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Real Estate Funding

Private Investments, Merchant Banking and Consulting Services

Bank Guarantee (BG), Standby Letter of Credit (SBLC) & Medium Term Notes

Professional Funding Arrangers & Capital Raising Practitioners

Commercial Real Estate

Private Money and Equity Loans

Loans from $1Million nationally and $5Million Internationally and up with no maximum. Loan to Value up to 65%, in some cases up to 80%. No maximum debt ratio, but must show the ability to pay. No seasoning required. This type of financing is for Foreclosure Bail-outs, Bankruptcy, Cross Liens, Bridge Loans, Trusts and Corporations. Construction Loans 65% LTV, may consider up to 80% in some cases. The property has to be zoned for commercial real estate. The borrower must have a minimum of 5% to 10% cash in the project, but 30% to 35% will enhance the chances of success.

International Specialty Financing

This special financing is an alternative to conventional bank loans Worldwide. Large commercial lender worldwide specializing in real estate secured loans for Bridge, Land, Acquisition, Development, Construction, Bank workouts, Foreclosures and Bankruptcies. We structure our loans around each client unique set of financial circumstances and provide fast service and creative funding solutions Worldwide. Our minimum lending criteria is $1Million nationally and $5Million internationally with no maximum. The loan term is usually 2 to 3 years with a possibility of up to 5 years with no prepayment penalty. Loans are collateralized by commercial real estate, however, in some cases other fixed assets may be considered.

The loan to value ratio is typically 65% of the value of the collateral. If the loan is used for Construction or Renovations, it can be funded in stages up to 65% of the improved value. This type of financing is interest only and the rate will vary depending on the type of project, loan to value, borrower's investment in the project, borrower's credit and net worth. Rates for international transactions are generally higher than national. Some of our investors provide recourse and non-recourse loans. We respond immediately and our loan structures are flexible. It usually takes 2 to 4 days to perform a detail review and prepare a presentation for the lender providing all the documentation is in place. Underwriting a file for funding takes approximately 7 to 10 business days, after which a letter of intent may or may not be offered. Closing is normally in 30 days.

Commercial Financing Domestic and International

Now offering large balance commercial financing worldwide from $10 Million to $10 Billion and up depending on the type of project. This program is ideal for purchase money and construction. Rates are low with principal pay back only, or Equity participation with no pay back. Various lending programs available such as residential development, hotels, apartment buildings, health care facilities, shopping centers, acquisition and development, auto dealerships, light industrial, indoor sports facilities and more. Any kind of energy (gas, coal, ethanol, biodiesel, solar power, etc.), commodities, surface mining and minerals.

Hedge Funds Joint Venture Platforms for Domestic and International Projects

We work through registered investors to provide direct private equity and debt funding for select real estate, hotels, casinos, golf courses, business technology, energy, marine, mining, film, entertainment and any other viable project not listed herein. The criteria required for a very simple approval process as follows: Provide an Executive Summary and Five Year Financial Projections for initial consultation.

Commercial Real Estate Funding

If you’re new to commercial real estate financing, you’ll want to get a firm understanding of the differences between a residential and commercial mortgage loan. Residential real estate uses a debt-to-income formula for judging your ability to repay a loan while commercial real estate is based on the debt coverage service ratio formula to qualify. This means that to qualify for a commercial loan, you’ll have to know what your projected return on investment (ROI) will be when making a commercial property purchase or refinance.

The cash flow generated from your commercial real estate property will be one of the factors in determining both the value of the property as well as its future return. The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market. The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property. What type of property will you acquire? How will the property be used to improve your cash flow and financial goals? How long will you hold the property? Will you be an owner, tenant or just an investor? Do you have an exit strategy? These are all questions you’ll want to think about before applying for your commercial financing. After you’ve established the market need and use for the property, you’ll also want to analyze its current and future cash flow that will contribute to your ROI. So give us a call today and we’ll help you get started and answer any other questions you may have.

Loan Summary Guide

Use this guide to save time. A well organized loan summary should include the following essential information Executive Summary - a concise but thorough overview that includes the following: Description of the property - and its estimated or appraised value (as is value), disposition value (3, 6 or 9 month sale) or fire sale value, future value (construction only), square footage and number of units. Loan Amount and Use of Funds - debt owed, liens on the property, if cash out is needed Date of purchase and price - how much cash was invested by the owner(s). Debt Service - how will the owner(s) make monthly payments. Will the property produce income or will the owner(s) require interest reserve? Loan Term Requested - typical terms for private money is normally 2 to 3 years with available extensions. Payments are interest only. Borrowers will need to ask about long term financing. Exit Strategy - will the property be sold, refinance or other? Equity- 65% LTV is the norm. Higher LTV's up to 80% may be possible. This pertains to purchases and refinances on income producing commercial properties.

