Global Investors provide several benefits to clients compared with banks: interest rate, including margins, are usually up to 20 % lower than those offered by banks, faster access to financing, lack of complex procedures, and in consequence easier access to capital, and many others.O p p o r t u n i t y + F e a s i b i l i t y + E f f o r t = S u c c e s s
G l o b a l B u s i n e s s D e v e l o p m e n t a n d P r o j e c t
F i n a n c e
Commercial Loan Commitment, Partnership Commitment, Joint Venture Commitment & Development Agreements. Global Large Scale Development & Construction Loans, Partnerships & Joint Ventures. DHC Global Investors provide several benefits to clients compared with banks: interest rate and margins, are usually up to 20 % lower than those offered by banks, faster access to financing, lack of complex procedures, and many others.
UNIQUE PROJECT FINANCING (Minimum Thirty Million USD): Real Estate Projects, Energy Projects, Mining Projects, Infrastructure Projects, Projects supported by Secured Instruments (World Top 25 Banks), Projects with special sense and profit potential over 50%. Development, Construction, Infrastructure, Oil refineries, Power Plants, Commercial ships, Oil tankers, Cargo ships, Cruise ships, Ethanol Projects, Commodities, Precious Metals, Stone Portfolios, Super Jumbo Residential Loans over THIRTY MILLION USD, etc…
VERY IMPORTANT: Applicant must have liquid funds equivalent to at least 15 % of the total cost of the project ( In countries with higher risks at least 20-25 %). Likewise Applicant must provide proof of such liquid funds (Client's bank or banks statements). Example: If the total cost of the project is 140 Million USD, Applicant must provide proof of liquid funds for the amount of 21 Million USD. No exception to this rule which is the most important condition in order to provide the commitment or the letter of intent (LOI) and to continue the process toward funding.
• Worldwide Project Financing
• Funding from $30 Million USD to $500+ Million USD
• Funding in 45 to 60 banking days with total requested documents
• Financing approvals within 72-96 hours after total requested documents has been provided.
• Rates between 6.5% - 12.75% 1-30 year fix. Interest Only, NO PPP. Total fees and charges are never more than 6 % of total funding and are settled on a case by case basis during the process. Note: these terms could vary for better or worse.
• No minimum credit requirements
• Borrower must provide a solid business plan and exit strategy
• 15-25 % Applicant Cash Contribution into the deal is required
DOCUMENTS REQUIRED
Applicant who understand the importance of good documentation and good collateral, willalmost always obtain good financing and excellent interest rates, no matter how large the loan is, and no matter what the purpose. It is essential that the applicant think "from the Lender's point of view. " If you were a Lender, you would want to be absolutely sure that you would be repaid your money, even in the extremely rare or worst case of a disaster, bankruptcy, etc., by the borrower. Give the Lender maximum confidence and assurance that he will not lose his money by lending to you. He should feel comfortable with the lending of his money. Selection of the funding source depends on what kind of project applicant may have, the amount of money that is requesting and the risk factor associated with his venture.
In order to be considered for funding Applicant must provide the following:
PROJECT SUMMARY
( This is the key step before the Loan Commitment or the Partnership Commitment or the Joint Venture Commitment. Please fill this form out completely. Do not leave anything blank).
This Summary must be signed by a person who has been officially authorized by company's Board of Directors.
1- General Information.
(a) Todays Date:
(b) Project Name:
(c) Corporate Activity:
(d) Date of Incorporation:
(e) Exact amount of funding needed (USD):
(f) Type of Project (Development, Acquisition, Construction; if other please explain):
(g) What type of financing is being requested? (Conventional Debt Financing, Equity Partner, Hard Money Loan, Mezzanine, Other; if other, please explain):
(h) Is all the money needed in the first tranche?. How many phases are there?:
(i) If Real Estate, How many Acres?. Entitled or Raw?. Construction?. Mining Assets?:
(j) Was there an appraisal done?. Value Now?. Projected Value?:
(k) LTV Sought?:
(l) Does this project have a pending purchase contract?. Amount of deposit made?.
Expiration date?:
(m) Amount of Debt currently on the project?. When does the note mature?. Is Payoff
Required?:
(n) What is the Physical Address of the project?:
2. Please add to the package official letters and/or bank statements as evidence (Proof of Funds) that Applicant(s) can provide liquid funds for at least 15 % of total costs of the project (20-25 % for countries under higher risks).
3. Principals
(a) Amount of Equity Contribution of each Principal. What was it used for?:
(b) Are the Principals in a strong financial situation?:
(c) Do the Principals have financials?:
(d) What are their liquid assets?:
(e) Net worth of each Principal?:
(f) Income of each Principal?:
(g) Expenses of each Principal?:
(h) Monthly cash flow of each Principal?:
(i) FICO Score of each Principal?:
(j) Amount of Liquid Funds available to secure this transaction?
