Maduro & Curiel's Bank NV (17 branches)
Plaza Jojo Correa 2 - 4
PO Box 305 Curaçao, Antillies
E-mail: mcb@earthling.net
site: mcb-bank.com
Tele: +44-7024012284,
Fax: +44-7024012295
zip code:031
WORLDWIDE FINANCIAL SERVICES, PROJECT FINANCING, COMMERCIAL LOANS, UNSECURED
LOANS, BUSINESS PARTNERING AND JOINT VENTURE OFFERS. FUNDING INFORMATION AND
PROCEDURES
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Atten:
Dear Sir,
This information provides you with all the necessary information you need to
consider using our bank's services based on your investment proposal.
Should
you need additional details please do not hesitate contacting us. Our firm
Maduro & Curiel's Bank is an investment and financial firm based in the
Netherlands provides the following services. We shall be evaluating and
approving the submitted project within the stipulated time by the banks as
informed below.
[1] Business Partnering and Joint Venture Offers.
[2] Unsecured loans, Commercial loans
[3]Worldwide project financing
We assist individuals, companies, partnership, organizations and multinational
corporations in achieving their financial requirements;
We are lenders and investors. Our firm assist entrepreneurs, individuals and
organizations seeking for capital to lending and investing banks with the
funds. The real plus working with us is that we already have Lending and
investing banks in our database.
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FINANCE ~~~~~~~~ Available from US$ US$ 500,000, to over US$ 100
Billion. Loans are made for business purposes only, projects must be viable..
A retainer is not required for this Service.
[1] Maduro & Curiel's Bank has direct contact with numerous
International and
Offshore Commercial Lending and Investment Banking firms ready to meet your
Funding Needs.
[2]These asset and non-asset based Lenders are located throughout the World
and are always looking for profitable ways to invest.
[3]Our banks underwrite and issue loans, which are backed by income-producing
properties, or other acceptable collateral anywhere in the United States, the
Americas, Asia, Europe, Africa and in many other parts of the World.
[4]Most Loans would have fixed interest that is usually based on LIBOR plus a
margin.
[5]Typically, loan amounts range form 80% to up to
100% of the investment value, with a term of 5, 7, 10,15 or 20
years,and with 15 to 30-year amortization schedules
[6]Grace periods for repayment are negotiable and relate to the type of
project. The time to process and finalize an application is typically two to
three months from our agreements being signed and received to the funding
being completed, in spite of this it may be possible to finalize an
application in a much shorter period
depending on the complexity and type of transaction. Should you decide to move
ahead with this kind of Funding, the Funding Institution will devote several
weeks or months to establish funding. They will not work without compensation
and will request a commitment to cover part of their due diligence costs
and/or on-site visit. Part of the rationale is to protect themselves against
fictitious statements or
documents provided by a Client that would destroy a successful funding
scenario or a possible decision by the Client to look elsewhere after several
weeks or months of work on the part of the Lender
UNSECURED LOAN PROGRAMME ~~~~~~~~~~~~~~~~~~~~~~~~~~
A retainer is required for this service Loans available from US$ 500,000 up
to 20.8 Billion. 100%project funding worldwide.
The insurance wrap insures repayment of the loan amount with no existing
collateral. The insurance wrap guarantee is used to expand the bank ability to
lend with aqua anteed loan as the insurer obligation rather than an obligation
of the borrower. The investment bank will provide the desired funds against
profitable projects on wrap guarantee the borrower need not to have existing
collateral to be
considered for a loan facilities The investment bank will arrange a rated
insurance which will insure the repayment of the loan. All viable projects
will be considered no funding for acquisition. Consolidation and refinancing.
These conditions are
applicable/approved for participation by our bank(s) on the activation of an
escrow account with the major investing bank(s).
