Category: Film Funding

“Every Day We Hear From Clients Who Express Frustration, Trying To Fund Their Business Or Real Estate Project… In A Tight Credit Market”

“Every Day We Hear From Clients Who Express Frustration, Trying To Fund Their Business Or Real Estate Project… In A Tight Credit Market”

That’s because the banks are not able to meet their needs anymore. The credit crunch has infected the capital markets, hurting the standard commercial banks… and the clients who rely on them.

That’s where we come in. We have 383 alternative funding sources that are interested in putting their money up for the right projects.

What is the right project? The answer may surprise you. It starts with the size. It’s easier to fund a $10 million deal than it is a $100,000 deal. That’s why I specialize in deals of at least $10 million. That’s because most of my sources prefer the larger deals. I can’t say as I blame them. They’ll make more money, for a less-than-proportional amount of time and effort on their part.

What else? Funding sources (whether debt, equity, or a combination) like to see that you have “skin in the game”. A film maker came to me once, seeking funds for his movie. When asked about “skin in the game”, he thought I was asking about nudity in the picture.

That’s not it.

By “skin” I simply mean how much money do you have in your own deal? This is important because investors, and lenders, like to know that you can’t easily walk away from your deal if it starts to go bad… leaving them holding the bag.

Having sufficient skin also opens up funding sources and options for you… that just aren’t available for “nothing down” deals.

How much skin do you need? That will vary with the size and type of project, but for most deals, even as little as 1-3% cash on hand can help you get the funding you need. In other words, if you want to raise $10 million, it will help if you have at least $150,000 already. If you have a lot more, you will be able to generate greater interest from my sources.

What about industry? Does that matter?

Not so much. Some lenders like real estate deals. They are familiar with those kinds of deals because that’s what they do… and have done for years. It’s a comfortable industry for them.

But that’s not all. For example, I secured $150 million for a company with a cancer treatment. I work on deals of (and have sources that will entertain) almost any legal industry you can think of.

What about credit scores?

For many lenders, your credit history and rating are important. But I have many funding sources that will look past less-than-perfect credit, if they like the deal (and you have some skin in the game)

The First Two Questions For You To Answer

For best results, I’m going to want to know two things upfront… (before I know how great your product is, or how long you’ve been in the business, or where you went to school, or anything else)…

Tell me:

1. How much money you’re looking for; and

2. How much cash do you currently have available to invest in your own project (skin).

Once I know that much about your project, I’ll know where to take your deal for best results.

I’m looking forward to hearing from you.

Film Funding In The News Large Projects Money Available Preparation Real Estate Projects Referral Partners Stock Loans

An Education In Captive Insurance–Part One

Post author By Joe Tufo
Post date September 19, 2009
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As many know I was in the Insurance Business from November 1976 to June 1999. I taught Insurance for 19 years. Some have asked for help as I do consulting work http://www.joetufo.com/consulting

I am no longer licensed but still receive Insurance publications and read them monthly.

A funding source of ours has asked me to consider running a captive Insurance Company for them. That’s what prompted this article.

I wrote an Ebook on Project Funding http://www.projectfundingoptions.com which examines funding from a risk management perspective. You may want to acquire a copy.

At some point in the development and growth of a business, most owners eventually recognize the need to focus a great deal more resources on managing risk.

As business owners realize greater returns in varying market cycles, they also begin to identify greater inherent risks to their assets and the ultimate viability of their business.

Risk Management Defined:

The concept of risk management can be defined as the identification, evaluation and prioritization of risks or hazards followed up by an organized and economical deployment of resources to reduce, monitor and control the probability and ultimate impact of any number of unfavorable events with respect to a business.

Risks can be realized in numerous areas including but not limited to: financial markets, credit and liquidity risk, technological obsolescence, project failures, legal liabilities, accidents, natural causes and disasters as well as overt market attacks from competitors.

Some risks are insured through third party commercially oriented insurance resources, while most others are self-insured by the business owner.

What is a Captive Insurance Company?

A Captive Insurance Company is an insurance company established primarily to insure the risks of a business, which is related to it through some form of common ownership.

More specifically, the owner of a business can form a wholly owned licensed captive insurance company for the purpose of insuring his or her related company’s risks.

The insured business pays premiums to the Captive in exchange for insurance coverage.

A compliant Captive can be owned by the business owner, his children and/or spouse, other relatives, a Trust or another related company.

Captives that are owned by United States citizens account for approximately 4,000 of the nearly 6,000 Captives that are currently in operation globally.

Captives can be domiciled and licensed in numerous jurisdictions, both foreign and in the United States.

There are now at least 36 countries and 24 U.S. States with captive insurance legislation that serve as captive insurance domiciles.

Captive insurance companies that are formed outside the United States can make an Internal Revenue Code Section 953(d) election to be taxed as a Domestic U.S. corporation for U.S. Tax purposes.

This may allow a foreign based captive insurance company to receive much the same U.S. Tax treatment and benefits as a Captive formed in the United States.

Generally, the biggest difference is that a foreign based Captive has a lower cost of structuring and ownership. For this reason many small captive insurance companies with annual premiums below $1.2 million are formed and licensed in a foreign jurisdiction. Otherwise, the upfront and ongoing costs could prove to be prohibitive.

In the last 30 years there has been enormous growth in the number of captive insurance companies globally. As a result, there are currently upwards of 6,000 captives worldwide writing nearly $25 billion in premium. These companies have capital and surplus estimated in excess of some $50 billion.

The captive insurance industry built its foundation on the formation of mutual and co-insurance companies some 80 plus years ago. As you may know, Allstate Insurance Co. was founded in 1931 and underwrote some of the risks of its parent company, Sears, Roebuck & Co.

The greatest motivation for the development of captives has been the volatility, expense and lack of availability of certain types of insurance coverage in the third-party commercial market. However, even when commercial premium rates are available and economically viable, the interest in captives by risk managers and business owners continues to be extraordinarily strong.

Evidence of this demand is provided not only by the sheer number of captives being formed but also by the increasing number of jurisdictions available for their incorporation through new legislation.

Long-standing jurisdictions, such as Bermuda, Cayman Islands, Guernsey, the Isle of Man and Luxembourg have been joined in recent years by the likes of Anguilla, Barbados, British Virgin Islands, Dublin, Gibraltar, Kentucky, Montana, South Carolina and Vermont.

In Vermont alone, there are now nearly 600 Captive Insurance Companies.

There is no greater evidence of captives entering the risk management and insurance mainstream, then the Council of Lloyd’s passing a bylaw 11 years ago, permitting the establishment of captive operations at Lloyd’s of London.

There is demand by business owners large and small to take back control and management of their cash flow and risks.

Some considerations for forming a captive insurance company:

Captive Insurance Companies are formed for a number of economic reasons with the main incentive being risk financing and risk management. Consider the following:

• Asset Protection considerations: Captive insurance companies may have considerable Asset Protection benefits for their owners and affiliated insured parties. With respect to Asset Protection, one should consult with a qualified professional advisor as this can be rather complex.

• Lowering insurance costs considerations: Naturally, commercial market insurance premiums must be adequate to meet the cost of claims. Though like any commercial endeavor, insurance companies are in business to make money and will therefore include in the premium provisions for their operating costs, marketing costs and desired margin of profitability.

This portion of the premium can represent as much as 35% to 45% of the gross premium.

In the case of establishing a captive, the parent company seeks to retain any potential profit within the group rather than see it go to an outside third party.

A captive may also help reduce insurance costs by charging a premium that more accurately reflects the parent’s loss experience rather than the extremes represented in many lines of coverage.

• Claims management considerations: The process of making a claim from a third party insurer can be an expensive, long and arduous process.

Through a captive, the claims handling procedures can be directed by management, cutting down on the costs, delays and bureaucracy that are often a part of the claims handling procedures of commercial insurers.

• Cash flow considerations: Aside from the pure underwriting profits, most insurers rely on investment returns and income. As you no doubt have realized insurance premiums are generally paid in advance while claims are paid out or realized over a much longer time period.

The time period leading up to the point when claims can become payable the premium is available for investment.

When operating a captive insurance company, premiums and investment income are retained within the group or company. Additionally, a captive insurance company may be able to offer a more variable or flexible premium payment schedule, often resulting in a direct cash flow advantage to the parent company over other market offerings or third party providers.

• Risk retention considerations: In some cases, company’s become interested in retaining or taking more control of their own risk. Sometimes this is done by simply increasing third party insurance deductibles on various lines of coverage.

Interestingly, there is not always a direct correlation between increasing deductibles and lower premiums. Additionally, in this scenario there are obviously no reserves to pay future claims with respect to these coverage’s.

• Unavailability of coverage considerations: Often the commercial insurance market is unwilling or simply unable to provide coverage for a variety of risks.

In other instances, the premium costs are clearly not economically viable either short or long term. In these cases, a captive insurance company may offer the necessary coverage with respect to these risks.

• Risk management considerations: As is the case with many Fortune 500 companies, a Captive Insurance Company can be the cornerstone for the risk financing and risk management activities of its parent company.

Ultimately, a thoughtful and prudent risk management and financing plan should result in profits for the captive insurance company.

