Greetings from the beautiful San Francisco Bay Area where it’s blazing hot, if you’re looking for warmth this is the place to be.

Dale and I have been hard at work on the websites 20 hours a week. I’m at his recording studio from 5:30PM to 8:30 PM M-F and 1:30PM to 8:30PM Saturday. We walk aerobically six days a week for 45 minutes a day.

You may post questions concerning this newsletter at http://bit.ly/supportcalls

Answers To This Weeks Questions

Members Access Weekly Support Calls Register for a session now by clicking a date below: Fri, Sep 25, 2009 9:30 AM – 10:30 AM PDT Fri, Oct 2, 2009 9:30 AM – 10:30 AM PDT Once registered you will receive an email confirming your registration with information you need to join the Webinar. System Requirements PC-based attendees Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista Macintosh®-based attendees Required: Mac OS® X 10.4 (Tiger®) or newer

Be sure to check the new Business Line of Credit Application at http://www.workingcapitalfast.com under Applications on the far right side of the website.

This came in from BLOC Source D, our Jumbo Business Line of Credit provider September 15, 2009:

Hector

Sign up on FeedBurner and receive every article that I write depending upon your Club Level.

I just cut and pasted a little bit of the front page. There is a tremendous amount of content. I add posts a couple of times a week. We have one application up for business and personal lines of credit and will be adding more applications in the weeks to come.

Eventually all of our applications will be there but it’s a monumental effort to get done as evidenced by the fact that it took Dale and I six hours working together yesterday just to post  the one application and make the video explaining how to complete it properly.

Subscribe to our websites under Resources, buy our Products and Services. Refer your clients, friends, family, and even your competitors.

Business Line of Credit Providers

We have several providers. We just got a foreign national approved for funding Saturday. I just about fell off my chair. It’s not cheap: he’ll pay 20 points back end for business lines and 30-35 points back end for personal lines but it’s funding. If he follows instructions he’ll qualify for additional funding in about a year and that won’t cost any back end fees.

We have three programs currently that are open with no front end fees that will allow $50,000 to $500,000 in funding.

We have two programs with hefty front end fees that will fund $250,000 to $5million.

We have our potent http://www.joetufo.com/powerfunding lender compliance “lender get ready” program that retails for $1.750, the best buy in the industry. Why not invest in having a former Dunsright certified Dun & Bradstreet manager examine your business and personal client profile and assist you in obtaining the funding you need? It only takes a few days and streamlines the funding process.

Here’s some information this source just sent me:

We are proud to be the pioneer of a new breed of corporations that are beginning to surface the marketplace.
This breed of corporation is the middle ground between actually purchasing a fully functioning business and alternatively the purchase of an aged / shelved or even an existing corporation.

These are corporations purchased from business owners who have since left the industry or are in a different line of business altogether. The critical difference is when we acquire the corporation itself – you see, if we take control over the corporation when it is in active business, we are purchasing the assets (usually being limited) and the liabilities (which are much greater).

On the other hand if we wait to purchase the corporation, it becomes an aged or shelved corporation and eventually, it becomes defaulted or revoked. Due to the timing of the purchase, the legal indemnification process to protect the future owner and filings with the Secretary of State, allows us to uniquely introduce a new breed of corporation.

The following corporations or LLC’s come with:
PAYDEX score of 80
A pre-registered line of business and in some cases an EIN
A Website with a payment portal for whatever service or product that company sells
A toll-free customer service number with a business mailing address
A Secured and in some cases unsecured lines of credit awarded against the corporation
With the way these corps were run and with some updating, we were able to get them approved for the funding. If you or your client does not obtain funding we issue back all the money they paid to us. The conditions to the guarantee are in the agreement that will be following this shortly.

