A Fairer Deal in Finance
Beat the Banks at Their Own Game!!
Earn Double, Triple, Quadruple, or More Than the Banks Pay You.
Focus Liquidity has developed a method that allows you, and
people of all income levels, the possibility to let your money truly
start working for you.
Until now you could deposit your hard earned dollars into a bank
account and receive a pittance in interest whilst the banks earn
several times more than they pay you. This is simply not fair!!
The only benefit to you between returns earned on traditional
bank deposit savings and, for example, returns from investing in
stocks or bonds is that you do not need a lot of money or any
experience to start.
Imagine what it would mean to you if you could bring your money directly to the end client and
you, not the bank, could earn the high rate of interest. And how easy would it be if you could
start with as little as $1,000? Or if you don’t have $1,000, team up with a friend and start
earning what should rightfully be yours, together.
With Focus Liquidity you don’t need to imagine anything, as we have made this a reality. No
longer do you have to accept the morsels left-over after the banks have feasted on the best
cuts. Through the method we have developed you can now take your money directly to the
market for a return several times what the banks will offer you.
How can you take advantage of this right now? Simply ask the person who gave you this
information, or contact Focus Liquidity directly by sending your name and contact number by
email to info@focusliquidity.com and we will be in touch shortly.
How does it work?
When you deposit your money in a bank account or invest in stocks or other financial
instruments, you give control of your money, and the responsibility for the decisions as to what
happens to it, to a person you do not know, nor probably will ever know. A so-called expert!
History shows that these so-called experts in the financial services industry don’t always get it
right, and when they get it wrong the effects can be devastating for millions of people. People
like you and your family.
With the Focus Liquidity method you will be lending directly to the company that is seeking
funding without having a bank in the way. From the moment you execute the loan agreement
your money will be earning you a minimum 8% per annum1. A sliding scale based on an
independent risk assessment by certified professionals will guide higher interest rates for some
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A Fairer Deal in Finance
opportunities. The higher the risk, the greater the return. Also, as economic times fluctuate, so
will the base interest rate1.
The important thing to remember is that you have the control and it is you, not some anonymous
‘expert’ in the bank, who decides to whom your money is lent. Your only commitment is that
the loan will be for a fixed term of 12 months, and can of course be renewed by mutual
agreement after the 12 months through a very simple process.
Actually, this type of lending has been going on for centuries and indeed a few other companies
offer similar solutions, however they are missing the “X” factor. The added value that makes
Focus Liquidity stand out from the rest by making it possible for you to double, triple, or even
more than quadruple your earnings compared to bank interest. We’ll explain more later in this
document.
How Safe is My Money?
Your money will be backed by security/collateral offered by each
borrower. Each opportunity is assessed and credit ranked by an
independent auditor. All of this information is available to help you to
evaluate which opportunities you wish to include in your portfolio.
If you put your money in the financial services industry, quite often
bankers, some financial consultants, and stock brokers will earn a
commission for helping you to buy financial instruments they have
recommended to you. They have a vested interest in the outcome.
Some might call this a conflict of interest.
Through the Focus Liquidity system, you have the peace of mind that
independent professionals without any interest in the outcome have
scrutinised the proposals and given their professional opinion to help
you in reaching a decision.
How Can I Evaluate the Risk?
As we mention above, each opportunity is assessed and credit ranked by an independent auditor.
However we understand that even this type of information can be a little difficult to fully
comprehend when you are just starting out. Therefore we provide some additional educational
material free-of-charge to help you to understand what is being presented to you.
In addition we have advanced content if you wish to further your understanding of how to
evaluate these types of business propositions. We also have other advanced educational material
both as self-paced study courses and downloadable information from a number of related
financial fields. The advanced courses and content are part of the premium subscription service
which offers these and a range of other benefits over the standard account.
1 When high-interest long term accounts earn 3.5% - 4% as is the case in Australia in 2009, the base rate is 8% based on the best credit ranking. Base
rates will also vary per country to reflect the current base rate in a given market at that time. There will always be companies that need funding, and
cannot obtain it through the banks, irrespective of interest rate or economic times.
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A Fairer Deal in Finance
How Can I Start?
We’ve designed our registration process to be as simple as possible whilst providing a level of
assurance that everyone who wants to lend is indeed eligible to do so. We are not going to pry
into your past but we’re sure you’ll understand that we do need some basic information to be
certain that you are who you say you are, are of legal age and that kind of stuff.
If you have questions, simply ask the person who gave you this information, or contact Focus
Liquidity directly by sending your name and contact number by email to info@focusliquidity.com
and we will be in touch shortly. If you’re ready to register then please indicate this in your email
and we’ll email you out the forms.