Furthermore, risk management can be viewed by a captive owner not as an expense, cost or drag but rather as a potentially robust channel for profitability over the long term.

• Access to the reinsurance market considerations:

As you know, reinsurers are the international low cost provider or wholesalers for the insurance world.

While operating with a substantially lower cost structure than a direct insurance company, a reinsurer is often able to provide coverage at highly advantageous rates.

When using a captive insurance company to access the reinsurance market the buyer can more easily determine his own risk retention levels and ultimately structure his business affairs on a customized basis with greater flexibility.

• Writing unrelated risks for profit considerations:

Aside from underwriting its parent companies risks, a captive insurance company may very well operate as a separate business channel by underwriting the risks of third party companies.

More specifically, a company or organization may be interested in selling insurance coverage to its existing customers with respect to its core operating business.

For example, a distributor of industrial pumps, furniture, recordable media, hurricane shutters or automobiles may compliantly sell extended warranty coverage to customers with the risk being carried by the distributor’s captive insurance company along with reinsurance.

The historical claims blueprint for this type of business model is generally highly predictable with a significant number of smaller events, resulting in a meaningful source of revenue to the distributor or parent company.

• Tax considerations:

Captive insurers must meet certain compliance issues such as “transfer of risk and distribution of risk” in order to be treated as an insurance company.

Without exception, the tax considerations in forming a captive insurance company should be contemplated in the context of a comprehensive tax plan with qualified professional tax and legal advisors.

Collateral Instruments Film Funding In The News Large Projects Money Available Preparation Real Estate Projects Referral Partners

COLLATERAL STRUCTURE FOR PROJECT FINANCING $25m to $3b

Post author By Joe Tufo
Post date August 21, 2009
No Comments on COLLATERAL STRUCTURE FOR PROJECT FINANCING $25m to $3b

COLLATERAL STRUCTURE FOR PROJECT FINANCING

This is one of several large project funding sources that we have. Read this material carefully. If the terms and conditions are acceptable let’s talk. I provide a one-tine 15-minute FREE consultation. Additional consulting time is available at http://www.joetufo.com/roadmap and http://www.joetufo.com/consulting.

(LOAN GUARANTEE-BANK COLLATERAL STRUCTURE)

Do you have a project or company that requires funding, but the lender (Bank, Private Lender or Equity Investor or other) is requesting additional collateral?

Is your project a profitable venture?

Do you have the experience and skill sets to run this project once we fund it?

Are you willing to sell to our investor 30%-75% of your project for a CASH payment plus 100% of the financing you require?

If you answered YES to ALL of the above questions, our Loan Payment Guarantee Program can help solve your problem and provide the Bank Collateral you require.

• We provide CASH BACKED BANK INSTRUMENTS & GUARANTEES from a top 25 World Bank.

• Minimum Funding/Collateral Amount: $25 Million

• Maximum Funding/Collateral Amount: $3 Billion

• Our program can work with almost any type of project regardless of its location in the world.
CLOSING TIMEFRAME: 4-6 weeks (Dependent on the expedience of Funding Source)
FUNDING SOURCE REQUIREMENT: Client must have a Funding Source (Lending Bank, Private Lender/Investor, Hedge Fund, Insurance Company, etc); which is ready, willing, and able to provide loan funds.
The Funding Source selects both the type of Collateral (Bank Instrument) and the Bank (top 25 World Bank), which it wants to provide the Collateral.
The Funding Source issues to the Borrower a letter, which, among other things, includes its willingness to provide the subject loan, subject to receipt of acceptable Collateral. A sample copy of this letter is attached and identified as Attachment A.
COLLATERAL: The Collateral Provider we represent, in the United States, is willing to provide a CASH BACKED Bank Instrument (Top 25 World Bank) to guarantee the loan repayment to the Client’s Lending Bank.

The Bank Instrument will guarantee the return of principal, one years worth of interest and any fees back to the lender. Client’s Funding Source will determine the “type” of Bank Instrument, the amount of interest, and their requirements to proceed with the Client’s loan.
All Bank Instruments are Cash backed, CD’s or LC’s, SBLC or DPLC or BG’s all from top 25 World Banks. NONE OF THESE INSTRUMENTS ARE LEASED OR BORROWED.
At the end of the loan term (one year and one day), the Funding Source receives the principal and interest payment from the issued Cash backed Bank Instrument (Collateral), which liquidates the loan.

MISCELLANEOUS POINTS OF INTEREST
•   No Upfront Fees
•   No Collateral Provider Closing Fee
•   Part of Loan proceeds becomes equity participation, part remains loan
•   Investor will require 30% to 75% of the projects equity
•   Low 6% interest for what part of loan remains a loan- Up to a three (3) year “interest reserve” which can be added to the original principal borrowed at the time of the loan and payable at the end of the term.
•   For real estate property with fee simple and building assets that are seven (7) years or older a five (5%) percent capital account will be added for reserves for rehab, roof, electrical and plumbing and re-freshed FFE (furniture, fixtures and equipment)

ANY TYPE OF LENDER IS ACCEPTABLE:
•   Bank
•   Private Lender or Angel Investors or Equity Investor
•   Pension Fund
•   Brokerage Firm
•   Hard Money Lender
•   Hedge Fund

PROCESS:

• The process of securing a one year loan against our collateral providers (investors) bank guarantee is actually quite simple. Our process is different to a traditional closing in only one respect. In order to engage our investor, we require a conditional letter of interest (willingness letter, attached) this is how projects get approved. Once we have a willingness letter from a legitimate lender, the process moves very quickly to a loan closing. When we receive this willingness letter, our investor’s bank will contact the lending bank within 15 to 20 banking days. This bank to bank communication must occur in order for the loan process to proceed to closure. The first thing our investor’s bank provides the lending bank is a patriot act disclosure routine.

• The patriot requires that our investor provides the lending institution 100% transparency as to the source of his funds, who he is, the history of his funds, as well as proof of funds. Once the patriot disclosure requirement has been satisfied, the discussion turns to the type of bank guarantee instrument the lender would like, the bank they would like it issued from and the language they would like in the instrument as well as establishing/confirming the closing procedures. Every lender creates and customizes their own guarantee.

• In most transactions of this type the investor is hoping the collateral is never called upon. In our scenario it’s just the opposite, this bank guarantee will become the lenders exist. We include all interest and fees into the guarantee for this one year loan. At one year and one day, the lender draws upon their instrument and all principal interest and fees are paid in full.

• Of all the loans that your lender is likely to make over the course of the next 12 months, no loan that they make will have less risk than this transaction. As a matter of fact, this letter has been shown to the Treasury department and the Treasury likes our transaction because it has ZERO risk to the lender. This loan should move to the top of the “pile” for any lender you are talking to. This is the least risk transaction they can engage in as they are essentially making a loan against cash that they are in control of.

PROCEDURES:
A) Client (Borrower) submits to Funding Source initial documents for review.
1) Business plan with executive summary (On client letterhead with contact info).
2) Conditional Funding Letter is issued from the Funding Source to the Client. See Attachment A for a sample of this letter. The text of the Letter must be exact or very similar to that in Attachment A. The “key” is the Funding Source stepping forward first with this letter. This “activates” the entire process.
3) Special Request Letter: If the Funding Source (Investor) requires a specific Collateral Bank, bank instrument or higher interest rate than (6%), that request must be submitted on a separate cover letter along with the above Conditional Funding Letter.
4) Funds Confirmation Letter (if applicable): If the Funding Source is a private entity, and not a bank, it is required to provide an authorization letter, which allows the Collateral Provider Bank to confirm funds and obtain confirmation of “Proof of Funds” from the Funding Source’s bank.
B) Collateral Provider’s representative speaks with borrower to discuss transaction.
C) Collateral Provider discusses delivery of the Bank Instrument with the bank of the Funding Source. The Funding Source provides “banks” from which it will accept collateral (from Top 25 World Bank). The Funding Source provides the language/text of the Bank Instrument. The Funding Source can customize this instrument to its specifications. The Funding Source picks the Bank that provides the Cash Backed instrument. The Funding Source picks the type of instrument. The Funding Source picks language in instrument. This is a risk-free transaction to the Funding Source.
D) The transaction proceeds on a Bank-to-Bank basis between the Collateral Bank and the Funding Source Bank. All terms of the Bank Instrument, including delivery of Bank Instrument are agreed upon.
E) Bank Instrument (guaranteeing principal and agreed upon interest) is sent to the Funding Source Bank, from the Collateral Bank.
F) Funding Source Bank confirms and authenticates the Bank Collateral.
G) Funding Source Bank provides agreed upon loan funds to Client. Funds are sent to a designated account in the Client’s name, at the Collateral Bank, in a Non Depletion Treasury Trust Account.
Loan funds are not issued to Client until the Funding Source Bank has received the Bank Instrument and the Funding Source Bank has confirmed and authenticated the Bank Instrument (Collateral).
The loan proceeds are sent back to Collateral Bank for the benefit of the project. Client provides a draw schedule and we fund your project. Funds will not be liened, encumbered, or withdrawn from the Client’s Bank Account until it’s disbursed to the Client. THIS IS GUARANTEED BY THE COLLATERAL BANK IN WRITING TO THE CLIENT
Our FEES: We normally add 20% to 25% to the loan request to cover our fees (10% to 15%) and maintain a reserve of 10% of loan amount (Collateral). Funds will be deducted and disbursed when loan funds are first wired into the Client Deposit Account at Collateral Bank. Client signs commission agreement agreeing to these terms. Commissions would be added to loan amount and deducted as stated. Client is NEVER responsible for repaying the overage. The only funds the Client is responsible for is the funds that go directly into their project. Client and VC firm will enter into a JV for the project funding.
HOW TO APPROACH YOUR FUNDING SOURCE: Many funding sources will not just issue a letter stating they will fund a project contingent upon collateral. Usually, a Client must submit a loan package for review under the normal due diligence process.
Discuss your project with your bank or lender. State to them, I “MAY” be able to bring in a Joint Venture Partner that would be willing to provide acceptable Bank Collateral from a Top (25) World Bank. The Funding Source can confirm which Bank or Banks would be acceptable and what type of Bank Collateral (Bank Instrument) would be acceptable (including the required interest rate to be paid).
Ask the Funding Source to issue the basic Bank Interest Letter (Attachment A).
IMPORTANT: The Collateral Provider does not get involved with any transaction until the Funding Source Interest Letter has been issued and submitted.
BANK INTEREST LETTER: (Attachment A). Required to proceed. Must be exact or as close to exact as possible. Additional Lender requirements must be submitted under separate cover letter along with the specific Bank Interest Letter.
Excellent Co-Broker Fees (If applicable).
OPTIONAL USES OF OUR PROGRAM: This structure and program can be used with ANY Funding Source for ANY type of project as long as the Funding Source is willing to lend the borrower funds, contingent upon acceptable Bank Collateral (Bank Instrument) to guarantee principal and interest, this structure can be used.
ARE YOU AN INVESTOR OR VENTURE CAPITAL FIRM?
We can show you how to use our program to your advantage as well. How about protecting an investment you are about to make? Use our program to protect your money while still making money on your project! We can show you how. Imagine you have a wealthy investor about to put 100M into a Hotel project in exchange for 60% of the project. Watch how we can help you… instead of the investor putting the 100M into the Hotel; let’s have the investor put the 100M into a loan against one of our Bank guarantees. We then take that money and put it into the Hotel. Now do the math, the investor went from a high risk to a zero risk transaction in one move.