THESE CORPORATION COME WITH 100% money-back guarantee

HERE IS A LIST OF THE CORPORATIONS FOR SALE:
Going and gone e-auctioneers
This is a 3 year old corporation that has PAYDEX score of 80, pre-registered line of business and in some cases an EIN, A Website with a payment portal for whatever service or product that company sells, A toll-free customer service number with a business mailing address, business plan and executive summary, 4 Million dollars with 70-125% LTV (Depending on location and other mitigating factors will determine LTV where the lowest is 70% and the highest being 125% towards the purchase of an existing income producing business entity or property. It is also approved up to $100,000 from Wells Fargo/Wachovia.
Fast Facts:
4 Million dollars in secured / hard money
100-200k in unsecured lines of credit
Funding will occur in 60-90 days and unsecured may occur in as little as 7 business days.
$50,000
Strom and Strom Business Services
This is a 5 year old corporation that has PAYDEX score of 80, pre-registered line of business and in some cases an EIN, A Website with a payment portal for whatever service or product that company sells, A toll-free customer service number with a business mailing address, business plan and executive summary, 10 Million dollars with 70-125% LTV (Depending on location and other mitigating factors will determine LTV where the lowest is 70% and the highest being 125% towards the purchase of an existing income producing business entity or property. It is also approved up to $100,000 from Wells Fargo/Wachovia.
Fast Facts:
10 Million dollars in secured / hard money
100-200k in unsecured lines of credit
Funding will occur in 60-90 days and unsecured may occur in as little as 7 business days.
$60,000
C and MJ Cleaning Services
This is another 2 year old corporation that has PAYDEX score of 80, pre-registered line of business and in some cases an EIN, A Website with a payment portal for whatever service or product that company sells, A toll-free customer service number with a business mailing address, business plan and executive summary, 1 Million dollars with 70-125% LTV (Depending on location and other mitigating factors will determine LTV where the lowest is 70% and the highest being 125% towards the purchase of an existing income producing business entity or property. If the new owner has a good credit score, low debt, little to no inquiries and no derogatories on their personal credit report, the new owner may also collect up to $100,000 from Wells Fargo/Wachovia.
Fast Facts:
1 Million dollars in secured / hard money
100,000 in unsecured lines of credit
Funding will occur in 60-90 days and unsecured may occur in as little as 7 business days.
$28,000

2 year old company, PAYDEX score of 80, approved for 100k with WF/WACHOVIA $25k
2 year old company, PAYDEX pending, approved for 100k with WF/WACHOVIA $20K

As always everything is priced at our cost. You need to add our commission on top of these fees.

CREATIVE FUNDING SOLUTIONS FOR INTERNATIONAL PROJECT DEVELOPING AND INVESTING

ACKNOWLEDGEMENT

OF LENDING GUIDELINES AND PROCEDURES

Our Bank Instruments, as specified and agreed upon by contract/agreement, are assigned in personal or corporate name and are primarily used for provision of a project, commercial endeavors, balance sheet and credit enhancement. The Bank Instrument is made available as an enhancement instrument only.

Applicant/Borrower may assign the rights to use the Instrument. However, ownership will not be transferred. Borrower is not permitted to sell or pledge the Instrument. If Applicant/Borrower wishes to sell/pledge the Instrument, arrangements can be made with the banks congruent with banking rules and regulations during any time of the validity of the Bank Instrument.

If Applicant/Borrower intends to use the borrowed instrument as collateral, Borrower’s Bank must undertake, by Swift, the irrevocable commitment to return the Instrument unencumbered, free and clear of any debts or claim.

We offer the following options in conjunction with our Bank Instrument leasing program:

• Application for Lending without Pre-Advice (with option to receive the POF/CD as per separate procedure)
• Application for Lending with Pre-Advice (with option to receive the POF/CD as per separate procedure)

Borrower may only contract to lease one instrument at a time. Upon successful completion of first leasing transaction Borrower may contract to lease another instrument.

1. SPECIFICATIONS

As Borrower, you will be assigned a quoted Bank Instrument from a major international bank, assigned directly into your name.

Applicants must be professionals who are familiar with how to use such an instrument. We do not educate or provide any advise as to how one can incorporate such a financial confirmation into his financial plans.

1. TOTAL AMOUNT/AVAILABILITY

Minimum/Maximum: Transactions from a minimum amount of 10,000,000.00 USD or EUR are acceptable immediately, subject to approval of the Applicant/Borrower, availability of Applicant/Borrower funds, and on a first come first serve basis. For instruments having lower face value amount, it is requested the unconditional payment of the service fees be made by Swift wire transfer.

1. TYPE OF INSTRUMENT AND RETURN OF INSTRUMENT TO LENDER

Depending on availability, the Bank Instrument/Collateral being offered is in the form of Certificate of Debt and can be an MTN, BOND, NOTE, CD or TREASURY BILL. Applicant/Borrower must return the Bank Instrument unencumbered to the Lender 15 days prior to its maturity date or purchase it. It is possible to extend the Lending period for another five years (yearly cost remains the one of first year) with 15 Pre-Advice days.

