Loans against Financial Instruments / Up to 50% Humanitarian Grant!

	Borrower arranges for an accepted guarantee-issuer to provide an irrevocable and unconditional guarantee in favor of EMC as beneficiary for repayment of loan principal amount with all due interest for the loan term plus BCS’s fees.
	Borrower must have sufficient financial resources to secure the issuance of an acceptable guarantee and repay the loan.
	Collateral of any kind cannot be accepted in place of guarantee.
	Collateral (cash, marketable securities, unencumbered real estate equity, etc.) may be pledged to an accepted guarantee-issuer to secure the issuance of an accepted guarantee.
	EMC will then provide loan funds secured by guarantee.
	Borrower then begins to repay loan.
	When loan is fully repaid, guarantee expires.
	If borrower defaults, guarantee-issuer must irrevocably and unconditionally pay EMC the deficiency amount.
	Guarantee fully eliminates the risk of default to EMC so they can provide exceptionally beneficial loan terms and conditions to borrowers.

Keep in mind that our source will ONLY do business with "Qualified Applicants" that can prove FIRST that they have the "Financial Capability" to do this type of transaction; no exceptions!; we, BCS, as authorized representatives of EMC must comply with this request before we submit the applicable loan documents to EMC.

Loan Terms & Conditions:

Interest Rate : From 3% up to10% per annum varies from country to country.
Grace Period : Up to project construction period. Exact grace period would be determined after source's review of project construction schedules.
Repayment : Quarterly/Half Yearly/Yearly or at the end of the loan term (capital + interest) as desired by borrower. Term : 5 to 25 years varies from country to country.
Total Consultant Fees/Lender Closing Costs including (but not limited to) project feasibility review, match making service, documents preparation, loan processing and consultation fee: 1%
Collateral / Security / Guarantee : (a) Bank Guarantee (b) Standby Letter of Credit (c) Bank Promissory Notes (d) Screenable Govt. Global Bonds (e) Central Bank Guarantee (payable at London or New York by their corresponding world prime bank) (f) US Treasury Bonds / Bills (g) CD (h) MTN's and (i) Safe Keeping Bank Receipt (SKR) of Precious Metal / Gold. The first maturity date of the instrument should be one year and one month or maximum 3 years and one month, which is renewable at maturity up to the loan term as agreed upon. Guarantee should cover loan principal + interest + our fees.
Guarantee Issuer: The guarantee should be issued from one of the top rated Western-European / American banks. Guarantee may be issued by a reputable and top ranking local bank or Central Bank of the project country, such guarantee should be confirmed and made payable by their Western-European / American corresponding bank at the counter of their London or New York branch. Also, BG (bank guarantee) or acceptable financial instrument could be considered from top ranking local bank if BG is made payable at the counter of their OWN foreign branch in New York or London (Top Local Bank must be listed in Bankers’ Almanac Banking Directory; see http://www.bankersalmanac.com/weblink.asp and have minimum current Total Assets of US$ 5 Billion).

Most Frequently Asked Question:

Why use us, BCS, as consultant and EMC for financing your project and not the top world bank that is going to provide/issue you the Financial Instrument to be used as collateral for the loan?; there are various reasons for this:

1. Due to the fact that EMC is a Private Lender/Investor, there is much less red tape and accordingly we can adapt rapidly to ever changing scenarios and close deals real fast; BCS and EMC keep in touch with the qualified client on a daily basis (including weekends) by email or as required by the project's circumstances.

2. Terms and Conditions could be in some cases better than the ones provided by top world banks. One client came to us with a US$100M project from Asia. A top world bank quoted them 5% interest and 7 years to repay loan; EMC made a preliminary quotation of 3% interest and 10-20 years for repayment. Another client came with a US$400M BG, they wanted the net proceeds for their project in one tranche, their world top bank said from 4 to 5 tranches, EMC offered funds in 1 to 2 tranches.

