Friday, March 16, 2012

In Defense of Crowdfunding

Crowdfunding legislation is tantalizingly close to becoming reality—the Senate is expected to pass a version of a bipartisan House bill within days. But a rash of negative publicity threatens to derail this important update to antiquated securities laws that hamper small business capital raising.


The problems stem from the Jump-Start Our Business Start-Ups act—JOBS, for short—a House package that rolled together a number of largely uncontroversial bills aimed at spurring small business capital raising, and added some new ones. JOBS has provoked a fierce outcry from consumer protection groups, regulators and pundits, who evoke alarming images of coke-snorting boiler room operators, Nigerian scammers and pump-and-dump research analysts. It seems this bill will make "Muppets" of all of us.


Let's all take a deep breathe and consider this.


The elements of JOBS sparking the most backlash are provisions that loosen regulations on public and pre-IPO companies, including exempting publicly traded "emerging growth companies" from certain reporting requirements, and letting issuers and financial firms peddle securities to accredited (aka wealthy) investors. Fair criticism. I don't see anyone taking issue with other elements of the bill, like raising the ceiling for Reg A offerings and increasing the number of shareholders (from 500 to 1,000) a private company can have before it is considered public.


The other key element of the package is a crowdfunding bill that had previously passed the House with near unanimous support. Crowdfunding has its share of detractors, for sure. But much of the recent criticism seems to be unfairly tarring crowdfunding and other good elements of JOBS with the same broad brush. In the Times, Floyd Norris declared crowdfunding "a major victory for Wall Street." 


That couldn't be farther from the truth.


Crowdfunding, as most people by now know, is a fundraising model where lots of small sums are aggregated from lots of people. Think Kickstarter.com, Kiva.org, and President Obama's initial presidential campaign. Crowdfunding legislation would move that model into the investment sphere, so  entrepreneurs could tap into their social networks to raise capital, and allow those investors to share in the profits. It's Kickstarter with a financial return. 


Under existing rules—rules that were crafted in the 1930s, in the age of ticker tape and telegraphs—that is illegal. Private companies may only raise money from accredited investors. If they want to reach out to their customers, their friends and family, their neighbors or social networks—a perfectly natural impulse—they must hire lawyers and accountants to guide them through a registration process and produce a bulky prospectus that hardly anyone reads. This process can easily cost $1 million or more—making it a non-starter for small firms that only need $10,000 or $100,000 or even a million.


These small firms are shut off from a huge pool of potential capital, at a time when bank lending and seed funding is down dramatically. And ordinary Americans are unable to invest in companies that they know and love and support.


Having spent the past two years talking to small businesses and investors, I can tell you that people want to invest this way. They would like to put their money in companies that they know, that are part of their community, or doing things they believe in. Just look at the success of Kickstarter, which has raised tens of millions of dollars in contributions for creative ventures. The site logged $1.6 million in pledges in a single day this week.


Before it shut down last month under pressure from regulators, ProFounder.com—a crowdfunding platform cofounded by a founder of Kiva—helped dozens of small businesses raise money from friends and family. This kind of capital is supportive, nurturing capital. It's the antithesis of vulture capital or "ripping the eyeballs out" of Muppets.   


In fact, crowdfunding presents a badly needed alternative to Wall Street-style investing. Just as Kickstarter allows independent artists to bypass the traditional gatekeepers like record studios and publishers to get their works produced, crowdfunding can help entrepreneurs with good ideas or promising growth potential get funding that is not forthcoming from banks or VCs. Millions of Americans have moved their money out of big banks to credit unions and community banks; many may want to do the same with some of their investment dollars.  


Yes, there is risk. Investors could lose money or be victims of fraud—just as they can in the stock market. Most of the proposed crowdfunding bills limit the amount that individuals can invest in a crowdfunded venture—the highest allowable amount among the bills is (the lesser of) $10,000 or 10% of their annual income—so the amount any one investor could lose would be limited. (In comparison, there is no limit to what they can lose in the stock market or at the casino, for that matter). The amount a company can raise is also limited, to $1 million (or $2 million with additional disclosure).