We can give the investor a 15% return on this one year 100M loan. He takes 10% of the Hotel, keeps his money SAFE, makes 15% the first year guaranteed and has upside on the Hotel with ZERO downside. If you’re a professional, you will appreciate how smart a financial move this would be for a high net worth client.
All Bank Instruments are Cash backed, CD’s or LC’s, SBLC or DPLC or BG’s all from top 25 World Banks. NONE OF THESE INSTRUMENTS ARE LEASED OR BORROWED.
EQUITY CAPITAL/ START UP CAPITAL/ ANGEL CAPITAL: If you have a profitable opportunity/ project, this Collateral Structure can guarantee the investment made by any type of investor or lender.
This is an excellent structure that can be used for many transactions. When the Bank Instrument matures (one year-one day), it pays off the Client’s loan. The Collateral provider is now a partner and lender to the project along with the VC firm who is managing this process.
The Funding Source prefers this structure because it is able to lend funds and get a Bank Instrument from a Top 25 Bank guaranteeing repayment of the principal and interest. This is a RISK FREE transaction to the lender and the Client (borrower).
Let me know if I can answer any further questions.

Contact:
My contact info is as follows:

Joe Tufo
President, Cash Flow Specialists, Inc.

Direct: 800/669-2700 Fax 253-984-2853Email: joe@joetufo.com
http://www.joetufo.com

(ATTACHMENT A SAMPLE)

[FUNDING SOURCE LETTERHEAD]
Date:

Addressed to Borrower with full address, company name and project to be funded.

Dear [Client Name)

Having reviewed and evaluated your loan request for [the project], subject to receiving an acceptable Cash backed Bank Instrument issued by a Top World Bank acceptable to us for the purpose of the repayment of principal and interest, we shall extend to [your firm] a one year loan in the sum of ($ Dollars) for its ventures.

It is understood that we shall receive and accept agreed upon Bank Collateral, from a Top World Bank. This Bank Collateral will guarantee repayment of the loan funds at maturity of the loan (Principal plus 6% interest).

The face value of the Guarantee must represent 106% of the loan advanced and must be payable, at maturity, in one year and one day from its date of issue.

Funds will be disbursed by our bank to the bank supplying the Guarantee (Bank Instrument) (or to mutually consented coordinates) upon our authentication and identification of the guarantee (Bank Instrument) offered to us.

Unless a Bank-to-Bank communication is received by us, from the Bank that will supply the guarantee (Bank Instrument), this commitment will terminate on ………… (Approximately 90 international banking days from the date of the issue of this letter) ……….. At the end of the business day in New York, USA.

For verification of this communication and confirmation of our willingness to proceed with this loan offer, please request that the Bank that will supply the guarantee (Bank Instrument) make contact with:

Bank officer   :
Phone No.   :
Fax No.       :
SWIFT ID   :

Sincerely,

Signature of Authorized Representative
Of Funding Source, including title Signature of Authorized Representative
Of Funding Source, including title

Company Seal

ref: Gordon-Mancuso 0809

Collateral Instruments Film Funding In The News Large Projects Money Available Preparation Proof of Funds Real Estate Projects Referral Partners REO

Trade Platform Availability from George O and Brad J.

Post author By Joe Tufo
Post date August 14, 2009
No Comments on Trade Platform Availability from George O and Brad J.

I received this August 11, 2009. If you have the liquidity and want to participate you may want to consider this opportunity:

August 11, 2009

Hello Joe,

as per our phone conversations, here is an outline about the so called 300K Program: The client has to be aware that the funds have to be placed in to an escrow account with a Law Firm here in the US.

Initial Escrow of $300,000.00

The purpose of this transaction is to Lease a 100 M T-Bill in cooperation with a Security Firm in London, UK, and utilize the T-Bill in a private placement program with another trade platform in Europe. Due to the fact that the platform will accept the 100M T-Bill as a trade-able instrument, they also will internally hypothecate the instrument with approx US$ 70 Million, the actual amount traded is approx. $ 170 Million.

The security firm will have an understanding with the platform that the T-Bill will be returned prior to maturity free, clear and unencumbered. Said platform has a track record of at least 10 years.
The initial escrow amount is the security deposit for the SWIFT and Attorney
fees for the leasing of the T Bill, to handle the paperwork, transfer of
cash and T Bill and fees that are required upfront.

The entire transaction is prepared and handled through the law offices from John Marino Esq., he will also introduce the client to the securities firm and the platform, it is therefore necessary that the client will travel either to London, UK or Zurich, Switzerland, where the actual trade contracts will be signed, and the clients presence is necessary.

As is stands right now, the funds will be placed immediately into a 40 week program, payout will take place on a monthly basis. The profits from approx. 20 % per month (I know this is rather low, and I don’t want to hear that there are better programs out there): subject to availability, acceptance and contract, and will be split as follows:

50 % of the gross profits to the platform;

The remaining 50% will be shared under a Joint Venture agreement between the client and the Law Offices from John Marino, – 60% to the client and 40% to the Law offices from John Marino, he will pay all the intermediaries.

I will enclose a sanitized copy from the escrow agreement and the profit sharing agreement.

The additional documents will only be released to the client after the funds have been placed into escrow.

If the client is willing to place the amount into escrow, and all other documents are signed and accepted from the participating institutions, the client can expect that he has to travel to Europe in the first week of September 2009.

Soon as we are in receipt of your documents, we will set up a conference call with John Marino Esq., – he is currently travelling in Europe and is due to be back in the US on August 20^th, 2009. John will explain the transaction in the greatest detail, and if you are ready to enter this transaction you will also meet the actual trader, this will either be in London, UK or Zurich Switzerland.

Yours truly,

George

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FREE Live Webinar Series Fridays 1:30PM – 2:30PM Pacific

Post author By Joe Tufo
Post date August 13, 2009
No Comments on FREE Live Webinar Series Fridays 1:30PM – 2:30PM Pacific

We are launching a FREE Live Webinar Series Fridays 1:30PM – 2:30PM Pacific

Go to: http://workingcapitalfast.com/next-webinar to sign up.When you subscribe you will automatically receive articles as I post them on the www.workingcapitalfast.com site.

If you come to this event live it will be FREE. If you access later there will be a fee. We discussed “How to Fund Viable Projects Quickly” during the August 7, 2009 hour.

By registering on the site you’ll receive every new article as they are written and posted on the blog site www.joetufo.com/blog. Now let me explain that for you. If you are a paid subscriber you will receive the entire article. If you are NOT a paid subscriber you will receive a paragraph or two and be directed to a page that will allow you to become a paid subcriber. Either way you will receive information.

