PRODUCTS

Construction Loan
JV Investments
Bridge Loan
Mezzanine Loans
International Loans
Equity Loans

Acquisition & Construction

LOAN AMOUNT: $5,000,000 and up.

BORROWER: Owner/ developer with track record.

LOAN TERM: 1 to 3 years, interest only.

PREPAYMENTS: Loans may be prepaid at
any time, after a lockout period, with no prepayment penalties.

INTEREST RATE: 10% TO 12%

COLLATERAL: First-mortgage on land and existing structures. Borrowers must personally guarantee all notes.
On larger loans completion/construction bond by G.C. and/or Letter of Credit from investment grade institution.

L-T-V RATIO: Up to 50% of the As-Is Value by independent third party MAI appraisal, up to 70% of approved
infrastructure development costs, and up to 80% of approved vertical development costs.

USE OF LOAN: Proceeds may be used for construction costs, real estate acquisition, and related costs.

PROCESSING: Completed loan application, title report, appraisal, project overview, proposed building plans,
cost projection for disbursement schedule, proof of funds for purchase of land, two years personal and
corporate tax returns. Approvals within 24 hours, commitments within 48 hours.

EXIT FEE: In lieu of equity, there may be a fee of between 1% and 5% of the loan amount.

COMMITMENT FEE: Typically between 1% and 3% of Loan Amount.

SUBMISSIONS: Borrower’s financial statements and tax returns for 2 years • Brief property description •
Sources and use of proceeds statements • Appraisal, if available.

1 As-Is Value defined as a cash sale within a 180-day marketing period.

Bridge Loans    
Acquisition, Construction, Restructuring and Refinancing

LOAN AMOUNT: $3,000,000 and up.

BORROWER: Management and/or ownership should be experienced. Past or present credit problems, including
Chapter 11 or Chapter 7 bankruptcies are workable.

LOAN TERM : 1 to 5 years, interest only.

PREPAYMENTS: Loans may be prepaid at any time after the first anniversary of the loan with no prepayment
penalties.

INTEREST RATE: 8% TO 12%

COLLATERAL: First mortgage on land, office, multifamily, recreational, medical, warehousing, manufacturing,
self-storage, hospitality (hotel/motels) or industrial properties, etc. -– non-income or income-producing, located
anywhere in the USA and select countries around the world.

L-T-V RATIO: 40% to 75% of As-Is Value by independent third party MAI appraisal.1

USE OF LOAN: Proceeds may be used for land development, real estate acquisition, construction costs,
equipment, working capital, closing costs or cash-out.

PROCESSING: Approvals within 24 hours, commitments within 48 hours, and closings in as little as 14 business
days.

EXIT FEE: In lieu of equity, there may be a fee of between 1% and 5% of the loan amount.

COMMITMENT FEE: Typically between 1% and 3% of Loan Amount.

SUBMISSIONS: Brief property description • Schedule of all proposed capital expenditures • Sources and use of
proceeds statements • Appraisal, where available


JOINT VENTURE CONSTRUCTION       

LOAN AMOUNT: $5,000,000 and up.

BORROWER: Developer should be experienced.

LOAN TERM: 1 to 5 years, interest only.

INTEREST RATE: 12% TO 15%, typically paid 5% current with the balance to accrue.

EQUITY PARTICIPATION: 35% to 55%.

TYPE: JV Preferred Equity.

PROPERTIES: Multifamily, senior living, office, retail, medical, warehousing, manufacturing, or industrial
properties.

LEVERAGE: Up to 97% of the Approved Budget when combined with the senior construction loan and up to 90%
of the equity required.

EXIT FEE: Typically between 1% and 3% of the investment amount.

COMMITMENT FEE: Typically between 1% and 3% of investment amount.

SUBMISSIONS: Property and area description • Architectural drawings/renderings • Sources and use of
proceeds statement • Information on construction debt • Sponsor’s financial statements • Sponsor/Developer’s
CV • Schedule of Recent Properties Developed • Budget • Pro Forma Operating Statement • Appraisal, if
available
(LOAN SUBMISSION FORM)

INTERNATIONAL LOANS

Overseas, CFG's Investors underwrites loans ranging in size from $20 million and up, backed by one or more of
the following:  

Hard currency [US dollars, DM, EURO, GBP, JPY, etc] and/or existing
income-producing properties
Non-income real estate assets of defined value
Financial securities, in most countries of the Western world.

Typically, loan amounts range from 50% to 70% of the properties’ value supported by strong cash flow and/or
credit tenants, with terms of 1 to 5 years, paying interest only for the term of the loan. The minimum Debt
Service Coverage (net Cash Flow divided by Debt Service – “DSCR”) should range between 1.05X to 2.0X,
depending on the type of property and credit enhancements.  In cases where hard currency cash flow cannot be
established, CFG will accept an Investment Grade enhancement in the form of a Surety Bond or a Standby
Letter of Credit equal to the Net Operating Income of the property, in US dollars or other hard currency. The
enhancement can be issued for a period of one year, automatically renewable, for the duration of the Loan
Term. In this scenario, CFG could lend up to 98% of the present net value with a minimum DSCR of 1.05X.
Terms would be self-liquidating over 5 to 20 years
PRODUCTS












Hong Kong
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FAST FUNDING LOAN PROGRAMS

Up to 90% LTV
Unlimited Cash Out
No Pre-Payment Penalty
Flexible Amortization
Schedules
Close in 3-5 Days
Non Recourse Loans
Par Pricing
Brokers Protected
Pays up to 3 pts. yield spread
2-5 year adjustable rates
Interest Only

PROPERTY TYPES

Apartment
Multifamily
Self Storage Facilities
Office Buildings
Land Development
Warehouse
Equipment/Machinery
Retail Centers
Mobile Home Parks
Raw Land
Resorts
Restaurants
Mixed Use
Convenience Stores
Gas Stations
Car Wash
Hospitality Hotel/Motel
Tavern
New Residential Development
Pawn Shops
Golf Courses/Marinas
Auto Body Repair
Industrial
Owner Occuppied Business
Special Purpose Properties
Conversions
Medical
Gold Mines

LOAN TYPES

Conventional Financing
Stated Income
Mezzanine Loans
International Loans
Corporate Loans
1031 Exchange
Full Documentation
Cash Out Refinance
Lines Of Credit
Hard Money
Fixed Rates
Construction Loans
Acquisition & Development
Equity Financing
Remodel-Renovation
Joint Ventures
Green Energy Loans
Foreign Nationals
Cross Collateral
Distressed Borrowers
Bridge Loans
CALL TODAY  1-877-310-5500  

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