INTERNATIONAL COMMERCIAL REAL ESTATE FINANCE
A retainer is not required for this Service. Available from US$ 5000,000, No
Maximum - Funding for:Acquisition, Construction, Development, Existing,
Refinance - and Joint Ventures. Up to 100% LTV Loans and Equity Funds for:
Mortgage and commercial real estate loan, Oil and gas exploration financing,
Resorts, hotels and casino development , Ocean vessels and aircraft
construction , Humanitarian project financing • Motion pictures •
Telecom development • Infrastructure project • Mining projects •
Hospital & health care centers • Entertainment centers • Food
processing
projects • Textile projects • Manufacturing projects.• Energy projects
• IT
technology • Agro- Business •Business and commercial project •
Transportation
development • Timber and forestry projects Name it, if its legal we will
consider it for financing.
ANNUAL INTEREST RATES: ~~~~~~~~~~~~~~~~~~~~~~
US$ 2,000,000.00 to US$ 50,000,000.00----------Interest Rate + 3.5%
US$ 50,0000,0000.00 to US$ 100,000,000.00--- Interest Rate +1%
US$100,000,000.00 Plus---- Interest Rate + 3/4%
LOAN TERMS. ~~~~~~~~~~~
[1] Up to 100% project financing
[2] Term loan--------------- 1 to 30 years
[3] Collateral-------------Must be real estate or other fixed assets bank
guarantees, SBLC/ Escro account activation guarantee
[4] Grace period for repayment-----Negotiable
[5] Prepayment penalties---- None
[6] No accrued interest until after the grace period is completed
[7] No principal payment until the project is completed
[8] No ownership/equity ownership by lenders
[9] Up to 100% project financing
[10] Debt financing [loan guaranteed on assets financed]
[11] Approved clients must activate an escrow account with the funding bank
through our bank before funds could be disbursed to client's receiving
accounts.
The time to process and finalize on application is typically two to three
weeks from the agreement (FAA) being signed between both banks and received to
the funding being completed. In spite of this it’s possible to finalize
application in a much shorter period depending on the complexity and the type
of transaction. Should you
decide to move ahead with this kind of funding, the funding institutions will
devote
several weeks or months to establish funding. Some of them will not work
without compensation and will request commitment to cover part of this
diligence costs and/or on site visits. Part of the rationale is to protect
themselves against fictious statement or documents provided by the client that
would destroy a successful funding scenario or a decision by the client to
look for funding elsewhere
after several weeks or months of work by the lender / investor.
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HOW LOANS ARE PROCESSED THROUGH OUR BANK SERVICES~~~
Like any professional banking service providers we work on a tariff schedule
and charge a commitment fees to cover some of our initial expenses and time.
This payment makes a contribution towards the considerable time, costs and
efforts involved in processing each application, editing or composing your
business plan
particularly in the format requested by most lenders and investors and
by contacting hundreds of lending /investing banks on our client’s behalf. It
also consists of our professional fee and overnight delivery of documents and
materials. Our average fee at closing is 1% on the amount of capital raised...
Please read this before you send us your completed Application Form.
- The procedures are as follows:
{1} A hundred percent refundable deposit fee of 1% face value of the loan as
used in activating your company's escrow account with the major investing
banks prior to commencement of the funding process, which also serves as the
transaction Collateral.
As such,whether our Clients have a full Business Plan available or not, we
always review and/or edit Business Plans, and we work closely with both Client
and Lending/Investing banks to produce the highest quality documentation and
representation available anywhere...
We are always interested in developing and maintaining long term,mutually
beneficial working relationships with serious intermediaries on a global
basis. For every loan or investment request by clients, we would need a
completed application form (please don’t send us your completed application
form if you’re not ready to proceed as informed above) and an Executive
Summary or a brief project description to start with; a Business Plan if
available - shall be sent or forwarded by e-mail or courier at the
introductory stage. We recommend that you inquire with and financial advisers
before you proceed with us. Local financing might be available and your best
solution. If you feel that the above is of interest, we would be pleased to
receive your completed application form for your project.
