Risk managed returns for capital partners and investors. Engineering the proper capital structure for a proposed transaction. Some of the most common capital structures are:
Equity: Traditional equity
investment (entity's ownership) as a partner or stock holder. Investments are with qualified businessmen, developers, operators, etc, in transactions where there is a significant opportunity for value creation or cash flow enhancement.
Preferred Equity (Preferred Stock): It is best suited for situations where the businessman, developer, etc, lacks the additional equity capital required to bridge the gap between debt and purchase or development cost. It is typically structured so that the investor receives his investment plus a preferred return and a participation in profits.
Mezzanine Debt: It provides businessmen, developers, etc, with subordinated debt funding up to approximately 90 % of the value of the property. It is attractive to
businessmen, developers, etc, who want to retain a greater share of the profits.
The first mortgage is typically straight debt and the second mortgage is the
higher risk and higher yield instrument, which has either a higher coupon or exit
fees. The lender may be the same for both debt instruments or could be two different lenders. This structure is excellent for developers who want to retain 100 % ownership.
Participating Debt: It leverages the property to 90 % of the cost in a blended first and second mortgage structure. This structure has many of the characteristics as
Mezzanine Debt, but typically there is only one lender.
Development
Agreement: The investor takes the ownership position and through a Development Agreement contracts the developer to build and manage the asset. The developer
receives 25 % to 30 % of the profits. This is suited for developers who have no
cash equity of their own.
Global Capital Sources:
Investment Funds, Private Banks, Securitization Funds, Hedge Funds, Umbrella Funds, Investor Consortium, Venture Capital, Business Angels, Private Equity, Luxembourg Funds, Individual Investors, Funds of Funds
VERY IMPORTANT: DGHC Global Capital Investors, S.A. & P. (Global Investors) finance legal enterprises and governments providing them investment, working capital and refinancing loans over THIRTY MILLION U.S.D., and up to 1 Billion (1,000,000,000.00) U.S.D. or larger amounts through syndication.
Acquisition, Development, Start-Up, Construction, Renovation, Conversion, Expansion, Venture, Working Capital and Refinancing, as set forth above, and many others.
VERY IMPORTANT: Minimum transaction amount for FACTORING (Amount to Factor) is ONE MILLION EUR ($1,578,000.00), however factoring is available only for enterprises that operate in U.S., Europe and other countries on a case by case basis. Likewise those that import from United States-Europe or that export to United States-Europe. Otherwise the invoices or accounts receivable will be acceptable as collateral for the transaction only on a case by case basis.
List of countries where Global Investors are able to finance projects: Argentina, Australia, Austria, Belgium, Brazil,Canada, China, Czech Republic, Denmark, Estonia, Finland, France, Germany, Great Britain, Greece, Hungary, India, Indonesia, Ireland, Italy, Japan, Latvia, Lithuania, Luxembourg, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Russia, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Turkey, Ukraine and United States. Likewise could be considered: Bahrain, Chile, Dubai, Iceland, Kuwait, Malaysia, Panama, Saudi Arabia, South Korea, Thailand and many others.
Global Investors offer loans to enterprises and governments who need financial resources to continue their development and expansion (investment loans), and to those who need financial resources, due to liquidity problems, to finance current transactions (working capital loans) or repayment of debts (refinancing loans).
Global Investors are non-banking financial institution, supported by investors proceeding. Global Investorsdo not pursue any banking or para-banking activity which is reserved under the law only for those institutions.
Global Investors do not accept financial resources in the form of deposits to be designated for financing the enterprises or governments. Global Investors only accept transactions between legal enterprises and/or governments.
Global Investors have as legal basis the Law of the place of transaction having in mind the Geneva System.
Borrowers, enterprises as well as governments, are required to have loan collateral as well as capacity (amountof money that enterprises or governments can borrow and be expected to repay). The loan repayment may be secured by :
-- Mortgage on real property
-- Bill of exchange (with the declaration)
-- Guarantee
-- Bank guarantee
-- Assignment of rights from future debt claims
-- Assignment insurance policy of movables or real properties
-- Assignment of movables, including fixed assets
-- Pledge on movables
-- Other collaterals proposed by enterprises or governments.
