Right From The Heart: Self-Liquidate Your Loans With High Yield Trade Programs: $9m to $200m 100% Funding; Monster Corps, Proof of Funds, Swifting, Collateral Monetization and More 20100623

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Greetings from the beautiful San Francisco Bay Area where the sky is blue, temperatures are in the high 80’s and the humidity is low.

Having a memorable time with Bonnie, Jenny, Brian, Katie, and Mike this summer.

Jenny was over for dinner last night: just the five of us. Bonnie made ravioli, a big salad, and dinner rolls. It was great.

Shot hoops with Mike our 10-year old All Star, what an athlete! Katie, good old Lefty is surprisingly athletic. What a blast!

We appreciate your prayers for reconciliation and remarriage. As many know Bonnie and I were married for 34+ years. She is the great love of my life.

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I had two long talks recently with the CEO of a Trade Program that was initially started in 1985. I have known Chris since October 13, 2006.

I was Securities licensed, Series 7 and Series 63 for 19 years. This may be a way for you to invest internationally, self-liquidate your loans andEARN HIGH RATES OF RETURN SAFELY.

Chris has four trading levels from $5,000 to $50,000,000. He’s been in business since 1985:

Trial Trade $5k to $25k 6-month term 90-day cycle, pays 4% per month. This trade is for six months and is allowed one time only. You are paid 12% in two disbursements 90 days apart. After six months the trade ends. This is for skeptics.

Intermediate Trades $25k to $75k 9-month term 90-day cycle, pays 6% per month. This trade pays three cycles of 18% each and then the investor can apply for the 2011 cycle.

Small Cap Trades $100k to $10m this is a 12-month trade that can be rolled four years for a total of five years. It pays 10% per month. This trade pays four cycles of 30% each and is renewable for 16 cycles.

Large Cap Trades $10m to $50m this is a 12-month trade that can be rolled four to nine years for a total of five to 10 years. It pays more than 10% per month. This trade pays four cycles of more than 30% each and is renewable for 16 to 36 cycles. It is designed for sophisticated and seasoned investors who understand these trade programs.

Their “sweet spot” is $100,000 to $500,000. They are licensed in New Zealand. Your funds will move to Bank of New Zealand to a lockbox account.

This is the most effective way that I know for anyone to fund a project today is to enter into trade. This allows almost anyone who has cash to do so.

They are totally transparent. To get started you need:

1. A completed CIS

2. A 150% enlarged copy of your passport

3. A recent bank statement all pages not more than three business days old.

Once I receive these I will call you, review and submit you to Chris. He will vet you and call you. You will speak to the CEO of this trade program directly.

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I have known the CEO of this trade since October 2006. He has been in business since 1985. His 2010 cycle just started June 1st.  Once you follow the directions and after I review your documentation I send your information to him. You will speak directly with the Trader.

No Smoke and Mirrors, No Hocus Pocus, No Sleight of Hand, No Mickey Mouse Games, No Joker-Brokers.

Once you deliver, I’ll deliver: his email address, phone number, access to his physical address if you want it. I even know where he lives!

You’ll have 24/7 control, access to your funds and the ability to transfer from your account(s).

Invest with Knowledge and Wisdom. and a very large portion of Common Sense. Ask Your Questions and Get Your Answers: follow through to a contract state. Have Your Needs met.

Chris P. has been in business for 25 years in the Small Cap Trade Industry. Small Cap is $100,000 to $10,000,000. Chris P. has two unique smaller programs and one larger program so he can serve the needs of 99% of applicants.

Go Small Cap and Grow Your Wealth.

Sweet Spot $100,000 to $500,000.

Example $100,000USD Traded at 10% for 12 Months would equal $120,000 USD in Trade Profit

DISCLAIMER: Sender is not a United States Securities Dealer, Broker or US Investment Advisor. This electronic transmission and or attached documents are not to be considered a solicitation for any purpose in any form or content, nor an offer to sell and/or buy securities. Merely describing the details of an existing private placement program does not constitute an offer or solicitation of any kind and, if presented, is done so as a request for information. This transmission may contain privileged and/or confidential information and is intended solely for the use of the addressee. Upon receipt of these documents, you as the recipient, acknowledge this disclaimer and warnings herein. By reading beyond this point, you agree, acknowledge and accept that this is a privileged, proprietary and confidential communication and you agree to keep it private. Interception of e-mail is a crime under the Electronic Communication Privacy Act, 18 U.S.C. 2510-2521 and 2701-2709. If you have received this transmission in error, please notify me by reply e-mail at joe@joetufo.com and destroy the original transmission and its attachment(s) without reading them, or saving them to disk. Thank you for your cooperation in this matter.

This newsletter is solely for information and its sources for posting are Public News Sources, Newspaper Publications, Financial News Releases, and other such Financial News Broadcasting Agencies. The opinions expressed are those of the author. As with any investment there is risk: invest with knowledge and wisdom. CFSI and MGB are not responsible for any loss or risk that you as an investor may undertake.

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Special Trade Program For $50K to $1M Clients

How about having a trader trade the account free for one week?  Too good to be true?

Well it’s not and since 2002 the system has had no losses and this year alone is on track to average close to 640% a year on client accounts.

For new clients they will need to go to http://www.advantagefutures.com/Open_An_Account.html

Account must be funded with a minimum of $50,000 to participate.  Capital stays in your account in your name 24/7 online account access

After 1 week of free trade, traders fee agreement must be signed for account to continue to be traded.  Accounts are insured by The US government up to a certain Dollar amount.  Contact the broker for details.

**The numbers on the pdf is an account funded with only $25,000 (50k is recommended however) So you can see the average return for the month was 90-100%

If I offered you a game to play and 95% of the time you would make

$5 dollars and 5% of the time you would lose a $1 would you play?

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This came in from Kurt Tuesday June 22^nd:

This trade starts at $3m –

it can be arranged if the client is large enough. For Admin purposes they like to pay monthly. The profits will always be the same 60 – 120%. They are very straight forward and flexible no bullshit. The time period I gave earlier is average based upon the clients movement. The allocations are already in place and the trader could move as fast as 4 days from start to finish in trade, only if the client was on top of things. They also provide performance guarantee’s and out clauses for the client. The block is for 45 days to begin to make sure the client understands we are not trying to lock down their money for a year and not perform, then keep their funds tied up. So after the first month when the client is happy with the performance, they will block funds for the rest of the contract period.

Application package – 5 to 7 banking days to finish compliance, contract, and put MT-799 bank to bank in place. Trade then starts on Monday. I have known the trader for three years. His normal minimum is 500 Million and he opened this trade up this year. I put a client in about a month ago so I months profit payment so far, but like I said I have known this trader for 3 years.

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From Tod:

We make NO INTEREST loans against BG, SBLC, CD, Bank Drafts and Sovereign Bonds.

How does it work?

Provide a KYC, RWA and copy of instruments (Call me at 925-352-6000 cell or email me at joe@joetufo.com and I’ll send the paperwork – a sample is integrated in this mailing.)

On “AA” rated instruments we make loans at 90% of face, 2 pts to lender and 2 pts to intermediaries.  No daisy chains.

On a 1-year term, at the end of the the term you pay back the 90% and get your instruments back.

Lesser rated, “B” and “C” discounted more.

Steps:

1-Provide a KYC, RWA and copy of instrument.