Focus Liquidity is in the process of transforming this method into a scalable online web-based
system so that in the near future your friends will be able to register directly online via the web,
or their iPhone™ 2.
An Opportunity to Start Earning Immediately
In addition to our investor base, Focus Liquidity itself is open to receiving offers of loans starting
from $1,000 with a maximum of $500,000 per loan. The funds will further contribute to the
establishment of the online system and commercial exploitation of the business method.
If you would like to earn an above average return on your money, with the possibility to
generate real income, you can leverage our activities, as we build our business, for your own
benefit. Focus Liquidity is an exciting new company forging an entirely new industry with a fresh
approach to commercial finance and personal wealth building.
Tell Your Friends
When you have done something fun or discovered some
great new thing the first thing most people do is tell their
friends. We’d like to encourage you to do the same with
your decision to take back control of a part of your
financial affairs.
You can substantially increase your rate of return by telling
friends about how they too can earn the same great rate of
return, and more3, even when they lend only a small
amount to companies that appeal to them.
Once you are registered in the system, besides the already significantly above average base
interest rate you can earn on any funds you lend, you also have the ability to earn a substantial
income in referral fees. Financial professionals, and banks, lawyers, accountants, and other
business people do this every day. You can too!!
2 iPhone is a Trademark of Apple® & Cisco - http://www.apple.com/pr/library/2007/02/21iphone.html
3 All lenders receive the same interest rate for lending to the same business opportunity. Lenders can achieve a greater rate of return through referral
fees that are earned when a 3rd person, referred by them, also decides to lend to the same or another company in the system.
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A Fairer Deal in Finance
When someone you have recommended decides to register and lend money to a company via the
Focus Liquidity system you will earn a referral fee of 0.5% on whatever amount they decide to
lend. That may not sound like much but if you consider that the referral fee will be paid to you
not only for your friends’ transactions, but also for those of any friends of friends, suddenly it
becomes a lot more interesting.
In fact, with the Focus Liquidity method, you will receive a referral fee for transactions of the
friends of friends up to five degrees of separation away. That could literally be hundreds of
people each lending at least $1,000 over which you receive a fee. And unlike the interest on
your own loan which is paid annually, the referral fees are paid to you shortly after each loan
transaction has been completed.
Imagine that three of your friends decide to register and lend $1,000 each. Subsequently three
of their friends do the same and so the process repeats. In Table 1.0 below you can see how this
simple example mushrooms into a very large group of people, and considerable fees paid back to
you, and of course to your friends.
Table 1.0 below shows an overview of what is conservatively achievable with minimum loan
amounts, and how our referral fee system can increase your returns significantly if you you’re
your friends choose to use it.
Table 1.0
Level People Amount Interest/Fee Interest Referral Fee to Interest if
Level 1 per Level deposited
with a bank*
1 1 $1,000 8.0% $80 $35
2 3 $1,000 0.5% $15
3 9 $1,000 0.5% $45
4 27 $1,000 0.5% $135
5 81 $1,000 0.5% $405
6 243 $1,000 0.5% $1,215
Totals 364 $364,000 10.5% $80 $1,815 $35
* Interest rates from banks vary and the amount represented may not be indicative of actual returns.
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A Fairer Deal in Finance
Isn’t This One of Those Pyramid Things?
No. What you are probably thinking of is a system where
people are paid for ‘recruiting’ other people. Usually there
is no actual product or service, or there is a product or
service of only token value. Pyramid selling schemes are a
form of multi-level marketing, banned in most countries,
where participants receive benefits by recruiting other
participants to invest money into the scheme. The money
paid by new recruits enriches those who joined the scheme
earlier and are closer to the top of the pyramid.
With Focus Liquidity no fee is paid for registering in the
system as a lender or borrower. When you lend a company
money, that company pays you a rate of interest over the
amount you personally lend. In addition, you receive a fee
relative to the amount that other people lend if they were
introduced by you or by people you have introduced.
Then Isn’t This an MLM?
Nope. Again not. Multi-Level-Marketing (also known as MLM or network marketing) uses word-of-
mouth marketing to achieve growth. It is quite often confused with the schemes discussed
above, however while pyramid sales make profits from large joining fees from new recruits to
the scheme with generally little or no selling involved, in multi-level marketing you make money
from the sale of products and or services that have an intrinsic value.
Another key element of network marketing is that you are usually only paid a commission if you
meet certain sales criteria each month (usually through a requirement for you to purchase
product yourself every month), and the level of your commission increases as your total monthly
group sales increase.
Although MLM is a legitimate business model sanctioned by the highest courts of many countries,
for example Australia and the United States, and although we borrow some concepts from
network marketing such as word-of-mouth evangelism, Focus Liquidity is not a network
marketing company.