Interest rate may be fixed or variable. The loan interest rate is composed of LIBOR/EURIBOR plus margin.
-- LIBOR rate (London Interbank Offered Rate) is the interest rate for loans offered on the interbank market in London by 4 main banks (Bankers Trust, Bank of Tokyo, Barclays and National Westminster) – set at 11:00 a.m. of London time.
-- EURIBOR rate (Euro Interbank Offered Rate) is the interest rate for loans in the Euro area offered by one bank to another one. It is the average listing of 57 largest banks from the Euro area – set by FBE - Federation Bancaire de L'Union Europeenne in Brussels at 11:00 a.m.
The margin of Global Investors is generally up to 20 % lower than such of banks. It is similar to the bank offers only if the financing covers a project with an important financial risk. It is fixed during the term of the loan. The loan may be disbursed once or in instalments.
The commission amount that Global Investors are entitled to get due to providing the loan is from 1.0 % of the loan amount. The amount of commission depends on the loan amount and/or the financial risk. It is non-refundable and is payable once at the time of disbursing the funds. It means that the loan amount will be diminished by commission on the day of loan disbursement.
Global Investors may refuse to provide financing due to subject-related reasons, and also due to the client’s behaviour not complying with Global Investors standards.
In exchange for financing Global Investors expect that its clients will adapt to specific requirements and comply with the effective procedures. A breach of this principle makes it impossible for the client to obtain financing from Global Investors.
It is not acceptable that the clients exert any pressures on Global Investors employees in order to obtain financing. A breach of this principle may cause effects opposite to the intended ones and finally result in the refusal to provide financing.
At any time, before taking the final decision as to financing, the client is obligated to present the required documents and information. A breach of this principle may result in the refusal to provide financing.
The financing may be refused due to the client’s passive attitude, understood as lack of co-operation with Global Investors, and inactive attitude when applying for financing.
The financing may be refused due to the client’s failure to comply with declarations and statements of will presented in any form during the proceedings related to financing.
The financing may be refused due to the client’s presentation of untrue information, not complying with the actual or legal status, and hiding true information.
Global Investors may refuse to co-operate with clients suspected of committing the crime of financing extortion, economic espionage or another action to the detriment of Global Investors.
Global Investors may refuse to finance clients not having sufficient knowledge, experience and skills needed for implementation of the project to be financed.
Banking secrecy is binding on the banking market. It results from the rules and regulations concerning Banking in the place of transaction having in mind the Geneva System. Confidentiality is binding at Global Investors as expected by the clients and as deserved by them. Global Investors guarantee and ensure full protection of information about its clients, no disclosing to anyone, any time and in any form any
information containing data of the enterprise, its financial results and know-how, and also about its representatives. The principle of secrecy also covers the negotiations and talks held with the enterprise, including its technical, technological, organizational and all other information about the client.
Confidentiality does not apply to authorized state authorities.
Global Investors provide several benefits to clients compared with banks: interest rate, including margins, are usually lower than those offered by banks, faster access to financing, lack of complex procedures, and in consequence easier access to capital, and many others.
VERY IMPORTANT
(Frequently Asked Questions) :
Q: Is there any obligation if I fill out the application? A:
No. The application supplies us with the pertinent information regarding your
financing needs so we may better help you secure the capital for your commercial
real estate or business project.
Q: Why do I need to fill out the form in the first place?
A: This serves a number of purposes. 1) It allows us to obtain the basic information
about the commercial transaction your corporation is requesting financing for,
and allows us to have the basic information pertaining the options available to you
ready when we contact you; 2) allows us to filter out less than serious applicants. We feel only serious applicants are willing to submit their information to us and have us contact them, which cuts costs for us and the applicant and save us time.
Ultimately this increases our success rate in financing projects for those applicants.
Q: What's the minimum loan amount I can apply for?
A: Our current minimum loan amount is THIRTY MILLION USD.
Q: What types of properties can you finance?
A: Any type on a case by case basis.
Q: Do you work with Global Brokers, Global Private Investors and Global Bankers?
A: Yes.
Q: What types of debt financing loan structures can you provide?
A: Permanent Debt; Construction Debt; Structured Financing; Bridge Financing; Interim Financing; Mezzanine Debt and many others.