2-We verify in 24-48 hours, conference call with lender and client,  then issue out Loan Agreements.

3-Upon receiving the executed Loan Agreement back we fund in a matter of days.

All intermediaries supply a CIS, Passport and wire instructions and are protected by a Master Fee Agreement.

Waiting your favorable reply and successful completion of a transaction.

Warmest Regards,

Tod

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Monster Corporations

If you’ve been trying to get funding and if you meet the qualifications and can be patient and disciplined you are guaranteed funding!

I met with Hector and Peter in Los Angeles with a couple who had flown from the Carolina’s and our referral partner, Robert. They are guaranteed $1,000,000 with a target of $1,500,000.

It takes a 740 minimum FICO score and $43,000 up front for a $500,000 corporation ($500,000 guaranteed funding), and $75,000 up front for a $1,500,000 corporation ($1,000,000 guaranteed funding).

The process takes 90 to 120 calendar days. The back end success fee is 12%.

Any amounts above $500,000 on the $500,000 corporation are 15% back end.

We have 10 openings a month for this product. If you meet the qualifications YOU WILL BE FUNDED!

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Harry has access to large quantities of Gold and Diamonds

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This came in Friday, June 4, 2010 from the Compliance Officer of the five largest Trading Platforms in the world :

Joe,

It’s my pleasure since I do NOT want anyone to get hurt or have misconceptions regarding a REAL PPP versus a Brokers Joint Venture Agreements!

I just hate to see people waste time and in some cases get into a situation where they can lose their assets.

So yes, a learning curve is very important for people who do NOT understand the value of a PPP – Private Placement Program / Trade Platform/

More importantly, PPP’s are designed to create jobs, circulate the dollar and for humanitarian projects and NOT for self enrichment!

Again, PPP’s are by Invitation ONLY…..It’s NOT a Right of anyone to be in a PPP but a privilege.

That said let’s see what Ali can deliver that have substance so we can proceed to trade.

Regarding CMO’s, I have NEVER seen a successful CMO traded.

All The Best,

Harry

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From my friend Jay:

Joe,

We are excited to tell you that we are now offering SWIFT services!  please see attachment.

The #1 provider for POF, Swift, and Banking Instruments.

Jay

SWIFT SERVICE OUTLINE

We are proud to announce our newest addition to our product and service offerings.  Due to our growing capacity and continued success, we are now able to offer SWIFT services to you and your clients. Below are some outlines of what can be done. Feel free to contact us for any of your questions.

• Flexible verbiage. Include dollar amounts, contract numbers etc.

• Save on costs; bank institutions typically charge large fees compared to us.

• Send and receive swift, 24-72 hours at times.

• We are able to provide the instrument if one is not provided.

We are proud to offer swift service now even for your own instruments.

• POF

• SBLC

• BG

• DLC

• ETC

A any swift for your purpose. Most popular swifts include:

• MT 799

• MT 760

• MT 103

• MT 999

• ETC

Procedures:

1. Request letter:  Provider will need to contact principle for validation.

2. SWIFT Agreement notarized

   1. Have receiving coordinates

   2. Verbiage of swift

3. Supply instrument e.g.

   1. POF statement

   2. SBLC

   3. BG

   4. DLC

   5. ETC

4. Color copy of passport

5. Pricing is on a per case scenario. Contact for details.

I also received this:

We’d like to thank you for your continued business and look forward to more shared success!

Here is a list of our current products and services:

· Bank Guarantees

·         Stand By Letters of Credit

·         Documentary Letters of Credit

·         Proof of Funds

·         SWIFT services –  our newest addition!  We can now provide SWIFT services for your instruments as well.

Great News: Our domestic Investment Brokerage account program is now licensed as a Hedge fund and can now do SWIFT MT760.

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This came in from Dane Monday June 7^th. I have known Dane for a couple of years:

Summary:

Our organization is part of a large managed fund, which enables our firm to collateralize approved transactions in many cases with cash-backed bank instruments like certificates of deposit, bank guarantees and standby letters of credit. We also provide cash leverage services for approved transactions. There are two main scenarios which clients approach our firm for services;

Scenario 1: A client is seeking a loan or line of credit for their transaction through a bank or private equity lender.  This client does not have the assets required to secure the required loan and needs collateral for the loan or line of credit.

Scenario 2: The client is seeking to invest or to raise money to finance their own transaction or through a special purpose vehicle like a private placement program or trade platform.  The client does not have all of cash required to participate in the special purpose vehicle and needs leverage on his cash to participate.

Collateral Services: Our collateral service is similar to our firm co-signing on the loan, but instead of physically co-signing, we could support an approved transaction by providing bank instruments which can be used as collateral to secure a loan or line of credit. For collateral we have the ability to provide bank instruments issued by globally recognized banks for feasible financial transactions.  The bank instruments are strong due to the fact that they are issued in the name of our client as beneficiary and are fully lienable, callable, transferable and assignable which allows them to be used as collateral for the approved transaction.

Cash Leverage: Our leverage service consists of providing leverage on cash.  Depending on the transaction, leverage can range from 2 to 20 times (2x to 20x) and higher in special cases.  The acceptable leverage is determined on a case by case basis.

Our standard operating procedures require our firm to engage third-party firms to conduct independent due diligence on the client and their transaction (scenario 1 & 2) to analyze the transaction’s risk, so we may secure and insure the assets for the approved transactions.  Upon approval of the transaction, before final agreements are drafted the client will be requested to move funds to an escrow account managed by a globally recognized bank, pursuant to an escrow agreement between the client and the bank.  *Escrowed funds are not released from escrow to Proof of Funds, LLC or any other party, until after the services have been rendered as contractually agreed.

In order to proceed we require minimal documentation for a cursory review.  The following information should be provided;

Documentation Checklist:

1. Completed application,(blank application form available.

2. Current detailed business plan to incorporate the exit strategy.

3. Executive summary.

4. Any existing agreements for the transaction.

*Disclaimer:  Fees for the use of the assets as collateral are dependent upon the risk in the proposed transaction; risk would be determined by a review and evaluation of the transaction by an independent third-party due diligence firm.  Rates can range between 5% and 20% per annum.  As a general guideline, collateral services are rendered for approved transactions requiring collateral of $5 Million US Dollars or greater.  Cash leverage services are provided for approved transactions of $1 Million US Dollars and greater.

Sincerely,

Dane

Dane has a 2-Part Trading Program – Part A pays 75% a year historically. Part B pays 240% to 400% per year historically. he manages $3b in assets, $500,000 minimum to participate.

