in most cases) there is no Applicant.  The Applicant is an imaginary creation of the Provider.
 QUE: If there is no Applicant doing the right things in an honest manner, there is no leasing transaction deal.  There is just a fraud.
Important Note on Spotting Fraud:  Not only should you look for the behavior of the Applicant, look at the facts surrounding the payment of any money, big or small.  You will usually be distracted by the possibility of losing a large sum that may be required.  However, most frauds are not aimed at that large sum as the fraudsters know they will never collect that amount.  They are seeking the payment of smaller fees and charges that do not seem important to you at the time.  For instance, the advance payment of $5,000 in bank charges may seem unimportant, but that sum is the total object of the fraud.  Some of the fraudsters will have ten transactions a month just stealing $5,000 per transaction while you are not looking as you are taking it out of your wallet and paying them.
Additional Note on Spotting Fraud:  Where someone is willing to lease you a billion or more dollars, run!  For these large deals it takes a consortium of banks to put together the guarantee involved, and usually the bank offered is unacceptable, including Chinese and Indonesian Banks where employee insiders cause a lot of problems.  Do not get involved in the financing of multi-billion dollar government constructions projects (e.g. dams). These are invariably fraudulent.
Fourth, unfortunately, there is a situation in this type of financing where you are almost guaranteed to lose your money and the Applicant provides you with all that he agrees to provide you with; i.e. he provides you with a valid instrument drawn on an acceptable bank. Again, here is the scenario:  (1) Ninety Percent (90%) of the time the outcome is that the Applicant provides you with the leased instrument as agreed, (2) you cannot use the instrument, and (3) the Applicant has earned the fee and keeps it.  You have paid for an instrument you cannot use and have no civil or criminal liability against the Applicant, because he has done exactly as you requested.
Side Note for Prospective Applicants:  This is why every Applicant that I have set up in business of providing leased bank instruments has made millions of dollars just waiting for you to screw up.
Back to you Lessees:  What is your “screw up”?  Almost 90% of you make the same mistake, and nearly the rest of you, to make up the 100%, make one or more of possible thirty or so mistakes.
 THE LESSON:  Few of these transactions work because (i) most are fraudulent and (ii) those that are legitimate are “screwed up” by lessees with incompetent counsel or no counsel at all that allow their clients to lose their money by making disastrous mistakes.
If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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Finally, the EU decides to abolish annoying data roaming charges

Good news, Europe! Mobile data roaming charges will be abolished from June 2017.

After two years of intense negotiations, which included many U-turns and delays, the ban finally passed at the European Parliament yesterday (Oct. 27). Mobile phone companies will no longer be allowed to charge customers extra for using their phone in countries across the EU.

Telecom providers can now levy a charge up €0.19 ($0.21) for outgoing voice calls, but an interim cap on charges will come into effect from April 30 next year. Extra charges will be removed altogether by 2017 following an overhaul of EU telecoms rules in 2016.

The European Commission says the new rules will finally bring an end to “huge telephone bills ruining your holiday budget.”

Type of charge July 2014 April 2016 June 2017
Outgoing voice calls (per minute) €0.19 €0.05 No extra roaming fee, same as national rate
Incoming voice calls (per minute) €0.05 To be confirmed No extra roaming fee, same as national rate
Outgoing texts (per SMS message) €0.06 €0.02 No extra roaming fee, same as national rate
Online (data download, per MB) €0.20 €0.05 No extra roaming fee, same as national rate

Americans visiting Europe won’t be so fortunate, as providers such as AT&T will continue charging around $30 for 120 megabytes of international data use. And Europeans traveling outside of Europe still need to be careful with roaming charges.

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
Email: ceo@loanandinvestments.com  and  loanandinvestments@outlook.com
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More than 45 Venture Capital Backed Unicorns have been added in the last two quarters

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Source: loanandinvestments.com

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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We offer Legitimately Cash & Asset Backed Financial Instruments on Lease and Sale

Dear friends,

We offer Legitimately Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures. Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. 

 
We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions.

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AND SALE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE.

 
 
If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
Email: ceo@loanandinvestments.com  and  loanandinvestments@outlook.com
Website: http://www.loanandinvestments.com
Skype: loanandinvestments


BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.