TMI & Partners, Ltd has forged a partnership with a Private Lender/Investor that will give a Project Owner the ability to receive 80% to 100% of funding towards their project. TMI & Partners, Ltd over the past several years has developed strong relationships with both project owners, lenders as well as investors. Each group has its own ideas on projects that suit their interests and overall goals towards their platform.
TMI Lender/Investor Programs now gives these Project Owners the ability to receive funding for their projects:
- 4 -1 Lending Program
- Asset Backed Bank Line of Credit Program
- SBLC 100% Funding Program
- Investor Protection Fund Program
- Bridge Loan Partnership Program
- Investor Charity Program
ABOUT OUR LENDER/INVESTOR
Agents and Brokers Globally situated to serve your needs.
|Traditional Lending||Project Financing|
|Invoice Factoring||Debt Financing|
|Start-Up Financing||Investor Protection Fund|
|COVID Protection Fund||Charity Enhancement|
Year founded: 2005
Project Range: $2 million to $5 Billion.
Number of Projects Funded: Over 350
Total Funding to date: Over $18 Billion
Current Portfolio: Over $6 Billion
The critical aspect of successfully completing any project is the ability to balance the need for external capital with the ability to protect existing Investment Capital. Our Lender/Investor Model, whether applied for lending or for Capital Appreciation, provides the opportunity to ensure that your existing funds are fully protected throughout any process. As a Private Lender, Our Lender/Investor is able to expedite the approval process, offer a lower interest rate than the industry standard, and structure deals to help you bring your project to a successful conclusion without becoming mired in debt.
Through their lending programs your initial funds either remain in your own bank account if the amount is $10M or more and in your own designated account, if less than $10M, at the US Assigned Bank. This account is 100% insured. You, the borrowerer will be contacted by the Banker to handle the setting up of the account when your loan deal reaches that point in the process.
Dealing with a private company like Our Lender/Investor is a unique experience because it requires a paradigm shift in the borrower’s expectations. Because they are not a traditional “Retail Lender,” they are able to offer much lower interest rates than you normally find in the marketplace, at more desirable terms and conditions. Whether you are used to dealing with a bank, a retail lender, a VC, or other investor, they provide funding at rates and terms that are more beneficial to the borrower than those typically found in the open market. The challenge for any borrower then becomes determining whether they can operate within the world of Private Lending as opposed to a “Retail Experience,” which is structured to offer you the standard website storyboard with a typical marketing pitch. In reality they will never “audition” for your business, and the references you would typically see from a retail lender is not something that they will provide for ethics and confidentiality reasons.
This is precisely why they go to great lengths to make sure that you are never placed at any risk within any of their programs. Furthermore, they have a stringent yet straightforward set of protocols that must be followed in order for them to clear their own Compliance requirements in order for you to secure your loan; it is solely up to you whether you wish to follow those steps and complete a deal successfully.
TRADITIONAL LOAN PROCESS
In a traditional lending arrangement, the Lender would sign a Loan Agreement with the Borrower along with a Security Agreement (as well as, most certainly, corporate, or personal guarantees). The loan agreement would also specify the interest rate to be charged, the lender’s equity participation, as well as additional royalties or other compensation payable to the lender for their loan. Upon close the lender would forward the loan funds to the borrower as per the Loan Agreement. The borrower will then deploy those funds into their project over the course of the Loan Agreement, and eventually the borrower will repay the loan to the Lender with interest. However if something were to happen that prevented the borrower from repaying the loan then the Lender would execute their recourse as outlined in the security agreement which would result in the liquidity of the pledged assets, and possibly the sale or seizure of personal assets as well.