With Focus Liquidity you receive an interest payment from the borrowing company for the
amount you personally lend. They also pay you a fee calculated as a percentage of any amount
other people choose to lend, if those people are introduced by you or by people you have
introduced.
In addition, there is no requirement to build a network organisation, and no requirement to
introduce new people or generate ‘volume’ every month. The referral fee is one-time when a
loan transaction closes, and includes annual loan renewals - provided lenders and borrowers
mutually agree to roll their loans over after the initial term. The interest rate is an annual
payment for as long as the loan exists.
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A Fairer Deal in Finance
More About The Service
The Focus Liquidity web-based system is an online platform that brings lenders and borrowers
together, facilitates transactions, and manages the data for both party independently. Here are
just some of the features and benefits of the system:
• Standardised online and downloadable PDF forms and contracts.
• Access to company records, reports, and other information for due diligence purposes.
• Access to legal and accounting services.
• Online account management for lenders and borrowers.
• Priority notification and access for existing customers to new offerings.
Global Online System - FOLIQ
As already mentioned, Focus is in the process of transforming this method into a scalable online
web-based system called FOLIQ that allows small, medium, and large companies to raise capital.
In providing this service, we are neither a lender, nor a deposit-taker. Through FOLIQ, Focus
facilitates transactions in return for a fee per loan. In addition FOLIQ manages the data flow for
each of the parties.
The system borrows features from existing successful multi-billion dollar industries such as
multi-tier affiliate marketing, network marketing, micro-lending, and peer-to-peer lending
industry.
• The micro-loans industry provides millions of people worldwide with the ability to start
their own small business and improve the quality of their life, injecting life into some
economies and sustaining others.
• Peer-to-peer lending facilitates credit between private individuals.
• Both multi-tier affiliate marketing and network marketing are commonly referred to as
word-of-mouth marketing, and use a system of leverage to create exponential growth
and wealth building capabilities for everyone.
Up Close & Personal
In addition to the online service Focus Liquidity stages events at which borrowers are able to
pitch their proposals in a 5 minute presentation to a group of potential lenders. That includes
you! After the presentation lenders can meet borrowers and their financial and/or legal advisors
to ask questions.
Accountancy firms and legal chambers utilise these events for their clients, sometimes
sponsoring an event to obtain exclusivity for their clients. These firms also have personnel
present to talk with potential lenders in support of their clients’ ventures.
Since these events will soon be staged in cities around the world through Independent Regional
Representatives, Focus Liquidity plans to provide a video link for lenders to participate live. You
will be able to both view the presentations and also interact with the borrowers and their
representatives afterwards, in the same way as if you were physically present.
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A Fairer Deal in Finance
Focus Liquidity’s relationship with financial and legal professionals ensures that a consistent
supply of high quality companies requiring funding is available to the constantly increasing global
lender base.
I Have a Project. How Can I Borrow Money?
Until the web-based system is operational the Focus Liquidity system will be administered for
client companies offline and overseen by our board of professionals, and legal and financial
advisors. If your requirement is at least AUD$500,000 please send us an email to
info@focusliquidity.com with an executive summary and we will be in touch shortly with the
procedures and documentation.
Benefits in a Nutshell
The benefits of the Focus Liquidity system are many. Here are some of them.
• You only need a very small amount to begin.
• Long term income from a good rate of interest on your loan.
• Both fast upfront, and long term, leveraged income from referral fees paid up to five
degrees away.
• You decide where to lend and how much to lend! Not the so-called experts.
• You are the one in control of your financial health and success.
• You lend directly to the borrower without the banks in the way to take what is rightfully
yours.
• Easy access to financial and legal advice from independent professionals.
• Refer an unlimited number of friends, and you will receive the referral fee for all of
them.
Contact Us Today
To earn an above average rate of return on your money and the opportunity for significant
leveraged income using the Focus Liquidity method, contact us by email at
info@focusliquidity.com.
In addition to our investor base, Focus Liquidity itself is open to
receiving offers of loans starting from $1,000 with a maximum of
$500,000 per loan. The funds will further contribute to the
establishment of the online system that will power this new industry
into the future.
With this service Focus Liquidity is breaking ground on an entirely
new industry; an industry that is set to change the face of small
business finance forever. This is your opportunity to be involved.
What drives us is the knowledge that we have played a role in
helping every day people like you, and small to medium business owners to create a better life.
To become involved in Focus Liquidity, email us at info@focusliquidity.com with your contact
details and the amount you are prepared to offer, and we will return the relevant forms to you
for execution.
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The information in this document does not constitute advice, or an offering of any kind.