This document outlines 6 new funding options from 2ndHomesFinance.com, including equity funds, joint venture funds, loan funds, and options using bank guarantees. The equity fund provides up to 100% financing with no interest required in exchange for equity in the applicant's project. The joint venture fund also provides up to 85% financing and requires the lender take an equity position of up to 50% in the project. A loan fund option provides up to 100% financing at interest rates from 2-4.5% depending on the applicant's equity contribution. A convertible soft loan offers near-zero interest financing using monetary collateral equal to the project costs. Global project funding of up to 100% of costs is also

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6 NEW FUNDING OPTIONS SEPT. 2011
1. EQUITY FUND 2. JOINT VENTURE FUND 3. LOAN FUND 4. CONVERTIBLE SOFT LOAN
ONVERTIBLE
5. FUNDING WITH BG 6. GLOBAL FUNDING OFFER
1. Facility ECF1 - Equity Capital Fund
Project Type: It is designed for construction projects.
esigned
Security: First charge over the Project plus an equity share (see below).
Cash Deposit
20% of the loan sum must be deposited with the Lender for the terms of the loan, in the Escrow
account of an Austrian Lawyer Office or deposited in the bank of the Lender against a bank
guarantee or a Standby Letter of Credit for the term of the loan, repayable upon repayment of the
ble
loan. In case of guarantee / SLC it has to be returned to the Lender after the first loan pay out.
returned
Currency: Euros
Term: It can be up to 15 years.
Rate: Zero interest as the Lender will hold equity in the Applicant's project.
Loan to Value Ratio: Up to 100% of cost/value
Equity Requirements:
Between 29% to 49% and lower in the event the Applicant has existing equity in their Project.
Closing Time:
It is counted from the date of the deposit and currently 30 to 45 days from completion of all due
rom currently
diligence documentation.
2. Program JVF1 - Joint Venture Fund
Project Type: For all forms of development including infrastructure projects
ll
Security: First charge over the Project plus an equity position
Loan to Value Ratio
85% of cost - Applicant must have a minimum of 20% (Deposit) in the form of cash that should be
deposited in the Escrow account of an Austrian Lawyer Office or deposited in the bank of the
Lender against a bank guarantee or a Standby Letter of Credit. In case of guarantee / SLC it has to
.
be returned to the Lender after the first loan pay out.
Currency: Euros
Term: Negotiable
Interest Rate: Zero
Equity Requirement: Lender will require holding an equity position in the Project of up to 50%.
Closing Time:
It is counted from the date of the deposit and currently 30 to 45 days from completion of all due
rom
diligence documentation.
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3. Program LF1 - Loan Fund
Project Type: It is suitable for completed and to be built projects.
e
Security: First charge over the Project.
Cash Deposit
20% of the loan sum must be deposited in the Escrow account of an Austrian Lawyer Office or
deposited in the bank of the Lender against a bank guarantee or a Standby Letter of Credit for the
first year of the loan at which point it will be deducted from the principal leaving 85% owing.
Currency: Euros
Term: It can be up to 15 years.
Rate: Currently 4% to 4.5% fixed for the term.
Loan to Value Ratio: Up to 100% of cost
Equity Requirement
Lender will take a 51% equity position during the term of the loan which is returned to the Borrower
upon loan repayment. Lender does not require sharing project income. Therefore the Borrower has
effectively raised 100% of the project cost without having to share equity.
Closing Time
It will be counted from the date of the deposit and currently 30 to 45 days from completion of all
rom deposit
due diligence documentation.
INTEREST RATE VARIATIONS:
4% to 4.5%: in case of 15% Own Capital
3% to 3.5%: in case of 20% Own Capital
2% to 2.5%: in case of 25% Own Capital
LOAN AMOUNT:
Minimum 25 million Euros
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4. CONVERTIBLE SOFT LOAN - project financing
Intention and intended clients
Projects can be financed through a convertible soft loan at almost zero interest provided that
monetary collateral appraised equal to project funding needs, is available for a period of one
year. This structure is suitable for governmental project organizations, property developers, medium
to large corporations wishing to expand.
Type of projects
Property development for (social)residential, commercial and recreational purposes.
Infrastructural projects, industrial projects.
Type of required collateral
Cash deposit, banking financial instruments including Bank Guarantees, MTN’s, Certificate of
Deposit, Governmental (sovereign) guarantees, other banking custodian guarantees.
