~International Financing Solutions~

International Financing Solutions
A  Division of Sean Allen, Inc. 

Hedge Fund Commercial Loans to 100%+ LTV
(Leveraged Equity Fund)

5% Interest Rate

No Minimum Credit Score - Stated Income

Must be on Title at time of application (no purchases allowed)
Must have minimum $1 Million in Equity at time of application
Subject Property must be in the United States

Simple formula:

1. Appraised Value (must be MAI Appraisal) divided by 2
          Ex. MAI Appraised Value $10,000,000/2 = $5,000,000
2. Subtract the debt on the land/building off of amount
          Ex. $5,000,000 - $4,000,000 mortgage = $1,000,000
3. Multiply the amount left by a multiple of 15
          Ex. $1,000,000 X 15 = $15,000,000
4. $15,000,000 is for 3years, paid back in 3 years at 5% interest each year, payable at the end of three years
          Ex. Loan $15,000,000, 5% annual interest,
          balloon due in 36 months = $17,250,000

HEDGE FUND FEES TOTAL = 10-12 Points

*Hard Costs will also apply

Our "Nationally Known Lender" represents a hedge fund that is funding leveraged equity commercial loans that fit into the above formula.  This is specific formula for a specific fund that has commitment goals of 1.1 Billion dollars by year end. The "Use of Funds" must be for ‘improvements" to the property.

To review your project for financing please email to us the following:

•  Detailed Business Plan / Executive Summary
•  Detailed Use of Funds / Pro-forma

Sincerely,

Sean Allen
President
Ph: 239-898-9281
Email: sallen11867@aol.com
www.InternationalFinancingSoultions.com

Terms and conditions of this financing program can change at any time or be discontinued. For the latest guidelines, please send an email or give us a call.

Commercial Hard Money or Commercial Bridge Loans: 

International Financing Solutions & ACT Global Finance Specialized in an assortment of commercial funding programs. One of our more popular programs involves securing Commercial Hard Money or Bridge Loans.

Commercial Hard Money or Commercial Bridge Loans are typically short term loans to allow the borrower more time to re-organize or re-structure a permanent loan on their commercial property. These loans are usually good for 12 months to 36 months and are associated with high costs. The subject properties can be in the United States or elsewhere in the world. 

The main determining factors for qualifying for such a loan are: 

• The current "As Is" Market Value of the Subject Property
• The Exit Strategy ... How long the loan is needed and where will the money come from to pay back the loan. 

These loans can be used to acquire a new business or a raw piece of land for future development. The key here is the Market value of the subject property in relation to the loan amount requested. 

The Typical Guidelines for these loans are: 

• Maximum of 50% LTV of the "As Is" Market value of the Subject Property
• Interest rate will be between 12% to 15%
• Total fees collected at closing will be between 7 and 10 points
• Loan Term is for 12 months with the ability to extend to 36 months
• Typical closing time is 30 to 45 days
• Minimum Loan amount of $5 Million USD
• Available on properties around the world ( with a few exceptions )
• Up front fees will range from $25,000 to $40,000 depending on loan amount and location of the subject property on the globe 

Many times these loans are used to acquire the property with additional funds for infrastructure and planning expenses (applying for permits, entitlements, ect.). They can also be used by existing business to help get them over a financially tight business time period. 

In order for our team to perform an initial review your project for such a loan, we will need the following information: 

• Business Plan
• Pro forma
• Detailed ‘Use of Funds"
• Detailed Exit Strategy
• Copy of a recent appraisal which shows the "As is" Value of the property. 

Please be sure to keep in mind that the "Market Value" will typically come in at 20% to 30% below the current appraised value. The funding source will make a determination on the Market Value after their analysts have reviewed the appraisal and completed research on similar property in the geographic region as the subject property.

Need assistance securing financing for your project?

Contact us at:

sallen11867@aol.com
Phone: 239-898-9281
Skype: sean.allen5
www.InternationalFinancingSoultions.com

Residential Development Financing 

Due to the current housing conditions in the United States and other countries very few lenders are financing Residential Development. It doesn't matter how much of a down payment the developer is willing to put on the loan, they still will not touch it. 

BUT. ...... We have a lender who will !!!!!! 

International Financing Solutions & ACT Global Financing have a lender based in the United Kingdom who is financing Residential Development in the United States, Central America and the Caribbean. Their belief is that the worst of the housing crisis is over and because of the conversion factor of US Dollars to the British Pound, it is well worth their investment. 