So subscribe yourself and test it out. Here’s what you receive after you opt-in:

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Tufo Summer Update/FREE Webinar Series Starts Aug 7th 1:30PM to 2:30PM Pacific/Film Funding Punch List/New Large Project Funding Source (to us)/REO List and More

This is a recent newsletter. If you’d like a copy of the entire document write me at joe@joetufo.com or call me. better yet subscribe to www.joetufo.com/blog and receive every article as they are released. This is almost a book in length.

Greetings from sunny warm Concord California where temperatures were in the 80’s today. Having a memorable and wonderful summer with my wife of 34+ years Bonnie (we first dated June 13, 1969. Bonnie divorced me November 2, 2007- today is our 36th wedding anniversary) daughter Katie, age 11, and son Michael, age nine. Our married daughter, Jenny (August 24, 2007) and son-in-love (law) Brian have spent a lot of time with us. I flew Bonnie and the children here June 23rd. They return to Racine WI August 25th.

We are launching a Webinar Series Fridays 1:30PM – 2:30PM Go to: http://workingcapitalfast.com/next-webinar to sign up. If you come to this event live it will be FREE. If you access later they will be a fee. We will be discussing an overview on how to fund viable projects quickly. By registering on the site you’ll receive every new article as they are written and posted. So subscribe yourself and test it out. Here’s what you receive after you opt-in:

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I am available as always from 7AM to 5PM M-F. If I can be of service to you or someone you choose to refer please let me know.

I’ve watched thousands come and go in this business in the past 10+ years (CFSI commenced business July 1, 1999). Please understand that I was the National Sales Manager with two now defunct multi-billion dollar mortgage companies and was President of a now defunct LA based direct lender. I am hired from time to time on a “C” level to run companies.

I work approximately 240 days a year on funding projects for clients, sometimes a little bit more. I work an honest 10-hour day M-F. In the summer and during the holiday season I work a five day week and for 40 weeks a year I work Saturdays from 8AM to 12 noon as I have for 32+ years. That’s about 2460 hours of pure time. Few work as hard as I do.

I publish these mini-newsletters weekly as I have for 10+ years. I write articles for our websites and blogs and for other publications. I speak at conferences in the Western USA. I do webinars twice a month. I’ve recorded dozens of videos and written many courses on alternative funding that Dale and I are posting for sale.

We have six large project funding sources four of which are presently open for new business. We have five business line of credit funding sources, four of which are open for business. We have one personal line of credit funding source. We have hundreds of merchant cash advance, asset based lenders, stock loan providers, leasing companies, hard money lenders, commercial lenders, asset monetizers, private investors, hedge funds, POF providers, and alternative funding sources.

I am both fee and commission based. There have been so many “Dreamers and Schemers” that the only way that I know to differentiate the Good, the Bad, and the Ugly is to charge a fully earned, non-refundable commitment consultation fee of 1%: $2,500 minimum: $25,000 maximum per project. A project is a street address for a real estate project or a name for a movie, product, or service that you need funded. The most that I charge for four or more projects, films, products or services is $100,000 for six months of “put my head down, roll up my sleeves” work. The $25,000 or higher fee is credited back against the commission earned.

I’ve had people claim that they are not going to pay a fee. That’s fine. I have 2460 hours to work on funding. I invest half that time working on projects for committed paying clients and the other half making calls, returning calls, reading and answering emails, researching and writing mini-newsletters and articles, reading and answering mail, doing continuing education for my credentials and license, studying trade journals and magazines, reading business books, working with my staff, paying bills, posting to our websites, networking with our funding sources, working with referral partners, and posting to social media and blogs. I also allow 200 hours a year for face-to-face meetings, email, and phone consulting www.joetufo.com/consulting as part of this block of time.

For the 1230 hours that I have available to fund projects, films, products, and services I expect to be compensated at our current rate. We do about 100 business line of credit applications a year and they take about 200 hours of pure time anticipated (when there are problems like we’ve experience with BLOC E it can be a lot more time). This does not include time that the staff invests.

When it comes to business lines of credit if the applicant is qualified almost every one funds. If they are borderline very few fund. You need a minimum 730 FICO score to qualify for most of the business line of credit programs today. BLOC E requires a minimum 650 FICO score but there have been indeterminable delays with the product.

We have the capacity to do about 24 large projects a year and they take me personally about 40 hours each. This does not include time that the staff invests.

So far in 2009 four projects out of 22 have been accepted and are funding as I type this with Large Project Funding Source E, three more are slated for funding by year end and an eighth has been approved and is slated to fund anytime now with Large Project Funding Source C. That’s eight out of 23 or 35% success.

If you listen to my recordings you’ll hear me say that about 1/3 of what crosses my desk I can fund, 1/3 is D.O.A – Dead on Arrival and 1/3 is broken and needs to go through some form of remediation and that can take a few hours, a few days, a few weeks, a few months or one year or more. Remember that we move at the speed of the client.

Clients pay us 1.5% to as much as 6% in commission for our success fee. The only time that I received a fee approaching 6% was a client that ended up retaining me as president of his company. He also covered all my business expenses, bought me the Palm Treo that I use, and the MacBook that I’m typing this on. In addition he gave me 25% of the stock in the company.

I am not in the fee business and I’m not in the work for free business. We have solid, responsible, successful, funding providers. It’s taken 10+ years to establish these relationships. I have 32+ years experience in insureance, securities, and finance.

If you assemble a package and follow our system you stand a high chance of being funded. I cannot guarantee funding because that’s unlawful. I will work with every paying client for a period of six months. The service agreement is renewable and a new fee is earned.

No two deals are ever the same. There are different circumstances, financials, use of funds, tranching schedules, expertise, biographies, financial projections, exit strategies, terms, conditions, equity positions, and more. There are too many variables. Past performance is not an indication of what will fund in the future.

Is there a fit within a particular sector? Borrowers who get arrogant and dictate terms are not a fit for us. Unless I am confident I can close a deal I don’t want or expect a fee. I can’t get any professional to work for free. We reward indivduals for providing a service and they are rightfully entitled.

It’s important for each prospective client to examine each of our programs and put their questions in writing so that I can posit them to the funding source(s) on your behalf.

Some choose to start small with us. Dale interviewed me in a 50-minute webinar July 27th. You can purchase the webinar for only $7.00 at http://joetufo.com/blog/access-basics

You may visit www,projectfundingoptions.com and purchase material on how an underwriter views a submission package.

You can visit www.joetufo.com/roadmap and listen to the recording and click on a hyperlink.

You can buy an hour or more of consulting time at www.joetufo.com/consulting

Many subscribe to our www.joetufo.com/blog site for $97 a month to learn about our products and services. and how we get clients funded. There are hundreds of pages of searchable content that if properly applied can teach you how to get your project funded.

We post material several times a month to our sites so you’ll want to check back often. We’ll be adding a subscription site just for referral partners soon.

Cash Flow Specialists, Inc.

And Joe Tufo

WE ARE FUNDING. GET 100% FUNDING PLUS INTEREST.

by Joe Tufo[edit]

I spoke with a funding source who was referred to us Tuesday August 4, 2009. With 19 years experience Lisa is well qualified and one of the best “packagers” in the industry.

Please remember that we charge a commitment consultation fee that provides six months of service and unlimited access to our www.joetufo.com/blog subscription site for my lifetime.

Here are some items that she sent over to me:

WE ARE FUNDING.

GET 100% FUNDING PLUS INTEREST.

DO YOU HAVE A REAL ESTATE OR PROJECT THAT NEEDS FUNDING ?

DO YOU HAVE BANK APPROVAL BUT NEED A GUARANTOR OR A LETTER OF CREDIT TO GET YOUR FUNDING ?

No Upfront Fees No Collateral Provider Closing Fee

EQUITY CAPITAL/ START UP CAPITAL/ ANGEL CAPITAL: If you have a profitable opportunity/ project, this Collateral Structure can guarantee the investment made by any type of investor or lender.

This is an excellent structure that can be used for many transactions. When the Bank Instrument matures (one year-one day), it pays off the Client’s loan. The Collateral provider is now a partner and lender to the project along with the VC firm who is managing this process.

The Funding Source prefers this structure because it is able to lend funds and get a Bank Instrument from a Top 25 Bank guaranteeing repayment of the principal and interest. This is a RISK FREE transaction to the lender and the Client (borrower).

Low 6% interest for what part of loan remains a loan- Up to a three (3) year “interest reserve” which can be added to the original principal borrowed at the time of the loan and payable at the end of the term.

All Bank Instruments are Cash backed, CD’s or LC’s, SBLC or DPLC or BG’s all from top 25 World Banks. NONE OF THESE INSTRUMENTS ARE LEASED OR BORROWED.

At the end of the loan term (one year and one day), the Funding Source receives the principal and interest payment from the issued Cash backed Bank Instrument (Collateral), which liquidates the loan.

Turn around time: WE CAN FUND IN 30-45 DAYS. Amount of financing between 50M to 5B.

Our Fund has 5B in bank guarantees available for projects in Real Estate or Venture Capital for projects. No start ups Good for acquisition targets or company roll up. Public or private companies. We have been funding projects since 1990.
Must be in the USA based ONLY and ready for funding. Looking for a seasoned management team. If you know how to make money we can help.

