Loan & Investments Ltd


Tag Archives: Lease bank guarantee

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.


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


We are direct providers of both Fresh Cut and seasoned BG, SBLC, DLC and MTN which are specifically for lease. Our bank instrument can be engaged in Monetizing, Trading and Discounting of kind of projects. We do not have any broker chain in our offer neither do we get involved in chauffer driven offers. We deliver with time and precision as set forth in our Deed Of Agreement. Our terms and Conditions are reasonable, below is our instrument description.

1. Instrument: Bank Guarantee (BG/SBLC)
2. Total Face Value: Min of 1M Euro/USD to Max of  50B Euro/USD
3. Issuing Bank: HSBC London or Hong Kong, Barclays Bank London, Deutsche Bank Frankfurt or any Top 25 Prime Bank.
4. Age: One Year, One Day
5. Leasing Price: 4.0% of Face Value plus 1+% commission fees to  brokers.
6. Delivery: SWIFT TO SWIFT.
7. Payment: MT-103.
8. Hard Copy: Bonded Courier within 7 banking days.

All relevant information will be provided upon request.
If Interested kindly contact us via below Emails:


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.

Bank Guarantee & SBLC For the client’s Loan

This is a “collateral-first” procedure that is very rare to come by.

This Offer  will consider any type of project and fund it if the client can meet the criteria set forth. There are no restrictions as to size.

The minimum loan amount is US$150 Million (the larger the better).

The “Funding/Lending Source” can be any type of lender, i.e. Hedge Fund, Finance Company, Insurance Company, or other such entity. If the Lending Source is not a nationally or internationally recognized organization, it will have to be approved and must prove its ability to fund. The “bank” or “the funding/lending source’s bank” must be a bona fide bank listed in The Bankers’ Almanac.

It has been our experience that if the subsequent procedures are followed exactly in the following order, the transaction will probably be completed with a minimum of problems or frustrations.

If the client or the banker attempts to change this proven sequence, the entire transaction will become more complicated than necessary and seem confusing, and in all likelihood, will not be successfully completed.

When first approaching the client’s lending bank it is essential that the client addresses a specific sector of the bank. This is generally referred to as; “The Private Banking Sector”, or “The Wealth Management Sector”, the client can also ask for the “International Sector”, which deals with bank instruments. Beware, walking through the front doors of a commercial bank will not get the client to the right sector; usually the sector the client is seeking is in the corporate or divisional office of a bank.

Once the client finds the right sector and is speaking to the right bank officer, the client’s goal is to present himself and the client’s project for proper bank approval and underwriting process. First and foremost, the client’s lending bank is obliged to follow the rules and regulations of The Patriot Act. The Patriot Act requires all USA banks must first know their clients. All USA bank officials must be constantly on the lookout for any banking transactions which appear to be an attempt to get around the currency reporting requirements, for example, Laundry of Funds.


1)  First and foremost, the client must absolutely go to his bank and get himself and the project approved without relying on the collateral. The collateral will be provided only as an extra security and as additional collateral or cushion when the bank requests it. Remember, the bank is financing the project, not the BG or the SBLC, therefore the emphasis must be on the project, not the BG or the SBLC.

2)  Client bank’s evaluates the project, goes through the compliance and credit committee and finally the project is underwritten by the client’s bank.
Client’s bank gives full approval to fund the project, and as additional security requests from the client a BG/SBLC issued by a “AA” rated Western European or North American Bank. This must be provided in writing by the bank to their own client.


  •  99% of the times, the Client tells his bank that he HAS an instrument, whereas, he does not HAVE an instrument, he can obtain support for his project and an instrument to secure funds that the Bank or Private lender has conditionally committed to his project subject to the client being able to obtain the instrument.

Of course, the Banker sometimes assumes as much himself, which is why the verbiage of the “Approval Letter” is critical as it demonstrates that the Banker is clear on that point.

(The instrument is 99% of the time FIRST to either arrive or be on Euroclear etc. but the funds have to be there as a loan, so that the instrument is not hypothecated).

  •  Until this stage, all the KYC and due diligence need to be done by the client’s bank on their own client. This funding commitment must be gotten by the client using his and his project’s own strength AND his own close banking relationship. We can not either get involved or assist the client at this stage.

However, if at this stage the client needs our assistance then a fee will incur as per the level of service requested. The fee will be determined according to the service required from us. The type of service and the related fee amount inquiry may be requested in writing from us.