1. TREASURY BILL TRANSACTIONS

TREASURY BILL transactions must be for a minimum amount of USD 200,000,000 and maximum of USD 1 Billion unless specially negotiated.

Lender will not arrange for the call option but the Lending Agreement will foresee the Pre-Advice, to the same conditions of other Bank Instruments as per point 6. below.

Payment of lending fees for T-Bills, if it is made by promissory notes, cost of bank charges for PN discount must be added to the Lending fees (as of today approximately 5.00%)

1. FEES

Credit Enhancement Bank Instrument is available at …% of face value lending fee PLUS 2% of Face value intermediaries fees (as per ATTACHMENT 1), for the duration of 1 Year. (365 days)

All contract changes after initial lending contract is issued will cost a fee of USD 8,000.

All call option, reservation, administrative, Pre-Advice, and extension fees will be paid to designated dispersal agency prior to submittal to Lender. These fees are fully refunded upon successful transaction.

1. PRE-ADVICE REQUEST

The Lender is ready, willing and able to organize the delivery of a Pre-Advice Swift MT999 or MT 799 – (This will not be sent from a US or European bank for non-solicitation regulations) – to the Borrower’s designated bank, after the payment to a lender designated clearing account in the amount of USD 160,000 for delivery of Bank Instrument –OR- USD 275,000 for delivery of POF/CD, (If interested in POF/CD please speak to your provider agent) to cover the banking expenses of the bank that will organize the delivery of the Pre-Advice Swift. Swift transmission will be:

• MT999 direct to Borrower designated bank, only if banks do not have same correspondent.
• MT799 direct to issuing bank correspondent in the Country where the Borrower bank is located, for final delivery to the Borrower bank.
• Pre-Advice can also be sent through certified email at a cost of USD 85,000.

This money will be refunded after successfully closing the transaction or Borrower has the right to deduct the above mentioned amounts from the service fees total amount.

1. COMMENCEMENT OF LENDING TRANSACTION

First, a full application Package is to be received by a Ready Willing & Able (RWA) Borrower.

A Ready Willing & Able (RWA) Borrower is a Registered Corporation, which must be ready to send the following Documents:

• Lending Application Forms with copy of the signatory passport
• Signed, 2% of face value, facilitator’s irrevocable master fee protection agreement (IMFPA)
• Project Executive Summary’s letter. (2 pages maximum)
• Signed Guidelines & Procedures Acknowledgement Letter
• Signed Request for Lending & Non Solicitation Letter
• Signed ICC NCND Agreement
• Copy of the Corporation Certificate of Registration.

Second, (After application approval) the Lending Agreement will be sent for signature along with the invoice. One invoice will cover the call option, reservation, and administrative fee. See below for appropriate amount:

FOR INSTRUMENTS WITH A FACE VALUE OF:

UP TO 499 MILLION, THE SETTLEMENT FEE IS USD 72,000

FROM 500 MILLION TO 999 MILLION, THE SETTLEMENT FEE IS USD 80,000

FOR INSTRUMENTS ABOVE 1 BILLION, THE SETTLEMENT FEE IS USD 88,000

FEES ARE ALWAYS PAYABLE IN USD, NO MATTER THE DENOMINATION OF THE INSTRUMENT

This money will be refunded after successfully closing the transaction or Borrower has the right to deduct the above mentioned amounts from the service fees total amount.

receiving a Pre-Advice of invoice with all details of the Bank Instrument, Corporate Deed of Assignment, Bond Power if requested, confirmation of Euroclear, printout of Clearstream, Bloomberg or Security Card of the Stock Exchange where the instrument is quoted, issuing program prospectus of the bank when available, in order to permit the designated Borrower’s Bank Officer to check and authenticate the instrument.

b) The designated Lender’s bank simultaneously will send a confirmation of his RWA to deliver the above mentioned Bank Instrument. This confirmation will be sent directly to the Borrower’s designated bank by Swift MT999 or by SWIFT MT799 through an official correspondent bank of the Borrower’s bank. The Lender’s Bank Officer will exercise the necessary due diligence function by a certified banking email and the Borrower’s bank will confirm his RWA to receive the above mentioned instrument to close the transaction and his awareness about the transaction by Swift. Every instrument is scree-able in Euroclear, Clearstream or Bloomberg systems.