PLEASE SUBMIT EXECUTIVE SUMMARY. I HAVE ACCESS TO A DIRECT FUNDING GROUP WHO WILL USE A CASH BACK SBLC OR CD IN A TOP 10 BANK OF YOUR CHOICE..

Licensed with the DRE. Specializing in commercial and hard money loans. As a Financial Catalyst in the capital markets since 1990 specializing in corporate finance. Access to ten billion dollars in investment capital. REO Bulk sales and Performing and Non Performing Notes sales. Access to public and private financing. Non-traditional money sources. Debt or equity financing strategies, real estate financing for construction and development projects. Stock loans on public securities for real estate investments.

100% commercial funding, alternative, direct lender, hedge fund, private capital, private equity, private lender, private placement programs, project funding, real estate funding, venture capital

Commercial Real Estate Industry
Certified Mortgage Planner
Certified Cash Flow Consultant (CCFC)
Member American Cash Flow Association and American Capital Exchange

Bridge Loans, Mezzanine, Films, and Hard Money Nationwide Loans for: Multifamily, Assisting Living, Car Dealership, Car Wash, Agricultural Land, Blanket Loans, Ethanol & Alternative Fuel Plants, Condo Conversion, Constructions, Drug Store, Entertainment Industry, Especial Purpose, Funeral Homes, Golf Course, Health Care/Hospital, Hotel & Resort, High Rise Construction for Commercial Lease, Venture Capital for High Risk Business Development Projects, Industrial, JV, Land, Raw Land, MHP, Restaurant, Restaurant Fast Food, ReHab, Residential over $5Mill to $500Mill, Rural Development, Vacant Building Financing, Senior Housing, Self Storage.

Fast money on a “future loan to value basis” for rapid financing. Equity investments for real estate properties for Joint Venture, construction properties to effect loans. Financing for wrap around construction loans on a 80-90% future appraised loan to value with Mezzanine financing up to 97% with interest reserves.

“Paid in Capital” assistance for developers in conjunction with construction and development financing. Capital can be obtained through various channels including but not limited to equity share agreements from direct investments through a Limited Liability Company or Limited Partnerships, IRA investments and 1031 exchanges.

Land acquisition 50% to 70% of purchase contract and up to 100% development and construction costs for developers in conjunction with construction and development financing. Hedge funds who will purchase income properties; shopping centers, hotels and apartment buildings. Equity financing between $3mm-$300mm. Company access to $100mm warehouse line.

Access to 500 Wall Street Multi Billion Hedge Funds that specialize in real estate investing that provide a New line of finance, debt or equity available in market. These funds are primarily set up for any Real Estate Project or Finance need. Minimum $50 Million, no maximum. These funds are positioned to fill the void in the institutional market. I am a Business Finance Consultant to the Fund. There is no engagement fees to get access to this Fund or access to any of our over 500 Sources of Capital. We are performance driven and get paid only if our Correspondent Fund delivers your total financial needs.

Outside the box financing on commercial, construction, acquisition & development projects from $1M – $500M and Standby letters of Credit, direct to providers for Proof of Funds/VOD’s/Balance Sheet Enhancements from $250k-$500 Million. POF needs to show “x” amount of money in an account in their name for any reason. Good for qualifying for a large project financing, bond financing, net worth requirements, blocked funds for investments. Proof of Funds program is a sub bank account or escrow account in the clients name for 30,60,90 days all the way up to 1 year.

-Standby Letter of Credit
-Proof of Funds
-Acquisition & Development Financing
-Hotels & Luxury Resort Financing
-Bond Financing
-Bridge Loans
-Equity/JV Financing
-Investment opportunities that yield 4-10% monthly and your money is never at risk

All Income property must have a DTI of 1.20% coverage
• Loan Amounts: $250,000 to $15,000,000
• Loan Programs: Conventional and SBA
• LTV 75% to 85%
• Assumable loans. No pre pay
• 5 year fixed 25 year amortization
• “MAI “ appraisal review
• Multi family interest 6 1/4 to 7 3/8
• Commercial income property interest 7 3/8 to 7 1/2
• SBA Preferred takes 45-60 days up to 90% LTV

Network with senior management
• Life Companies    • FNMA, HUD, FHLMS
• CMBS & Investment Banks
• Pension Funds    • Thrift and Loans
• Mortgage REITs   • Private Money

Residential Loans $500k-$5mm and above
• “Quick close” * Hard Money
• Non-conforming • Land • Estate Loan Division

Commercial Loans $500k-$500mm
• Equity – JV development • Construction to permanent financing

Property Types
• Hotels     • Mixed-Use    • Office and Medical Buildings   • Shopping Centers
• Assisted Living     • Congregate Care
• Carwash         • Parking Lots   • Industrial     • Mini-Warehouses
• Apartments • Student Housing       • Mobile Home Park

Financing Structures
• Income property • 1st, 2nd and Leaseholds • Refinance

Specialties: Non-traditional money sources. Debt or equity financing strategies, real estate financing for construction and development projects. Stock loans on public securities for real estate investments.

This came in from a real estate broker who is one of 10 appointed bt the FDIC (Federal Deposit Insurance Corporation) : Billions of assets related to the Real Estate markets are traded every month. On average we have 150 packages a month to sell. If you are serious go to www.joetufo.com/blog and pay the $97 a month to access the LOI and POF materials and see the most recent posts. Just type REO, POF, or LOI in the search box.

Cut COPY and Paste this text into your word processor or send me an email.

Company Letterhead

Upon completion of SOFT PROOF OF FUNDS, we additionally authorize your Seller to exercise HARD PROOF OF FUNDS prior to entering into a Purchase and Sale Agreement.
I, (Insert Name of Authorized Signatory) have the authority to transfer funds for the above referenced transaction and full signatory authority for this transaction and attest this under the penalty of perjury and to the maximum extent of the law both locally and federally enforced as applicable.

(Name of Buyer) has given to (Name of person with authority to sign) full signatory authority to sign on our behalf, as the above referenced Buyer, for this specific transaction and have given full authority to transfer funds on our behalf and attest this under the penalty of perjury and to the maximum extent of the law both locally and federally enforced as applicable. The purchase price will be 58 cents on the dollar which includes 3 percent commission to be paid per the Master Fee Agreement.

X_________________________

_______________ Dated: _________________
Authorized Signature (The Buyer)

Print Name: __________________________ ___

__________________________ _____________ Dated: __________________
Authorized Signature (On Behalf of the Buyer)

Print Name: __________________________ ___

This is the July 30th, 2009 summary of available packages for sale. All sold packages are noted and will be removed next week.

Make an offer in the form or a “Letter of Interest” and a Non-circumvention agreement (we provide), also be prepared to provide Soft Proof of funds to the bank.
Make an offer regardless of the sales price or asking price!

Real Estate Owned by the Bank (REO)
Make an offer in the form or a “Letter of Intent” and a Non-circumvention and Non-Disclosure agreement will be sent to you (we provide the LOI and funds verification template for you), also be prepared to provide Soft Proof of funds to the bank or seller when they call you. See attached preferred LOI and authorization format. All Letters of Intent must be signed by the buyer. No assignments are allowed.

Other documents to presented with your LOI
1) a Resume of the Buyer to present to Seller
2) a Company Biography
Make an offer regardless of the sales price or asking price!

PERFORMING NOTES
Performing Note packages are available for purchase by submitting a “Letter of Interest” which must include at a minimum the name of the buyer and their attorneys that will handle proof of fund. The letters must be signed by the buyer. No assignments are allowed in contract.

The Buyer and the Buyers representative will receive from our legal office a NCND which must be returned to us signed by the buyer and all paper work should be made out to Continental Funding Company.

Other documents to presented with your LOI

1) a Resume of the Buyer to present to Seller
2) a Company Biography

ALL MAY PACKAGE WILL BE REMOVED August 5th

PACKAGE # 5-6 – –AVAILABLE- 7/30/09
Performing Hotel 1st Trust Deeds for sale both borrowers
1) 3.054 million note , rate 6.642, 10 year with balloon, LTV 63.00% Discounted to
$2,473,910 – Available
Available for 81 cents on the dollar.
To review tape:
Make an offer in LOI for and include contract POF information.