3)  Once the client’s bank is satisfied and the project is approved for funding- subject to the client providing an extra security in the form of an acceptable collateral- then, and only then, can the transaction move forward. The client must have a letter from his financing bank showing the approval to fund his project and the bank’s willingness to make the loan subject to receiving an additional acceptable security for the L/C, e.g. BG/SBLC/MTN issued by “AA” European or North American bank.

4)  Once the client’s bank has notified the client regarding the approval of the client and the project, the client then sends us the following:

  • The “Approval Letter”
  • Client Information Sheet
  • Passport copy of the principal
  • Corporate resolution
  • 3 to 5 page Executive Summary of the project including a 3-5 year financial overview, cash flow with income and expenses and profit and loss tables, must also include the drawdown schedule.
  • Signed and notarized “Letter Of Understanding” (LOU) (will be provided)
  • FPA for 1% (will be provided)

5)  Eventually, the bank will issue two letters and send them to our designated bank via swift MT799:

  1. One would state that they stand ready to provide a line of credit against BG/SBLC/MTN to be duly issued by at least  “AA” rated bank to be delivered to them via MT760. Furthermore this line of credit would be forwarded to our designated bank (in Europe or North America).
  1. The other would state that the funds would be sent  IMMEDIATELY, via MT103 upon receipt, verification and authentication of the BG/SBLC/MTN.

6)  After the client’s bank has executed the above mentioned 2 Letters, the bankers will contact one another and arrange all of the pertinent details for the delivery of the instrument.

7)  After the collateral has been sent as agreed, and the transfers have been honored, the transaction will have been completed and the client’s bank will be released from any further obligation.
The transfers  will be as follows:

For Transactions up to $499 Million:

94% to collateral provider
The remaining amount is for the Lending bank’s fees and interest.

For Transactions $500 Million and up:
90% to collateral provider
The remaining amount is for the Lending bank’s fees and interest.

How the project gets funded

The Funding Group is to fund the project on the basis of  equity participation, therefore the project will be fully funded and will have no debt burden or any loan repayments to make,  thus the project will be free and clear from any debts from day one. A buy-out (exit clause) may be negotiated and agreed to at the signing of the funding and ownership contracts.

The Funding Group, through their local major handling firms of accounts and attorneys, will remit the funds according to an agreed to schedule with the client until the project is completely funded.

All terms are negotiable.

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.

The story of a man who recorded every detail of his life for five years

A deep-seated anxiety afflicts modern life, and it makes a pictures like this go viral.

this is my new favorite photo of all time

— Wayne Dahlberg (@waynedahlberg) September 26, 2015

Some of the tirade is against technology, which many claim stops us from making connections with each other. The bigger worry is that, in our attempts to capture memories that we fear may be lost forever, we don’t live in the moment.

Morris Villaroel, professor of animal behavior at the Polytechnic University of Madrid and a life-logger, might have a solution. He claims that, with the help of a notebook to log everyday things and a camera attached to the chest that takes a picture every 30 seconds, his experience of life is more fulfilling and his memories richer.

“When my wife says ‘August just flew by, didn’t it?’ I say that ‘No, it didn’t.’” Villaroel told me at the Quantified Self conference in Amsterdam recently. “I remind her about the holiday we had, the park we went to, the wonderful dinner we enjoyed and so on. And suddenly August doesn’t seem to have gone by so quickly.”

Since 2010, for every day of his life he has made notes in 60-page Muji books. He has filled 180 of them, and wrote down an estimated 1.5 million words. He’s recorded almost every meal he’s eaten, person he’s met, event he’s attended, book he’s read, and even more that I’m not privy to.

He wasn’t sure initially whether he would be able to keep up the activity. But the longer he continued putting down his everyday life in words, the more he found it useful and the more he felt motivated to continue.

“Both my parents are psychologists and in my childhood, dinner table conversations often were around reflecting on thoughts,” Villaroel said. “I’ve had a lingering aspect of thinking about thoughts and feelings, and how thinking and talking about them can change over time. That is perhaps why I’ve always liked writing things down.”

The log book has evolved over years, but here is a typical start to a day in the current form:


A day can fill two pages or 12, Villaroel said, depending on the kind of activity that’s taken place. He uses it for everything, even planning his science experiments.

Each log book has dedicated space for certain things. The inside cover is a two-year, annotated calendar that tells him at a high level how the days ahead look. The first page is for every meal eaten (even snacks), the second page for ideas, and the third page for a weekly calendar with a more detailed view.

Because the log book is not digitized, Villaroel has developed a system to make it searchable. In the back, there is an index which has keywords from each day (which you can see on the top of the right page of the log book). These can be about people, locations, objects, or actions.

