Commercial Equity Partners Ltd believes that in both prosperous and tumultuous economic times, small investors deserve to find investment options that offer superior rates of return and provide stability during unpredictable times. Since 2006, we at CEP have been maximizing investment leverage, thus producing high-yielding returns for our clients.

1. Commercial Equity Partners
Investment Opportunity
in Debt Investment
and Current Rates
1000 N West Street
12th Floor
Wilmington DE 19801
United States
410.630.1228

2. Opportunity Overview
Commercial Equity Partners, Ltd was established to
assist current and potential investors in the United
States, Europe and other parts of the world who are in
search of an alternative to the typical low rates
offered by most domestic banks.
We offer myriad investment options from certificate of
deposits backed by commercial real estate mortgage
notes and commercial property tax liens, to long-term
investments in multi-family properties purchased at a
discount.
Because our clients have distinct investment
preferences, we offer several distinguishing options for
individuals looking to invest in high-yield investments.
CEP takes pride in helping clients maximize their
investment leverage, ultimately leading to returns
including tax strategies.

3. Short to Medium Term Investments
Our investments have typical maturities ranging from 1
to 10 years. And unlike the vacillating stock market,
our investments remain steady and reliable, paying or
earning you a monthly interest income.
Risk Reduction Through Portfolio Diversification
Because our investments are not correlated to these
often erratic movements in the stock market, they
offer a fine option for diversification in your
investment portfolio.* Most investment professionals
recommend that a portfolio have proper asset
allocation: equity investments (stocks, stock mutual
funds), income investments (CD's, bonds, real estate
contracts) and cash. Our investments are a good option
for the income component of your portfolio without the
sacrifice of returns associated with bonds and CD's.

4. What is the CEP Debt Investment?
Lending is one of most long-standing enterprises in the
world, and banks practice it daily in the form of
Mortgage Notes for Real Estate. Banks pays depositors
2% to 4% on their money, then loan that money out to
borrower at a rate of 7% to 10% earning you, the
investor, a nice profit margin.
With our Commercial Mortgage Note DPIs, we take the
investor's funds and invest them into secured
commercial real-estate bridge loans across the United
States. CEP is unique in that we earn our money from
loan fees versus interest spread, offering you a higher
rate of return secured by commercial real estate.
With our Tax Lien Debt Investments, we purchase tax
liens from around the country on commercial and
residential property, and hold these liens until we are
paid by the property owner, a buyer of the property,
the mortgage holder or, in 2.7% of the cases, we
foreclose on the property to recoup our money and earn
a windfall profit.

5. Today, particularly in this inconstant economy, individual
investors are looking for opportunities to earn more
monthly income while maintaining a secure and
diversified portfolio. Our Debt Investment option will
balance your portfolio by providing a secure fixed-income
investment. Fixed Income Investments pay interest at
specified times in a fixed amount and, when
professionally underwritten and managed, have become a
strong investment alternative for the income-producing
portion of an investment portfolio.
Additional Benefits of our Debt Investments:
• No Load Investment - there are no fees for investing
• High Fixed Yield - generally higher than most banks rates
• Security - Our Trust Deeds are backed by Commercial
Real Estate, and have lucrative Equity in either the
property or tax liens issued by the local government.
• Stability - interest stays constant throughout the term of
the loan
• Fixed Principle - Principal value of investment does not
vary unlike stocks and bonds.

6. Traditional Debt Investment
This is an excellent opportunity for the investor in search of
an alternative to the low rates offered by most domestic
banks. These investments offer a fixed rate of return, steer
clear of market fluctuations and provide flexibility to those
that require liquid investments.
Commercial Equity Partners offers Traditional Debt
Investments. You can open an account with as little as
$1,000.00 and add additional funds at any time. You also
have the freedom to withdrawal your money at any time
with no penalty (Seven days written notice required.
Maximum Investment Amount $25,000 in this account).
Please note that the fixed interest rates for all debt
investments listed here are compounded monthly, unless
you choose monthly payments.
Term Minimum Fixed Interest
Investment APR Rate
12 Months $ 1,000.00 7.750%
18 Months $ 1,000.00 8.250%
24 Months $ 1,000.00 8.750%

7. Premium Debt Investment
For the investor who is looking for an alternative to the low
rates offered by most domestic banks, a fixed rate of
return to avoid market fluctuations, and is willing to
relinquish the option to redeem their investment with 45
days notice in exchange for a higher yield, Commercial
Equity Partners offers Premium Debt Investment.
These DI's are ideal for investors that want a predictable
monthly income, or desire to reinvest the interest,
compounding it monthly for a higher APY. You have the
option of Monthly, Quarterly, or Annual payments of
interest, or, compounding for the whole term. (Note: Early
Withdrawal Penalty is equal to two months interest)
Term Minimum Investment Fixed Rate
18 Month DPI $2,500 9.850%
$15,000 10.150%
$30,000 10.750%
$50,000 11.250%
60 Month DPI $2,500 10.895%
$15,000 11.250%
$30,000 12.250%
$50,000 12.900%