PACKAGE # 5-26 – STATUS –AVAILABLE 7/30/09
Performing Notes for sale Arkansas
Hospital Performing
Payers credit over 700 FICO
Remaining Balance $107,000
Make offer

PACKAGE # 5-27 – STATUS –AVAILABLE 7/30/09
Performing Notes for sale Washington DC – 83,411 Square Feet
south of Class B Washington DC Suburban Office Property – 83,411 SF
$7.8M Owners valuation – Property is 100% occupied
Seller is willing to take 15% off
ACTUAL TTM NOI of $744,530 (9.5% DY to Last Dollar)

PACKAGE # 5-28 – STATUS – AVAILABLE 7/30/09
REO SFR LAND package
233 SFR Lots located in various states FL, NC,SC,
Owner BPO =$6.1.million
Make offer Plus 3 % in fees

PACKAGE # 5-29 – STATUS – AVAILABLE 7/30/09
REO Commercial LAND package
18 Lots located in various states FL, NC,SC,
4 commercial, 3 office buildings, 3 Convenience stores
Owner BPO =$71.3.million
Make offer Plus 3 % in fees

PACKAGE # 5-32 – STATUS – AVAILABLE 7/30/09
REO COMMERCIAL Orlando, FL
5K Sq.ft., 1+ AC Historic 2 Story
BPO = $4.9 million
Asking = $3.3 Million

PACKAGE # 5-33 – STATUS – AVAILABLE 7/30/09
REO COMMERCIAL Spartanberg, SC
30K Sq,ft. Hotel
BPO = $20 million
Asking = 18.00 Million

PACKAGE # 5-34 – STATUS – PENDING 7/30/09
REO COMMERCIAL Columbia, SC
7+K Sq.ft. Restaurant
BPO = $1.7 million
Asking = $1.15 Million
Fees included

PACKAGE # 5-35 – STATUS – AVAILABLE 7/30/09
REO COMMERCIAL Tampa, FL
16K Sq.ft., Office Building
BPO = $1.0 million
Asking = $690K
Fees included

PACKAGE # 5-37 – STATUS – PENDING 7/30/09
REO COMMERCIAL , NC
2,8K Sq.FT. Convenience store
BPO= $525K
Asking = $ 357K
Fees included

PACKAGE # 5-38 – STATUS – available 7/30/09
REO COMMERCIAL, GA, 4.3K Sq.ft. commercial building
BPO= $370K
Asking = $ 251K
Fees Included

PACKAGE # 5-39 – STATUS – PENDING 7/30/09
REO COMMERCIAL, SC, 2.3K Sq.ft. convenience store
BPO= $350K
Asking = $ 231K
Fees Included

PACKAGE # 5-40 – STATUS – available 7/30/09
REO COMMERCIAL , NC, .8 AC. Convenience store
BPO= $370K
Asking = $ 251K
Fees Included

PACKAGE # 5-41 – STATUS – available 7/30/09
REO COMMERCIAL , FL, 4.3K Sq.ft. Office building
BPO = $380K
Asking $258K
Fees Included

PACKAGE # 5-42 – STATUS – updated 7/30/09
REO COMMERCIAL , NC, 2.8K Sq.ft. Convenience store
BPO= $274K
Asking $191K
Fees Included

PACKAGE # 5-43 – STATUS – available 7/30/09
REO COMMERCIAL , SC, 5K Sq. Ft. Restaurant
BPO = 350K
Asking = $228K
Fees Included

PACKAGE # 5-44 – STATUS – available 7/30/09
REO COMMERCIAL , NC, 1.2K Sq. Ft. Office
BPO = $220K
Asking =$149K
Fees Included

PACKAGE # 5-50 – STATUS – available 7/30/09
14 Waterfront Condos and boat lifts. The project is 85%, FL
BPO finished in 2008 = $7.5 million
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-55 – STATUS – SOLD 7/10/09
REO state,
22 Office buildings, motels, warehouse, retail other
BPO = $ 39.0mm
Price = $ 13.2mm
Make offer add 3.0% BPO fees in price

PACKAGE # 6-1 – STATUS – PENDING 7/30/09
Non Performing Notes
14 office and retail New Units. 20,000+ sq.ft., FL
BPO fto be determined in Escrow
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-2 – STATUS – available 7/30/09
Non Performing Notes
9 Condos 1,600+ Sq.Ft., FL
BPO to be determined in Escrow
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-3 – STATUS – nonexclusive 7/30/09
Non Performing Notes
150+ room Hotel , FL
Recently Remodeled
BPO to be determined in Escrow
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-4 – STATUS – available 7/30/09
Non Performing Notes
3 Condos 2,000+ Sq.Ft., FL
Recently Remodeled
BPO estimated $340,000
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-5 – STATUS – available 7/30/09
Non Performing Notes
75+ unit Apartment building FL
BPO estimated $7,550,000
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-8 – STATUS – available 7/30/09
Non Performing Notes
13 Condos (1,100+ Sq.Ft). FL
BPO estimated $1,490,000
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-13 – STATUS – SOLD 7/30/09
Non Performing Notes
2 Building office complex (3,340+ Sq.Ft). FL
BPO estimated $524,900
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-14 – STATUS – SOLD 7/30/09
Non Performing Notes
5 Condos 2/2 (950 Sq.Ft.) FL
BPO estimated $400,900
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-15 – STATUS – SOLD 7/30/09
Non Performing Notes
20 units in 3 building FL
BPO to be determined
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-16 – STATUS – SOLD 7/30/09
Non Performing Notes
1 Office condo 2,500+ Sq.Ft. FL
BPO to be determined
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-17 – STATUS – available 7/30/09
Non Performing Notes
1 SFR (2300+ Sq.Ft.) FL
BPO estimated $575,000
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-18 – STATUS – SOLD 7/30/09
Non Performing Notes
1 Office condo 2,500+ Sq.Ft. FL
BPO to be determined
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-19 – STATUS – SOLD 7/30/09
Non Performing Notes
1 Townhome (F0+ Sq.Ft.) FL
BPO estimated $375,000
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-20 – STATUS – available 7/30/09
Non Performing Notes
1 Townhome (2500+ Sq.Ft.) FL
BPO to be determined in escrow
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-21 – STATUS – available 7/30/09
Non Performing Notes
1 SFR (2200+ Sq.Ft.) FL
BPO = 290K
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-22 – STATUS – available 7/30/09
Non Performing Notes
1 SFR (2400+ Sq.Ft.) FL
BPO = 200K
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-23 – STATUS – available 7/30/09
Non Performing Notes
1 Commercial Building (1600+ Sq.Ft.) FL
BPO = 270K
Exclusive Bank Sale – Must submit LOI with SPOF contact information
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-37 – STATUS – Available 7/30/09
Performing Note Commercial Pool- Ohio
1 notes secured by (2) apartment complexes (245+ units)
Loan Balance = $9.26 mm
Appraised Property collateral Price = $14.56 mm
Make an offer 82% plus 3.0% fees

PACKAGE # 6-41 – STATUS – Available 7/30/09
Non-Performing (Foreclosure) in progress, US Territory
Hotel (Flagged) (425+) Rooms with conference center
Non performing Debt Facility Via Bank
Financing is available with 11 million down good terms available
08 Storm damaged to be repaired 5 million required
BPO = $61.7 million
Price= $26.5 million
Make an offer 43% of BPO includes all fees

PACKAGE # 6-42 – STATUS – Available 7/30/09
REO HOTEL 155+ rooms (Flagged) State: FL Near Disneyworld
Remodeled in 2008
BPO = 7.5 mm
Price = 5.9mm Fees included in sales price

PACKAGE # 6-43 – STATUS – Available 7/30/09
Non-Performing Note SFR Pool,
12 notes, State CA, FL, GA, WI
Loan Balance = $2.4 mm
Sales Price = $1.16 mm
Make an offer fees included in sales price

PACKAGE # 6-45 – STATUS – AVAILABLE 7/30/09
Performing Note Pool,
2 notes secured by Long Beach CA. 4-plex and duplex
Loan Balance = $600K
Sale Price = $525K
Make an offer include 3.0% fees

PACKAGE # 6-46 – STATUS – Available 7/30/09
Performing Note Pool,
1 note secured 1st deed Hotel Kingsland GA
Loan Balance = $3.1mm
Due in 2017
Make an offer include 3.0% fees

PACKAGE # 6-47 – STATUS – Available 7/30/09
REO Land,
101 Parcels, FL, SC, NC
134 Residential Lots
338+ Acres
Appraised = 18.2mm
BPO = $6.1mm
Sales Price = 2.62mm
Make an offer include 3.0% fees

PACKAGE # 6-58 – STATUS – Available 7/30/09
Non-Performing Notes (SFR)
164 Nation Wide SFR
BPO = $ 13.12 mm
Price = $ 5.65 mm
BPO Commissions fees in price

