Q.  What kind of loan programs do you offer? 
A.  We offer a variety of conventional as well as non conventional funding solutions to meet your project's unique financing needs.

Q.  Any professional reference(s) on any recently completed transaction?
A.  In the financing profession all transactions are treated with utmost confidentiality and kept that way even after completion. This is due to the liability laws and to avoid the mega million dollar lawsuits that the breaking of our confidentiality agreement in particular and our client's trust in us in general might initiate.

Q.  Are you the lender/funder/investor?
A.  We act as neither lenders nor investors, but are facilitators and providers of the unique services necessary to bring lender and borrower together for a completed transaction. 

Q.  What is an executive summary?
A.  An executive summary is a brief presentation, usually 4-5 pages, of your project's facts and figures. 

Q.  Where can a find an acceptable format of an executive summary?
A.  At our web address http://www.projectfinancing.net/es.html 

Q.  What is a business plan?
A.  Simply put, a business plan is your project's detailed facts and figures in the past, present and future time frames. 

Q.  Do I need a business plan?
A.  Yes. 

Q.  Where can I find help to make a business plan?
A.  There are books, software and hired professionals that will create a business plan for your project. 

Q.  What is the worst mistake I can make when completing my project's business plan?
A.  There are eight major mistakes: 
1) unclear explanation of the opportunity 
2) unrealistic projections 
3) weak analysis of competition 
4) mistakes or errors 
5) overstated management strengths 
6) Incompleteness 
7) Failure to describe a sustainable competitive advantage 
8) misleading information 

Q.  Can I introduce the business plan first instead of the executive summary?
A.  Due to the increasing number of projects and the limited time that we, our associates and sources can spend on evaluating each project, we always prefer to be introduced to your project briefly by examining its executive summary first. 

Q.  Can my business get an "angel"?
A.  Angels are people who offer to help out businesses, usually with loans. Angels usually have a "hot button"- something that they really, really support. If your business fits one of their hot buttons, you could be the next person they help. We have seen many sports stars, actors and actresses, and other highly visible people become ; angels. However, some angels remain anonymous. 

Q.  Are there any fees? 
A.  There are indeed related costs and fees to financing. 

Q.  When do they have to be paid?
A.  During the loan procedure and at the closing of the loan. 

Q.  Do I have to pay these fees?
A.  You are under no obligation to pay such fees until you confirm your acceptance of the loan that will obligate both you and the funder to close the deal in addition to a satisfactory breakdown of such expenses. 

Q.  What are these fees for?
A.  These fees consist of expenses and commission. 

Q.  What is the “commission” for?
A.  Commission is for assisting with your presentation, project evaluation, producing and making presentation, finding a suitable funder, negotiating for the best terms on your behalf. 

Q.  How much commission will I pay?
A.  It varies according to the level of ease or difficulty to finance a project. It is usually between 0.50% - 5.00% of the final loan amount. 

Q.  When do I have to pay the commission?
A.  At closing. It is also called "success fee" for that reason. 

Q.  What are the “expenses” for?
A.  To pay for the loan processing costs and miscellaneous expenses i.e. preparations, phone calls, faxes, paperwork, printing, photo copying etc. AND to perform the due diligence. 

Q.  How much does a loan processing cost?
A.  The amount varies from one fund provider to another. We will inform you of such costs beforehand. 

Q.  What is “due diligence”?
A.  Due diligence is the process of investigation, performed by investors, into the details of a potential investment, such as an examination of operations and management and the verification of material facts. 

Q.  What is involved in performing "due diligence"?
A.  It usually includes a site inspection, verification of assets, verification of permits, licenses, liens etc., review of all the financial (historical and projected) statements, meeting with principals and personnel in active management, evaluating the marketing strategy, examining employee agreements and benefit plans, investigating environmental issues, legal matters, foreign operations, product issues, suppliers, overlooked information sources and tax issues. The funder or his representative will also engage and/or consult with accountancy firm, law firm, construction firm, appraisal company and marketing firm. Sometimes not all of these tasks are necessary. 

Q.  How much does it cost?
A.  Due diligence costs will vary depending on the nature, size and location of the project. The costs will include, but not limited to, flight to and accommodation in the country where the project is located and the legal and the professional fees. 

Q.  Why doesn't the funder pay for due diligence?
A.  The due diligence cost is normally the borrower's responsibility. Funders receive a few projects a day from all around the globe- of which yours will be one. Once you realize the huge amount of money that they will have to spend on investigating each project that shows promise every day of the year, It becomes clear why they will not adopt such practice. It would be impossible to pay for so many projects’ due diligence expenses on daily basis. 