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This Program Came from Chris Monday May 31^st:

Dear Colleagues, THIS IS IT…  LOOK NO FURTHER, THIS TRADE IS THE BEST FOR CLIENTS UNDER 500M…  For clients with 100M to 500M  there is no better trade anywhere. PERIOD.  Bring in just one client to this trade and you will be a PRINCIPAL in this trade yourself !!!    JUST ONE CLIENT AND YOU WILL BE RETIRED FOR LIFE… For a client with 100M or more this is one of THE WORLDS MOST PROFITABLE TRADES…  Most of the bigger trades REQUIRE 500M to play…  This trade is really TWO trades,  a small trade to build to the 500M mark.  Then with the profits from the first trade parked in Switzerland the client begins the second trade where the big returns are.  REMEMBER THIS REQUIRES AN MT-760 TO START THE FIRST TRADE.    Keep up the good work, this 35 year trade will be the last you will ever need. 6 SLOTS ARE LEFT… Hi Team, READ ALL OF THIS TWICE !!!!  AMAZING OPPORTUNITY FOR ALL… This is two trades, the first trade is designed just to fund the second trade which is a buy/sell and produces the BIG money… Wonderful Trade program:  Client can enter with any amount of CASH over $100MUSD’s, and BG, CD, MTN, Gold, value over $250M USD, in the clients approved bank in the USA, Europe or Australia, for Super Trade program. Profits are historically 100% a week, paid weekly.  Commissions, 1% split 50/50, trader side, client side.  Under ST, the Trade program is set up for Fed Humanitarian Projects and 80% of the profits will go to these projects, 20% goes to the client. Commission comes out of the gross. This trade requires an MT-760 to begin. Super trade (ST) has a Fed I.D. # and has Fed and UN Humanitarian projects. He has 6 weeks to start using the 80% into the Humanitarian Projects, but what was said he could do, is take $505M  out of the Fed HP’s profits money, (80%) place it into the MTN, BUY/SELL, and when the first days profits happen, pay the $505M back into the Fed HP’s money. This way the client’s 20% does not have to be used.  Both Buy/Sell and Trade program run at the same time. The more money the client places into the Trade program, the faster he gets into the BUY/SELL.  Also the reason for $250M in bank instruments, is because they discount them and must have a minimum of that $100M USD value. Client makes historically $1B (gross) a Day (four days a week) for 35 years, with NO REQUIRED FED/UN HUMANITARIAN PROJECTS. But it is very important that the clients use some of the money for his own Humanitarian projects. During each year, 2 weeks of profits will be required to be given to US Government Humanitarian Projects,   Roughly $8B. There will be a Tax Treaty offered for 4% to 12%, on people paying US taxes, on USD’s. The $505M, Buy/Sell will take a little time setting things up, and then another 10 business days to make the historically $1B a day, for a $505M account, because the profits from the buy/sell must be put back in to get to where the tranches are $5B , 2 times a day. On both Trade and BUY/SELL, I need a CIS, POF’s and Passport. Understand, we can only deal with the owner of the funds, no assigned money. $505M Client: 1 BUY/SELL’s at one time or $505M with $5M in Lawyer Trust account/escrow.  Client will make historically $1B a day(gross), for 200 days a year for 35 years.  My count is $1B X 200= $200 Billion a year, $8B each contract for USG Humanitarian Projects,  20B for fees   =$172B net per year for the client.  Brokers make enough money to come in as principals in this trade !!! Make this your best year ever! Thank you, Chris “Most great people have attained their greatest success just one step beyond their greatest failure.” – Napoleon Hill This communication may contain privileged and/or confidential information.  It is intended solely for the use of the addressee.  If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information.  This email is not a solicitation of investment funds or a securities offering.  If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy.  This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act.  You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information NCC is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker.  We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters.  If you have received this email in error, please notify us by return email and delete record from your computers.  The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge.  Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities.  This transaction is private and exempt from the Act.  If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited.  Thank you IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126. Also see: http://www.ftc.gov/privacy/glbact/glbsub1.htm Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801-6809

1 AA 2010 Compliance Docs (1).doc 93K   View as HTML   Open as a Google document   Download

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Chris has a Sovereign Bond Trade opening June 30th. We have one client in the previous program and two more slated to enter the new trade. $1b minimum.

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We have two Bullet trades:

From: Gregory
Sent: Thursday, June 17, 2010 12:05 PM
To: Joe Tufo
Subject: SMALL BANK BULLET PLATFORM

Small Bank platform and your funds can stay in your USA BANK

Small BANK DEBT- bullet program 5m to 20m

This is a small bullet program, 2 weeks, min 5mm max 20m, 2 weeks, 5 time multiplier.  We can acceptAmerican, Canadian and European banks.  This involves an admin hold, monies stay in account.

Private Placement Program	Small Cap_ Cash or C.D._ Program 5M-20M
Institutions Accepted	Top Banks American, Canadian and European
Proof of Funds	Account Statement or Tear Sheet Signed By Two Bank Officers
Historical Return…… Special Feature……..	5x Principal in 10 Banking Days Principal may re-enter Program Twice
Blocking Procedures	Internal Blocking Letter Only Note:  Platform will generally accept the Bank’s Verbiage on the Blocking Letter.
Documents Required	Documents as attached
Secured Transmission	Documents submitted directly to the Platform Director’s Assistant

Minimum entry  5 million usd

Maximum entry 20 million USD

Two weeks, 5 times multiplier.

Admin Hold on the account and money stays in clients account.  Trader sits in NY.  Please refer to the blue area and concentrate only on the blue area,

With Warmest Regards

Gregory

This communication may contain privileged and/or confidential information.  It is intended solely for the use of the addressee.  If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information.  This email is not a solicitation of investment funds or a securities offering.  If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy.  This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act.  You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information NCC is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker.  We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters.  If you have received this email in error, please notify us by return email and delete record from your computers.  The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge.  Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities.  This transaction is private and exempt from the Act.  If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited.  Thank you

IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126.
Also see: http://www.ftc.gov/privacy/glbact/glbsub1.htm Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801-6809

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This came in June 22nd at 7PM:

