Frequently Asked Questions
Within the following material,
we will try to answer most common questions raised by borrowers. Anyhow,
we will be pleased to an answer any question raised by a borrower to
cover all aspects of this business and make all matters clear to
1) Who you are?
We are an international
consulting firm with extensive expertise specializing in providing
suitable business and finance solutions to clients worldwide. We are
mainly engaged in the business of securing suitable funding solutions,
both equity and debt, to projects which are legal and are in accordance
with the laws of the countries involved.
2) When you were
3) What types of projects
you can handle?
Since we are working actively
with a large number of lending sources like banks, investment companies,
venture capital, pension funds, insurance companies and private
investors, we are able to serve almost all types of projects which are
4) What types of
collateral a lender will accept?
There is no limit to the kind of
collateral a borrower can offer in order to secure a loan. The
collateral varies according to the industry of the project and with the
willingness of the lender to accept the proposed collateral. The
collateral value should cover the loan amount, interest amount,
administrative and legal fees.
5) In which currencies
loans can be made?
Usually we arrange finance
facilities in three major currencies, US Dollars, Euro and British
Pounds. In some cases other currencies can be made available for the
6) How long it will take
you to respond a borrower?
Usually, we will respond within
2 to 3 working days.
7) How the business plan
should be structured?
The business plan should be
prepared in English and must include information which meets the
acceptable industry standards including but not limited to the Executive
Summary, detailed description of the project, detailed information on
the product, analysis of the market, project loan requirements and
proforma project costs, anticipated 5 years profits, project management
team, outside contractors including past experience, key personal and
advisors and company financial statements if available.
8) Who is qualified to
apply for a loan?
Loans are available to all who
need capital including small entrepreneurs, new and growing companies,
small, medium and major corporations. Capital is available for all types
of legal and commercial purposes.
9) For how long a loan
can be made?
A loan can be made up to 20
years with the possibility of a 5 years extension based on a mutual
agreement between lender and borrower.
10) What are the lender's
Usually a lender will charge
between 0,5% and 2,5% fee which will be deducted from the loan funds at
closing. This fee is set to cover the lender's legal and administrative
expenses incurred while processing the loan transaction.
11) What are the expenses
to be paid before closing?
All costs, charges and expenses
reasonably incurred while processing the loan application transaction
should be covered by the borrower. Borrower shall cover the cost of the
due diligence a lender will have to carry out in order to verify that
all documents and information supplied by the borrower are correct and
the project is viable. Beside the due diligence cost, borrower will have
to pay us a processing fee which will be paid to us through an escrow
account at the time we obtain the lender's initial loan approval.
12) What is the ''due
The due diligence is usually a
process structured to gather the critical facts and descriptive
information regarding a project seeking capital. During this process the
lender will validate all documents and information submitted by borrower
before final loan approval and loan closing.
13) What are the maximum &
minimum amounts you can handle?
We can handle transactions
starting from as minimum as US Dollars 1 million and up, without limits.
In some cases smaller amounts can be considered but on case by case
basis. Trade finance can start from very small amounts.
14) How the interest rate is
The interest rate is subject to
the currency involved, loan period and the general rating assessed on
the borrower and security that is being tendered. Such rates are being
calculated either on an agreed percentage over the interbank or prime
rates or alternatively on a fixed rate throughout the period of the
15) What are the terms for
interest & principle repayment?
The interest payment can be made
quarterly, semi-annually or annually. As far as the principle amount is
concerned, the principle amount can be paid with or without amortization
payments during the period of the loan or on maturity. A reasonable
grace period for the repayment of the borrowed capital can be granted if