As of this writing we have a few of these loans in the works for funding and we can add your project to the group. The minimum loan amount for these projects is $50 Million USD and has no upward limit. The financing will cover 100% LTC and up to 80%LTV of the finished product. 

General Guidelines: 

• 100% LTC with 80% LTV of finished product
• Minimum Loan amount of $50 Million
• Available in the Americas (North, South, Central and the Caribbean)
• Interest Rate is LIBOR + 2%
• Interest Reserve for 24 months
• Loan Term from 2 to 5 years (depends on build-out schedule of project)
• Must have a ‘Green" or "Humanitarian" component
• Requires a Retainer fee of $35,000 paid to the Lender/Gate Keeper 
• Pre-Sales are no mandatory if developer has a feasibility study
• Most Closing Costs can be added into the loan

This program is designed for the development of a single family residences, condominiums or multi-family. Mixed use developments are eligible also. 

This is one of the FEW lenders who is currently funding Residential Developments.

For more information contact:

Sean Allen
239-898-9281
sallen11867@aol.com

Please be advised that Rates, Terms and Conditions of the financing program can change
at any time without notice.

International Financing Solutions
A  Division of Sean Allen, Inc. 

9531 Cypress Drive N.  Ft. Myers, Florida 33967
Ofc: 239-482-6866    Fax: 888-482-6860
Sean Cell: 239-898-9281     Email: sallen11867@aol.com
www.InternationalFinancingSolutions.com

________________________________________________________________ 

Skilled Nursing /  Assisted Living Acquisition / Refinance 

Guidelines / Terms: 

• 85% Loan-to-Value (No cash out Allowed)
• Seller Promissory note of 7.5% Loan-to-Value allowed
• Up to 35 year Amortization
• Up to 35 year Term  (no Balloon)
• No Maximum Loan Amount
• Low, Fixed interest rate, based on market spread over 10 yr treasury yield
• Non-recourse, with no standard conduit carve-outs
• Flexible & negotiable pre-payment terms, NEVER defeasance or yield maintenance
• No limit for rents, tenant income, or return on equity
• 1.17 Minimum Debt Service Coverage
• This loan is always assumable
• Third-party expenses and loan costs are financeable 

Skilled Nursing / Assisted Living - New Construction / Substantial Rehabilitation 

Guidelines / Terms: 

• up to 90% Loan to Cost (95% for Non-Profit Sponsor)
• Interest only construction loan that automatically converts to 40yr permanent financing
• 40 year Amortization
• 40 year Term (no balloon)
• No maximum loan amount
• Low, Fixed interest rate, based on market spreads 10 yr Treasury Yield
• Non-recourse, with no standard conduit carve-outs, including construction period
• Flexible & negotiable pre-payment terms. NEVER defeasance or yield maintenance
• No limit for rents, tenant income, or return on equity
• 1.11 Minimum Debt Service Coverage (1.05 Minimum Debt Service Coverage for Non-Profit Sponsor)
• This loan is always assumable
• Third-party expenses and loan costs are financeable 

Sincerely,

Sean Allen
President

Terms and conditions are subject to change any time without notice. For the most recent
update please call or email us.

International Financing Solutions
A  Division of Sean Allen, Inc. 

9531 Cypress Drive N.  Ft. Myers, Florida 33967
Ofc: 239-482-6866    Fax: 888-482-6860
Sean Cell: 239-898-9281     Email: sallen11867@aol.com
www.InternationalFinancingSolutions.com

____________________________________________________________________ 

100% LTC & 100% CLTC Acquisition & Development Financing
 or Condo Conversion Financing

Program guidelines: 

• Loan Amounts from $5 Million to $500 Million
• 100% LTC on all Soft & Hard Costs & Interest Reserve
• Available in the USA, Canada, Mexico, Bahamas, Caribbean, So. America
• Max Loan to Value is 80% of completed value
• Loan term is 36 months with options to 60 months
• Interest Rate is LIBOR + 2pts (varies between 1pt & 2pts)
• Initial Commitment fee is required $10,000 to $70,000 depending on project, location and loan amount
• Closing costs can be rolled into loan if it does not exceed 80% of completed value
• Total Points on file to be roughly 4 points (IFS included in this amount)
• West Coast Based projects (CA, WA, OR, NV, UT, etc):
  * 100% LTC on loan amounts from $5 Million to $65 Million
  * Loan amounts over $65 Million requires 2 loans (75% & 25%)
  * The 25% equity portion requires 15% to 18% profit sharing (on the 25% portion) 

Special Notes:

• Commitment Fee is due at time of Term Sheet is issued & not negotiable
• Commitment Fee does not cover 3^rd party reports, appraisals, surveys, attorney or title fees due before there is a funding. 