Q: Do you finance projects outside the United States, Canada, Europe and Australia? A: Yes, on a case by case basis.
Commercial Loans, Receivable Loans And Business Loans From THIRTY MILLION USD to
ONE BILLION or Larger Amounts.
--- Business Loans Of All Types
--- Commercial Real Estate Loans
--- Land Loans And Developer Loans
--- Apartment Building Financing
--- Office Building Financing
--- Industrial Building Financing
--- Storage Building Financing
--- Shopping Center Financing
--- Mobile Home Park Financing
--- Income Property Loans Over 1 Million EUR
--- Health Care Related Financing
--- Accounts Receivable Financing
--- Factoring Of Receivables
--- Medical Accounts Receivable Financing
--- Leasing Of Business Equipment
--- WE BUY MORTGAGE NOTES OVER ONE MILLION EUR
Any Transaction:
Apartment Complexes,
Business Office Condo,
Community Center,
Commercial Development,
Convenience Store,
Church, Daycare Facility,
Factory Outlet, Gas Station,
Golf Courses, High Rise,
Hospital, Hotels & Resorts,
Malls, Medical Offices,
Mobile Home Parks, Motels,
Neighborhood Center,
Regional Malls, Residential
Development, Parking
Garages, Real Estate,
Renovation Construction,
Rehabilitation, Restaurant
Real Estate, Single Tenant,
Suburban.
Mortgage Loan, Equity
Partners, CD's, Hard
Money, Construction
Loans, International
Commercial Project
Loans, Hedge Funds,
Insurance Money, Joint
Ventures, Investor
Consortium, Lines of
Credit, Overseas,
Commercial Loans,
Pension Funds, Private
Hard Money Lenders,
Private Banks, Private
Lenders, Private Equity,
Private Money,
Real Estate Lending,
Syndication, Investment
Funds, Trust Funds,
Wholesale Hard Money,
Wholesale Commercial
Mortgages, And Many
Others.
International Commercial Loans and Business Funding.
We are able to present your commercial mortgage loan to a broad spectrum of potential capital sources under the best terms and pricing that the market can
offer. Receive Current Commercial Property Loans, Private Lender Rates, and/or Business Real Estate Financing rates for your project. Commercial mortgage lender solution, originating commercial loan debt for institutional and private money investors worldwide, provides a low cost, single source solution for commercial business loans, construction loans, and other commercial property loans. Commercial real estate loans for business purpose, agricultural use, shopping centers, apartments, motels, hotels, casino, automobile dealerships, office buildings and for many other commercial purposes.
The loan interest rate is based, depending on currency, on LIBOR/EURIBOR plus margin.
In order to obtain the loan an application must be submitted. Other documents are required in order to assess the credit capacity and the value of loan collateral.
List of documents needed for Investment Loan:
1. Documents confirming the legal status; authorising to pursue business activities,
2. Description of the business activities and the business prospects during the term of financing,
3. Information concerning the applicant’s assets,
4. The financial statements for the last two full years and for the ended months of the current year,
5. The list of receivables and liabilities,
6. Opinions from other banks and financial institutions rendering services to the applicant and relating to the balance and timeliness of repaying financial liabilities owing to them by the applicant,
7. The statement on the balance of tax liabilities towards the state treasury,
8. The title deeds and the signed lease or rent agreements covering the business locations,
9. The signed contracts for sales of commodities or services,
10. Documents pertaining to the planned investment project:
(a) Business plan,
(b) Technical characteristic of the investment project,
(c) The investment project’s feasibility study,
(d) Construction permits for the investment project,
(e) Other permits and licences of the relevant authorities required for the investment project’s purposes,
(f) The study of the investment project’s environmental impact,
(g) Other documents connected with the investment project, required for the realization thereof,
11. The documents concerning the proposed loan legal collateral:
(a) Copies of entries to the land and mortgage registers of properties owned by the
applicant,
(b) The list of fixed assets that may represent collateral,
(c) The list of warehouse stock that may represent collateral,
(d) The list of contracts that may represent the subject-matter of assignment for
collateral purposes,
(e) The list of insurance agreements that may represent the subject-matter
of assignment for collateral purposes.
