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RESERVE FUND PROGRAM:

Better be know as the old “Sinking Fund Loans” - A sinking fund is an account containing money set aside to pay off a debt or bond. Sinking funds may help pay off the debt at maturity or assist in buying back bonds on the open market. Callable bonds with sinking funds may be called back early removing future interest payments from the investor.

• No requirement for appraisals, please refer to below on the program description on the collateral structure.
• 100% financing (less the deposit).
• No Equity required.
• Swift and straightforward process.
• Feasible and viable terms.
• The structure is over 60 years old.
• General terms below:

With respect to the Reserve Fund, I will explain the program below in form of an example:

Assuming a client requires a $100M loan, we would provide the client with a $200M loan.

The client would then immediately receive the $100M loan, providing 100% project financing, while the other $100M would be placed with an International Bank (Top 25) for ten (10) years.

During the ten (10) year term - due to compounded Interest - the $100M will grow to $200M and will be used for 100% repayment of the $200M (Gross) loan amount; this is guaranteed by the Deposit Holding Bank in form of a Bank Guarantee or Certificate of Deposit which will stipulate the value at maturity ($200M).

The client is not required to provide us with an Equity position within his/her Company, and we do not require any securities for the Loan Amount as the Reserve Fund Deposit ($100M) provides us with 100% security.

The client is however required to execute a deposit into our Third-Party Escrow Account (100% independent), and to cover an Interest on the Net Loan Amount for the term (10 years).

If so needed, a 12 - 24-month Grace Period can be considered.

In order for us to establish the Reserve Fund, we are required to block the Total Loan Amount in favor of the client, and simultaneously cover all administrative, bank & legal fees, hence the requirement of a deposit.

Also, this deposit is additionally to secure unreasonable behavior of the borrower for the case when they apply for a loan and then, at the time when the loan is approved by board (and, what is more important, all documentation is in place, all administrative, bank and legal fees are paid), borrower suddenly refuses to draw the loan.

It is important to note that the Escrow Agent cannot release the Escrow Funds until the loan has been withdrawn. Should we fail to perform (which has never happened), the Escrow Agent would automatically return the deposit.

It is also very important to note that we handle all the details and use our own funds to finance the projects; therefore, after our Board has approved any Project; the funding is in fact guaranteed.

The Reserve Fund Program is a popular, fast, safe, and secured Interest Only Funding Program used to fund large projects as a "Low Risk" funding program for both the Lender and the Borrower.

The Reserve Fund Program provides 100% funding to several types of feasible and viable projects worldwide.

(Note that reserve fund structure has been available for over 60 years, we have used it over 20 years, till today, it is being taught in Major Universities, and is used by selected Private and Government Sector entities. Top US Bank offers reserve fund for their Top Clients; however, they need to execute major down payment to proceed).

Benefits of Reserve Fund Program:

– 100% Funding is Provided.

– Effective Interest Rate is 4.5%, fixed during the term of the loan.

– Loan Amount is Paid as One Time Payment.

– Loan Term is 10 Years Fixed.

– Grace Period is 12 to 36 Months.

– Owner Retains 100% Ownership & Control.

– Owner Equity is Not Required.

– Owner Collateral is Not Required.

– Owner Security is Not Required. Owner Guarantee is Not Required – World"s Top 25 Banks Used


Above program would offer 100% financing and can be implemented swiftly.

Please review above and do let me know should you require additional details/clarifications.


BELOW PLEASE FIND AN EXAMPLE ON A LOAN UNDER THE RESERVE FUND STRUCTURE:

Gross Loan: USD 200,000,000.00.

Net Loan: USD 100,000,000.00.

Term: Ten (10) years and one (1) day.

Interest: 2.25%, fixed for the term, due on
the Gross Loan (referred only due to accounting / recording purposes).

Effective Rate: 4.5%, per annum, due on the Net
Loan (this is the only amount due).

Payments: Interest only, annually in arrears.

Repayment: At term end, guaranteed by the
reserve fund deposit.

Grace Period: 24-36 months, initialed upon
disbursement of the Net Loan,
first Interest Payment due at 36-month
anniversary of the Loan.

Deposit Payment: Escrow Agent.

Deposit Amount: Percentage of the Net Loan – here: 1.00%-2.5% of the net loan -
(Mr. R. Koch – 02/13/2024).