1. DELIVERY OF DOCUMENTS WHEN NO PRE-ADVICE IS FORESEEN IN THE AGREEMENT

After signing the Agreement and upon completion of the wire transfer of the above mentioned amount, within 48 hours, the LENDER will reserve the tranche of the above mentioned banking instruments by the Clearing and Settlement Company (Lending Manager). Followed by the Borrower receiving a Pre-Advice of invoice with all details of the Bank Instrument, Corporate Deed of Assignment, Bond Power if requested, confirmation of Euroclear, printout of Clearstream, Bloomberg or Security Card of the Stock Exchange where the instrument is quoted, issuing program prospectus of the bank when available, in order to permit the designated Borrower’s Bank Officer to check and authenticate the instrument.

1. PAYMENT OF FEES

The Borrower must provide proof of payment for service and lending fees, no later than 20 calendar days from Pre-Advice of Pro-forma Invoice date, made through one of following documents which contents cannot be amended:

• Conditioned ICPO (irrevocable corporate pay order) endorsed by Borrower’s bank (attachment 2) or

• Bank Backed Promissory Notes (attachment 3), which expiration dates will be negotiated between the parties, (having the endorsement per avail of an acceptable bank) or

• Conditioned Swift MT103 or MT700 (attachments 4 and 5)

No other payment terms and conditions, no deductions from any profits that Applicant/Borrower expects in the future or from a loan, are acceptable.

Lenders are not willing to evaluate joint venture arrangements or change any of these conditions.

If POF/CD is requested: Applicant/Borrower must pay the Lending fees by a bank backed promissory note (which expiration date will be negotiated between the parties) to be discounted by a provider bank against delivery of a proof of funds certification (this option must be declared in the application

1. DELIVERY OF DOCUMENTS WHEN PRE-ADVICE IS REQUESTED

a) After signing the Agreement and upon completion of the wire transfer of the above mentioned amount, within 48 hours, the LENDER will reserve the tranche of the above mentioned banking instruments by the Clearing and Settlement Company (Lending Manager). Followed by the Borrower

form as it foresees issuance of two agreements (Lending and discounting agreements). If interested in obtaining POF/CD please ask your leasing agent for procedures and details.

Payment of Lending fees for T-Bills, if made by promissory notes, then cost of bank charges for PN discount must be added to the Lending Fees (as of today approximately 5.00%…Note that this extra 5% amount can be adjusted at any time based on market condition or bank adjusting the charges for discounting PN’s)

THE FOLLOWING DRAFTS ARE THE

ONLY ACCEPTABLE TEXT FOR LENDING FEES

ATTACHMENT 2

ICPO – SAMPLE OF ONLY ACCEPTABLE TEXT FOR LENDING FEES

ON CLIENT FULL LETTERHEAD

(Complete with address, phone, fax, e-mail)

ENDORSED BY:

(NAME OF THE BORROWER’S BANK)

Name / Title of Bank Officer(s) ID [two officers]

Date: ….

To the lender:…………AS PER PRO-FORMA INVOICE

We hereby present our Irrevocable, Assignable, Transferable and Callable Cash Backed Bank Pay Order in your favor, in the amount of EUR/USD…. for the Bank Instrument herein described. The herein listed Bank Instrument shall be returned unencumbered via SWIFT to the Lender fifteen days prior to maturity. The payment of the herein funds represents the Lending fees payable to the Lender under Transaction code …… and dated day of 2008 We hereby confirm that the funds are good, clean and cleared funds of non-criminal origin and are from a legal source.

This Irrevocable Bank Pay Order is a binding fully performed due bill and is immediately callable on for Cash payment upon receipt of the SWIFT MT 760 delivery of the Bank Instrument to the Client’s Bank Account specified herein.

TYPE OF INSTRUMENT ISSUING BANK ADDRESS CURRENCY MATURITY DATE ISIN NUMBER FACE VALUE

This Irrevocable, Assignable, Transferable and Callable Bank Pay Order is valid for twenty

(20) International banking days from   day of ______ , 2008 and until __ day of _____ , 2008

This is an operative Bank Instrument and is subject to the uniform commercial code as it
relates to Bank credit instruments.