(k) Are Principals, Developers, Builders, experienced for this type of project?:
(l) What is the management's background for this type of project?:
(m) What projects or developments have the Principals completed?:
(n) Do the Principals propose to hold the project for investment or sell the project after completion?:
(o) What is the desired payback period?:
(p) Are there any special term requested?:
4. Further information about the project.
(a) Projected Net Operating Income:
(b) State all the collaterals provided. Are there any other assets for cross-collateralization?:
(c) Who else has the borrower applied to?:
(d) How long has the borrower been seeking financing?:
(e) Has the borrower ever been turned down for this loan?. If so, for what reason?:
(f) What is the status of all the necessary government approvals to begin the project?. What is left to complete to obtain such and what is the approximate time-frame for such approval?:
(g) Please provide name of project contractor and experience (Include Performance Bond Capacity):
(h) Please provide info on Marketing Company or Management Company if project is to be operated and held after completion:
5. A professional-quality and complete Executive Summary. It must be at least
15 pages, preferably more (15-20 is acceptable for an Executive Summary). It must contain a detailed description of the project.
6. A professional-quality and complete Business Plan. It must be at least 60 pages,
preferably more (60-100 is a good size for a full Business Plan).
7. Pro Forma (it must contain contract agreements and a detailed statement articulating the expected value of Project at completion of construction).
8. Financials, including financial projections.
9. Background information and Resumes on management team and experts. Biographical
and Curriculum Vitae of the development team (including builders, engineers, architect, master planner, etc). Development team prior experience with this type of project.
10. Cost estimates.
11. Organizational Chart.
12. Expected Itemized use of funds.
13. Description of project and/or product.
14. Time estimates for completion of construction and critical dates and/or special
circumstances which must be met for the project.
15. Bank Guarantee or other collateral instruments (copy of any document provided by the issuer bank or banks (top 25 banks); and/or Letter of Intent to Supply the instrument from a rated institution; and/or Letter of Intent to Fund or Loan Offer Already issued by a Lender.
16. Other available documents to support Security/Collateral. Evidence must prove that applicant has the Security or Collateral to guarantee the principal and the interest on the loan.
If applicant has a standby letter/line of credit from a Top 25 bank equal to or greater than the loan request, that is the best of all, applicant must include all documentation provided by the guaranteeing bank.
17. Marketing Plan.
18. Market Feasibility and Exit ( repayment of loan) Strategy. Description of the exit strategy planned for project and documentation available to reinforce that said exit strategy is feasible.
19. Bank References. Please, be detailed.
20. Other relevant information for the Lender or Investor.
21. Further about Loan.
Loan amount requested for total project:
Total project cost:
Cash provided by applicant to cover total project cost:
Construction time frame:
Estimated as Complete Value:
22. Property Information
Property type:
As is:
As complete:
City:
State:
Country:
Purchase Price:
Borrower’s cash investment in this property to date:
Borrower’s current debt against this property:
Current status of debt:
Current status of the land:
Are there approvals to build such project in place?
How fast can we move project if the funds were in hand now?
Please give a breakdown of the project to the sum of 100% total
Commercial:
Residential: How many units total:
Other: Please explain if other:
Pre-sales: if any, who will finance it and what is the strategy for such pre-sales?
23. Budget for Subject Property
Gross Income:
Total Expenses:
Total estimated projected profits by year:
What estimated interest rate reflects such projected profit?:
24. Please provide Draw Schedule: a detailed monthly statement articulating the scheduled draws of funds required to finance Loan (If you have a detailed monthly draw schedule please send it). Please include DHC's Fee ( 2 % of the proceeds ) as a part of the first draw. Please list your estimated first 3 draw amounts:
Land cost or land option cost:
If land option how many months until balance is due:
Month 1 estimated draw:
Month 2 estimated draw:
Month 3 estimated draw:
25. Please provide Sources and Uses: A detailed statement articulating the sources and uses of funds requested for Loan. Please include DHC's Fee ( 2 % of the proceeds ).
26. Please provide Risk Assessment and Management. Each project carries with its specific risks that must be identified, analyzed and managed so that the project can come to its optimal completion. Please be as detailed a possible.
By executing this application, I, the borrower, solemnly swear that all of the statements made in this submission are true to the best of my knowledge.
Business Name and official address:
For and on behalf of Principal For (project name):
By (Principal):
VERY IMPORTANT: DHC 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 Investors do 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 (amount of 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