Hi Team,  Its pretty rare for a trade to tell you they are going to launch BEFORE they do !!!  Normally you hear about it a few days to a few weeks AFTER is has launched…  our reputation is getting around and now we hear about it BEFORE it launches so we can be FIRST IN… That’s a good feeling to get in early… OK listen up this is a nice 8 or 10 day Bullet trade… 1.  Admin. hold only2.  All profits must go thru a paymaster3.  THIS TRADE WILL OPEN ON JUNE 28th…  You may submit your files this week…4.  THIS TRADE WILL BE OPEN FOR AT LEAST 2 MONTHS FOR SUBMISSIONS5.  8 X 8 or 10 X 10,  15% of profits to non-profit foundation6.  CLIENT MUST SUBMIT POF TWICE !!!  FIRST TIME OK IF WITHIN A MONTH AND ONLINE IS FINE.  SECOND POF MUST BE WITHIN 3 DAYS !!!7.  There will be a second set of docs to fill out AFTER THESE ARE COMPLETE, LET YOU CLIENTS KNOW THAT THERE WILL BE ANOTHER ROUND OF DOCS THAT WILL COME TO THE CLIENT DIRECT !   PUT THE CLIENTS EMAIL AND PHONE NUMBERS IN THE BODY OF THE EMAIL YOU SEND ME SO THE TRADE CAN REACH THE CLIENTS QUICKLY… THIS GROUP IS VERY PARTICULAR ABOUT THERE PAPERWORK !!! Summary Info-sheet – PPP – Administrative Hold Cash Only $5-25M Managed buy sell program of commercial bank paper that requires minimum principal of $5M to a maximum of $25M. Funds may be lodged in a top US or International Bank that can effectively implement the requirements of an Administrative Hold Directive from the Trade Group.    NO MT-760 or MT-799 requirements. NEW BULLET 5M-25M THIS TRADE IS KNOWN AS A 8X8 OR 10X10 Client may be permitted three (3) independent cycles or re-entries. Note: Yields are not guaranteed and are estimated based on historical results of the Trade Group.  Compliance usually tales 48 hours but an take longer if demand outstrips platform capacity to process applications We do have client representation entering this structure. Program Structure and Procedures: Funds (minimum of $5M to $25M) need to be lodged in a banking institution that can recognize and implement an administrative hold procedure. Option A: Eight Day trade cycle with 1-8x gross yield. Trade structure allows a eight (8) banking day cycle to a yield of up to 8x. Option B: Ten Day trade cycle with 1-10x gross yield. Trade structure allows a ten (10) banking day cycle to a yield of up to 10x. Each cycle may be repeated up to three (3) times at the discretion of the Trader. Returns are paid out via wire after the cycle and settlement. No guarantees of Client being permitted to re-enter the Program. Client must use a paymaster as receiving agent for all funds. **Fees: 15% of gross yield to Non-Profit Foundation. Please fill out and return the following documents:  FIRST SET 1. CIS, POF and AUTHORIZATION TO VERIFY FUNDS Then I will set up a compliance folder and include:  SECOND SET 1.     NCND AND POF WITHIN 3 DAYS 2. Foundation Irrevocable Pay Order 3. Paymaster Agreement 4. Letter of Paymaster Intent NEW BULLET TIMELINES RAMP UP AND DISBURSEMENT INFO: 1.       ONCE COMPLETE CLIENT COMPLIANCE DOCUMENTS THE ASSET MANAGER  WILL SEND TO THE PLATFORM ALL PAPERWORK TIMEFRAME: 24-72 HOURS 2.       CLIENT WILL ENTER INTO COMPLIANCE AND RECEIVES TRADE CONTRACTS  TIMEFRAME: 10-14 BANKING DAYS 3.       CLIENT ENTERS TRADE FOR THE FIRST CYCLE TIMEFRAME: 8-10  BANKING DAYS 4.       DISBURSEMENT: END OF FIRST CYCLE  TRADE SENDS CLIENT MONEY TO PAYMASTER WITHIN TIMEFRAME: 48 HOURS OF END OF FIRST CYCLE 5.       PAYMASTER DISBURSEMENT: TIMEFRAME: 24 HOURS OF RECEIPT OF FUNDS INTO PAYMASTER,  CLIENT WILL RECEIVE WIRE TO DISIGNATED CLIENT OWN ACCOUNT 6.        TOTAL FIRST CYCLE TO DISBURSEMENT IS BETWEEN 4-6 ACTUAL WEEKS 7.        CLIENT MAY BE INVITED TO PARTICPATE IN TO ADDITIONAL TRADING CYCLES. NEXT PAYOUT IS 3-4 WEEKS PER CYCLE Thanks, Chris “Most great people have attained their greatest success just one step beyond their greatest failure.” – Napoleon Hill

This communication may contain privileged and/or confidential information.  It is intended solely for the use of the addressee.  If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information.  This email is not a solicitation of investment funds or a securities offering.  If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy.  This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act.  You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information NCC is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker.  We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters.  If you have received this email in error, please notify us by return email and delete record from your computers.  The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge.  Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities.  This transaction is private and exempt from the Act.  If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited.  Thank you

IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126.
Also see: http://www.ftc.gov/privacy/glbact/glbsub1.htm Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801-6809

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This came in June 16^th:

FYI….something of possible interest to your clients….

==========================================================

Luxembourg-based trade group will accept free-and-clear land or RE into their trade program at a top 25 European Bank, under the following conditions: 

 * Land or RE must be owned free and clear of liens and encumbrances by principal, $50 M and up preferred....but they will look at any solid package

 * Principal or corp. entity that enters program should be the same name or entity as shown on Title

 * Principal submits CIS, passport, title report, and a recent (within last six months), certified appraisal 

 * Principal should also have an exec summary for a project they wish to fund 

* Trade group does not put a lien on the property and uses their own credit line for trade

* Trade group will grant up to 40% of appraised RE value in cash for trade ( i.e., appraised value of RE of 100M means up to 40M cash for trade) 

* Returns are historically approximately 80% per week of appraised value net to client  

* Contracts are generally for a 1 year period  

Darwin

 ============================================================

100% LTV PROJECT FINANCING WORLDWIDE

Non Recourse Private Funding from $9M to $200M

This is an update on the 100% LTV Project Funding Worldwide Product. Please note there are substantial changes.

The collateral Provider requires a deposit fee  from $100K to $350K  to issue the Bank Guarantee/Letter of Credit collateral acceptable to the Lender.

I asked if the fee could be escrowed:

Yes..but once the instrument is issued and confirmed by the Lender…that fee goes HARD and leaves the escrow. The transaction moves forward and the Lender closes the deal.

We work one of two ways:

Priority – If you want us to “Clear The Decks,” put our heads down, expedite your application(s), and get to work you’ll honor us by paying a fee for six months of service. You may renew after that time.

When you hire us to work on a priority basis we thoroughly study your submission package to make sure that it complies with our recommended Road Map to Funding Success. Funding has always been about presentation. Those who present well are funded. Those who don’t present well are not funded.

The key ingredients to funding success, in our experience, have been:

1. A powerful Executive Summary of one to four pages. You can purchase our template and video review at http://www.joetufo.com/roadmap
2. Bio’s of key personnel.
3. A detailed use of funds broken down monthly for the first year and quarterly thereafter.
4. A 5-year proforma and written Exit Strategy.

It’s real simple: We work on either a Priority basis where you pay a fully earned, non-refundable fee for six months of service or a Non-Priority basis when you are not in a big hurry and we get to you and your project when we can: after all Priority Clients come first.

We work on your project and focus all our energy on you and other priority clients first and then others in order of availability.

We don’t take on a client or project unless we’re reasonably sure that we can achieve success.

The fee is 1% of what you are looking for subject to a maximum $30,000 per project. The agreement is good for six months.

On this product we are paid 50bps  of the 3% the lender charges which is a fraction of what we earn on other funding products.

On Monster Corporations, for example, we earn a fee up front and 5% back end.

On many Large Project Loans we earn a fee up front and 1.5% to 3% back end and, sometimes, equity in a project.

Some ask me to spend the day with them. I charge $10,000 per day. You come to Concord CA. Some ask for a half day and I charge them $5,000. Some want an hour and I charge them $1,000.

You can see these services at http://www.joetufo.com/consultingx You can direct deposit or wire fees to our Bank of America Corporate account. With 33+ years in financial services (since 11/76) we may be uniquely qualified to serve you.
Before you join, let me mention two things…

Firstly, I can’t guarantee your success. You know that and I know that, but it’s something I gotta say anyway. I will offer my expert opinion based on my own experience and knowledge, but there are no guarantees. You agree to hold me harmless for any result that occurs from my coaching.

Secondly, there are no refunds available. Because I can’t get my time back, you can’t get your money back. I’ll be happy to work with you to make you happy … but if you’re looking for a guarantee for a refund, then this isn’t for you.

Having gotten the “negative” out of the way, let’s focus on the “positive”! This is truly going to be a life-changing experience for you and I’m proud to be able to personally work with a select few in this program. I’m really looking forward to it.