12. Other documents determined in the course of the review, required for the
appropriate assessment of the credit capacity to repay the loan applied for by the
applicant.
The loan is disbursed in installments upon having established the legal collaterals securing the loan. The amount of loan disbursement will be diminished by the
commission owing to DGHC Global Capital Investors, S. A. & P. for the granted loan,
in the amount set forth in the loan agreement.
The enterprises may combine various forms of financing by:
(a) The investment loan,
(b) The working capital loan
(c) The refinancing loan.
It means that the client may enjoy at the same time and on a parallel basis financing in the form of investment, working capital and refinancing facilities.
Other Funding Scenarios:
Construction Financing
Shopping Centers
Office Blocks
Medical Centers
Oil Pipelines
Marinas
Dams
Ports
Casinos
Construction & Development
Educational Buildings
Refineries
Power Plants
International Ports
Project Financing
Bridges
Toll Roads
Condominiums
Resort Developments
Film Funding
Industrial Business Centers
Commercial Buildings
Retirement & Nursing Homes
Energy Projects
Chemical Plants
Finance Mergers &
Acquisitions Office
Complexes
Beach front Developments
Mall
Hotels
Motels
City-Walk Developments
Industrial Business Centers
Low Cost Housing
Development
Acquisition Financing
Ship Financing
Aircraft Financing
Factories
Industrial Projects
Airports
Schools
Hospitals
Government Buildings
Communication
Infrastructure
Venture Capital
Resort Centers
Theme Parks
Golf Courses
Infrastructure Development
Debt Loans
Medical & Environmental Facilities
Any Transaction:
Apartment Complexes,
Business Office Condo,
Community Center,
Commercial Development,
Convenience Store,
Church, Daycare Facility,
Factory Outlet, Gas Station,
Golf Courses, High Rise,
Hospital, Hotels & Resorts,
Malls, Medical Offices,
Mobile Home Parks, Motels,
Neighborhood Center,
Regional Malls, Residential
Development, Parking
Garages, Real Estate,
Renovation Construction,
Rehabilitation, Restaurant
Real Estate, Single Tenant,
Suburban.
Mortgage Loan, Equity
Partners, CD's, Hard
Money, Construction
Loans, International
Commercial Project
Loans, Hedge Funds,
Insurance Money, Joint
Ventures, Investor
Consortium, Lines of
Credit, Overseas,
Commercial Loans,
Pension Funds, Private
Hard Money Lenders,
Private Banks, Private
Lenders, Private Equity,
Private Money,
Real Estate Lending,
Syndication, Investment
Funds, Trust Funds,
Wholesale Hard Money,
Wholesale Commercial
Mortgages, And Many Others.
International Commercial Loans and Business Funding.
We are able to present your commercial mortgage loan to a broad spectrum of potential capital sources under the best terms and pricing that the market can offer. Receive Current Commercial Property Loans, Private Lender Rates, and/or Business Real Estate Financing rates for your project. Commercial mortgage lender solution, originating commercial loan debt for institutional and private money investors worldwide, provides a low cost, single source solution for commercial business loans, construction loans, and other commercial property loans. Commercial real estate loans for business purpose, agricultural use, shopping centers, apartments, motels, hotels, casino, automobile dealerships, office buildings and for many other commercial purposes.
The loan interest rate is based, depending on currency, on LIBOR/EURIBOR plus margin.
In order to obtain the loan an application must be submitted. Other documents are required in order to assess the credit capacity and the value of loan collateral.
HARD MONEY LOAN
Loan which is offered to a borrower against the security of real estate which has to be provided to the lender as collateral. We can fund against any property type including but not limited to apartments, condominiums, multifamily, gas stations, farms, ranches, rural properties, non-income producing properties, car washes, marinas, casinos, hotels, restaurants, raw land, churches, motels, golf courses, resorts, mixed use properties, warehouses, office, retail, self storage, strip malls, mobile home parks, etc.
Borrowers credit and income is not an important criteria for these type of loans. Even the bad credit and no credit borrowers are welcome. The most important factor for approval of this loan is the borrowers own equity in the property or the real estate. If there is sufficient equity in the property, this kind of loan is always
possible.