PACKAGE # 6-62 – STATUS –Available 7/30/09
LAND – Retail Pads
Cities: TX (1), Houston
BPO estimate: $12.9mm
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-64 – STATUS –AVAILABLE 7/30/09
LAND – SFR Land for 70 Pads 310 acres
Cities: CA (1), Corona
BPO estimate: $12.6mm
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-65 – STATUS –Available 7/30/09
SFR – Kukio
Cities: HI (1), Kona
BPO estimate: $5.9mm
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-66 – STATUS –Available 7/30/09
SFR – 5200 Sq. FT. 5b/5.5b/6.5ac
Cities: CA (1), Saratoga
BPO estimate: $2.4mm
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-67 – STATUS –Available 7/30/09
SFR – Penthouse Lofts (5) 85% finished 5k sq.ft. each
Cities: NV (1), Lake Las Vegas
BPO estimate: $6.9 mm
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-68 – STATUS –Available 7/30/09
SFR – Office 30k sq.ft. include retails
Cities: CA (1), San Jose
BPO estimate: $8.9 mm
Loan: $5.0MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-71 – STATUS –Available 7/30/09
Commercial – Multi-tenant retail & Office 2 bldg. 12.5K sq.ft.
Cities: CA (1), San Jose
BPO estimate: $6.1 mm
Loan: $4.0MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-72 – STATUS –SOLD 7/30/09
Commercial – Multi-tenant retail 3 bldg. 34.7K sq.ft.
Cities: CA (1), Sacramento
BPO estimate: $8.8 mm
Loan: $6.48MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-74 – STATUS –Available 7/30/09
Non-Performing
SFR Constr 35% – complete 4.0K sq.ft. house on a 4,770 sq.ft. lot
3 story building – 3 bed/3.5baths/3car
Cities: CA (1), Bel Air
BPO estimate: $2.6 mm
Loan: 1.04MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-76 – STATUS –AVAILABLE 7/30/09
Com. Constr – Retail 29 unit 3 bldg. 34.2K sq.ft.
Cities: CA (1), Santa Rosa
BPO estimate: $8.2 mm
Loan: 4.9MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-80 – STATUS –Available 7/30/09
Com. Constr BK – Retail 2.76 acres 2 bldg. 30.0K sq.ft.
Cities: CA (1), Tracy
BPO estimate: $15.5 MM
Loan: 7.34MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-81 – STATUS –Available 7/30/09
Com. Constr BK (14%) – 2.2 acres Zoned (RS) + 8 SFR included
Cities: CA (1), Hayward
BPO estimate: $3.57 MM
Loan: 3.0MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 6-84 – STATUS –Available 7/30/09
SFR. Constr – 2 bldg. 350 units 730.0K sq.ft. condos retail
Cities: FL (1), Miami
BPO estimate: $ TBD mm
Loan: TBD MM
Price: Exclusive Bank Sale – Must submit LOI with SPOF 250 mm contact information
Price: Make an offer include 3% BPO fees

PACKAGE # 6-85 – STATUS –Available 7/30/09
SFR Non-performing Notes – 164 SFR
States: (TX,IL,OH,FL,GA,MO,WI,NY,MI,

other)
Loan Bal estimate: $ 13.1 MM
Price: Make an offer and include 4% BPO fees

PACKAGE # 6-86 – STATUS –Available 7/30/09
SFR Non-performing Notes –
100 SFR
States: (OH,MI,MO,WI,IN,IL,other)
Loan Bal estimate: $ 6.3 MM
Price: Make an offer and include 4% BPO fees

PACKAGE # 7-2 – STATUS – Amended 7/30/09
REO state, Nation Wide
810 SFR
BPO = $ TBD
Price = $ 9.2MM
all commissions included

PACKAGE # 7-3 – STATUS – SOLD 7/30/09
REO state, Nation Wide
31 SFR
BPO = $ TBD
Price = $ 143,000.00
all commissions included

PACKAGE # 7-4 – STATUS –SOLD7/30/09
SFR Non-performing Notes –
34 SFR
States: (GA,FL,IL,OH,MS,PA, other)
BPO = ;TBD
Price: $204,000 all Fees included

PACKAGE # 7-6 – STATUS –Available 7/30/09
HOTEL Non-performing Note –
380+ Rooms
ADR 500.00
States: (MI)
Loan Balance = 10MM
TBD
Price: $2.3MM

PACKAGE # 7-7 – STATUS Available 7/30/09
REO state, CA,GA, IL, IN, AZ, AR, FL, MO, MS, NJ,NY,OK,PA
715 SFR
BPO = To be determined in Escrow
Price = $ 8.2M commissions fees included in price

PACKAGE # 7-8 – STATUS Available Non Exclusive 7/30/09
REO state, MI
167 SFR
BPO = To be determined in Escrow
Price = $399,000
% fees in price

PACKAGE # 7-9 – STATUS –Withdrawn 7/30/09
Com. Constr Land loans- 33 Performing Notes and 99 Non-Performing Notes
TOTAL notes # 132
States: AZ, CA
Loan Balance: $668.0MM
Original Loan: $900.0MM
Price: $421.0MM all fees included

PACKAGE # 7-10– STATUS –Available7/30/09
REO 30 Townhomes
Some Fully Furnished
States: AZ
Appraised values: $4.95MM
Price: $3.2M all fees included

PACKAGE # 7-11– STATUS –Available 7/30/09
PRIVATE SALE
NYNY Hotel
500 PLUS rooms
States: NYNY
Price: $CALL

PACKAGE # 7-12 – STATUS – Available 7/30/09
PRIVATE SALE
state, FL, GA, IN,KY,MO,MI,OH, PA, SC,TN
27,000 Apartments
BPO = $ 1.6B
Loans =$ 1.35B
Price = $ 1.4B
all commissions included

PACKAGE # 7-13 – STATUS – Available 7/30/09
PRIVATE SALE
state, PA
840 Apartments
BPO = $ 20.7MM
Price = $ 10.98MM
all commissions included

PACKAGE # 7-14 – STATUS – Available 7/30/09
REO state, North Eastern
11 Hotels (no Flags or deflagged)
States: East, North East
BPO = $ 70.1MM
Price = $ 26.0MM
all commissions included

PACKAGE # 7-15 – STATUS –Available 7/30/09
Non Performing Notes
5 SFRs in various states of completion 4 lots included
Cities: FL (5), Myrtle Beach
BPO estimate: $7.3M
Price: $3.9MM
Price: Make an offer and include 3% BPO fees

PACKAGE # 7-16 – STATUS –Available 7/30/09
Non Performing Notes
22 Townhomes with 25 boat docks
Cities: FL (22), Fort Lauderdale
BPO estimate: $13.3M
Price: $7.05MM
Price: Includes all fees

PACKAGE # 7-17 – STATUS –Available 7/30/09
Non Performing Notes (Subdivision)
10 SFR with 10+ building lots
Cities: GA (11), Covington
BPO estimate: $2.0MM
Price: $3.9MM all fees included

PACKAGE # 7-18 – STATUS –Available 7/30/09
Non Performing Notes (Subdivision)
19 SFR Finished 25 Unfinished with 30+ developed building lots
Cities: FL (19), Miami
BPO estimate: $9.4MM
Price: $5.4MM all fees included

PACKAGE # 7-19 – STATUS –Available 7/30/09
Non Performing Notes (Subdivision)
90+ SFR Finished, 70+ developed building lots
Cities: FL (90), Palm Beach, Boca Raton
BPO estimate: $35.9MM
Price: $20.4MM all fees included

PACKAGE # 7-20 – STATUS –Available 7/30/09
Non Performing Notes (Apartments)
160+ Units
Cities: FL (160)
BPO estimate: $10.9MM
Price: $6.5MM all fees included

PACKAGE # 7-20a – STATUS –Available 7/30/09
Non Performing Notes (House)
SFR- 10,000+ Sq. ft.
Cities: FL Broward county
BPO estimate: $3.0MM
Price: $1.7MM all fees included

PACKAGE # 7-21 – STATUS –Available 7/25/09
Non Performing Notes (Retail, Strip center)
7+ Units
Cities: FL (7) Saint Petersburg
BPO estimate: $1.9MM
Price: $820,000 all fees included

PACKAGE # 7-21a – STATUS –Available 7/30/09
REO (40 SFR and Townhomes)
Cities: AZ (40) Phoenix, Glendale, Mesa, other
BPO estimate: $ 3.16MM
Price: $2.3MM all fees included

PACKAGE # 7-22 – STATUS –Available 7/30/09
Non-performing (125 condos in high rise)
Cities: FL (125) Panama City
BPO estimate: $ 16.0MM
Price: $10.3MM all fees included

PACKAGE # 7-23 – STATUS –Available 7/30/09
Non-performing (44 condos in high rise Additional Land included for 55+ more)
Cities: FL (44) Palmetto
BPO estimate: $ 17.0MM
Price: $10.6MM all fees included

PACKAGE # 7-24– STATUS –Available 7/30/09
PRIVATE SALE (will go fast)
(9) .s (All Flagged)
1,345 rooms total
States: AZ, NM, CA, TX
Price: $106MM fees included

PACKAGE # 7-25– STATUS –Available 7/30/09
Non-performing Notes (5 commercial)
(5) Office Condos, Industrial Storage
States: FL (Delray Beach)
Price: $425K fees included

PACKAGE # 7-26– STATUS –Available 7/30/09
Performing Notes (3)
(3) SFR
States: FL (Big Coppit Key)
Value: 425K
Price: $352K all fees included

PACKAGE # 7-27– STATUS –Available 7/30/09
Performing Notes (3)
(3) SFR
States: FL (Big Coppit Key)
Value: 268K
Price: $236K fees included

PACKAGE # 7-28– STATUS –Available 7/30/09
Performing Notes (1)
(1) Strip Center
States: FL (Marcos Island)
Value: 2.835MM
Price: $2.409MM fees included

PACKAGE # 7-29– STATUS –Available 7/30/09
Performing Notes (111)
(11) SFR
States: FL,CA,GA, WA
Value: 2.442MM
Price: $2.076MM fees included

PACKAGE # 7-31– STATUS –Available 7/30/09
Non-Performing Notes (New construction
Multifamily 1481 (Townhomes, condos, slips, cottages, 100% complete Apts)
(11) Project all require finishing
States: FL,SC,GA,
Value: 233.3MM
Price: $135.5MM fees included

