Loan & Investments Ltd

LOANS, INTERNATIONAL PROJECT FINANCE, BG, SBLC, DLC

Tag Archives: buy bank instruments

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.

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.
Skype: loanandinvestments
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.

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. 

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

We have BG and SBLC For Lease‏ and for sale

We are project funders with our cutting edge and group capital fund we can finance your signatory projects and help you to enhance your business plan. Our financial instrument can be used for purchase of good from any manufacturer irrespective of location. We specialized in Loans and Project Funding, BG, SBLC, MTN, CD,LC, Non collateral loan, confirmable Bank Draft and other financial assistance from AAA rated bank (Prime Bank).
The financial instrument can be invested into High Yield Trading Program or Private Placement Programme (PPP). Please see our instrument description and leasing procedure as follow.
DESCRIPTION OF INSTRUMENT:
1. Instrument: Bank Guarantee {BG}/StandBy Letter of Credit{SBLC}(Appendix A)
2. Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}
3. Issuing Bank: AAA Rated Bank (Prime Bank)
4. Age: One Year and One Day
5. Leasing Price:  4.0%+1%=6%
6. Delivery: S.W.I.F.T MT-760
7. Payment: MT103 (TT/WT)
8. Hard Copy: Bonded Courier Service
We specialize in Bank Guarantee lease and sales, there are two types of bank guarantee which are Direct Bank Guarantee and Indirect Bank Guarantee. Its used as Bid Bond, Payment Guarantees, Letter of Indemnity, Guarantee Securing Credit Line, Advance Payment Guarantees, Performance Bond Guarantee E.T.C.
Intermediaries/Consultants and Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
All relevant business information will be provided upon request including the following:
What exactly do you need?
How long do you need it for?
Do you have interest to purchase?
Are you a principal borrower or a broker?
For further inquiries Contact us with below info:
BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

Indonesia may be the next challenger to Beijing in the South China Sea

Claim almost an entire sea for yourself and you’re bound to stir things up. That’s especially true when it’s the South China Sea, arguably the world’s most important body of water for international trade and potential future military conflicts.

Citing a “nine-dash line” it drew up at the end of World War Two, China says almost all of the sea counts as its territory. To solidify that claim—considered outrageous by various Southeast Asian nations that also claim territory in the sea—Beijing has been busy building manmade islands atop reefs in the Spratly archipelago, complete with a runway, helipad, and lighthouse.

Challenges to Beijing’s claims are growing.

This week, the US flew B52 bombers near the artificial islands, the Pentagon said on Thursday (Nov. 12), on what officials called a “routine mission” in international airspace. Last month, the US sent a warship close to the manmade islands, in an area that it’s long considered international waters. (Beijing issued verbal warnings but otherwise not much happened.)

On Oct. 29,  an international arbitration court in the Netherlands ruled it has the authorityto decide whether China is violating international law with its claims in the South China Sea, two years after the Philippines first lodged a complaint. (Beijing refuses to recognize the case.)

Indonesia is the next country stepping in.

This week, Indonesia’s chief security minister, Luhut Pandjaitan, indicated the nation could turn to an international tribunal over disputed claims involving the Natuna archipelago, parts of which intersect with the China’s nine-dash line. That follows a confirmation last Sunday (Nov. 8) that Indonesia deployed seven warships to the archipelago, saying the move is “a routine patrol program carried out by the navy to safeguard Natuna waters.”

And yesterday (Nov. 12) Indonesia’s foreign ministry said it had asked China to clarify its claims in sea. “The position of Indonesia is clear at this stage that we do not recognize the nine-dash line because it is not in line with… international law,” noted ministry spokesman Armanatha Nasir. “We asked for clarification on what they mean and what they mean by the nine-dash line. That has not been clarified.”

Indonesia’s pushback against China’s claims goes much deeper than that, though.

Last summer general Moeldoko, the commander in chief of Indonesia’s armed forces, took to the Wall Street Journal to express (paywall) Indonesia’s surprise about China’s claims. “Indonesia is dismayed… that China has included parts of the Natuna Islands within the nine-dash line, thus apparently claiming a segment of Indonesia’s Riau Islands province as its territory.” In response, he added, “the Indonesian military has decided to strengthen its forces on Natuna.”

Yet there would be little reason to, if not for China’s moves in the area. Consisting of about 270 islands, the sleepy Natuna archipelago is part of Indonesia’s Riau Islands province. Most of the less than 100,000 people living there are involved in fishing or farming.

Screen Shot 2015-11-13 at 10.11.35 AM

In September Indonesia’s defense ministry announced that it would improve the infrastructure in Natuna, including runway improvements for the benefit of warplanes and a new radar system. It also said it was deploying unmanned aerial vehicles and at least 2,000 additional personnel to the islands.

Indonesia’s government said it is still counting on diplomacy. “We don’t want to see any power projection in this area,” Pandjaitan told Reuters this week. “We would like a peaceful solution by promoting dialogue. The nine-dash line is a problem we are facing, but not only us. It also directly [impacts] the interests of Malaysia, Brunei, Vietnam, and the Philippines.”

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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.