Q.  Others promise the money and guarantee closing, can you offer me such security before I pay any expenses?
A.  No. This is false security. In the financial world there are no guarantees or promises. The only security you can have is when the money is in your company's bank account. We suggest if any individual or company offers you such false assurances that you should walk away from whatever they are assuring you of. If we could offer such a guarantee we would not have the need to perform the due diligence. 

Q.  How do I know if the funder is a genuine one?
A.  We always advise and invite our clients to conduct their own due diligence to verify to their complete satisfaction the authenticity of our funding sources. Our clients will have an ample opportunity to do so. 

Q.  Who are your funding sources?
A.  Private funds, public funds, banks, insurance companies, private lenders, private investors, joint venturers, investment companies, investment groups and private fund authorized representatives. 

Q.  Where is the loan coming from?
A.  The loan will come from the sources mentioned above. In many cases it takes more than one source to get the full loan amount that your project requires. 

Q.  Is that money legal?
A.  Absolutely. The funding sources we deal with are internationally well known and are legally registered in their respective countries. 

Q.  Is international financing different from regular bank financing?
A.  Yes. International financing has the following advantages: 
Lower interest rates, less security, less collateral, options for principal forgiveness, faster closing and better terms and conditions in general. 

Q.  Why is my bank not offering me the same deal?
A.  Banks must abide by the international banking rules and regulations. However private investors, private lenders and international traders do not have the same rules and regulations. More importantly, banks do not offer creative financial solutions for your unique funding situation. 

Q.  How can your sources offer such a good deal?
A.  They use international trading programs as their leverage for making a loan and/or offer the security the bank needs to approve the loan. 

Q.  What does a funder use for the trading program?
A.  The international funding sources will use the client's personal guarantee, contribution or financial instrument (cash, L.C., CD etc.) or their own funds and securities to buy treasury bills, secured investments, well established stocks & funds etc..

Q.  Why enter a trading program?
A.  In order for the funder to protect his investment against: 
1) Currency fluctuation.  2) Political upheavals.  3) Project's lack of resources.  4) Lack of security and collateral. 

Q.  Do the funder or I have access to my funds or collateral?
A.  No. The funds will be blocked (inaccessible) for both the funder and the client for a certain period of time that will not exceed the term of the loan. 

Q.  Where will my contribution be kept?
A.  In your own bank or a major bank of your choice in your own account under your own name for safekeeping. 

Q.  Will I be exposed to any losses?
A.  No. 

Q.  Are these trading programs safe?
A.  International trading of such capital instruments on behalf of clients has been going on for the past 64 years with extremely excellent results and a substantially impressive track record. 

Q.  Do I get a share of the profits?
A.  No. However, some funders offer you some options that will decrease or in some case eliminate the payment of the amount of principal you borrowed over the term of the loan. 

Q.  Do you offer any other loan programs?
A.  Yes. 

Q.  What about a conventional Loan from a bank or other financial institution? 
A.  We offer a variety of conventional as well as non-conventional funding solutions to meet your project's unique financing needs.

Q.  What would I need for a bank or a none-trading loan program?
A.  100% financial guarantee or a higher percentage of assets. 

Q.  What do I need to provide such security?
A.  Existing personal or corporate assets, bank guarantee, insurance guarantee and AAA bonds or similar. In some cases a combination of 2 or more of such securities will be required. 

Q.  How can I offer my existing personal and/or corporate assets as security?
A.  An acceptable, reputable and internationally well recognized appraisal company that meets the standards required must appraise such assets. 

Q.  How can I get a bank guarantee?
A.  There are well known companies that will provide an acceptable bank guarantee from one of the top 100 banks in the world. 

Q.  How much does a bank guarantee cost?
A.  We do not arrange such a guarantee therefore we do not know for a fact. But some of our clients were required to pay 1-2% for a guarantee for one year plus expenses and commissions. 

Q.  How can I get an insurance guarantee?
A.  The funder or we can arrange the insurance guarantee. 

Q.  How much does the insurance guarantee cost?
A.  The cost during the first year is around 6-6.5%. Following years are usually around 2.5% per year. However, we always encourage our clients to seek other sources if they find them less costly. 

Q.  Can the cost of the insurance guarantee be added to the loan?
A.  Yes.

Q.  Others promise the money and guarantee closing, can you offer me such promise?
A.  No. This is false security. In the financial world there are no guarantees or promises. The only security you can have is when the money is in your company's bank account. We strongly suggest if any individual or company offers you such false assurances that you walk away from whatever they are assuring you of.