3. Capital (loan principal) plus interest can be paid together in one bullet payment at the end of the loan term.

4. Should project be qualified as an Humanitarian Project as per above guidelines, EMC could offer up to 50% Grant to the client thus receiving much better terms and conditions.

5. Total consultant fees/lender closing costs are only 1% of total loan amount payable to us when funding occurs, not before.; we succeed if the client gets the loan based primarily on submitting to EMC an acceptable and authentic Financial Instrument.

Attention:

Guarantee must be fully backed by Borrower’s and/or Collateral Provider's assets in order for EMC to consider capital request.

EMC will not respond to borrower or "collateral provider" or "BG arranger" with a conditional/firm letter of acceptance and/or confirmation of financial capability, stating that they will lend if the conditions of a satisfactory Guarantee is delivered, covering the loan amount with interest; this is Solicitation. Does your bank request a "proof of funds" from the Lender before they will issue the guarantee or any kind of letter of intent to guarantee? If so, the deal is over and you need to find a new lender. These institutions are attempting to use the lender funds to create guarantees, placing all risk on our lender. We therefore absolutely and completely reject any and all "proof of funds" deals.

We only accept capital requests from borrower or direct consultant to borrower; no broker chains!

International Loans can be provided for projects located anywhere in the world except those countries that are under financial embargo by UN/IMF/USA: for a complete list of these countries please click on the following link: http://www.ustreas.gov/offices/enforcement/ofac/sanctions/index.html ; no funds are provided for any defense military project.

Loan Procedures :

Submit your project's details through our Basic Capital Request Form which is available on our "Contact Us" page plus a preliminary LOI from BG issuer for 50% of the total amount requested; we need this document in order to prove to our source that our client has the initial "financial capability" to do the deal. Bank Guarantee Issuer (as per guidelines # 5 and # 6 above from loan terms and conditions) must issue a LOI to the borrower stating that they are ready, willing and able to issue a BG for the amount of US$ …… Million etc based on the borrower's assets deposited on their bank (please, do not send us a LOI from a "collateral provider" or "BG arranger"). Should guarantee be already issued, please provide copy of documents related to said guarantee along with "proof of ownership".
We will do our best to review your capital needs and see if it could fit (on a preliminary basis) into EMC's program. Should we be interested in your request, we will contact you.

Please note that due to the volume of correspondence received, incomplete submissions and casual inquiries will NOT be reviewed or acknowledged.
BCS will submit to EMC documents requested in step #1 above (plus other ones we may request) for their review. Official Loan Terms & Conditions will be offered only by EMC should they issue to BCS an Expression Of Interest regarding your capital request. At this point in time (not before) we will then provide to borrower EMC's Funding Profile (this profile is given only to Qualified Applicants). EMC will verify the LOI with the LOI issuer. If satisfied, then they will provide an official loan approval notice along with a Loan Agreement (LA) which should be duly signed by the borrower and lender.
Upon execution of the Loan Agreement, EMC will advice Lender’s bank coordinates to borrower where borrower’s bank should send pre-advice for BG, Lender’s bank will then respond to the borrower’s bank and will advice to deliver BG via SWIFT or Euroclear.
EMC's bank will verify the guarantee and if found authentic then funds will be provided in the form of Line of Credit to be disbursed to the borrower’s designated account by Lender’s bank as agreed in the Loan Agreement. Funds will be released to the borrower by phases in several tranches as per project implementation schedules defined in the LA subject to the satisfactory completion of bank to bank or on screen due diligence on the guarantee. BCS's fee will be deducted by EMC's bank as funds are disbursed in tranches to the borrower.
Our source will only entertain capital requests that agree and comply with the above procedures; these are not negotiable.

We look forward to assisting you with your capital needs as per above loan terms, conditions and procedures.

Note - Because of ever changing market conditions, terms, conditions and procedures of this Program are subject to change without notice; please visit us regularly for updates.

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OUR FINAL GOAL

"Our Business Group just wants to make it simple for you to do business with us; hope we can develop a mutual beneficial long term relationship with some of you."