To proceed to a successful closing and funding on this program please contact us via e-mail or phone. 

Sincerely,

Sean Allen
President

Please keep in mind that rates, terms and conditions can change at any time without notice. For the most recent terms, rates and conditions, please contact us either via phone or email.

International Financing Solutions
A  Division of Sean Allen, Inc. 

9531 Cypress Drive N.  Ft. Myers, Florida 33967
Ofc: 239-482-6866    Fax: 888-482-6860
Sean Cell: 239-898-9281     Email: sallen11867@aol.com
www.InternationalFinancingSolutions.com

__________________________________________________________________ 

Commercial Bridge Loans for
Central America & the Caribbean 

Up to 65% LTV 

A Commercial Bridge Loan is a type of short-term loan, typically taken out for a period of 6 months to 3 years pending the arrangement of a larger "take out" loan. These are provided as a way to provide a financial bridge to the borrower until the
permanent loan can be closed. 

General Guidelines: 

• Up to 65% LTV on the properties "Market Value"
• Good in most areas of the Caribbean and Central America
• No Down Payment required on purchases IF the Market Value of the property is high enough
• Interest Rate is between 12% & 15% per year
• Total fees on this program are between 7 to 10 points
• Initial Loan is for 12 months, but can be extended out to 36 months
• Loan can close within two weeks from Issuance of a Commitment Letter
• Requite an initial "Upfront" commitment fee (based on loan amount & property location)
• Upon Issuance of Commitment Letter, borrower will need to wire 1.5% of the loan amount to lender / gate keeper
• Closing costs can be rolled into loan if the Market Value of the property supports it.
• Requires a SOLID Exit Strategy
• Appraisal required
• Survey may also be required 

This financing program is good for the acquisition of raw land for development, providing liquidity to a company to expand or make it through a dry spell, to supply money to complete the permitting process before applying for a development loan, and much more. 

To apply for this loan please send the following: 

• Detailed Business Plan
• Pro-forma with a list of WHAT this money will be used for (in detail)
• Summary Form (we can supply this to you)
• Borrower's Financial Statement
• Copy of the Appraisal 

Sincerely,

Sean Allen
President

Please keep in mind that rates, terms and conditions can change at any time without notice. The "Market value" may be lower than the "Appraised Value" based on the determination of the lender's underwriting department. For the most recent terms, rates and conditions, please contact us either via phone or email.

International Financing Solutions
A  Division of Sean Allen, Inc. 

9531 Cypress Drive N.  Ft. Myers, Florida 33967
Ofc: 239-482-6866    Fax: 888-482-6860
Sean Cell: 239-898-9281     Email: sallen11867@aol.com
www.InternationalFinancingSolutions.com
______________________________________________________________________ 

Commercial Bridge Loans 

A Commercial Bridge Loan is a type of short-term loan, typically taken out for a period of 6 months to 3 years pending the arrangement of a larger "take out" loan. These are provided as a way to provide a financial bridge to the borrower until the permanent loan can be closed. 

These loans are typically more expensive than the main loan because of higher interest rates, more points and other costs which accumulate over a short time period. These loans are usually for 50% of the appraised value of the land/real estate and can be funded in a very short period of time ..... 30 days or less. It is also not uncommon to cross-collateralize additional property to secure the loan. 

Bridge loans, because of their nature, are typically paid back once a permanent "take-out" loan closes or the property sells. 

The interest rates for Bridge Loans are between 12% and 15% and will have 6 to 10 points charged for supplying the financing. 

Some examples of Bridge Loan usage are: 

1. Take down the land for a development. This will usually involve the borrower putting cash into the transaction, the seller can hold back a second mortgage and the funding source provides 50% of the purchase price.
2. To provide a developer money to obtain the required permits and entitlements in order to secure permanent financing.
3. To provide cash to an existing company in order to make it over a financial hump or to help finance an expansion of the business. 

