Associates

Please Note: The OLC does not control these lending resources, we act simply as the middle man. The OLC does not
take any responsibility nor does it make any recommendations.
All fees for these loan programs are paid directly to the associates providing these programs and NOT to the OLC.

USA

Conventional commercial to 5M:
with FICO's down as low as 500 in some cases. Little or no fee. Programs for larger amounts available.
FULL DOC AND PRETTY TYPICAL, 60 DAYS Email

USA Domestic developments:
9%-16% interest typically, short term, up to 5M “sweet spot”, will do more depending on project strength.
     Needs to be around 40-60% LTV against “Completed Value” so there is room for interest reserves and
     profit within a 65% LTV cap.
       PRETTY MUCH HARD MONEY AND MORE DETAILED THAN EVER   Email

      10M - $200M or more, 25% of the land cost and approximately 20% of the
      development costs need to be brought by the client as cash. Loans are then up to
      75% LTV against completed value, has a ~$70k fee.
      THIS IS PRETTY DETAILED, REQUIRES A LOT OF DOCUMENTATION, BUT CAN
       HIGHER LTV’S AND INTERNATIONAL LOCATIONS THAT OTHERS WILL NOT FUND.
       REQUIRES STRONG BORROWERS AND DECENT FINANCIAL STRENGTH BEHIND IT,
      EVEN IF NOT REAL STRONG IN THE PARTICULAR PROJECT. 2-3 MONTHS to fund.
      Email

      Teamsters Union Pension Fund $1 Billion minimum to no practical limit 100%
      We have a unique and new international loan program utilizing pension funds and government
        guarantees to provide 100% project funding. With the benefit of government economic incentive
        programs we have created a program for up to 100% LTC loans over $1B that qualify. Land
        purchase and soft costs can be included. The sweet spot is $2B with no practical maximum.

        Within the USA only the program requires a minority person with decent financials have majority
        ownership of the project or be the contractor. If it is a government project or contract it qualifies
        as well.

         We need an application (supplied on request) with financials attached showing a net worth of at
         least $10 million, preferably liquid. Also include a detailed response to question #13 on the
         application outlining the number of jobs that will be created or involved and for how long. Be sure
         to include all ancillary positions for a complete number.

         We issue an OLC 2% compensation agreement that includes all brokers. In addition the program
         typically charges 1% out of proceeds.

Pension Fund - Preliminary Information

1. Brief description of the nature of the project and its location.
2. Resumes required on principals.
3. How much capital have the principals invested into this project, and specifically how were those funds allocated ?
4. How much are the principals looking to borrow?
5. What is the total amount of hard equity the principals are contributing?
6. What are the other assets that the principals have or will contribute to the project?
7.   Do the principals have title to this property and what is the status of the appraisal?
8.   Do the principals have all the necessary entitlements?
9.   Specific breakdown of the use of funds.
10. We need a projection (pro-forma), showing the anticipated annual revenue and net income of the project for a three year period.
11. Current financial statements are required from the principals or entity.
12. What is the exit strategy?
13. Please list the number of jobs this project is expected to create during all major phases, including once stabilized.
USA ONLY 14. Is this business more than 50% owned by a minority person, group, or company? If so please list the percentage(s) and the qualifying minority status. If not, is it a public municipal project?

USA Equity & PPM Presentations:
Associate charges $50,000 to individually present equity needs to our list of over 100 private and
institutional equity sources. EXPECT IT TO TAKE 6-9 MONTHS Email

High LTV or unusual US and International loan requests:
Associate charges $35,000 or more to gather a complete package and do the site visit to confirm the true
      values and then if viable we place it. GETTING TOUGHER BUT SOME HARD TO BELIEVE LOANS ARE PROVING
      UP USING THIS METHOD. THIS GETS US TO THE SITE VISIT AND IF THEY CAN REALLY PROVE IT MAKES
      SENSE THIS WORKS
      Email

USA Domestic AND International hard money: Typically ~$35,000 fee. Email

Conventional USA domestic commercial loans
via an International Bank to $100,000,000 plus. Great for medical, credit lines, refinances, etc. $15,000 fee.
Email

Expansion & some Startups.
       We have Joint Venture investments available at reasonable upfront costs from a
       group of JV investors. They will consider most project types including real estate,
       movies, oil & gas, alternative fuels, mining, and internet based to name a few. Low
       documentation with these submission criteria:
         8Signed cover letter from the principal detailing the loan request and the use of
       funds.
       8An Executive Summary
       8History of the Company
       8Detailed Resumes on the Principals and/or team or consultants

The process is to submit the above package along with a non-circumvention
       agreement, a success fee agreement, and a copy of the wire transcript for the
       small upfront fee which is typically about $25,000.
       Then an invitation for a direct meeting or video-teleconference is arranged at the
       clients (called the sponsor by this group) expense complete with any needed
       interpreters. Either way this may cost several thousand dollars but should be less
       than $5,000.

       This program will go in on the ground level unlike most others. They charge 6-7%
       on their use of funds and a 20-50% JV equity share. It can fund within 45 days if
       all goes well. There is a $1M minimum which may go as low as $250,000 on a case
       by case basis.
       Email

USA - UP TO 100% LTV FINANCING available for US projects majority owned by a minority person with
decent financials. The larger the better, into the billions of dollars. Should have some real estate involved
and is great for civic projects like roads and bridges. A $25M minimum. Email

USA - EQUITY ONLY Up to 100% FINANCING for construction projects of $2M or more IF the land is owned
free and clear. No payment, lender takes about 35% of the equity in the project. Email