PACKAGE # 7-32– STATUS –Available 7/30/09
Non-Performing Notes (New construction
Commercial (Office, Strip Centers, Golf Courses, warehouses, industrial)
(15) Project all require finishing
States: GA, SC, FL
Value: 23.5MM
Price: $13.6MM fees included

PACKAGE # 7-33– STATUS –Available 7/30/09
Non-Performing Notes (New construction
Sub-divisions (SFRs, High rise condos, office, land, finished lots, raw land)
(29) Project all require finishing
States: GA, FL
Value: 202.3MM
Price: $97.6MM fees included

PACKAGE # 7-34 – STATUS –Available 7/30/09
REO (17 SFR)
Cities: CA (17) Los Angeles, Riverside, Long Beach, Other
BPO estimate: $ 3.47MM
Price: $2.13MM all fees included

PACKAGE # 7-35– STATUS –Available 7/30/09
MIXED tape REO, Sub Performing, Non-Performing
(204) SFR
States: FL,NC,GA,AL
Value: 67.3MM
Price: $34.5MM fees included

PACKAGE # 7-36– STATUS –Available 7/30/09
Private Sale
(1) Living Facility (Pompano Beach)
States: FL
Value: TBD
Price: $8.25MM fees included

PACKAGE # 7-37– STATUS –Available 7/30/09
MIXED tape REO, Sub Performing, Non-Performing
(30) SFR
States: FL,NC,GA,AL
Value: 67.3MM
Price: $34.5MM fees included

PACKAGE # 7-38– STATUS –Available 7/30/09
Private Sale
(1) Assisted Living (Miami Beach)
States: FL
Value: TBD
Price: $14.42M fees included

PACKAGE # 7-39– STATUS –Available 7/30/09
Private Sale
(1) Non-Operating Hospital (1)
States: NJ
Value: 23MM 2007 appraisal
Price: $7.250MM fees included

PACKAGE # 7-40– STATUS –Available 7/30/09
Non-Performing Notes (4 Buildings)
Commercial (Office)
(4) finished Building and (1) Pad
States: GA
Value: 4.1.5MM
Price: $1.8MM fees included

PACKAGE # 7-41– STATUS –Available 7/30/09
Non-Performing Notes (3 Buildings)
Commercial (2) Office, (1) Retail
(3) finished Building
States: SC, GA
Value: 8.447MM
Price: $4.9MM fees included

PACKAGE # 7-42– STATUS –Available 7/30/09
Non-Performing Notes (6 Buildings)
Mixed Commercial (1) Gas Station, (1) Retail, (1) Office, (2) Hotels/Motels, (1)SFR
(6) finished Building
States: CA,CO
Value: 23.048MM
Price: $13.37MM fees included

PACKAGE # 7-43– STATUS –Available 7/30/09
Non-Performing Notes (4+ Buildings)
Mixed Commercial (1) Church, (1) 4-Plex Condos, (1) Shopping Mall, (2)Apartments,
(4+) finished Building
States: CA,NV, SC,CO
Value: 26.9MM
Price: $15.61MM fees included

PACKAGE # 7-44 – STATUS –Available 7/30/09
REO (1) Strip Mall, (1) SFR, (1) Hotel
Cities: CA, GA,AR
BPO estimate: $ 4.47MM
Price: $2.59MM all fees included

PACKAGE # 7-45 – STATUS –Available 7/29/09
REO (Hotel 150+ rooms)
Cities: US Virgin Islands
BPO estimate: $ 16.8M
Price: $5.5M cash all fees included

Large NY NY buildings are now on a separate inventory list and is available on Request. The Pricing for these building starts at 250MM and goes to 1.1B. The list is made up of Performing and sub-performing Notes and some REOs.

The information in this email is confidential and/or privileged. This email is intended to be reviewed by only the individual or organization named above. If you are not the intended recipient or an authorized representative of the intended recipient, you are hereby notified that any review, dissemination or copying of this email and its attachments, if any, or the information contained herein is prohibited. If you have received this email in error, please immediately notify the sender by return email and delete this email from your system. This email can not be forwarded, copied or disclosed in whole or in part to anyone other than the intended recipient without a written consent by the sender. The content of this email is void in the event that any conditions or terms of this agreement are violated. The sender has the legal rights to seek any damages in the event you violate said terms and conditions of this email. Viewing and/or opening this email by you or anyone in your behalf is considered consent to the terms and conditions herein.

DISCLAIMER: Sender is NOT a United States Securities Dealer or Broker or U.S. Investment advisor. All due diligence is the responsibility of the Buyer and Seller. This E-mail letter and the attached related documents are never to be considered a solicitation for any purpose in any form or content. Upon receipt of these documents, the Recipient hereby acknowledges this Disclaimer. If acknowledgement is not accepted, Recipient must return any and all documents in their original receipted condition to Sender.
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I received this material on Film funding July 28th: It’s been posted in an upcoming article:

Working Capital Fast

Money to Solve Cash Flow Needs

Film Funding – 18 year Seasoned Alternative Funding Source

by jptufo on August 9, 2009[edit]

Film Funding is challenging. Here is the punch list from our Large Project Funding Source A:

Needed Documentation to Proceed on Film Financing

Need 15% equity and 20% tax incentives in addition to 15% in pre-sales.

In regards to films we only get involved with advanced projects with partial commitments such as equity, talent, tax incentives, pre sales etc.

1) Script/ & Synopsis &/or Treatment & Pay or Play

2) Budget/Top Sheet & Full Budget/ Need 8-10% Contingency/

Need 2-3% Completion Bond/ EP or Producer Credit for LW

3) Exec Summary

4) Bio’s on principals

5) Attachments (if any, or LOI), Are there any Attachments? (Talent, Director, etc.)

6) Pre- Sales (if any, or LOI)

7) Domestic Distribution (LOI if in place), Are there any existing Distribution Agreements (USA)?

Tax Credits (if any)

9) Present status of the Film?

10) Planned Filming Location?

11) Can you provide a “Time line Schedule?”

12) We would need Proof of Funds of 15% of the Requested Loan Amount for collateral. These funds will be place in the principal’s account and pledged. After funding funds are released. What Investment (Equity) can you, the Producer (or your Investors) make towards the total Budget?

Cash Flow Specialists, Inc. is both fee and commission based. To learn more about our products and services read this web site thoroughly.

Check our other websites:

www.joetufo.com/roadmap

www.joetufo.com/consulting

www.projectfundingoptions.com

www.workingcapitalfast.com

www.joetufo.com/blog our subscription site

http://joetufo.com/blog/access-basics

Cash Flow Specialists, Inc.

And Joe Tufo

Film Funding

by JOE TUFO[EDIT]

“If Even One Percent of the Film Funders In Hollywood Was

Real,

Every Movie Would Get Made…”

If Only!

We have access to over 400 funding sources. Many of these (claim) to fund films. However, very few actually do. (I’ve wasted a lot of time figuring this out.)

I do have at least one source I can rely on to fund films.

What they do is a financial instrument leverage program. They have a couple of alternatives, but each will require a down payment on your part.

For example, with as little as $150,000 in cash, we can generate $10M or more within 60 days.

You can even opt to forestall interest payments for the first 3-5 years, allowing the film to be completed and
profitable before you pay anything back.

Under this alternative, my source will also sometimes require an equity kicker (usually about 20% of the project).

He also has other programs that won’t require any payback on your part.

If you are interested (and have at least $150,000 in available cash), let’s talk.

Joe Tufo

925-352-6000

Notes From The Program Manager July 28, 2009:

They’ll need 1% cash down ($150K minimum down). Down payment is refundable if they don’t get funded. (No chance of not getting funded if they accept deposit.)

Client gives up 25% equity in the film, with buyout option available. Client pays back the loan at 5% interest,
amortized over 15 years, first payment starts in 13th month.

We have a self-liquidating option that can pay off the loan before the first payment is due.

We’ll need exec summary and script to get started.

John G.

Collateral Instruments Film Funding In The News Large Projects Money Available Preparation Proof of Funds Real Estate Projects Referral Partners

CREATIVE FUNDING SOLUTIONS FOR INTERNATIONAL PROJECT DEVELOPING AND INVESTING

Post author By Joe Tufo
Post date August 11, 2009
1 Comment on CREATIVE FUNDING SOLUTIONS FOR INTERNATIONAL PROJECT DEVELOPING AND INVESTING

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.

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.

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.

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.

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%)

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.

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.

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.

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.

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

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

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.

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.

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.

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:

Please remember that Cash Flow Specialists, Inc. is entitled to commissions on all transactions. This document came in Saturday August 8, 2009 from Chet D, a prominent New York City Underwriter with may years experience in alternative project funding.

Cash Flow Specialists, Inc. is a full service finder, funding source, intermediary, and business consultancy located in the San Francisco Bay Area. Founded July 1, 1999 we have served hundreds of entrepreneurs, established businesses, start-ups, and others obtain working capital and fund projects globally.

Visit this site and www.workingcapitalfast.com to learn more about our products and services. Fee and commission based we stand ready to serve you and those whom you choose to refer. Available M-F 7AM to 5PM Pacific.

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WE ARE FUNDING. GET 100% FUNDING PLUS INTEREST.

Post author By Joe Tufo
Post date August 4, 2009
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