It is the risk of fraud that has most critics' knickers in a knot. Without a doubt, hucksters will ooze out of the ether. But there are commonsense measures included in the crowdfunding bills that can address the risk. For example, the Senate bills require companies to go through a crowdfunding intermediary to raise funds. The intermediaries (the equivalent of a Kickstarter or eBay) must register with the SEC. And they must hold funds in escrow until the money is released to the company raising it. In addition, state regulators can prosecute any offenders if someone manages to pull off a fraud.


The crowdfunding intermediaries will also perform a basic level of vetting of the companies they list on  their sites, such as background checks of principals and the like. And let's not underestimate the power of  hundreds or thousands of people dissecting a business plan and crowd-vetting an idea or a company. The Internet brings a new level of transparency to investing, in ways that the framers of the 1930s securities laws could never have imagined. In fact, crowdfunding has the potential to be more transparent than many other investments we can routinely make. Do you know what's in your emerging market mutual fund, or what the hidden fees are, for example? Do you really know what is going on inside that blue-chip bank whose stock you own? (Here's a hint)


Crowdfunding has been taking place for nearly two years in the UK without a hitch, funding hundreds of local businesses. Luke Lang, a cofounder of Crowdcube.com, which has raised more than £2.5 million in equity capital for more than a dozen companies since it launched a little over a year ago, fully expects some companies to fail; that comes with the territory. But so far there has not been a whiff of fraud. Likewise, on Funding Circle.com, British investors have lent more than £23 million to about 600 local businesses in the less than two years, with nary a Nigerian scammer or boiler room creep. 


The bottom line is, the financial system is broken. Small businesses—which create the majority of jobs, contribute half of private GDP and provide the biggest economic boost for their communities—are going begging for capital. Investor protections are predicated on the public markets, yet those markets are closed to 80% of the companies that need them, according to a report by Grant Thornton (pdf here). Small firms are simply priced out. The median IPO size has risen from $10 million 20 years ago to roughly $140 million today. 


We need alternatives. Done sensibly, with the right precautions built in, crowdfunding could unleash a new wave of innovation and job growth. The potential rewards vastly outweigh the risks. I hope Congress and the pundits will separate this issue from some of the more problematic proposals in the JOBS package. 

51 comments:

GTT said...

"(In comparison, there is no limit to what they can lose in the stock market or at the casino, for that matter)."

this is so on point... it really gets at what is happening here in the US..

ugh... "we" the American people can blow our wealth in areas where there are established and protected $ interests, but when it comes to creating - imagining - and innovating we turn need to super parent ourselves into self defeat.... this give and take can be so frustrating.

Donald Miller said...

You can support locavesting through investment crowdfunding today! A group of community leaders in Port Townsend, WA are raising capital to open a community owned retail shop. You can learn more and Washington State residents can invest today at invest.quimpermerc.com/

Unknown said...

Good investing tips.

Unknown said...

Nice Article Posting! Selective Financial Services provides the crowd funding to business. We are an investment and advisory firm that strives to provide expert solutions to create lasting values, for investors, in transactions in which we invest funds, or our financial expertise, and for the companies and individuals.

Unknown said...

Do you seek funding and the bank you deal with on a day to day basis has refused to help you?

You might qualify for our new concept and get funded with our help.
Our focus is on socially responsible, green, energy producing projects. The facility is however not limited to these basics, as long as you have a strong management team, a viable business plan, and exceptional growth potential. We also enable finance for growth and consider any commercial business with the potential for a high ROI already within the first year. And we can work with any legal financial transaction offering an above average return on investment.
If your requirement is within these basics, please let us have your answer to this simple question: "Would your own bank provide you with finance, if we guarantee for your loan through Deutsche Bank?"
If you see chances to get funded on that basis, then you should tell us how much money you seek. We will engineer a solution for your immediate funding requirement and explain how you can put this concept to work for you.

Send an email directly to RelationshipManager@SelectiveFinancialServices.com now and visithttp://selectivefinancialservices.com/project-finance

Unknown said...

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Sekaran00 said...

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Bernard said...

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Raymond Doison said...

We are project funder as well as financial lender,We have BG/SBLC, specifically for BUY/LEASE at a leasing price value Issuance by HSBC London and other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding.