Why life-log in the first place?

Villaroel’s life is complicated. Now, he is happily married, but has had five children with three different women. When he began his log book, he had just met his current wife.

“I didn’t start keeping the log book seriously until I turned 40,” Villaroel said. “It was a time where I needed a period of assessment.” And keeping a record of his thoughts was a way to manage what he said was a “chaotic life between his children and work.”

Adding more texture

In 2013, at the Quantified Self conference, Villaroel heard of a wearable camera that could capture even more of his life. He decided to get one.

Since April 2014, when Villaroel finally got his hands on the Narrative camera, he has built a growing library of more than 700,000 photos. They are snapshots of his life, captured every 30 seconds for 12 hours every day from a discreet camera attached to his shirt.

The idea of capturing life passively is not Villaroel’s. Digital pioneers have been doing it in one form or another since the 1990s. For instance, one of the first people to start this, Thad Starner, is now a lead designer of Google Glass.

But Villaroel, as far he knows, is the only person who does both with such dedication. Together they form a powerful combination: daily logging—a slightly more sophisticated form of journaling—helps plan for the future and then captures information after things have happened; and the life-logging camera captures things as they happen.

These two recording apparatuses help him capture different things The journal is a filtered analysis of some visible but many invisible things. The Narrative camera captures whatever the camera can see without prejudice.

Most importantly, they allow him to live in the moment: the camera captures images for posterity and the log book is filled later as a way to reflect. Villaroel reviews his log book when he has time, and the images from the camera once a week on the weekend. And he finds the process of reviewing very satisfying.

But Villaroel is also a numbers guy. He wanted more objective proof that all his effort was actually worth it. Perhaps he could even spot benefits he wasn’t aware of. So he decided to run an analysis. He chose 10 days at random and analyzed what the log book and the camera told him about those days.

On a spreadsheet, for each day, he counted the number of objects, people, actions, and locations that both the apparatuses had recorded.

When he delved deeper, he realized that there was a pattern to the kinds of things captured beyond their categories. The log book was catching “events” that lasted between 20 and 60 minutes, where as the camera was capturing those at the other extremes.

Screen Shot 2015-10-07 at 5.54.29 PM

For example, the camera captured a meeting with a colleague in the office corridor, but that didn’t make it in to the log book. Or the log book captured a 30-minute task completed on the computer, but the camera missed that.

The result, as he had suspected, was that the combination was helping him capture more of his day. The log book allowed for reflection and the narrative camera added texture to the reflection.

The power of introspection

There is some scientific evidence of the benefits of Villaroel’s practice. “The experience is consistent with mindfulness practices, which have been shown to have great benefits,” Ronald Riggio, a psychologist at Claremont McKenna College, told Quartz. “The perception of time, however, is subjective.”

Although Riggio was fascinated to hear of Villaroel’s experiment, the limitation that the experiment involved only one person means he can’t be sure whether others could benefit from it.

“But introspection and reflection are power tools in psychology,” he said. “There is a possibility that when you are more mindful, you may perceive that time goes slowly.”

Is the effort worth it? “Perhaps,” Riggio said. “This kind of daily activity requires a lot of dedication, but maybe once you form a habit it gets easier.”

Today we capture much of our life through email, calendar, private documents, tweets, Facebook posts, or Instagram images. But how much of it do we actually return to and reflect on?

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.

What is Loan?

Understanding what  “loans” means

In finance, a loan is a debt provided by one entity (organization or individual) to another entity at an interest rate, and evidenced by a note which specifies, among other things, the principal amount, interest rate, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower.
In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time.
The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.
Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.

Types of loans


A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral.

A mortgage loan is a very common type of money, used by many individuals to purchase things. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security — a lien on the title to the house — until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter — often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.


Unsecured loans are monetary loans that are not secured against the borrower’s assets. These may be available from financial institutions under many different guises or marketing packages:

  • credit card debt
  • personal loans
  • bank overdrafts
  • credit facilities or lines of credit
  • corporate bonds (may be secured or unsecured)
  • peer-to-peer lending

The interest rates applicable to these different forms may vary depending on the lender and the borrower. These may or may not be regulated by law. In the United Kingdom, when applied to individuals, these may come under the Consumer Credit Act 1974.

