~International Financing Solutions~

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.