Face Value of collateral should be equal or higher than € 50 Million.
Utilization of collateral
Collateral issued in the name of beneficial/project initiator.
Collateral will be blocked for a period of one year only. The provided collateral is at no risk.
Disbursement of project finance
Release of first funds occurs according to agreed project fund cash flow schedule and within 1
month after commencement of contract.
Finance structure
Through convertible subordinated soft loan agreement with very low to zero interest in combination
with equity participation in project joint venture with agreed exit after project value increase.
Procedure
1. Mutual agreements of intention;
2. Project(s) overview with financial forecast required;
3. Overview and validity check of collateral to utilize/proof of funds;
4. Agreement on project JV structure and disbursement of funds.
Timelines
Procedure estimated on 3-6 weeks. First funds available within 4 weeks after agreement.
Example (in euro’s)
Project Total expenditure cash out 50 million
Period of expenditure 12 months
Face Value of Guarantee provided collateral 75 Million per 12 months (1) by Project initiator
Investor finances through project JV per year 50-75 Million per 12 months (2) (3)
(1) Collateral remains blocked for period of 12 months
(2) Finance through subordinated convertible loan
(3) Percentage of funding depending on credit rating of collateral (issuer)
Total financed through 1 year finance 50 - 75 Million
Total guaranty required for period 75 Million
Period duration 12 months
Subordinated convertible loan provided until project ending with profit share through project exit or
sooner exit as agreed. When agreed loan does not need to be paid back but provider will be
granted an exit.
Based on above calculations different scenarios are possible e.g. to increase collateral amount to
fund other projects etc.
Lender procedures are not negotiable. We appreciate enquiries in strict conformity with these
possibilities and procedures, and handle in strict confidentiality. Don’t ask for a conference call with
the lender prior to any documents have been completed and exchanged and results from funds
have been expressed.
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5. FUNDING WITH BANK INSTRUMENT
To lease an instrument with and without project funding included. Please follow the following
instructions.
We need:
• CIS
• Passport
• Project presentation [i.e. Business Plan and/or Executive Summary]
• Proof of Funds for 2M or more in the form of a unsanitized Tear Sheet or Bank Statement.
1. We will review project and approve the project as a whole and the associate payout schedule
(proforma)
2. Once we approve we will send out a contract. Upon execution of the contract we will be happy
to show proof of capability and evidence of historical transactions.
3. Client will then wire funds that will be utilized (not escrowed) for the banking fees associated with
banki
cutting the asset which could be a BG, SBLC or Cash Account. A table top closing option is
welcomed. Client can close in our providers office in Orlando, FL.
4. Within 5 days or less we will show evidence of the asset and then begin to make the instrument
perform to fund the project at 100% Loan to Cost.
We will consider deferring the balance but you need to present a strong position as to how the
balance is going to be paid in the agreed timeframe. If the client fails to send a wir by FED cutoff
wire
2PM EST on the due date. We will immediately collapse on the asset and your bank fees of 2M will
not be refunded as indicated in the contract.
6. GLOBAL PROJECT FUNDING
If someone wants to fund a project. We can utilize our assets for monetization to funds requests up
to 100% of the costs requested. Using an asset of 100M can successfully fund a project up to 1.5
Billion.
We use the same procedures as leasing an instrument but the balance owed on the lease fee of
will be paid out on the 1st tranche that has been preapproved for the funding.
Total fee is 12%. [Not including a broker referral fee at 1%] 2 Million deposit which is utilized from the
client and the balance paid by the monetization.
On 1st tranche we will pay ourselves the difference of the leasing fee of 10% and then wire out 1st
che
round of funding.
Site visits will probably happen regularly between tranches. We may want a JV or some sort of
participation of the project which will be determined after underwriting and reviewing a complete
file submission.
If you don't have the 2M to invest there is no other option available as we securitized our loans.
Minimum request accepted is 10M with no max request
inimum
Please Read Carefully:
THERE are no guarantees made or implied to funding
dates. Only upon proper application, approval and
issuance of contract from provider/escrow attorney can
an approximate funding date be determined.
Choices and options enough to let 2ndHomes Financial
Services guide you through your best financial solutions!
Feel free to con
contact us if you need any further information.
nformation.
2ndHomes Int.: Award Winner for Best Financial Services 2010!
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