BANK GUARANTEE WARNING: 5 Ways to Lose Money – Beware!

IMPORTANT BANK GUARANTEE WARNING: 5 Ways to Lose Money – Beware! Too many clients have lost too much money in the Bank Guarantee industry by foolishly and naively being conned by unscrupulous people. Clients get lured by the promise of high returns and because of inexperience get caught in some pretty nasty pit falls and lose their money. This article is written to warn and educate clients so they can AVOID LOSING MONEY and SAFELY COMPLETE BANK GUARANTEE TRANSACTIONS WITHOUT LOSING YOUR SHIRT!

Many of our clients wish to purchase Bank Guarantees for Monetization, Discounting or Funding. If you do this it is CRITICAL you get it right! There is no margin for error when your dealing with millions if dollars!

There are some big traps uninformed customers fall into that cost them a lot of money or the whole deal. Loan and Investments Limited would like to partner with you and help you navigate the mine field of the bank guarantee market so you can safely and successfully get deals completed.

Here are just a few Mistakes people make….. that have Cost foolish investors many many $$$$

Lease-BG-UpsetMan

Mistake 1: Buying a BG that is Neutered – Some sneaky companies issue neutered Bank Guarantees. That is a Bank Guarantee that can only be used for credit enhancement on a companies books but can never be monetized or traded. It’s a nasty surprise you get when you realize your pristine Bank Guarantee delivered by MT760 to your Monetizer is……. useless!

Mistake 2: Buying a BG that is Leased – Many Leased Bank Guarantees cannot be monetized. If you buy a Bank Guarantee that has the word “leased” in the Bank Guarantee text when it is delivered to the funder or monetizer. You just got screwed and have a worthless piece of paper you can’t use! Loan and Investments Ltd offers you “unrestricted beneficiary ownership of the Bank Guarantee for a 12 month term” this gives you full monetization capability at the price of a lease. Don’t risk playing with fire, a cheap Bank Guarantee provider is likely to make you pay one way or another in the end! Play safe get a Bank Guarantee from Loan and Investments Ltd.

Mistake 3: Procedures DON’T Match – If the delivery procedures of the Bank Guarantee issuer don’t exactly match with the Bank Guarantee Monetizer, Funder or Discounter you will never get the Bank Guarantee delivered because the two parties are incompatible with each other. You just can’t put a round peg in a square hole! In our experience up to 40% of Bank Guarantee deliveries to funders FAIL because the procedures between the parties are incompatible. It is sickening to see clients with failed transactions caught in a blame game of table tennis between Bank Guarantee Issuer and Bank Guarantee Funder who each point the finger at one another. Avoid this nightmare, just use our prestructured, prenegotiated Managed Bank Guarantee Program. Email us for more details.

Mistake 4: The No Bank Play – When your Bank Guarantee Issuing Agreement with you lists them sending a MT999 or MT799 from a non bank entity to the monetizers or funder bank entity. You’ve been screwed! This is a huge scam because many Bank Guarantee Issuers issue from non bank entities that have names that sound like banks but aren’t! Authentic Banks will not reply or communicate with Non Banks Entities or private companies that send the bank messages on the SWIFT network. ThLease SBLC Upset Businessmanose messages are treated like an annoying mosquito, it buzzes into the bank on the SWIFT network and is swatted away to the rubbish bin as soon as the bank realizes it was sent from a non bank entity!

The Bank Guarantee Issuer then claims they delivered service to the bank and that because the bank did not perform or respond, then the Bank Guarantee Issuer keeps all your money because they claim the bank defaulted on your contract. Ouch!

Mistake 5: No CUSIP or ISIN Number – Some Bank Guarantee monetizers or funders will only accept Bank Guarantees with CUSIP or ISIN Numbers. This means they will NOT accept a fresh cut bank guarantee, ONLY seasoned instruments (which is a Bank Guarantee that has been created by one Bank and issued to a second bank who them registers the CUSIP and ISIN numbers of the instrument). Seasoned Bank Guarantees cost more because they have to be passed through two banks to become seasoned and are generally are only available to be purchased from secondary owners not direct from the Bank Guarantee Issuing Bank. We monetize fresh cut and seasoned instruments, as long as the bank guarantee is 100% real we will monetize it and ensure you bank cash no matter whether its fresh cut or seasoned.

The above Mistakes are the Tip of the Iceberg!

There are many many more!

As Experienced Bank Guarantee Experts our Business is structured to assist you to AVOID the PITFALLS and NIGHTMARES. Our goal is to and help you concluded safe successful transactions.

The BIGGEST Benefit in working with Loan and Investments Ltd is our years of Bank Guarantee Expertise and Knowledge, it is the best and insurance and safety net you will ever get and we don’t charge a cent for it! Our guidance comes free with every transaction we complete for you.
When your dealing with financial instruments and Bank Guarantees worth Millions of dollars DON´T be a Do it Yourselfer and cause yourself significant harm! Partner with Loan and Investments Ltd and get the right result, safely without burning your house down.