Deposit Payment: Per Escrow Agreement

Type of the offering: Reserve Fund Program

Closing date: Within 30 days

Beneficiary: "Client Name"



Reserve Fund / Sinking Fund Bond Financing Programs:

Investors have been attracted to sinking funds to raise capital, increase cash flow and reduce financing costs. The article will present an overview of the sinking fund including the characteristics of a bond sinking fund and the general provisions of a sinking fund. The article will also present a discussion of the benefits and drawbacks associated with investing in a sinking fund.

The Sinking Fund Structured Debt Program is a popular, fast, safe and secured Interest Only funding Program used to fund large projects as a “Low Risk” funding program for both the Lender and the Borrower. The Sinking Fund Program provides 100% funding to several types of feasible and viable projects worldwide.

Overview:
A sinking fund is a fund in which a firm makes consistent payments to ensure that there will be sufficient funds to repay the bondholders when the bond matures. This type of debt fund is used to secure specific assets in companies to redeem the bond at maturity.[1] Many bonds with sinking fund clauses indicated in their indenture obligate the issuer to make scheduled payments into a fund or buy back a certain percentage of the bond issue during each specific period.

Characteristics:
• Specific sinking fund – Sinking funds established for a specific issue.
• Aggregate sinking fund – Sinking funds established for a range of bonds.
• The structure of a sinking fund enables an issuer to execute a series of limited calls prior to maturity.
• Bonds trading at a discount are repurchased by the company in the market.
• Bonds are repurchased at par when bonds trade above the face value.
• Payments are typically made to a sinking fund trustee or trust company.
• Failure to make sinking fund payments entitles the bondholder with similar legal rights as interest payment
defaults.

Sinking Fund Provision:

Bond indentures can include a sinking fund provision that requires the company to retire a specific amount of the bond issue each year or set-aside a certain portion of the initial funding in a special sinking fund account.
Although, sinking fund provisions require yearly payments from the bond issue, the provisions of sinking funds can vary.[3] For example, a bond with 15 years maturity could have a provision to annually retire ten percent of the bond issue or the requirement in the provision could be to retire ten percent of the bond issue at the beginning of the fifth year until maturity. The remaining amount is known as the balloon maturity.

Benefits:
Bondholders benefit from a sinking fund provision. Retiring a certain amount of the bond issue on an annual basis can reduce the payments made at the maturity of the bond.
Reduces the risk of default to the investor since the maturity is shortened.
Reduces credit risk since the fund is an implication to investors that provision to repay the debt has been secured.2 Investors perceive companies as favorable and credible when they reserve cash for potential liabilities associated with company assets.
The scheduled payments help the issuer distribute the costs to redeem the bond over the life of the bond.[4]
Companies have flexibility to manage their outstanding debt. For example, companies can gain when interest rates fall and can redeem the fund to reissue new bonds at lower interest rates. Ultimately, companies capitalize on low interest rate environments to reduce their financing costs and increase their cash flow.

Disadvantages:
The transference of cash to the sinking fund can limit the cash flow of the company. The company many not have sufficient funds to pay dividends to stockholders.
Interest rate decrease negatively impacts investors since they may receive a sinking-fund call at a price that is below par and lower than current bond prices.
Purchasing bonds at a premium to face value may affect investors when the sinking fund is called.
Sinking funds have the potential to depreciate. Companies that invest in sinking funds place sinking funds at risk since they can underperform in a slow economy. [5]
Conclusion
Sinking fund assets have supported investors to reduce their cost of capital, minimize financing costs and increase cash flows. A sinking fund provides bondholders with an assurance that they will receive payments on the bond issue. Investors benefit from sinking funds since it reduces both credit and default risk, although, in low interest rate environments the call feature of the sinking fund places investors at a disadvantage. Nevertheless, issuers of sinking fund bonds can capitalize on low interest rate environments to call the bonds and reissue new bonds to reduce financing costs.

Nate Nead:
Nate Nead is a licensed investment banker and Principal at Deal Capital Partners, LLC, a middle-marketing M&A and capital advisory firm. Nate works with corporate clients looking to acquire, sell, divest or raise growth capital from qualified buyers and institutional investors.
He holds Series 79, 82 & 63 FINRA licenses and has facilitated numerous successful engagements across various verticals. Four Points Capital Partners, LLC a member of FINRA and SIPC. Nate resides in Seattle, Washington. Check the background of this Broker-Dealer and its registered investment professionals on FINRA"s BrokerCheck.

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