Our BG/SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+1%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+1%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

Contact : Mr. Raymond Doison
Contact Email: crusaderbroker.bgassurance@gmail.com
skype:crusaderbroker.bgassurance@gmail.com

Chowdhury said...

We are financial service company in Leicester,United Kingdom, we assist our clients(mainly corporate bodies) in meeting their financial needs by raising Bank Guarantee and SBLC for lease and purchase which can be used for a variety of purposes like collateral for loans at banks, guaranteeing performance in a contract among other things.

Kindly contact for genuine inquiries and I can provider you with the needed information.

Email: chowdutpal@gmail.com
Skype: utpal.chowdhury73

Cheers
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Chowdhury said...

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Kindly show your interest as soon as you are in need of our services to enable us furnish you More Details.
Email: chowdutpal@gmail.com
Skype: utpal.chowdhury73

BROKERS ARE WELCOME & 100% PROTECTED!!!

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Notes {MTN}, Confirmable Bank Draft
{CBD},Monetize as well as other financial
instruments issued from AAA Rated bank
such as HSBC Bank Hong Kong, HSBC Bank
London, Deutsche Bank AG Frankfurt,
Barclays Bank , Standard Chartered Bank
and others on lease at the lowest
available rates depending on the face
value of the instrument needed.


Email : nat.mandate18@gmail.com
Skype : nat.mandate18@gmail.com


Regards
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WRIGHT said...

We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

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MHN BUILDERS AND CIVIL CONTRACTORS said...


I have two financial requirements.

1. I want to bring funds to india to invest in real estate business upto 30 millions usd required.

2. I want to invest in Dubai trade desk upto 200 million usd.

Please suggest how to get funds through SBLC & monitisors.

Also requesting you to suggest any better financial options available with you as suitable for my requirements. Also suggest any investors who are really interested to invest in india. Also let me inform any other financial deals also from your end or through your network. We have bank facility in various countries.

mhngroups@gmail.com
MHN RAMESH

WRIGHT said...

We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

Regards,
Wright
Skype;
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rsileaseonsult said...


Dear Sir/Madam.

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DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC)(Appendix A)
2. Total Face Value: EUR/USD 1M MIN and EUR/USD 5B MAX (Five Billion USD).
3. Issuing Bank: HSBC, London, Deutsche Bank Frankfurt or any Top 25 AA Rated Bank
4. Age: One Year, One Day
5. Leasing Price: 3% of Face Value plus (0.5%+X) commission fees to brokers.
6. Delivery: SWIFT TO SWIFT.
7. Payment: MT-103
8. Hard Copy: Bonded Courier within 7 banking days.
9. Purchase price 32+2

The Leased Instruments includes: BG’s, Insurance Guarantees, MTN,(SBLC) Standby Letters of Credit and Third Party Guarantees such as a standby forward commitment to purchase or a standby loan. If you are a potential Investor or Principle looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with all the details regarding this services. Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments.

We work directly with issuing bank lease providers. You will work with your bank to ensure that the leased instruments will be returned to them before the maturity date. This Instrument can be monetized on your behalf for Trade in PPP. If interested in our bank instrument offer kindly contact me via Email.

Awaiting your response.
Best regards,
RAMESH SUBRAMANIAM IYER
Contact: rsi.leaseconsult@gmail.com
Skype ID: rsi.leaseconsult

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WRIGHT said...


We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

Regards,
Wright
Skype;
wrightjames931@gmail.com

WRIGHT said...

Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.

Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.

Please request for full procedure details if interested.

For further inquiry contact:Wright James
Skype:
wrightjames931@gmail.com
Emai:
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Refferty Vandor said...

Dear Sir/Ma,

We are genuine certified Financial Instrument providers. Presently, we only focus on BG/SBLC for Lease and purchase purposes. Our Lease BG/SBLC is 4+2% and purchase at 32+2%.

* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Rafferty Vandor
E-mail : raffertyvandor@gmail.com
Skype id : raffertyvandor@gmail.com

W & J O'Shea Roofing said...