International Financing Solutions & ACT Global Financing specialize in Commercial Bridge Loans for properties/projects in the United States and abroad. Each request is reviewed on a "Case by Case" basis and the funds are figured depending on the appraised value of the property. 

If you are in need of a short term Bridge Loan, please provide us with the following documentation: 

• Detailed Business Plan
• Detailed Pro-forma
• Completed Summary form (this is provided upon request)
• Appraisal of the subject property 

Once we have the first three documents listed above we can then start the review process for your project. 

Our minimum loan amounts apply to the Bridge Loans:

* On Loans for US based properties the minimum loan amount is $5 Million USD
* On Loans for International properties the minimum loan amount is $10 Million USD.

Sincerely, 

Sean Allen
President

Please remember that terms, conditions and guidelines can change at any time without notice. For the most recent terms & conditions please call or send an email.

International Financing Solutions
A  Division of Sean Allen, Inc. 

9531 Cypress Drive N.  Ft. Myers, Florida 33967
Ofc: 239-482-6866    Fax: 888-482-6860
Sean Cell: 239-898-9281     Email: sallen11867@aol.com
www.InternationalFinancingSolutions.com

____________________________________________________________________ 

Construction to Perm Development Financing
Acquisition Financing or Re-Financing / Acquisition & Development /
Construction Financing or Re-Financing
_____________________________________ 

This is a Private Investor / Single Source / One Closing Loan for Construction to Perm Financing on Development and Commercial Properties
__________________________________ 

 General Guidelines: 

• Minimum Loan Amount in the United States - $5 Million USD
• Minimum Loan Amount outside the United States - $10 Million USD
• No Maximum Loan Limits
• Maximum LTC is 95% (Borrower must have 5% of their own money in the deal)
• Interest rate varies between 8.35% to 8.75% depending on location of project and project type.
• Amortization: 10 to 45 years depending on the projects need
• Payments during construction are "Deferred During Construction Phase"
• No Pre-Payment Penalties
• Some Equity Participation by the lender. (Based on a Project by project basis)
• Lender performs a thorough background check on the developer and their team.  There can be NO criminal backgrounds involved.
• Funding Time:
        US Projects: 30 to 90 days depending on project type & size
        Int'l Projects: 60 to 120 days depending on project type & size 

Projects Considered:

• All commercial Real Estate Developments / Construction Projects AND Oil & Mining Projects
• Resorts, Hotels, Office Buildings, Marinas, and more. 

Documents Needed for Initial Review: 

• Detailed Business Plan
• Detailed 10 year Pro-Forma
• Summary Form Completed (Contact us for this form)
• Personal Financial Statement of the Principles 

Timing:

A Letter of Interest is generally issued with 5 to 10 business days of receiving the requested documents listed above. Once the Private Investor receives the signed Letter of Interest and the commitment fee is paid, they will proceed with the thorough due diligence. It is at this point which the clock starts ticking to meet the Funding Time Table as explained above.

If you have a project that you would like to submit for this program or any other
program in our portfolio, please email the above reference
"Documents Needed for Initial Review" to us .... sallen11867@aol.com

Important Note: 

Most Commercial Private Money Funding Sources do not finance "Construction to Perm" type of transactions. If you need 100% Financing for your Development, then we have numerous other Funding sources to finance the Acquisition & Development phase of your project. Once construction is completed, then we can refinance the project into a long term permanent loan. Rough 98% of our clients prefer to do the project in two loans..... an A&D loan for construction and then re-finance into a permanent long term loan. This route is much easier and faster to getting your project off the ground.

__________________________________________ 

Rates, Terms, and Conditions of the above loan summary are subject to change at any time without notice. For the most up-to-date information, please give us a call or send an e-mail.

International Financing Solutions
A  Division of Sean Allen, Inc.