Experience is the Best Insurance – Use Loan and Investments Ltd Today for all your Loan, project Finance and Bank instruments transactions including bank Guarantees, DLC, leased sblc, seasoned BG, frshly cut BG, slightly seasoned BG etc!

Loan and Investments Difference

At Loan and Investments Ltd we are 100% Different, we value your time and get straight to the point. Some companies will talk your ear off, we prefer to be solely focused on results and helping you bank them. We have a large network of service providers which gives us the unique ability to create outcomes others can’t.

When it comes to funding and monetization, getting to the finish line is all that counts and that’s what we excel in.

So if you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
Skype: loanandinvestments


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.

Typhoon Koppu could dump nearly a meter of rain on the northern Philippines

Typhoon Koppu slammed into the Philippines with formidable winds this weekend—reaching 240 kph (150 mph) before landfall—but weather experts say the rain, not the wind, is the main worry.

The storm (known locally as Typhoon Lando) has already dumped massive amounts of rain on Luzon, the nation’s main northern island and home to nearly half its population of 98 million people. The death toll has been minimal, but with the exceptional rains expected to rage on for several more days, the risk of flash floods and mudslides is growing by the hour and over 16,000 have been evacuated so far.

The heavy rains are widespread across the island, including in Cabanatuan, a city in central Luzon:

Oct. 19 in Cabanatuan city, northern Manila.Improvised transport in Cabanatuan city, on Oct. 19.

 

Crossing a bridge in Cabanatuan city on Oct. 19.Crossing a bridge in Cabanatuan city on Oct. 19.

A flooded street in Cabanatuan city on Oct. 19.A flooded street in Cabanatuan city on Oct. 19.

Thousands of villages have fled their homes, wary of a repeat of previous typhoons. In 2009 more 460 people died from severe flooding and mudslides in the city of Baguio and other parts of northwestern Luzon. That’s when Typhoon Parma (known locally at Typhoon Pepeng) dumped 1,854 milliliters (73 inches) on the area.

Baguio, a high-elevation city of about 320,000, is getting especially walloped. As of earlyMonday (Oct. 19) morning, it had received 208.3 millimeters (8.2 inches) of rainfall, with 610 millimeters more possible in the coming days, even as the storm is weakening.

Some 15 to 20 million people live in the area of northern Luzon north of Manila, many of them in cities with steep hillsides or flood-prone rivers, and in some cases both. Many roads have already been flooded, and millions of people have suffered power outages.

Floods in Manila, one of the world’s most densely populated cities, are also a worry. Parts of the capital look oddly naked without road-side billboards, many of which were taken down ahead of the typhoon’s arrival.

Public warning systems have been greatly improved since 2013, when Super Typhoon Haiyan killed more than 6,300 people.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
Skype: loanandinvestments


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.

China’s latest GDP figure is pretty weak, but that doesn’t make it any more believable

Inline image 1

 

China’s National Bureau of Statistics released the country’s third quarter GDP growth rate today, and at 6.9% it was the lowest quarterly growth the country has clocked in more than six years, or since the first quarter of 2009.

Slowing GDP growth is part of China’s transition to a “new normal” of domestic consumption-led growth, and a quarterly number under the annual growth target of 7% was expected by analysts, investors, and governments. What’s interesting about today’s announcement is the open skepticism with which the rest of the world is greeting even this weak figure, which, after all, still beat analysts’ estimates of 6.8%.While China’s government-supported Shanghai Composite Index traded up all morning on the news, after an initial bump most stock indices fellin Japan, South Korea, Hong Kong, Singapore, and Taiwan. After lunch even the Shanghai Composite Index headed south.
Market analysts, journalists, and fund managers took to social media, news outlets, and issued reports questioning the figures.
As one analyst from London’s IG Group, a spread betting firm, writes:
The 6.9% Q3 GDP print really just makes one question the veracity of both the Q2 and Q3 numbers. It’s hard to be overly optimistic about the headline number, especially given the range of other data released today.

A policy researcher for NSBO, the Beijing research house, told Reuters:

The GDP beat is surprising, given that the monthly FAI and industrial production figures slowed considerably, and much faster than expected.

The data would suggest that retail sales is holding up the data and there are other areas that the government is factoring in consumption and services data that are not picked up in the monthly figures.

An economist from Capital Economics said figures were overstating growth by a “wide margin” and explained (via the Wall Street Journal):

The continued stability of the official GDP figures will further cement concerns over their credibility. Flaws with how the GDP deflator is calculated, along with political pressure to meet growth targets that have become increasingly at risk, have meant that official growth rates have not slowed nearly as quickly as most third party measures of growth in recent years.

Others were less circumspect, like this economics professor:

China has long been accused of massaging its official economic numbers, and particularly its GDP figures, in order to hit pre-announced growth targets. But the number of outside observers in the finance industry who are questioning the figures has been growing in recent quarters, as the country’s slowdown increases.

Along with GDP, China released data on “nominal GDP”—which adjusts GDP to strip out the effects of inflation— and industrial production. Here figures were downright bad, with nominal GDP growing 6.2%, and industrial production growing 5.7% in September, missing analysts estimates of 6%.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
Skype: loanandinvestments


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.