If you’re ready, I am! You can literally get started hearing from ME this evening. So let’s get startedtogether…

This is an interview that Dale conducted with me in July 2009. It may be of benefit to you:

http://joetufo.com/blog/about/why-we-limit-out-mutual-risks

100% LTV PROJECT FINANCING WORLDWIDE

Non Recourse Private Funding from $9 M to $200 M

• NO Credit required  , NO down payment required
• NO reserves required  . NO Loan application  fees

We have a unique and powerful private  funding arrangement that provides BOTH  the Lender, and,  a 3^rd party  provider of  bank collateral from a Top World Bank  fully  securing and guaranteeing  the Lender’s loan.

The collateral Provider requires a deposit fee  from $100K to 350K  to issue the Bank Guarantee/Letter of Credit collateral acceptable to the Lender. With the Lender’s funds thus guaranteed, we can fund your project 100% LTV, from  $9M to $ 200M, worldwide.

NOTE: If you can bring your OWN source of Top 25 bank collateral …..we can work with them as well.

Current loan terms are 6.5% simple interest, up to 5 years, with great flexibility on terms.

Any valid project can qualify and funding can occur in as little as 14 business days.

There are absolutely no loan covenants or restrictions on the use of the loan proceeds, and there are never any up front fees. Corporations, individuals, partnerships, multinational companies, institutions, municipalities, and foreign government agencies comprise  the Lender’ s world wide  client base. Funds may be used for any lawful venture.

FUNDING BENEFITS AND ADVANTAGES

• Simple interest – not compounded interest.
• No loan covenants or restrictions on the borrower’s use of loan proceeds.
• Repayment at semi-annual interest in arrears or other custom-crafted repayment schedule, subject to lender approval.
• Borrower may receive front-end grace period up to 24 months, with no payments of principal or interest due during the grace period, subject to lender approval.
• No  LENDER advance or up-front fees.  The loan fee is always withheld from the loan proceeds when disbursed.
• The lending bank ( we provide) deposits the loan proceeds into the guarantee-issuing bank ( which we also provide)  before the guarantee-issuing bank transmits the guarantee to the lending bank.
• The borrower receives loan proceeds very quickly, usually within 2 weeks after the lending bank confirms the availability of the guarantee with the guarantee-issuing bank and confirms the availability of loan funds to the guarantee-issuing bank by SWIFT.
• Easy-to-understand loan documents that are simple, clear, uncomplicated, and minimal in number.
• Enables the borrower to move forward quickly in order to seize financial opportunities.

To get started, please first send us your Executive Summary of your funding request. Please,keep it brief, no more than 3-5 pages, and make sure you include a 5 year pro forma. Keep in mind, the requested  loan amount must range from  $9 to $ 200 M and, any viable, lawful project can qualify. Once we receive the Summary  we will review and contact you within 24 hours to move the processing forward quickly.

Thanks for your cooperation and we look forward to funding you soon.

p.s. Please Remember:

We work on either a Priority basis where you pay a fully earned, non-refundable fee for six months of service or a Non-Priority basis when you are not in a big hurry and we get to you and your project when we can: after all Priority Clients come first.

Non-Priority is running about seven weeks behind Priority as of today, June 23, 2010.

We work on your project and focus all our energy on you and other priority clients first and then others in order of availability.

We don’t take on a client or project unless we’re reasonably sure that we can achieve success.

The fee is 1% of what you are looking for subject to a maximum $30,000 per project. The agreement is good for six months.

On this product we are paid 50bps  of the 3% the lender charges which is a fraction of what we earn on other funding products.

On Monster Corporations, for example, we earn a fee up front and 5% back end.

On many Large Project Loans we earn a fee up front and 1.5% to 3% back end and, sometimes, equity in a project.

Some have become creative in offers of remuneration.

__________________________________________________________________________

A Credit Crunch That Lingers

Forget the improving economy. Entrepreneurs still find it hard to get loans. Here’s why we’re in this mess—and how we may get out of it.

Where’s the money?

The economy is on the mend. The government has launched a boatload of programs to get small businesses financing. President Barack Obama has urged banks to give the companies a “third and fourth look” before rejecting them for loans.

Yet entrepreneurs are still struggling to land credit. Only half of small businesses that tried to borrow last year got all or most of what they needed, according to a survey by the National Federation of Independent Business. In the mid-2000s, 90% of businesses said they got the loans they needed.

What’s going on here? Why is the credit crunch alive and well when it comes to small businesses?

Part of the problem is that most of the government programs created to address the problem have focused on Small Business Administration loans, which total less than 10% of overall lending to small companies. But there’s a wider issue at work. Banks and the government are trying to avoid repeating the mistakes that led to the subprime meltdown. It’s a perfectly understandable goal—but it’s freezing up financing.

View Full Image

Richard Borge

Federal regulators, for instance, say they want banks to make prudent loans, even as the pressure to give out credit grows. Some banks, meanwhile, think many more businesses are bad risks these days, and they don’t want to damage their balance sheets by making questionable loans.

There’s also lots of finger-pointing. Some bankers say loan volume is down because demand is down; small businesses, they argue, are wary of taking on debt in uncertain times. Other bankers accuse regulators of pressuring them to curb lending, while regulators say banks are just making them the fall guy.

Stuck in the middle are entrepreneurs. During the downturn, many of them lost their credit lines and couldn’t get access to other sources of financing, such as home-equity loans. Now that things are looking up, they’re frustrated that they can’t get the financing they desperately need. So, many of them are curbing expansion and hiring plans—and that, in turn, may be slowing the nation’s recovery and keeping unemployment high.

Julio Valencia is one of those frustrated owners. In the past eight months, he has tried working with four large banks to land a $500,000 credit line for his young business.

He has been turned down each time, he says, because JTI Landing Systems, which fixes landing gear for commercial aircraft, doesn’t yet have three years of financial history to show the banks.

Mr. Valencia, along with his business partner, have exhausted personal cash and retirement savings for start-up purchases and payroll. If his Las Vegas company can’t land funding, it can’t expand—and may even have to close, he says.

“If we don’t have the cash flow to support our employees, well, no one works for free,” Mr. Valencia says.

How We Got Here

The lending freeze stretches back to 2007, when the nation plunged into recession. In the first quarter of that year, more banks were tightening standards for small-business loans than loosening them, according to the Federal Reserve’s quarterly Senior Loan Officer Opinion survey of large lenders. By October 2008, the percentage was up to 84%—roughly where it is today.

Richard Borge

Along the way, of course, the housing bubble burst. Banks suffering from heavily weighted real-estateportfolios compensated by reducing—and in some cases eliminating—credit lines, while raising interest penalties. What’s more, the secondary markets, where many lenders bundled their SBA loans and sold them to investors, clamped shut, so banks couldn’t get enough capital to makenew loans.

Every potential borrower suffered, but small businesses were particularly hard hit. In 2009, small-business loan portfolios at big banks dropped by 9% from the previous year—more than double the 4.1% drop for their entire lending portfolios, according to a recent Congressional Oversight Panel report. At the smallest banks, small-business lending portfolios fell 2.7%, while overall portfolios fell 0.2%.

Heeding Mr. Obama’s call to increase lending, a few big banks have made ambitious pledges. Bank of America Corp., for one, announced a goal of lending $5 billion more to small companies this year than last.