For and on behalf of the Borrower:

Managing Director –

___________________________                         ______________________________

Bank Officers                                                        Bank Officers

Name                                                                      Name

Title                                                                        Title

<<Bank’s Seal>>                                                    <<Bank’s Seal>>

ATTACHMENT 3

Promissory Notes – SAMPLE OF ACCEPTABLE FORMAT

PROMISSORY NOTE MUST BE FOR MAXIMUM FIVE MILLION EACH

MATURITY DATES FROM 180 TO 270 DAYS

ATTACHMENT 4

MT103 – SAMPLE OF ONLY ACCEPTABLE TEXT

ATTACHMENT 5

1. GLOBAL MASTER SECURITY LENDING AND BORROWING AGREEMENT

G.M.S.L.A. is valid for 30 calendar days from issuing date. The contractual documentation is negotiated in line with Applicant/Borrower’s specific requirements. Once the parties have duly executed a Contract/Agreement, the Lender Authorized Representative is the only legal and authorized entity allowed to handle the Lending transaction, to receive the documents, and to maintain communication with the Provider.

When Bank-to-Bank communication is established, between the Borrower’s Bank(s) and the Provider’s Bank, whether for Pre-Advice transfer or for the Instrument transfer, the Bank Officer(s) will be the only entities to communicate and close.

1. BANK COMMUNICATION

Issuing and Receiving banks will not communicate and will not deal directly with each other unless the principal of the transaction has given permission in writing. There shall be total freedom of communication between Bank Officers at all times when permission is granted.

The Borrower’s Banks must be banks which are listed in the International Bankers Almanac.

If Borrower’s bank is not registered/listed in the Swift system as required, the Borrower must introduce a Closing Bank(s), which will have full knowledge of the Lending transaction of the Client/Borrower, for the receipt of the Pre-Advice and any further bank-to-bank communication, with a bank that is internationally recognized and registered within the Bankers Almanac.

1. KNOWLEDGE AND AWARENESS OF THE BANKERS

The Bank Officer(s) of the Borrower, provided that the Borrower’s closing bank is qualified as per the above, must be fully aware and knowledgeable of the ongoing Lending transaction.

This means that at any specific time when a Bank-to-Bank communication will be established, between the Borrower’s Bank(s) and the Provider’s Bank, whether for Pre-Advice transfer or for the Instrument transfer, the Bank Officer(s) of the Borrower’s closing bank will be in a position to fully approve the receipt of the Instrument in favor of the Borrower, as well as in the position to confirm payment for this Instrument AND guarantee to give back the original Bank Instrument to the issuing bank 15 days before his maturity date unencumbered and free of liens by Swift.

1. EXPENSES FOR EXTENSION

The Borrower has the possibility to extend the duration of the contract. After written request is submitted, (before agreement expiration date) Borrower receives an agreement amendment to extent contract and an invoice for USD 20,000.00.

Borrower will then receive (After extension fee is paid) a 30 contract extension starting from the expiration date of the original contract.

Extension fees will be refunded after successfully closing the transaction. The Borrower has the right to deduct it from the service fees total amount.

LENDING PROCEDURES SUMMARY ????????

1- CLIENT SENDS APPLICATION REQUESTING THE LENDING OF AN INSTRUMENT AND WILL RECEIVE ONE INSTRUMENT’S COORDINATES TO COMPLETE APPLICATION PACKAGE.

EVERY REQUEST FOR OUR LENDING SERVICE MUST BE ACCOMPANIED BY ALL NEEDED DOCUMENTS AS PER LENDER REQUEST OR APPLICATION WILL NOT BE TAKEN INTO CONSIDERATION.

2- The contract will be sent for signature. AT this time the Borrower will have already paid an invoice for the expenses due to cover the call option, ADMINISTRATIVE and reservation FEES amounting to:

FOR INSTRUMENTS WITH A FACE VALUE:

UP TO 499 M. THE SETTLEMENT FEE IS USD 72,000

FROM 500 M. TO 999 M. THE SETTLEMENT FEE IS USD 80,000

FOR INSTRUMENTS ABOVE 1 B. THE SETTLEMENT FEE IS USD 88,000

If Pre-Advice IS REQUESTED THE COST WILL BE USD 160,000 for delivery of Bank Instrument –OR- USD 272,000 for delivery of POF/CD TO ALLOW DELIVERY BY SWIFT.

PLEASE NOTE THAT IT IS IN USD NO MATTER WHAT CURRENCY THE INSTRUMENT IS IN.

THIS MONEY WILL BE REFUNDED AFTER SUCCESSFULLY CLOSING THE TRANSACTION OR BORROWER HAS THE RIGHT TO DEDUCT THE ABOVE MENTIONED AMOUNT FROM THE SERVICE FEES TOTAL AMOUNT.

