TERM:
Flexible loan term ranging from 1-5 years

PREPAYMENT:
For Single Family Residences up to 1-4 units will require a 1yr. term, standard pre-pay terms apply. Commercial loans are all dependent on value and requested term. They will be looked at on a case-by-case.

USE OF PROCEEDS:
Loans are made for business purposes only.

LOAN TO VALUE:
Loan amounts can be up to 50-75% of the market value of the collateral, based on the estimated cash sale price given a 90-120 day marketing time. If the loan is used for renovation or construction, the loan amount can be based on the improved value, and would be disbursed in stages.

RATES:
Rates vary from 12-18% interest only, depending upon collateral and loan structure. Internationally, rates vary from 15-18%, depending on country.

EQUITY:
In lieu of equity participation, a fee to be agreed upon may be included in the loan.

LOAN SIZE:
From $100,000 up to no limit. Must be at least $3 Million
for international loans.

COLLATERAL:
Real estate and other fixed or liquid assets.