Some small banks are making efforts, too. Lani Hayward, executive vice president of communications at Umpqua Holdings Corp.’s Umpqua Bank, in Portland, Ore., says the bank has gone “a touch further in extending credit” through its MainStreet Lending program, which gives applicants who would otherwise be rejected another review.

Ms. Hayward says about 30% of the loans that move through that program get approved. Still, she says, “it’s not like we are opening the coffers. For the regulators’ sake and our own sake, there needs to be a gatekeeper.”

Who’s Clamping Down?

Some banks, particularly smaller lenders, say they want to lend more. But they say they’re being pressured to be more selective by too-strict regulators, who have stepped up oversight to ensure banks are well capitalized and have balanced loan portfolios.

For instance, the Independent Community Bankers of America, a Washington-based advocacy group, announced as part of its 2010 policy priorities that it would urge a “more measured approach from overzealous bank examiners so that they do not further exacerbate the current economic downturn and community banks’ ability to aid recovery efforts.”

Regulators, though, say they haven’t been urging banks to adopt overly rigorous standards—they simply want the banks to be prudent.

“Sometimes the regulators are a convenient excuse for banks who really don’t want to tell borrowers they can’t make the loan,” says Timothy W. Long, senior deputy comptroller and chief national bank examiner at the Office of the Comptroller of the Currency in Washington. “Deciding which borrowers the banks should lend to is not part of our examination process. We tell them to lend in a safe and sound manner.”

He says the effort has worked. Banks are underwriting more carefully, he says, and marginal borrowers aren’t getting the overly favorable terms they often did before the recession.

Some bankers, mostly at large institutions, argue that their standards—and federal oversight—haven’t gotten stricter. “What has changed is the financial condition of most small businesses,” says Kathie Sowa, a commercial-banking executive at Bank of America. “Few small businesses have not been impacted” by the downturn.

The bankers say few creditworthy candidates are walking through their doors despite signs of economic recovery. The requests banks are getting these days are “disproportionately from businesses that we would have a difficult time lending to with confidence we’d get the money back,” says Marc Bernstein, who heads small-business lending at Wells Fargo & Co.

Some bankers also argue that loan volume is down because many businesses are choosing to go without funding. They say many owners don’t want to take on additional debt during uncertain economic times and are opting to rein in spending and shave overhead. “Demand has been down,” says Maria Coyne, executive vice president of business banking at KeyBank, a national lender operated by Cleveland-based KeyCorp.

Ms. Coyne believes that lending won’t bounce back to the levels of years past because borrowers realized the dangers of assuming too much debt. “We saw America deleverage by hundreds of millions of dollars, and businesses did the same thing,” she says. “They hunkered down. They got refocused.”

Under the Microscope

Are small companies actually seeking fewer loans? It depends on whom you ask. Through the recession, the National Federation of Independent Business consistently reported in monthly surveys that the credit crunch was not the biggest issue for its constituency, because so many owners weren’t seeking loans. Other small-business advocacy groups such as the National Small Business Association offer a different view. Although lower demand “may be a small part of the equation, the decrease in loans is more likely related to the terms and availability of such loans,” said the association’s 2009 end-of-year report.

As for the quality of borrowers these days, many businesses have undeniably become less creditworthy because of reduced sales, tighter cash flow, and lower credit scores from debts and slashed credit lines. But most business owners, like Mr. Valencia, don’t view themselves as risky investments.

His company pulled in $2 million in sales last year, he says, and has received interest from some large international airlines. With credit access, he adds, JTI could hire 100 employees in the next four years. Without it, the company has had to shave its staff of 12 down to four.

“We spent quite a bit of money to procure machines and equipment,” says Mr. Valencia. “I have the experience. I know what we’re capable of doing.”

Mr. Valencia says he is having trouble with cash flow, often a red flag for bankers. But he adds that the problems are stemming not from his financial mismanagement but instead from his customers who have been slower to pay—a point he thinks banks fail to take into consideration.

What Happens Next?

So far, efforts from the administration to spur small-business lending have fallen flat.

As part of last year’s stimulus package, for instance, the SBA enhanced its loan-guarantee program, which gives banks more confidence to lend by reimbursing them in the case of default. The program eliminated loan fees for borrowers while increasing the maximum guarantee amount to 90% from 75%.

But such programs haven’t proved as popular as hoped, in part because many banks are disenchanted with SBA lending programs. Particularly for community lenders, programs are too paperwork intensive and require personnel that banks can’t afford. Streamlining the programs was one of the banks’ top requests at a roundtable meeting with Mr. Obama in December.

Last week, the House passed a $30 billion initiative for community banks to borrow from the government at low rates. President Obama, who announced the idea last October, is encouraging the Senate to quickly pass the program into law. The president has also asked legislators to pass a regulatory overhaul and raise the limits on SBA loans.

There are other proposals on the table. Among other Democrats, New York Congresswoman Nydia Velázquez, who heads the House Small Business Committee, has proposed expanding the SBA’s disaster-loan program, which issues loans directly to businesses in areas that have been hit by catastrophes. The agency, she says, could underwrite loans to small businesses that have not been able to get funding from banks.

The SBA has vehemently opposed this idea, arguing that it lacks the infrastructure to take on such a task and would not want to compete with the lenders that use their loan products.

Other proposals center on nontraditional lenders that don’t work like banks and have more flexibility in lending guidelines.

Some politicians, such as Yvette Clarke, another House Democrat from New York, want to expand a Treasury Department fund that supports Community Development Financial Institutions. These groups, usually nonprofit microlenders, often have a mission to target people who don’t qualify for traditional loans, provided the borrowers can ameliorate the risk. For instance, some CDFIs will lend to less-creditworthy people if they enroll in financial-education courses.

Similarly, the Small Business Intermediary Lending Pilot Program Act of 2009, sponsored last year by Sen. Carl Levin, a Michigan Democrat, would authorize the SBA to make direct, low-interest loans to 20 nonprofit intermediary lenders, which would then use the money to make loans of up to $200,000 to eligible small businesses.

Another proposal targets credit unions, which have boosted their lending through the recession. Legislation in both the House and Senate would let these nonprofits lend 25% of their assets, up from 12.25% under current law.

Meanwhile, Mr. Valencia and other hopeful borrowers continue to pound the pavement in search of financing. Until they can procure it, the promise of full recovery may continue to be out of reach.

“There are millions of us that are trying to get this economy back to where we were,” says Mr. Valencia. “The government is not creating programs to support start-up businesses. It’s irritating.”

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Working Capital Fast

Money to Solve Cash Flow Needs

100% Profit Sharing Project Funding Program.

by JOE TUFO[EDIT]

100% Profit Sharing Project Funding Program.

This is NOT a LOAN Program; there is NO DEBT SERVICE.  It is a Profit Sharing Program whereby the New York-based Funder/Investment Firm provides 100% of the project costs plus fees in exchange for a minimum of 30% of the NET profits.  There will be no provisions for recourse on the deal, no terms of payment or repayment in the funding docs.   A client can buy out the Funder/Investment Firm after 3 or more years from build out, but it is optional.  Merrill Lynch is the Escrow Company, along with an established attorney firm and a Consultant Firm that pulled the Program together.

Basically, the Funder/Investment Firm looks for financially and economically viable projects.  Among other types of projects, they like hospitals, resorts, mixed use, green and humanitarian projects, as long as it makes economic sense.  They won’t look at a project unless it has strong equity and/or liquidity among the major principals.