3- AFTER RECEIPT OF ALL SIGNED DOCUMENTS AND OF THE DEPOSIT OF THE SUM ABOVE, THE LENDER WILL PROVIDE A PRO FORMA INVOICE WITH ALL DETAILS OF THE BANK INSTRUMENT, CORPORATE DEED OF ASSIGNMENT, EUROCLEAR AND CLEARSTREAM PRINTOUT, BLOOMBERG OR SECURITY CHART OF THE STOCK EXCHANGE MARKET WHERE THE INSTRUMENT IS QUOTED, TO PERMIT THE BORROWER’S BANKERS TO VERIFY. AFTER VERIFICATION, THE BORROWER MUST PROVIDE FOR CONDITIONAL PAYMENTS AS DESCRIBED BELOW:

ICPO (IRREVOCABLE CORPORATE PAY ORDER) ENDORSED BY BORROWER’S BANK OR BANK BACKED PROMISSORY NOTES (HAVING THE ENDORSEMENT PER AVAL OF AN ACCEPTABLE BANK) or CONDITIONED SWIFT MT 103 OR MT 700

NOT LATER THAN 20 CALENDAR DAYS FROM DATE OF PRO FORMA INVOICE (POINT 4).

bank HAS TO confirm that BORROWER has the funds TO PAY LENDING % price PLUS the 2% FACILITATORS FEES.

4- THE BORROWER MAY ASK FOR A 30 DAY EXTENSION OF THE CONTRACT BY A SIMPLE REQUEST SENT TO THE LENDER BEFORE CONTRACT EXPIRATION DATE FOR THE SUM OF USD 20,000. THE 30 DAY EXTENSION BEGINS ON THE EXPIRATION DATE OF THE ORIGINAL CONTRACT. THIS MONEY WILL BE REFUNDED AFTER SUCCESSFULLY CLOSING THE TRANSACTION OR BORROWER HAS THE RIGHT TO DEDUCT THE ABOVE MENTIONED AMOUNT FROM THE SERVICE FEES TOTAL AMOUNT.

5- AFTER RECEIPT OF THE CONDITIONAL PAYMENT, THE LENDER WILL DO THE NORMAL DUE DILIGENCE USING THEIR BANKERS OR THE APPOINTED ESCROW AGENT/MERCHANT BANKERS (by certified email communications). AFTER SUCCESSFUL DUE DILIGENCE, THE BANK INSTRUMENT WILL BE TRANSFERRED BY SWIFT MT760 (ATTACHMENT 6) TO THE DESIGNATED ACCOUNT OF THE BORROWER, TRANSFERRING WITH IT ALL RIGHTS TO USE IT.

6- AFTER RECEIPT, AUTHENTICATION AND VERIFICATION OF THE INSTRUMENT, BORROWER’S BANK HAS 8 HOURS TIME TO UNBLOCK THE LENDING FEES CONDITIONAL PAYMENT.

7- 15 DAYS PRIOR TO MATURITY, THE BORROWER’S BANK MUST RETURN THE INSTRUMENT BY SWIFT TO THE LENDER’S BANK, UNENCUMBERED AND FREE OF LIENS.

This is the end of the transaction.

SEE Lending Transaction WORK Flow TO FOLLOW:

APPLICATION & AGREEMENTS STAGE

? ?                         ?

PROCESSING & Due Diligence STAGE

? ? ?

CLOSING STAGE

?

THESE GUIDELINES & FLOW CHART ARE FOR INFORMATION ONLY AND CAN BE CHANGE AT ANY TIME OR IN CASE BY CASE BASIS

ATTACHMENT 6

SAMPLE OF INSTRUMENT DELIVERY MT760 (Bank Guarantee BG)

NOTE: The cost of ALL related refundable fees (the Call Option, Pre-advice, etc, etc, etc…) must be covered by the client prior to Corporate Pro-Forma Invoice and Delivery of the Instrument Agreement is EXECUTED. Procedures may change on case by case bases and/or without previous advice, no deductions from any profits that Borrower expects in the future or from a loan are acceptable neither for Lending service fees.

LEGAL NOTICE

DISCLAIMER

The facilities detailed in this form are not subject to the provisions of the United Kingdom Financial Services Act 1986 or any amendment thereto (”the act”). The facilities are specifically exempted from the act by way of note 5 to clause 13b of part I of the act. We are not registered as a financial adviser under the act and we do not offer any form of investment advice nor provide nor sell any form of investment or security as defined within the act. The announcement on these pages does not constitute an offer or an invitation to purchase any securities. Our financial service is provided strictly against payment of an attorney’s funding/arrangement fee. We do not enter into any joint venture or participate in your business. The release of the fee is not conditional upon the success or otherwise of the investment strategy to be employed by the applicant.

