Commercial Real Estate Overview
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Morgan Stanley's Commercial Real Estate Lending Group originates commercial real estate loans between $5 million and $1 billion across several major US cities. Over the past 20 years, the group has originated over $150 billion in commercial real estate loans. The loans are subject to Morgan Stanley Bank's underwriting standards and approval processes.
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Surety Bond Premium Financing
Premium financing allows bond purchasers to take out loans to cover the costs of surety bonds. It involves an agreement between the bond purchaser, the insurance company issuing the bond, and a finance company providing the loan. The finance company typically requires a 25% down payment plus the first two months of payments up front, then finances the remaining balance at 10-15% APR to be paid back over the term of the bond, usually about a year. Premium financing is only available for cancelable bonds that do not pose a risk of default.
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The cost of a surety bond depends on several factors, including the type of bond needed, the experience level and credit history of the applicant. Common commercial surety bonds for occupations like contractors and insurance brokers typically cost between 1-15% of the bond amount, or $500-$7,500 for a $50,000 bond. To qualify for the lower "standard" premiums, applicants generally need over a year of experience in their industry, a credit score over 650, and no prior bond claims. Those who don't meet these qualifications may still obtain a "non-standard" or "high risk" bond. Speaking to a bonding agency can help clarify pricing based on an applicant's specific situation.
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State of the Surety Industry
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WE OFFER FRESH CUT BANK INSTRUMENT FOR LEASE
We have direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams, Bridges, Real Estate and all kind of projects.
Sekaran Chelliah
For further inquiries:
Email:~ bglease.sekaran@gmail.com
Skype ID: bglease.sekaran
GENUINE PROVIDER FOR BG SBLC LC DLC FOR LEASE AND SALES
We are specialist in providing Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799, MT199, MT999 and other messages on behalf of our clients.
Email: bglease.sekaran@gmail.com
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This document provides information about leasing or purchasing bank guarantees and standby letters of credit from Glauben Impex to fund businesses. They work directly with top 25 global banks to source these instruments for clients. Rates are 6% plus 2% commission for a lease or 36% plus 2% commission for a purchase. The client must show the required funds (6% or 36% of the value) in their bank and pay the 2% commission to intermediaries if a deal is completed. Contact details are provided for inquiries.
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Premium financing allows bond purchasers to take out loans to cover the costs of surety bonds. It involves an agreement between the bond purchaser, the insurance company issuing the bond, and a finance company providing the loan. The finance company typically requires a 25% down payment plus the first two months of payments up front, then finances the remaining balance at 10-15% APR to be paid back over the term of the bond, usually about a year. Premium financing is only available for cancelable bonds that do not pose a risk of default.
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The cost of a surety bond depends on several factors, including the type of bond needed, the experience level and credit history of the applicant. Common commercial surety bonds for occupations like contractors and insurance brokers typically cost between 1-15% of the bond amount, or $500-$7,500 for a $50,000 bond. To qualify for the lower "standard" premiums, applicants generally need over a year of experience in their industry, a credit score over 650, and no prior bond claims. Those who don't meet these qualifications may still obtain a "non-standard" or "high risk" bond. Speaking to a bonding agency can help clarify pricing based on an applicant's specific situation.
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The document discusses options for getting approved for a surety bond if an applicant is facing difficulties due to tightened underwriting standards or reduced credit scores. It recommends broadening the search for an agent who can write "sub-standard business" by placing higher premiums or requiring additional collateral like a letter of credit, cash collateral, or personal promissory note. Using these sub-standard options through a larger agency that has relationships with more providers may allow an applicant to obtain the necessary bond.
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WE OFFER FRESH CUT BANK INSTRUMENT FOR LEASE
We have direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams, Bridges, Real Estate and all kind of projects.
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For further inquiries:
Email:~ bglease.sekaran@gmail.com
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GENUINE PROVIDER FOR BG SBLC LC DLC FOR LEASE AND SALES
We are specialist in providing Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799, MT199, MT999 and other messages on behalf of our clients.
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We are exclusive agent to direct providers of Fresh Cut BG, SBLC, MTN Bonds, Bank draft and Loans which we have specifically for lease. We do not have any broker chain in this offer or get involved in Chauffer driven offers. We deliver with time and precision as set forth in the agreement. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc.
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1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD) .