COMPLETE SET OF APPLICATION DOCUMENTS REQUIRED
- Proof of Funds
- Business Plan/Appraisals/Pertinent Documents
- Use of Funds Schedule
- Our Lender/Investor Loan Application Form
- Signed “LENDER FAQ” Document
- Articles of Incorporation
- Board Resolution (stating the signatory for the borrowing corporation has the authority to bind the corporation to contracts)
- Copy of Signatory’s Passport
- Letter from Investor posting the Initial 20% (if applicable), stating they are making their funds available to the project for the purpose of securing the loan
TMI Lender/Investor Programs
4-1 Lending Program
The 4-1 Lending Program is a Systematized process designed to bring together; Project Owners, Lenders, and Investors under one roof. Too often project owners are faced with the old situation of “Which Comes First, The Chicken Or The Egg”. Investors are always looking for projects that are profitable and at low risk. Lenders are looking to lend money to projects that are well thought out and can make their payments. For clients with a specific project to finance or have a series of projects that can be approved through a funding pool, Our Lenders 4-1 Lending Program can provide a Credit Facility of up to 4X the Client’s Initial Deposit Funds amount and allows all participating parties to develop a working relationship. Learn More……….
Asset Backed Bank LOC Funding Program
The Asset Backed (LOC) Funding Program process, is designed to allow Our Lender the ability to offer clients who have projects and have the appropriate banking relationships in place, to be funded without having to have the usual pre-requisite 20% funding already in place. Under this process, Our Lender will work with the client and their bank to set up dedicated credit lines/loans, fully underwritten by Our Lender’s assets, that will fully fund the client’s project, with an equal amount of credit to be extended to Our Lender for its own programs. This puts the project owner in a ZERO risk position, as their funds are never exposed to any risk whatsoever. Learn More……..
SBLC 100% Funding Program
The Standby Letter of Credit (SBLC) 100% Funding Program is a systematic process designed to fully finance 100% of the participating project. It requires that you (the borrower) have a relationship with a bank or financial institution, either yourself or through a family office or hedge fund, capable of receiving and monetizing a cash backed Standby Letter of Credit (SBLC) from one of Our Lender’s tier 1 banking partners (HSBC UK or New York, or Barclays UK). Your bank would need to receive and monetize their Standby Letter of Credit (SBLC), which would be of sufficient size to yield a monetized profit of at least twice the budget of the project. This Program is only offered to projects with budgets in excess of $25M and has specific requirements of the borrower’s bank. Under this program Our lender’s bank would issue the cash backed Standby Letter of Credit (SBLC) to the borrower’s bank, who would receive and monetize the instrument. Learn More……..
Investor Protection Fund
When talking about notoriously risky, entertainment projects are way up there on the list. They are also very rewarding when they work – you can make a bundle, but you can also lose your entire investment. Our Investor has developed a method whereby an investor can set the money they want to invest in the project aside (as long as it is a minimum of $10M USD), and have THEM put the money into the project on their behalf. Our Investor would have contracts with that investor with all the appropriate stipulations, so that once they confirm they like the direction the project is taking they would just execute their option to “substitute” their money in the project for our investor’s money. Let’s assume that you are an “Investor” who has an interest in a $50M hotel project. You have $10M that you really want to invest into the hotel, but you have concerns that you could lose some or all of your money. You have structured an agreement with the project owner to pay you 5% interest on your investment and 30% equity in the venture. Our Lender/Investor “Investor Protection Fund” makes it possible to maintain your deal but keep 100% of your money on the “sidelines” until you are comfortable, and confident, that the deal is going to succeed. Learn More…..
Investor Charity Program
Many charities have found it exceedingly difficult to raise money in their traditional manner due to restrictions on public gatherings and travel. In order to help as much as we could to make up this shortfall for these charities, we have changed our two programs in order to;
- Never deplete the funds raised for the charity and focus on a recurring revenue stream from these deposits.
- Create a recurring revenue stream for financing the charity on an ongoing basis, rather than just a one-time match.
- Provide a fully regulated product for smaller donations that create a secure return for both the supporter and the charity.
With this we have created the following:
Our investor and you will set up a deposit account with raised funds of $10M USD or equivalent and above, in a “Top 20” Bank in the name of either the Charity, the Supporter, or whomever the charity designates as Fiduciary for the funds. They have only a few requirements of this account. Learn More……