Interest rates on unsecured loans are nearly always higher than for secured loans, because an unsecured lender’s options for recourse against the borrower in the event of default are severely limited. An unsecured lender must sue the borrower, obtain a money judgment for breach of contract, and then pursue execution of the judgment against the borrower’s unencumbered assets (that is, the ones not already pledged to secured lenders). In insolvency proceedings, secured lenders traditionally have priority over unsecured lenders when a court divides up the borrower’s assets. Thus, a higher interest rate reflects the additional risk that in the event of insolvency, the debt may be uncollectible.


Demand loans are short term loans that are typically in that they do not have fixed dates for repayment and carry a floating interest rate which varies according to the prime lending rate. They can be “called” for repayment by the lending institution at any time. Demand loans may be unsecured or secured.


A subsidized loan is a loan on which the interest is reduced by an explicit or hidden subsidy. In the context of college loans in the United States, it refers to a loan on which no interest is accrued while a student remains enrolled in education.[2]


A concessional loan, sometimes called a “soft loan”, is granted on terms substantially more generous than market loans either through below-market interest rates, by grace periods or a combination of both. Such loans may be made by foreign governments to developing countries or may be offered to employees of lending institutions as an employee benefit.

Target markets


Loans can also be subcategorized according to whether the debtor is an individual person (consumer) or a business. Common personal loans include mortgage loans, car loans, home equity lines of credit, credit cards, installment loans and payday loans. The credit score of the borrower is a major component in and underwriting and interest rates (APR) of these loans. The monthly payments of personal loans can be decreased by selecting longer payment terms, but overall interest paid increases as well. For car loans in the U.S., the average term was about 60 months in 2009.


Loans to businesses are similar to the above, but also include commercial mortgages and corporate bonds. Underwriting is not based upon credit score but rather credit rating.

Loan payment

The most typical loan payment type is the fully amortizing payment in which each monthly rate has the same value over time.

The fixed monthly payment P for a loan of L for n months and a monthly interest rate c is:

P = L \cdot \frac{c\,(1 + c)^n}{(1 + c)^n - 1}

Abuses in lending

Predatory lending is one form of abuse in the granting of loans. It usually involves granting a loan in order to put the borrower in a position that one can gain advantage over him or her. Where the moneylender is not authorized, they could be considered a loan shark.

Usury is a different form of abuse, where the lender charges excessive interest. In different time periods and cultures the acceptable interest rate has varied, from no interest at all to unlimited interest rates. Credit card companies in some countries have been accused by consumer organizations of lending at usurious interest rates and making money out of frivolous “extra charges”.

Abuses can also take place in the form of the customer abusing the lender by not repaying the loan or with an intent to defraud the lender.

United States taxes

Most of the basic rules governing how loans are handled for tax purposes in the United States are codified by both Congress (the Internal Revenue Code) and the Treasury Department (Treasury Regulations — another set of rules that interpret the Internal Revenue Code).

1. A loan is not gross income to the borrower. Since the borrower has the obligation to repay the loan, the borrower has no accession to wealth.

2. The lender may not deduct (from own gross income) the amount of the loan. The rationale here is that one asset (the cash) has been converted into a different asset (a promise of repayment). Deductions are not typically available when an outlay serves to create a new or different asset.

3. The amount paid to satisfy the loan obligation is not deductible (from own gross income) by the borrower.

4. Repayment of the loan is not gross income to the lender. In effect, the promise of repayment is converted back to cash, with no accession to wealth by the lender.

5. Interest paid to the lender is included in the lender’s gross income. Interest paid represents compensation for the use of the lender’s money or property and thus represents profit or an accession to wealth to the lender. Interest income can be attributed to lenders even if the lender doesn’t charge a minimum amount of interest.

6. Interest paid to the lender may be deductible by the borrower. In general, interest paid in connection with the borrower’s business activity is deductible, while interest paid on personal loans are not deductible. The major exception here is interest paid on a home mortgage.

Income from discharge of indebtedness

Although a loan does not start out as income to the borrower, it becomes income to the borrower if the borrower is discharged of indebtedness. Thus, if a debt is discharged, then the borrower essentially has received income equal to the amount of the indebtedness. The Internal Revenue Code lists “Income from Discharge of Indebtedness” in Section 61(a)(12) as a source of gross income.

Example: X owes Y $50,000. If Y discharges the indebtedness, then X no longer owes Y $50,000. For purposes of calculating income, this is treated the same way as if Y gave X $50,000.

Contact Us today for all your funding needs, including Loans, Project Finance, BG, SBLC, L/C. 
NOTICE: Brokers are welcomed, appreciated and compensated. We pay 1% commission to our brokers and company representatives. If you want to be our broker or company representative in your country, EMAIL us  for more information.