8. Platinum Debt Investment
If you do not require monthly income and would like to be
part of a unique investment strategy, this is a fantastic
opportunity. The Platinum Debt Investment plans is ideal
for those investors that want to include this product into
their retirement account portfolio through a Self Direct IRA
or 401k.
Your investment flexibility equals profit! We offer a fixed
rate of return, plus a share in any windfall profits from the
purchase of property tax liens and tax deeds. In exchange,
you agree to a one year lock-out on an early withdrawal,
and earned interest paid out on an annual basis or at the
end of the full term. Tax Liens and Tax Deeds are a great
way to hedge against the fluctuations of the stock market.
The collateral we purchase has, at a minimum, a 30 to 1
value over the cost of our investment (on average), the
principal value never decreases, and you have a fixed rate
of return and an opportunity to share in the windfall
profits. (Note: Early Withdrawal Penalty is Equal to Three
Months Interest)
The returns from these DI's are compounded monthly for
even higher rates of APY. In addition, these DI's share in the
profits of any properties we foreclose on. All investors in
this program share in 45% of the profits when we have to
foreclose on any particular property.

9. Platinum Debt Investment Rates
Depending on the location, we foreclose on 3%
to 5% of the liens we own. When ever there is a
windfall profit from a foreclosure, all non-
retirement accounts will be eligible for an
immediate payout. (Ask an Account Manager for
complete details.)
Term Minimum
Investment Fixed Rate
30 Month DPI $ 5,000 10.850%
$25,000 11.150%
$50,000 11.750%
$100,000 12.750%
60 Month DPI $ 5,000 12.100%
$25,000 12.450%
$50,000 12.950%
$100,000 13.950%

10. FAQ
What are your current rates?
Current rates are from 7.750% to 13.950%.
How are you paid?
You may be paid monthly, quarterly, semi-annually or
annually. You can also choose to have your investment
returned if you want to reinvest into the pool, and
ultimately grow that investment. You can be paid by
direct deposit or check.
How is your investment secured?
Commercial Equity Partners operates in a quot;nichequot;
lending industry— lending money from private investors
to Real Estate professionals seeking loans for
Acquisition and Cash Out Refinance of multi-family,
mixed-use, retail, light industrial, mini-warehouse and
office condos. All loans are secured by First Position
Mortgages (we never exceed 70% LTV, average is 65%
LTV) and offered to investors who seek a secured
investment that pays more than double most bank
rates.

11. FAQ
When we offer a loan, we require that 6 to 12
months of interested reserves be set aside in our
escrow account to ensure the borrower makes
their initial payments. This creates a very small
risk factor as the goal of the borrower is to sell
or refinance their property in this time period.
All of our tax liens are secured by real property.
Every property has an assessed value determined
by a local government at 10 to 100 times the
amount of the lien. Our liens are backed by the
full faith of the local government and state laws
that insure the tax lien certificates.
Are your Certificate of Deposits FDIC Insured?
No, as we are not a bank but a private lending
and investment group.
Do you have a lending website?
www.cepfunding.com

12. FAQ
How can I feel assured that your company is
legitimate?
Since we are a privately held company this is certainly
a valid question. In order to make potential clients
comfortable with placing their hard earn funds with our
firm, there are several steps we have taken to help you
feel assured we are an authentic company, with valid
employees.
First, we have registered for a DUNS number. This is a
worldwide organization that rates companies and
verifies information about that company. Our DUNS
number is 827637575.
We have also undergone the verification of SiteSafe
through Network Solutions. This official process is to
verify we are a real company and not just a virtual
company. In order to qualify, we had to supply bank
statements, leases, phone bills and many other items.
To learn more about both of these validation
companies, please go to our About Us page on our
website and click on their logos.
We are a member of the Delaware State Chamber of
Commerce, allowing us to be more involved in our local
business community.
We are an Accredited member of the Better Business
Bureau.

13. Disclosure
Disclosure:
You can invest your funds in Commercial Equity
Partners in the six following currencies: US Dollar, Euro,
Swiss Franc, Canadian Dollar, Japanese Yen, and British
Sterling.
Disclaimer: The information on this website is only
intended to provide general information about
Commercial Equity Partners LTD and the business it
conducts. Nothing contained in this website is, nor
should be considered to be, an offer to sell, or a
solicitation of an offer to buy, securities.
These investment products are not FDIC insured Our
Debt Purchase Investments are not rated or insured
against loss and may be subject to substantial risks that
are further described in the Prospectus Summary. Past
performance is not a guarantee of future results.
Investors are urged to read the Prospectus Summary
prior to investing.