To Lloyds Funds International A GLOBAL FINANCIAL POWER-HOUSE ASSET BASED FINANCING Difference between traditional Bank Lending and Asset Based Lending

What is the difference between traditional bank lending and asset based lending?

Traditional bank lending

Focuses on a company's cash flow, credit profiles and balance sheet ratios to determine lending criteria and limits.

Generally, facilities are unsecured and extended to companies with a robust earnings history, lower leverage ratios and moderate credit risk.

Lloyds Funds International lends to companies with this type of credit profile world-wide.

Asset based lending

Focuses on companies which may not meet traditional bank lending standards by including the worth of accounts receivable, inventory and other assets in the credit evaluation process. By adding the value of these assets as collateral, many companies find that they are able to qualify for larger facilities than under traditional bank standards.

For companies working their way through a business or economic cycle with the attendant highly leveraged balance sheets and/or an uneven earnings history, it can bridge the time to a stronger future.

Lloyds Funds International Business Credit provides asset based loans throughout the world.

When should an asset based lending solution be considered?

It may be the best financial solution to help your company achieve near term objectives during any of the following: situations:

• Expansion:

  When your company is considering opportunities in new geographic markets or exploring the development of new products and existing working capital is inadequate to fund the expansion.

  

• Acquisition:

  Many companies looking to improve market position require additional working capital to fund an acquisition.

• Downturns:

  Some companies find that a downturn in the business cycle or economy can reduce working capital to an insufficient level.

• Flexibility:

  If your lending requirements fluctuate, you may find that a revolving asset based financial solution limits borrowing costs during periods of reduced working capital requirements.

Asset Based Loan Programs offer asset owners, with Acceptable Assets, click here owned free and clear of any liens or mortgages, the opportunity to obtain a loan against the assets and then to place the loan proceeds into an investment program. The returns from the investment can be used for project financing

Assets that may be placed into an Asset Based Loan Program include gold bullion, platinum, gold dore (semi processed gold), Government debt obligations, financial instruments from top rated banks, blue chip stocks and bonds, gems-stones, valuable real estate properties, oil and gas reserves, coal reserves, timber holdings etc. Asset Based Loan Programs require assets with a value of $10 Million or more.

Once the Asset Based Loan Program has verified the ownership and value of the proposed asset, the asset owner will then permit the Investment Program to hypothecate (pledge property to secure a loan) the asset and establish a line of credit. Once the line of credit is in place, the Investment Manager can then begin to invest and thus earn a profit which is payable to the asset owner, the Investment Manager and the Intermediaries.

For assets that have an immediate resale value such as Treasury Bills or gold, the Trader may be able to obtain a line of credit equal to 98% of the value of the asset. For less marketable assets such as mineral or timber reserves, the hypothecation rate can be up to 90%.

Interest Rates:

Transaction Size $US $5,000,000 - $50,000,000 LIBOR Plus 2% - % 2¼ Negotiable $50,000,000 - $100,000,000 LIBOR Plus 1% - 1½% $100,000,000 And Up LIBOR Plus ¾% - 1% Please click here for the rate over $500,000,000 send to you via e-mail.

Interest Rates?

With more than 25,000 investors/partners, such as world's TOP 100 BANKS click here it's not surprising Lloyd's Funds International has grown into the world's leading lenders for income properties. These relationships, enable Lloyd's Funds International to handle loan requests from US$5,000,000 to US$500 million+ with GUARANTEED LOWEST INTEREST RATES and plenty of options for flexible loan structures. An exposition on the missions and operations of Lloyd's Funds International is beyond the scope of this web-site. However, a discussion of international project financing would not be complete without some mention of the missions of Lloyd's Funds International and its affiliates, together known as the Lloyd's Group

Results!

We trust that we have clarified the intriguing world of Lloyd's Funds International Asset Base Financing Programs. We will be happy to answer any questions you may have, relating to this opportunity and provide you with additional details regarding any of our devoted services. Please click here to inform us the full particulars of your situation and what you wish to accomplish. We will review your situation very carefully and offer to you a custom fitted solution. 95% of the time it will be simple to understand and 100% of the time it will be the least expensive alternative. If you would like to obtain further details surrounding our Asset Based Financing Programs or wish to discuss any matter in complete confidence, please click here to contact: Mr. Richard Stanton MBA Vice President Lloyd's Funds International World-Wide Asset Based Financing Program. Please click here to explain us your needs, and our customer services' highly experienced personnel will be happy to provide you with all the information you might need.

Help Almost Everywhere

Also feel free to contact Lloyd's Funds International if you believe an application for a World-Wide Asset Based Financing Program may be appropriate in your particular situation. Any communication with us is considered PRIVILEGED and CONFIDENTIAL.

Acceptable Assets?