PROJECT FINANCE: Equityre Financial Services works with companies to facilitate access to fundng, necessary to enhance businesses.

OPIC FINANCING: OPIC is the Overseas Project Investment Corporation Financing provides medium- to long-term funding through direct loans and loan guaranties to eligible investment projects in developing countries and emerging markets.                                                                                       By complementing the private sector, OPIC can provide financing in countries where conventional financial institutions often are reluctant or unable to lend on this need basis.

EXIM BANK FINANCING:

Ex-Im Bank's working capital financing enables U.S. exporters to obtain loans that facilitate the export of goods or services. These working capital loans, made by commercial lenders and backed by our guarantee, provide you with the liquidity to accept new business, grow your international sales and compete more effectively in the international marketplace.

PROJECT LOAN CHECKLIST- Real Estate / Business/Manufacturing/Mining

The following checklist  (as Applicable) is required information needed for the initial evaluation of your loan request. Please provide complete information package, necessary to expedite your application.  

_  Application- Apply online or print a copy of application. Fax to 1-877-205-2619 or Email to babson@Equityrefinancial.com 

_  History of Business and Benefits of Loan

Provide a narrative of the business containing as much information as possible about start up, ownership, nature of the business and its products/services, marketing and customer profile, major past accomplishments, long term goals, etc.  Be sure to explain how the loan for which you are applying will benefit your business.  Pictures, brochures or advertisements, a list of key customers and major competitors are helpful exhibits to attach.  (For a new business, this information should be in the form of a business plan and/or feasibility study.)

_   Business Financial Statements

Provide a complete copy of Balance Sheets and Income Statements, current within 45 days and for the last three fiscal years.  (For a new business, a pro forma balance sheet is required that reflects what you expect the balance sheet position to be on the day the business opens.  It should include proposed equity and capital and anticipated loan proceeds.)

   _ Accounts Receivable and Accounts Payable Aging

Provide aging, as of the current interim financial statement.

_  Schedule of Business Debt

Provide a current business debt schedule as of the current interim financial statement.

_   Business Tax Returns

Provide complete copies with all schedules for the last three fiscal years. 

_   Projected Income Statement

Provide projections by month for a minimum of one year if loan proceeds will be used for expansion or for a new business, if business cycle is seasonal, or if trends are erratic.  Projections must include detailed assumptions.

_   Personal Financial Statement
Provide current statements within 45 days on all owners, partners, officers, directors, guarantors, and stockholders with 20% more stock ownership.  (Additional forms available upon request.)

_  Personal Tax Returns

Provide complete copies with all schedules for the last three years on all owners, partners, officers, directors, guarantors, and stockholders with 20% or more stock ownership.

_   Management Resume

 Provide on all owners, partners, officers, directors, guarantors, and stockholders of record.  (Additional forms available upon request.)

_  Articles of Incorporation/Organization (filed copies), Bylaws (if applicable, amendments), Certificate of  Incorporation/Organization, Assumed Name Certificate, and/or Partnership Agreement

_   Affidavit of Ownership/Authority 

_   Request for Copy or Transcript of Tax Return (IRS Form 4506)

_   Other items may be required, based on the project: 

For Business Real Estate Loans:

_    Purchase Contract/Buy-Sell Agreement

For purchase of owner-occupied real estate, provide a copy of the signed contract and all exhibits/addenda. 

_   New Construction

Provide a copy of the construction contract (“draft” copy of acceptable) and a copy of the plans/specs for the project.  If in the planning stages, provide a copy of the initial projected cost analysis.  Other Construction required items:

     -  Building Plans and Specifications

   -  Detailed construction estimates (Soft and hard Costs)

   -  Site Plan

   -  Soil Report if available.

   -  Summary of Builder’s Construction Experience, Qualifications and Licenses (including trade references). Bank References, List of Recently completed projects.

_    Refinancing

Provide a complete copy of the note(s) and Deed(s) of Trust on the real estate to be refinanced

_   Appraisal

Provide a copy of the most recent real estate appraisal and/or the most recent tax appraisal.

For Business Equipment Loans:

_   Purchase Order or Invoice

Provide a copy of the purchase order or invoice for machinery or other equipment to be purchased.  If the proposed purchase is in the preliminary planning stage, provide a copy of the quote(s).

_   Refinancing

Provide a complete equipment list with serial numbers of all currently owned machinery or other equipment.  In addition, provide a complete copy of the note(s) on machinery or other equipment to be refinanced.

For Business Acquisition Loans:

_    Purchase contract/Buy-Sell Agreement

Provide a copy of the signed contract and all exhibits/addenda.  The contract should provide for the allocation of the purchase price.

_   Business Financial Statement

Provide complete copies of Seller’s Balance Sheets and Income statements, current within 45 days and for the last three fiscal years.

_   Business Tax Returns

Provide complete copies of Seller’s Tax Returns for the last three fiscal years. 

_   Request for Copy or Transcript of Tax Return (US IRS Form 4506)

This form is to be signed by the Seller.

Other:

_    Authorization To Release Information

This form is to be signed by all owners, partners, officers, directors, guarantors, and stockholders of record.

_   Lease(s)

Provide a copy of your existing lease(s) and/or proposed lease(s) as applicable, including all exhibits/addenda. 

    Franchise Agreement and Uniform Franchise Offering Circular

Provide a copy of these documents as provided by the franchisor.

_    Affiliate(s)

Provide complete copies of Business Tax Returns with all schedules for the last three fiscal years and a current financial statement within 45 days on affiliate(s).

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