FINANCIAL SOLUTIONS
We work with a wide range of businesses in all basic sectors. There are no barriers to funding as long as certain basic requirements are met. Contact us directly to discuss funding for your business.
BUSINESS FINANCE SOLUTIONS
Corporate finance can help businesses grow, increase productivity and improve financial performance. We focus on SMEs seeking capital on favourable terms. Short- and long-term loans are available with fixed interest rates and flexible repayment terms. Small, medium and large businesses can obtain the liquidity they need to successfully implement their business plans.
How unsecured loans work?
The lender is able to offer unsecured loans to businesses by partnering with one or more providers of reliable financial instruments, as we discuss below.
Fresh Cut BG: Letters of Guarantee issued by high investment grade banks AA+
SBLC: Letters of Credit issued by high investment grade banks AA+
POF: Promissory notes issued by high investment grade banks AA+
MTN: Bonds issued by high investment grade companies
Bonds: Bonds issued by high investment grade governments
Financial instruments – bank guarantees – allow the lender to cover the capital lent without requiring the borrower to provide assets or a personal guarantee, as they are a reliable means of protection for the lender.
In particular, Fresh Cut BG, SBLC and POF are guarantees that can be used to cover the risk of non-repayment of a loan. MTNs and Bonds are securities that can be sold to cover the risk of non-repayment of a loan.
Therefore, by partnering with reputable providers who can offer these financial instruments, the lender can offer unsecured loans to start-ups and existing businesses that often find it difficult to secure loans from traditional banks. Remember that financial instruments/bank guarantees can be monetised by a lender at any time if the borrower defaults. Monetisation is a process whereby the lender converts the value of the letter of credit into money.
Here are some examples of how the lender can use these financial instruments to cover its capital and provide unsecured loans:
It can use a Fresh Cut BG to guarantee the repayment of a loan to a start-up business.
It can use an SBLC to obtain an advance from an existing business before making a loan to it.
It can use a POF to guarantee the payment of interest on a loan.
It can use an MTN or bond to cover the principal of a loan and not have to take money from the borrower.
Providing unsecured loans to start-ups and existing businesses is a profitable activity for the private equity lender as it gives it a competitive advantage over other lenders who provide loans secured in the traditional way. However, the lender assesses its borrowers carefully and takes all necessary measures because the risk of default is higher on an unsecured loan.
Equipment finance and leasing
Equipment finance and leasing solutions can help businesses get the equipment they need. They are available to different types of business, including small, medium and large businesses in all sectors. Any type of business can get equipment finance and leasing if they meet the necessary requirements. If you are looking for equipment finance and leasing, check out our funding plan which can cover all your business needs.
Retail credit finance
Securing trade receivables can help businesses increase sales and improve cash flow. The flow of goods from the manufacturer to the retailer can be effectively financed with loan guarantees, giving retailers the capital they need to buy products that meet customer demand. If you are looking for funding for your retail business, check out our funding plan which can cover all your business needs.
Property development finance
Property development finance, from the purchase of land to the implementation of a development plan, can help investors achieve their goals and increase the value of their assets. Funding can cover the full cost of purchasing land, allowing investors to acquire property in strategic locations without having to use their own funds. If you are looking for property finance, check out our funding plan which can cover all your business needs.
Energy efficiency financing
Energy efficiency financing is an important way for businesses and households to reduce their energy costs and help the environment. Energy costs can be significantly reduced by installing energy generation systems from alternative sources. However, implementing such projects requires significant capital. If you do not have the necessary capital, check out our funding plan which can cover all your business needs.
Healthcare financing
Healthcare financing is essential to providing quality services for all. Competitive funding solutions can help companies and institutions cover equipment costs, upgrade infrastructure or fund healthcare research and development activities. If you are looking for healthcare capital, check out our funding plan, which can cover all your business needs.
Agricultural risk finance
Agricultural risk financing can address the unique needs of agricultural production and agribusinesses. Agricultural risk financing helps farmers and ranchers manage various risks by providing access to capital. This allows them to invest in protecting their business, improving profitability and managing through difficult seasonal periods. If you’re looking for agricultural risk financing, check out our funding plan, which can cover all your business needs.
Our fee is paid when the loan is disbursed. Once the loan agreement is signed, all obligations are the sole responsibility of the parties involved. All transactions between the lender and the borrower are made via Swift MT103s at the bank coordinates specified in the loan agreement.