The 1% or less (depending upon the size of the program) Good Faith Deposit (GFD) is required only AFTER the Terms & Conditions Agreement, Escrow Agreement, and Capital Investment (Profit Sharing) Agreement are signed (so all terms and players are understood), and it is REFUNDED with the first draw.  Merrill Lynch must verify with all 5 signatories (client, Merrill Lynch, third party attorney firm, Funder/Investment Firm, Consultant Firm) that they ALL agree to move the money out of the account before any escrow money can be transferred.

The fees are high, but they are one-time fees and rolled into the gross funded amount.  The fees are 18%, as distributed below, plus another 6% points.
10% – HSBC (to issue the bank instrument used by Funder)
6%  –  Funder/Investment Firm
2%  –  Consultant Firm (my fees are incorporated in this number)
18% Fees + 6 Points

To submit, a project needs to provide  the following:
1.  Executive Summary
2.  Business Plan
3.  CIS – must be notarized
4.  Proforma/Financial Data
5.  Source and Use of Funds
6.  Bio/Resumes of Principals
7.  Personal Financials of primary principal(s)
8.  Proof of Funds
9.  Corporate Docs (I have samples of Corporate docs if needed):
– Fit & Proper
– Director’s Self Declaration
– Confirmation on the bearer shares undertaking
– Board minutes to appoint the representative in executing the escrow agreement
– Certification of Incorporation

The procedure for qualifying for the financing is as follows:

1. Client submits their CIS and all required documents to Cash Flow Specialists, Inc..

1. Cash Flow Specialists, Inc. will review the application and submit the package to the Funder/Investment Firm for evaluation, which normally takes 5-7 business days.  If approved, a Terms and Conditions Agreement, Escrow Agreement and Capital Investment Agreement will be issued listing all details of the proposed transaction for the client’s review.

1. If the client wishes to move ahead with the financing, they will then need to endorse all three documents as specified in Step #2 above, return it to Cash Flow Specialists, Inc. and remit the Good Faith Deposit to proceed to the next step.  This escrow amount will vary from 1% of the Total Gross Funding amount to 0.25%, depending on the transaction size.

1. The file will continue to be reviewed and any additional conditions will be required to be remitted.

1. Once all conditions have been satisfied, the Formal Funding Documents will be issued, which will reiterate the terms of the financing.

1. After the signed Formal Funding Documents have been returned to the Funder/Investment Firm, the transaction will move to funding.  At the time of the initial funding, the escrow funds will be rebated to the client with the first monthly draw.

1. Subsequent fundings will occur as per the draw schedule, which will be part of the Legal Formal Funding Documents.
2. Regarding a high level timeline, initial funding is expected 90 days after the GFD funds are deposited into the escrow account.

Sample $50,000,000 Funding

Project Name:	Project Name
Company Contact:	Company Contact
Company Name:	Company Name
Company Address:	Address, City, State/Prov Country Zip/PC
Net Funding Amount:	$50,000,000
Total Fees (18%):	$9,000,000
Sub-Total:	$59,000,000
Points 6%:	$3,540,000
Gross Funding Amount :	$62,540,000
Good Faith Deposit required to be put in Escrow:	$625,400
Anticipated Initial Funding	Month of XXXX
Non-Refundable Escrow Agent Fee allocated to Merrill Lynch from Good Faith Deposit:	$5,000
Non-Refundable Due Diligence Fee allocated to Funder//Investment Firm from Good Faith Deposit:	$50,000
Refundable Fee Allocated to Funder/Investment Firm for Financial Instrument Acquisition from Good Faith Deposit	$125,000
Minimum Years before Buy-out Eligibility:	X Years
Financial Reporting Required to Funder//Investment Firm:	Quarterly from Date of Financing Closing Date
Remittances of Net Profit to Funder/Investment Firm:	Quarterly from Date of Financing Closing Date
Annual Audits Required by Mutually Acceptable Local Accounting Firm:	Yes
Expiration of this Document if not returned and endorsed with Good Faith Deposit to follow on the same business day.	DD/MM/YYYY

Note 1 – Fundings under $200M require 1% GFD, fundings from $200M to $1.5B require .5% GFD, over 1.5B require 0.25%.

Note 2 – Escrows will be held with Merrill Lynch in a managed escrow account.
Please note there are TWO NON-REFUNDABLE fees that come out of the Good Faith Deposit, one $5K fee for Escrow Management and one fee between $25K-100K for due diligence.  The due diligence amount depends on the number of principals that need background checks, the citizenship of the principals, and the location of the project (overseas vs. U.S.).  They use a well known 3rd party to perform the due diligence; Kroll (www.kroll.com) is known worldwide for their background screening.  A client will be able to get copies of all information obtained by Kroll during the due diligence process, so you’ll know how your non-refundable due diligence fees were spent.

The Profit Sharing Position of the Funder/Investment Firm will be at least 30% of all net profits for the project as listed above.  If the client wishes to take out the Funder/Investment Firm, they may do so after the minimum term for the greater of 30% of the Fair Market Value of the Project, as determined on the Valuation Date, or the Gross Funding Amount.

The Valuation Date is the date at which the client wishes to buy out the Funder/Investment Firm’s Profit Sharing position in the project.  If the client does not wish to buy out the Funder/Investment Firm, then the 30% profit will be payable to the Funder/Investment Firm on a quarterly basis, within 30 days of each quarter year from the transaction closing date.

The Funder/Investment Firm will have no operational activities.  It is the responsibility of the client to send reports to the Funder/Investment Firm of business activities on a quarterly basis and to keep them abreast of any material developments.  Quarterly reports and annual audits will also be required.

FUNDING

All draw schedules must take place over a minimum of 12 months.  In some cases where the deal is an acquisition, this may cause some complications as the client may wish to have an accelerated draw schedule so that the initial funding will be sufficient to cover the acquisition cost of the assets required for the Project.

Due to the program limitations at this time, it may be necessary for the client to “bank” the draws so that they have the funds they need to acquire the assets over a period of a few months.  While we can appreciate this inconvenience, due to the current banking guidelines we must adhere to, we have little room for variance.  When this practice is used, the client will be able to put the funds aside and schedule the acquisition for the time when the fund accumulation will be sufficient to cover the initial costs of their project.

To assist in offsetting this situation, where the draws do need to be accelerated, the fees may be allocated over the draw period for up to 12 months.  This will increase the net draw amount and allow the client to access more funds at the early stages of the draws than would be available if the fees were taken from the initial draw, which is typical.

Below is a Draw Schedule using the above example figures with the draws spanning 12 months and the fees/points being distributed over the first 3 monthly draws.

Sample Draw Schedule Base Funding Amount $50,000,000 Total Gross Funding Amount $62,540,000 Number of Monthly Draws 12 Month Gross Draw Amount Less Fees/Points: Net Draw Amount 1 5,211,667 4,180,000 1,602,067 * 2 5,211,667 4,180,000 1,031,667 3 5,211,667 4,180,000 1,031,667 4 5,211,667 0 5,211,667 5 5,211,667 0 5,211,667 6 5,211,667 0 5,211,667 7 5,211,667 0 5,211,667 8 5,211,667 0 5,211,667 9 5,211,667 0 5,211,667 10 5,211,667 0 5,211,667 11 5,211,667 0 5,211,667 12 5,211,667 0 5,211,667 Totals $62,540,000 $12,540,000 $50,570,400 * Includes Good Faith Deposit Rebate, assumes $5,000 Escrow Agent Fee and $50,000 Due Diligence Fee.  This is for illustration purposes only and will change from transaction to transaction.