Upon receiving your Application Form and Executive Summary, we shall respond
within 2-3 days and report to you our funding recommendations, approved or
dis-approved. Please don’t send proposals without a completed application
form
backed with the company’s representative introductory letter.
FUNDING PROCEDURES. ~~~~~~~~~~~~~~~~~~
The process starts after receiving the application forms of your business
plan/project proposal and other documentations that is available or to be made
available. After reviewing your application and executive summary, we look at
five factors market potential, management strength, business model, product,
customers and competitiveness. We shall require a clear concise description of
business or project. There might be a need on our part to edit them if
necessary. The project proposal or business plan you present is your most
important tool when you need fund raising... Please bear in mind you will never
get a second chance to make first impression. The business plan/project
proposal we prepare or edit on your behalf will impress the perspective
investors or lenders and may make the
difference in getting funded or not getting funded. The business plan or
proposal supplies all the information that an investor, ever needs to evaluate
your project. Its easier to get immediate interest from a financier when you
provide them will
everything they need and in the format they prefer. We require a clear,
concise and complete description of your business or project.
[1] Our evaluation consist of contacting five to ten selected investing/
lending banks from our database that most likely could have an initial
interest in your project.. We only consider projects viable when at least
20-50% of the lending, investing banks we conduct show on initial interest in
the possible funding of the project.
[2] Once we agree on funding your project, our loan/investing application from
shall be sent to send you indicating our acceptance of your project, we will
ask you to sign our Loan/Investment financial advisory agreement on receipt of
the client(s) completed application form which shall recite the services of
Maduro & Curiel’s Bank and it affiliates to provide all funds required by
our
clients, the documentations that will have to be submitted to us by our major
affiliate funding bank to be forwarded to your attention.
As previously explained, Maduro & Curiel’s Bank and its affiliates will
charge
the client(s) an initiation fee is set at 1% of the guaranteed amount
(whichever it might be higher) on completion of the funding process to clients
as guarantee. The requested deposited amount is guaranteed refundable on
completion of the funding
process as guarantee/security for the process.
[3] A five man bank’s inspecting team shall be delegated by the banks
involved
for conclusive discussions with the client(s) before funding/investing process
commences.
[4] Maduro & Curiel’s Bank and its affiliates will present your project
to
selected financial sources, local banks and other international lending banks.
[5] As soon as one or more financial institutions and / or private
investing/lending banks, requires a business plan /project proposal for their
review. If not yet received, we will need you to send your business plan /
proposal to Maduro & Curiels
Bank and it affiliates by e-mail (preferred) or MS word or PDF documents on a
floppy disk or zip file by DHL, UPS or Fed express.
Maduro & Curiel’s Bank will edit (only if necessary) your business plan /
project proposal, make copies and submit it to all interested institutions and
/ or investing banks.
[6] The prospective investing/lending banks will examine your business plan /
project proposal your team, mission, vision, strategy and other opportunities
more closely. If they are satisfied with the business model, project, they
might wish to meet with the management team or carry out site visit, once they
have reviewed your introduction, they will pass the proposal to the next stage
of their
evaluation process.
[7] In most cases, they would hope to reach the negation stage within 2 to 4
weeks after reviewing the business plan/project proposal. Each deal is
different, so it is difficult to give a precise of the total process time to
complete, but we estimate between 7and 14 banking days.
[8] Once they agree on the terms and conditions of the transaction deal, they
enter the final due diligence stage. At this stage client's are expected to
submit to us their completed application form and signed loan /investment
agreement with the banks for approval by all participating banks.
[9] On completion of the agreed principles by all parties, the bank shall
issue to the client a signed guarantee letter before commencing on funds
disbursements to client(s).
[10] Client(s) are to request for our online loan/investment application form
On acceptance to our banks terms & condition/Procedures on approving loans
and
investments.
We do look forward to hearing from you soon for further information towards
the commencement of the transaction.
Regards,
Mr. Edward Logeman (Rep. Financial-Director London).
Bank E-mail: mcb-bank02@infohq.com
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