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 3% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
The Leased Instruments includes: BG’ s, Insurance Guarantees, MTN, ( SBLC) Standby Letters of Credit and Third Party Guarantees such as a standby forward commitment to purchase or a standby loan. If you are a potential Investor or Principle looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with all the details regarding this services.
Our BG/ SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding.
BROKERS ARE WELCOME & 100% PROTECTED!!!
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Regards
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Email: info.frjames1971@gmail.com
Skype: info.frjames1971@gmail.com
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We are exclusive agent to direct providers of Fresh Cut BG, SBLC, MTN Bonds, Bank draft and Loans which we have specifically for lease. We do not have any broker chain in this offer or get involved in Chauffer driven offers. We deliver with time and precision as set forth in the agreement. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc.
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1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD) .
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 3% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
The Leased Instruments includes: BG’ s, Insurance Guarantees, MTN, ( SBLC) Standby Letters of Credit and Third Party Guarantees such as a standby forward commitment to purchase or a standby loan. If you are a potential Investor or Principle looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with all the details regarding this services.
Our BG/ SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding.
BROKERS ARE WELCOME & 100% PROTECTED!!!
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.
Regards
Philip James
Email: info.frjames1971@gmail.com
Skype: info.frjames1971@gmail.com
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Jimmy Vercellino is one of the nation’s top VA Home Loan mortgage originators. A Marine veteran, he and his team work hard to help veterans take advantage of their VA loan benefit and become homeowners. From start to finish, they guide their clients through the process and make it as smooth and stress-free as possible. Visit the site at https://www.valoansforvets.com
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The HomeReady mortgage program provides expanded eligibility for low-to-moderate income borrowers to finance homes in designated communities. It features no first-time homebuyer requirement, lower MI costs, gifts and cash allowed for down payment, and conventional loan limits up to 97% LTV for single-family homes. The program permits non-traditional credit, community seconds, and border income from accessory units of up to 30% of qualifying income.
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- 1. Please contact your Private Banker for more information. • Morgan Stanley’s Commercial Real Estate (CRE) Lending Group originates loans ranging from $5MM to $1Bn+ • Morgan Stanley has offices relating to CRE origination in New York, Los Angeles, Dallas, Florida and Washington D.C. • Morgan Stanley’s CRE Lending Group originates both fixed- and floating-ratecommercialrealestateloans.MorganStanley’sinter- est in the loans may in the future be transferred to a securitization vehicle or otherwise sold, or at Morgan Stanley’s election be held for investment • Since 1997, Morgan Stanley CRE Lending (Americas) has origi- nated ~$150Bn of commercial real estate loans – Property types: Generally high-quality, stabilized property types including Office, Retail, Industrial, Multifamily, Hospitality, Self-Storage and Mobile Home Parks – Term: 5-year, 7-year and 10-year (longer terms available under certain circumstances) – Amortization: 25-30 years – Maximum LTV: 75% (approximately 70% LTV for highly rated hotels) • In 2013, Morgan Stanley closed 215 loans totaling approximately $7.6Bn: ~$6.05Bn fixed rate, ~$1.51Bn floating rate • In2014,MorganStanleyclosed219loanstotalingapproximately $11.9Bn: ~$7.2Bn fixed rate, ~$4.7Bn floating rate • Morgan Stanley is a leader in bringing new products to, and responding to changes in, the US commercial real estate lend- ing markets: – Reputation for high-quality transactions with top-tier sponsors on a repeat basis – Experience in all CRE asset types – Core senior management team has been together at Morgan Stanley for over 12 years – Offers speed and quality of execution for complex CRE transactions • With a 20+ year track record at Morgan Stanley, the CRE Lend- ing Group is a premier commercial mortgage origination and debt trading franchise • Commercial real estate loans are subject to the underwriting standards and independent approval of Morgan Stanley Bank, National Association by the Commercial Real Estate Lending Group Credit Committee. Commercial real estate loans may not be available in all locations. Rates, terms and conditions are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend © 2015 Morgan Stanley Smith Barney LLC. Member SIPC. CRC1030875 12/14 CS 8080005 01/15 Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment services are offered through Morgan Stanley Smith Barney LLC. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley Smith Barney LLC are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, a bank and involve investment risks, includ- ing possible loss of principal amount invested. Commercial Real Estate Lending Group Overview