The Funder/Investment Firm just closed a $500M project on April 20, 2010.  They will provide proof of performance, but only via attorney to attorney.  I have two projects that just received offers from this Funder/Investment Firm.

I hope this helps.  Feel free to call me if you have any questions.  I look forward to working with you.

____________________________________________________________

It never ceases to amaze me how many dreamers and schemers call and write me each week.

I keep writing articles about the importance of proper presentation and yet people continue sending “crap” and expecting a miracle. It’s not going to happen.

One genius called Monday looking for $47 million in funding. He has no business credit, no financials, a 503 personal FICO score, no money for due diligence and wants to know how quickly he’ll be funded. HELLO????

______________________________________________________________

My friend, Steve, and I are collaborating on an article, “How To Be A Good Client.” Steve runs the premier debt finance brokerage agency in the USA.

Steve has a niche commercial loan available countrywide for assisted living, nursing homes, adult homes, and other commercial properties. The “sweet spot” is $2m to $5m, interest only, 13% interest, eight points, and it closes within 30 days, 65% LTV, blemished personal credit is okay.

_________________________________________________________________________

This came in from Richard, a 35-year seasoned utility and energy provider Thursday, May 20^th:

When PLATT (current market pricing) is at $95 and the customer is paying anywhere from $85 to $105 for the product, I can undercut current market conditions selling direct for a discount that buyers will jump at. I have contacts with many of the major oil companies and with many in the oil and gas industries, along with contacts that sell directly to the airline industry.

It is having the proper contacts in these industries on both the buy and sell sides of these transactions that makes this achievable.

If you have anyone in mind call me to discuss.

Thank you
Richard

__________________________________________________________________________

Gaining access to credit remains challenging

for many business owners.

If you have

commercial accounts receivable on your books.

Factoring can provide a bridge until traditional financing

is more readily available.

________________________________________________________________________________________

LET US WORK HARD FOR YOU……..YOU ASK WHY?

This brings the total number of US Bank Failures to 81 so far in 2010, compared to 140 in 2009, 25 in 2008 and 3 in 2007. If bank failures continue at this pace, an estimate of over 190 banks will fail in 2010.

Although the economy is showing signs of a gradual recovery still tumbling home prices, soaring loan defaults in residential and commercial real estate and rising unemployment continue to take their toll on small banks. In the fourth quarter of 2009, the number of banks on the FDIC’s list of problem institutions grew to 702 from 552 in the third quarter of 2009. This is the highest number of problem institutions since the savings and loan crisis in the early 1990′s. Increasing loan losses on commercial real estate are expected to cause hundreds more bank failures in the next few years. The FDIC anticipates bank failures to cost over $100 billion over the next three years.

We work closely with senior management, providing current capital market intelligence on pricing and structure of existing debt. Our market data provides a competitive edge to our clients seeking to minimize their cost of capital and increase their cash flow. “We are the company for working capital solutions”.

Complicated capital structures often become dislocated in relation to the market. Cash Flow Specialists, Inc. due diligence and analysis flushes out opportunities within a company to provide growth where needed.

We provide comprehensive market solutions and ideas in a form that allows management to provide real market intelligence in order to let their company grow in this economy.

OUR FINANCIAL SERVICES

• HARD TO DO REAL ESTATE PROJECTS/LOANS
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• HARD / PRIVATE MONEY LENDING

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This is an interview that Dale conducted with me in July 2009. It may be of benefit to you:

http://joetufo.com/blog/about/why-we-limit-out-mutual-risks

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This came in from Pat Wednesday June 9^th:

Trust Deeds: A Wise Investment

Trust Deeds Wise Investment

Investors have a variety of options from which they can choose to invest and grow their money. Each one carries its own risks, game plan and category. From the stock market to deeds of trust and savings bonds, investors can decide where they will put their seed money based on what risks they want to take and how well they can plan a strategy. With so many choices and with the uncertain economy, how can investors decide which avenue will ensure the safest and most profitable outcome?

Every investment venture has a degree of risk and yet trust deeds are shown to be the safest of all investments today. Why? Because a trust deed  loan is secured by something tangible—acreage, houses and other valuable buildings.

Another appealing advantage of the trust deed investment is the higher rate of return. Private lenders are not constrained by the same set of rules a banking institution imposes. Therefore, loans are more flexible and granted more quickly with less hassle because the private lender has a broader criterion with which to work.

Going one step further, trust deed investments are appealing because the borrower has a great deal to lose if he defaults on the loan. His home and land could be taken away, which is incentive to do whatever it takes to make sure he keeps up with the payments.

Why invest in trust deeds? Like most people, you’re probably looking forward to retirement. To that end you will need to invest in a venture that enables you to take care of yourself and your loved ones when working is no longer desirable. Those who have invested for retirement concur that trust deeds are the most profitable.

At an earned interest rate of 10-15% compared with the 2-4% of a savings account, it becomes apparent that theearning potential of a trust deed investment far exceeds that of more traditional ventures. Not to mention being less risky than stocks and not as stifling as a low yield mutual fund.

Early retirement is an added benefit as well. With a 10-15% interest rate compounded annually, an investor can shave years off the time originally allotted for his retirement because he will reach a comfortable nest egg much sooner.

If you’re still not convinced, there are a number of other bonuses to trust deed investing.

1.    On average, borrowers pay more interest than traditional banks.
2.    The interest payments of a trust deed generate monthly income.
3.    You can trade trust deeds
4.    Trust deeds are liquid and therefore sell easily in most cases.
5.    Your protection is increased because amortization lowers the loan amount.

No doubt as your knowledge of trust deed investing grows you will appreciate how such an investment will reward you with a high return for your low risk investment.

PF specializes in assisting experienced local developers purchase, and rehab, distressed properties in CT, NY, MA, and RI. PF is currently looking for investors that want to participate in the high returns offered by real-estate investing, without having to deal with the normal hassles involved with managing a real-estate portfolio.

PF offers a 12-15% fixed rate of return to the investor, secured with a first trust deed at an 80% loan to cost ratio.

Interest is paid monthly, quarterly, semi annually, or annually. An annual lump sum interest payment is collected from the borrower at closing, so PF never has to chase the borrower for interest payments.

Loans are typically a  12 – 18 month term, and no loans are made without PF first: personally inspecting the property, and second; receiving from the borrower a secure and verifiable exit.

If you have an interest for yourself or a client please contact Joe Tufo at 925-352-6000.

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“And Jesus said unto them … , “If ye have faith as a grain of mustard seed, ye shall say unto this mountain, Remove hence to younder place; and it shall remove; and nothing shall be impossible to you.”
Romans 1:17

Failure: Henry Ford
Failure is simply the opportunity to begin again, this time more intelligently.

As always we are available M-F 7AM to 5PM Pacific to serve you and those whom you choose to refer.

Joe Tufo, Certified Cash Flow Consultant, Certified Capital Specialist
CASH FLOW SPECIALISTS, INC.
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Alamo CA 94507
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