We offer creative and flexible financing for all types of borrowers , trusts, estates, corporations, LLC's, partnerships, etc, and our private hard money lenders always can customise the Loan Programs to cover our borrowers special requirements and circumstances.
The purpose of these loans could be refinance (cash out if necessary ), acquisition, development, construction, and many others.
Borrowers suffering from credit problems like past and present bankruptcies, foreclosures, tax liens, etc, are also most welcome to approach us for funding.
Loan amounts : 30 M USD-950M USD+
Interest Rates : 9-16%(for USA and Canada) 16%-21%(for other countries)
Term : 6 months-4 years
Closing : Within 10-14 business days after receiving all the completed documents from the borrower.
Loan amount within USA should be a minimum of 1.5M USD and outside USA should be above 3M USD.
There would be no prepayment penalty if the loan is paid after six months and we have interest only options available for all of our borrowers.
We need the following documents from our borrowers end to process their loan request promptly:
1. Executive summary
2. Business plan (along with five years future profit projections)
3. Exit strategy or loan repayment plan
4. Last two years audited financial of the borrowing entity (if available)
5. Security (collateral) details
6. Source and use of funds statement
Please state the borrowers experience in the business and his own equity in the project in the executive summary.
OTHER QUICKER PROGRAMS
COMMERCIAL REAL ESTATE FINANCE
All types of difficult and hard to do commercial real estate and construction loans in USA, Canada, Mexico, Caribbean Islands, Western Europe, India, Australia and some
countries of Asia and South America. Global Investors can provide equity as well
as debt capital to our borrowers majority of whom are well reputed developers
and builders. Experience of a borrower is an important criteria for landing a
commercial real estate loan.
Property types: Multifamily, Condominium, Office, Hotel, Retail, Motel, Raw land, Golf course, Farm, Marina, Special purpose properties, Resort, Ranch, Casino, Gas station, Strip mall, Car wash, Warehouse, Non-income producing properties, Mixed use, Self storage, and many others.
We provide creative and flexible financing to our borrowers.
We do bridge loans, mezzanine loans, refinance with cash out for our borrowers which include corporations, estates, trusts, LLC's, partnerships, etc.
The rates vary from 9%-16% with terms ranging from one year to five years. Longer
terms are available on case by case basis.
DOCUMENTS REQUIRED:
1. Executive summary
2. Business plan (along with five years future profit projections)
3. Security(collateral) details
4. Last two years audited financial of the borrowing entity (if available)
5. Repayment plan
6. Source and use of funds statement Borrower must estate his experience and his own
equity in the project in the executive summary.
Stand By Letters of Credit (SBLC’s) - Cash them in for real dollars. Note: This also
applies to Letter of Credit (LC); Irrevocable Letter of Credit (ILC); and Pay Orders.
Value conversion depends on many factors, some fixed, some floating such as:
· Type of Letter of Credit varies and includes (SBLC, ILC, LC, Pay Order, etc.)
· It is Usually viewed as a SBLC is the Better Bank Instrument
· SBLCs are issued on a Bank-to-Bank Basis only
· The Issuing Bank Rating as well as location (branch) of Bank
· Who is issuing the instrument - individual, company, government, etc.
· Instrument Must Be in US Dollars only
· Bank Policy
· Market Conditions
· Client Anticipation of Return
· Place Transaction Occurs What is done with ‘Cash’ after conversion - this is
becoming a paramount issue with banks converting the instrument, the preferred and acceptable method is to deposit a portion of the redeemed funds with the honoring
bank, usually not less than 20% for a period of not less than six (6) months. Hints
· These types of Bank Instruments can be issued to individuals, corporations, trust, pension funds, endowments, non profit organizations, or to any
payable entity.
· Individuals who hold such an instrument may have problems with 3rd party transactions or banks.
· LC, ILC, or SBLC are often times issued for the sale and purchase of tangible assets.
· It is often easier to raise a 'Credit Line' than convert the instrument to
CASH!
· Fluctuating World Market Conditions set the pace and determine the trading value, if any.
· Usually most every instrument can be converted, however, some are just Not desirable Trading Instruments on the current World Market.
· Certain Required "Documentation' is needed for this type of transaction