NO OFFER

This material contains exclusively information. Nothing received from Our Financial Institution now and in the future should be construed as an offer solicitation or recommendation to buy or sell any investment or to engage in any other transaction. This information and any received from Our Financial Institution in the future does not constitute an offer, solicitation or recommendation to buy or to sell any securities for investment, nor an offer, solicitation or recommendation of any other kind. The information is given solely for educational – and informational purposes, requested by you (the party to whom the information is transmitted), exclusively for the personal use of the recipient.

NO WARRANTY

All information and opinion contained on the site is provided without any warranty of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law. All information and opinion is provided to assist prospective investors in making their own decisions without any guarantees as to accuracy, reliability or completeness. The information provided now and received from Our Financial Institution in the future does not contain investment-, legal-, accounting-, tax- or other advice or opinion and should not be relied upon for any specific investment or other purposes. A competent professional should always be consulted before utilizing any information existing now and received from Our Financial Institution in the future.

You must keep the information strictly confidential and you are not allowed to make the information available to others without written consent from Our Financial Institution

The above-mentioned details are for information purposes only and not to be considered a Solicitation of Funds or to Sell Securities or other commodities.

We reserve the right to accept or reject all form of Documentation incomplete or unprofessional email communication.

ACKNOWLEDGED AND APPROVED BY THE BORROWER (WITH 6 ATTACHMENTS):

(CORPORATION NAME)

_________________________________

(AUTHORIZED SIGNATURE)

PRINTED NAME:

TITLE:

DATE:

Lending Criteria Summary CMCS, a preferred hard money lender of ours, has been originating, underwriting, and servicing real estate loans for over three decades. Their experience provides builders and developers with a reliable lending resource for land acquisition, development, and construction loans. The advantage of borrowing with CMCS is their ability to rapidly process and fund a loan with reduced paperwork, unlike conventional lenders. Loans may range from $200,000 to $25 million. The majority of loans are 6 to 12 month loans with the option to extend on a case by case basis. We look forward to serving your real estate loan needs!

Commercial Loan Borrower Criteria Types of Loans Residential or Commercial | Land Acquisition, Development, Construction Bridge Loans Income producing properties for rehabilitation | Short-term needs while transitioning to a conventional loan Underwriting Criteria CMCS generally lends within the following loan-to-value ratio ranges depending upon property type, location and other relevant factors associated with the property. •  Land Acquisition – up to 60% of the appraised value of the land •  Development – up to 65% •  Construction – up to 75% CMCS prides itself in knowing and understanding Borrower’s needs. They proactively request information not only to better serve Borrowers, but also to provide Investors with an overview of the Borrowing Entity and strength of the Guarantor(s). Documentation Requirements The following are some examples of information required for each loan: •  Detailed description of the loan request •  Exit strategy •  Preliminary Title Report •  Purchase or option agreement for the property •  Documentation for Borrower entity (Articles of Incorporation, Operating Agreement, etc.) •  Current Appraisal of the project •  General liability or hazard insurance •  Current Financial Statements and two most recent tax returns for the Borrower and Guarantor(s) If applicable: •  Phase I Environmental Report •  Design plans for the project •  Construction cost breakdown Interest Rates Depending on the loan type, interest rates typically vary between 8% and 14%. Points Points may vary depending on the project. Typically, they may range from 2.0% to 6.0%. In addition, Cash Flow Specialists, Inc. generally earns 2% to 4% on each closed and funded loan. Term Loan terms are generally between 6 to 12 months. Extensions may be offered subject to additional fees. Longer term loans are considered on the overall project viability and strength of the guarantors. Personal Guaranty Personal Guarantor(s) are required on most loans. Loan Size Loan size may vary between $200,000 to $25 million. Geographic Area They have underwritten loans in the following states: Arizona, California, Idaho, Missouri, Nevada, Oregon, Texas and Utah. Please do not hesitate to inquire about loans in states other than those mentioned above. Remember that Cash Flow Specialists, Inc. works on a nationwide basis and has access to hundreds of lenders, private investors, banks, hedge funds, and other alternative funding sources.