9531 Cypress Drive N.  Ft. Myers, Florida 33967
Ofc: 239-482-6866    Fax: 888-482-6860
Sean Cell: 239-898-9281     Email: sallen11867@aol.com
www.InternationalFinancingSolutions.com
___________________________________________________________________________

  100% LTC Development Project Funding
..... for "Green" and "Humanitarian" Designated Projects
  

General Program Guidelines:  

• Minimum Loan Amount $50 Million USD, No Maximum Limit
• Term from 2 to 5 years
• Interest Rate is LIBOR + 2% to 3%
• Interest Reserves for first 24 months
• LTC up to 100%
• LTV up to 85% (as completed appraised value)
• Loan can close in 45 days IF borrower is prepared for a fast closing
• MAI Appraisal required
• Loan can typically be extended past 5 years for additional fees
    

Preferred Project Locations:  

• United States
• Canada
• Mexico
• Central & South America
• Caribbean (U.S., Dutch and British territories only)
• Europe
• Asia (including China)
• Australia
• South Africa
• NOT available in Russia, Middle East and other countries which are either unfriendly to U.S. interests or are politically/economically unstable  
  

Available for Various Project types Including:  

• Residential Developments
• Condo & Multi Family Projects
• Hotels & Resorts
• Amusement and Theme Parks
• Golf Courses and Casinos (must be part of a Hotel / Resort)
• Bio Fuel and Alternative Energy Projects
• Office, Retail and Industrial Projects
• Acquisition of Raw Land is NOT Available  

Initial Documents Needed for Review:  

• Detailed Business Plan
• Detailed 5 year Pro-forma
• Summary Form (contact us for this documents)

These document can be emailed to sallen11867@aol.com

International Financing Solutions only utilizes Direct Lenders for funding our files. These Direct Lenders do NOT rely on investors to buy their loans but portfolios all funded files. Like MOST Private Money Lenders, they will collect an upfront "Commitment Fee" once a Term Sheet has been issued.

Sincerely,
Sean Allen
President

The best way to reach me is via E-mail.

Please keep in mind that the above terms and conditions can change at any time without advanced notice. If you have a file which you would like to be reviewed for this program or any others which we have, please call or send an e-mail to get the most recent updates. Any potential changes can affect the Interest Rate, LTV and other components of the program.

In today’s commercial lending environment, many lenders are now requiring any project which they entertain for financing must have a “Green” or “Humanitarian” component to it. Although these projects can be located anywhere in the World including the United States, it must still meet these guidelines. 

We are asked quite often, “What makes a project a qualify as humanitarian”? 

Some examples of Humanitarian Projects would be: 

• Any type of School. This could be for children thru grades 12, Colleges, Universities, Medical Schools, or any professional school. It may be used for student housing or other “support services” to the school, staff or students.
• Medical Facilities like Hospitals, Medical Clinics, Assisted Living Facilities, Nursing Homes, or other medical related projects.
• Government Facilities like office buildings to house various government departments, the building of roads, dams, training facilities, housing facilities for government staff, housing for the homeless, to expand a cities infrastructure, and other similar developments.
• Building of Dams for Hydroelectric power, Solar Power, Wind Turbine Farms, Tidal Power or other energy generating facilities.
• The building of road, highways, train lines or other forms to provide public access.
• The building of Bus Terminals for a cities bus system. The building of Train Terminals.
• The building of Ports to bring more goods into or out of a country.
• Building low income housing to house the poor. 

For a project to be considered “Humanitarian” the whole project does not have to qualify. You could be building a bus terminal and have a hotel on site. Since the project includes the building of the bus terminal, it then qualifies as Humanitarian. 

International Financing Solutions has secured a partnership with an Investment Group to supply 100% Developer Financing for projects around the World. The projects must need a minimum of $100 Million in funding and need to be either “Green” or “Humanitarian” in nature. 

A short list of the project types which can be financed
(Must have a Green or Humanitarian component) 

• Resorts                                                  * Wind Power Plants
• Hotels                                                    * Hydro Electric Power Plants
• Condo Hotels                                         * Tidal Power Plants
• Residential Developments                      * Fuel Terminals
• Condominium Complexes                      * Urbanizations for Cities / Towns
• Multi-Family project                              * Schools, Universities
• Office Building                                       * Marinas
• Virtually any type of project imaginable EXCEPT for Casinos

What do we need to review your file for possible financing? 

• A detailed Business Plan
• A 10 year Pro-Forma 

This is an outstanding program which is financed through an Investment Group that has been in existence for close to 100 years. 

If you have projects or multiple projects that need funding, please contact us and we can discuss them. We can also provide an outline of what the business plan & pro-forma should look like and how to structure them for best results. 

To submit your project for 100%LTC financing, send your Business Plan & Pro-Forma to sallen11867@aol.com or call us at 239-898-9281.

Please be aware that terms, guidelines and conditions of the financing program can change at any time without notice. For the most up-to-date conditions, please send us an e-mail or give us a call.