Property owners must have a minimum of 20% equity in their projects. Secondary financing maybe allowed in certain cases. The Story - The owner must tell the story of why he/she want the loan and provide hard and soft costs. Tell of any negative situations. Here is the time to bring out any issues. Do not wait for the investor to find out problems during the due diligence process. This could be a deal breaker. Color Photos of the property or an appraisal if available. Operating income (Profit and Loss Statement) last two years, summary of lease agreements, rent rolls, operation statement from the business. The1003 Loan Application with all fields completed, current credit report 3 months old or less or Personal Financial Statement of the owner, borrower or guarantor. With all the information above submitted, we can prepare our submission report for the lender’s review. Based on a Term Sheet or Letter of Intent (LOI) we will set up a conference call with all parties within 24 hours between borrower and lender to clarify any issues that may be stated in the LOI. If there is a basis to move forward by means of executing the LOI, the due diligence and closing process begin. Due diligence and closing escrow takes approximately 30 to 45 days.

Determining Your Commercial Mortgage Interest Rate

Understandably, one of the first questions we’re asked from potential commercial borrowers is “What will my interest rate be?” But the final interest rate on your new loan may be based on your past credit history, the loan-to-value (LTV) of the property, net worth and other risk components associated with the deal. Before we can provide a valid financial quote we’ll need to work together to build a suitable package for the lender or investor to underwrite. The final rates and terms you receive will be based largely on you – the business owner. In addition to interest rates there are other factors you should consider if your goal is to obtain the best overall financial package and return on your property as an investment. For example, the terms of a mortgage loan can be just as important as the interest rate. Any pre-payment penalties could also affect the overall cost of your mortgage should you wish to sell or refinance the property. So it’s wise to carefully review the covenants that the lender required on the loan. Now that you understand how commercial rates differ from residential rates, this is the perfect time to contact us.

GUARANTEES

In the event that financing has been arranged requiring collateral, Equity Capital & Securities London are able to facilitate the issuance of collateral security so that the credit line can be activated for the project to proceed.

Equity Capital & Securities London also offers assistance in the issuance of Letters of Credit, Standby Letters of Credit, Bank Guarantees and Performance Bonds. We can also assist with the facilitation of the issuance of back to back instruments and the transfer of payment instruments.
Sovereign Guarantee – Equity Capital & Securities London is able to facilitate funding for Government and Infrastructure Projects against a Sovereign Guarantee subject to the Sovereign Guarantee being ratified by the relevant authorities and departments, namely the Central Bank and Ministry of Finance in the respective countries. In some cases the Sovereign Guarantee may need to be confirmed by a Commercial Bank.
Resource Guarantee – The option is available to fund projects against a Resource Guarantee such as an Oil Guarantee or any other significant and valuable minerals or resources that the country has may also be considered.
Collateral Security for Credit Line - In the event that financing has been arranged for the project in the form of a credit line which requires a collateral security, Equity Capital & Securities London is able to facilitate the issuance of the collateral security so that the credit line can be activated for the project to proceed.

If You Need Help

If the borrower doesn't know where to go or how to secure a guarantee, Equity Capital & Securities London is available on a fee basis to assist qualified borrowers in arranging for the issuance of guarantees.
To qualify, borrower must demonstrate to Equity Capital & Securities London - with complete documentation - that it has presently available financial resources to secure issuance of a guarantee from an accepted guarantee-issuer.
Equity Capital & Securities London compensation is based upon the nature of work, amount of effort needed, and time required to successfully secure and place guarantee with an accepted guarantee-issuer.
Equity Capital & Securities London compensation includes consulting fee and expenses.

We welcome ALL inquiries about our products and services and ask that you contact us right away if you have a deal to discuss! [email protected]

PLEASE NOTE:

This is NOT a solicitation for investment funds and it is NOT an offer to buy or sell securities. Likewise, this is NOT any form of bank or financial institution policy. The reader agrees that any effort on their part to participate in this financial opportunity is done unsolicited.

WARNING NOTICE:

IF ANY CLIENT and/or CLIENT REPRESENTATIVE DELIBERATELY ATTEMPTS TO ENGAGE and/or SOLICIT OUR SERVICES FOR THE PURPOSE OF TRANSACTING ANY FORM OF FRAUDULENT, INTERNATIONAL SECURITY THREATENING and/or OTHERWISE ILLEGAL TRANSACTIONS THIS WILL LEAVE US NO OTHER CHOICE BUT TO REPORT HIM/HER TO THE SERIOUS FRAUD OFFICE, INTERPOL, FBI, FEDERAL RESERVE CRIME OFFICE, S.E.C., I.C.C. PARIS and/or other authorities we deem appropriate.

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