Dear Sir/Ma,

We are genuine certified Financial Instrument providers. Presently, we only focus on BG/SBLC for Lease and purchase purposes. Our Lease BG/SBLC is 4+2% and purchase at 32+2%.

* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
W & J O'Shea Roofing
E-mail :wjoshearoofing@gmail.com

Skype id : wjoshearoofing@gmail.com

Simon Federman said...

Dear Sir,

I am a direct Mandate to a genuinely renowned Investment Finance Company offering Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures.

Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. For Inquiry contact.

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Kevin Reyes said...

Dear Sir/Ma We are broker firm in London-UK, we have direct Provider of BG/SBLC specifically for Lease and purchase, The provider is tested and trusted. We have been dealing with the company for paste 20 years. Interested Agent/Lessee should contact us.

Email: globalcapitalasset@gmail.com

Skype: Kevinreyes1972@outlook.com

WHATAPP NUMBER :+1 650 741 1097

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Dean said...

Dear Sir,

We are broker firm in London-UK, we have direct Provider of BG/SBLC specifically for Lease and purchase, The provider is tested and trusted. We have been dealing with the company for paste 20 years. Interested Agent/Lessee should contact us.

Email: longmornprojectsfinance@gmail.com

Skype ID: longmornprojectsfinance@hotmail.com

whatsapp Number:+1(330)333-0498

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Unknown said...

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I am the sole (Direct) mandate to several genuine efficient providers for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Issuance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32%+2%.

Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA.

Please request for full procedure details if interested.(WE MOVE FIRST)

For further inquiry contact:

Contact us for further detail:
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Simon Federman said...

Dear sir,

I am a direct Mandate to a genuinely renowned Investment Finance Company offering Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures.

Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. For Inquiry contact.

Email: longmornprojectfinances@gmail.com

Skype: longmornprojectfinance@hotmail.com

Whatsapp : +1(661)262-9225

Warm Regards
Simon Federman.

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE

We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

Name : Scott james

Email : Inquiry.securedfunding@gmail.com
Skype: Inquiry.securedfunding@gmail.com

rsileaseonsult said...

We are a Finance Industry Company professionals with over 15 Years Experience and a focus on providing Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank , Credit Suisse e.t.c. at the lowest available rates depending on the face value of the instrument needed.

FEATURES:

Bank Guarantees & SBLC’s in Standard Formats from Major Banks!
Amounts from $1 million to 5 Billion+
Euro’s or US Dollars
Great Attorney Trust Account Protection
Delivered via MT760 Swift with Full Bank Responsibility
MT799 and MT103 preadvice included
Brokers Always Protected

Purchase Instrument of BG/SBLC : 32%+2% Minimum Face Value = EUR/USD 1M
Lease Instrument of BG/SBLC : 3+(0.5%+X) Minimum Face Value = EUR/USD 1M

Interested Agents/Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.

Best Regards
Management.
RAMESH SUBRAMANIAM IYER
Contact: rsi.leaseconsult@gmail.com
Skype ID: rsi.leaseconsult

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE

We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

Name : Scott james

Email : Inquiry.securedfunding@gmail.com
Skype: Inquiry.securedfunding@gmail.com

jeffrey cage said...



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scott james said...

(BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES

Dear Sir/Ma,

We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days

I will be glad to share with you our working procedures.

Name : Scott james

Email : inquiry.securedfunding@gmail.com
Skype : Inquiry.securedfunding@gmail.com

simplefinance said...

We have direct access to genuine providers of Bank Guarantee (BG), Standby Letter of Credit (SBLC). Issuance is by AA rated Bank in Europe, Middle East, Asia and USA.

We also monetize same BG/SBLC for 100% cash if you do not have a monetizer.

Our bank instruments can be engaged in PPP Trading, Discounting Signature Projects like Construction, Oil and gas, Telecommunication etc.

Please contact me for full details:
Contact:MR RORY ANGUS

Email:guidancefinanceltd@gmail.com

LEASE AND PURCHASE BG/SBLC WITH MONETIZATION

scott james said...

(BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
Dear Sir/Ma,
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Scott james
Email : inquiry.securedfunding@gmail.com
Skype : Inquiry.securedfunding@gmail.com

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
Dear Sir/Ma,
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Scott james
Email : inquiry.securedfunding@gmail.com
Skype : Inquiry.securedfunding@gmail.com

Thomas Freddie Unlimited Hackers said...


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Jason Edward said...

FINANCIAL AGENT LIMITED provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of FINANCIAL AGENT LIMITED Services, we give you a small-company service but with a large-company set up – the best of both worlds.  
You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable. 
Leasing Price : 6%+2%
Buying Price: 38%+2%

Contact us for more details on our terms and procedure of transaction.

NAME  :Jason Edward
EMAIL :financialagentltd@gmail.com
SKYPE :financialagentltd@gmail.com  

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
Dear Sir/Ma,
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Scott james
Email : inquiry.securedfunding@gmail.com
Skype : Inquiry.securedfunding@gmail.com

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
Dear Sir/Ma,
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Scott james
Email : inquiry.securedfunding@gmail.com
Skype : Inquiry.securedfunding@gmail.com

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
Dear Sir/Ma,
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Scott james
Email : inquiry.securedfunding@gmail.com
Skype : Inquiry.securedfunding@gmail.com

Unknown said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Thomas Wolfgang
Email : inquiry.fastfunding@gmail.com
Skype : inquiry.fastfunding@gmail.com

Unknown said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Thomas Wolfgang
Email : inquiry.fastfunding@gmail.com
Skype : inquiry.fastfunding@gmail.com

Mrs. McCarthy Juan said...

TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Call/Text: +1(646)820-1981 Email for immediate response: drbenjaminfinance@gmail.com
WhatsApp +19292227023 Visit their Company Website: https://capitalmanage-inc.com/


Good Day everyone, My name is Mrs. McCarthy Juan, I have been a scam victim to so many fake lenders online between November last year till march this year but i thank my God so much that he has finally smiled on me by directing me to this new loan lender who put a smile on my face this year 2021 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is CAPITAL MANAGEMENTS INC (drbenjaminfinance@gmail.com) gave me 2% interest loan for my business expansion amount $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr. Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. CAPITAL MANAGEMENTS INC holds all of the information about how to obtain money quickly and painlessly via Email: drbenjaminfinance@gmail.com

When it comes to financial crisis and loan offer then CAPITAL MANAGEMENTS INC is the place to go please just tell him, I Mrs. McCarthy Juan direct you Good Luck.



Loan Company Website: https://capitalmanage-inc.com/

LENDINGTREEMONEY said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE.

I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.

Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details.

They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. I only want serious buyers then i will put you in touch with the provider directly.

- Bank Guarantee (BG)
- Standby Letter of Credit (SBLC)
- Direct Line of Credit (DLC)
- Medium Term Note (MTN)
- Letter of Credit (LC)
I will be glad to share with you our working procedures.
Contact : Robert Bouffad
Email: Lendingtreemoney@gmail.com
Whatsapp: +447586540601
Postal address
Swiss National Bank
Börsenstrasse 15
P. O. Box
CH-8022 Zurich
BROKERS ARE WELCOME & 100% PROTECTED!!!

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : scott james
Email : inquiry.securedfunding@gmail.com
Skype : inquiry.securedfunding@gmail.com

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : scott james
Email : inquiry.securedfunding@gmail.com
Skype : inquiry.securedfunding@gmail.com

freedomplus loans services said...

We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe and america.contact: freedomplusloanservices@gmail.com  Contact.or whats up number.+447978271394

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : scott james
Email : inquiry.securedfunding@gmail.com
Skype : inquiry.securedfunding@gmail.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS said...

Do you need a quick long or short term Loan with a relatively low interest rate as low as 3%? We offer business Loan, personal Loan, home Loan, auto Loan,student Loan, debt consolidation Loan e.t.c. no matter your credit score.
Personal Loans (Secure and Unsecured)
Business Loans (Secure and Unsecured)
Consolidation Loan and many more.

Contact US for more information about Loan offer and we will solve your
financial problem. contact us via email: muthooth.finance@gmail.com
Phone number: +917428831341 (Call/Whats app)

freedomplus loans services said...

We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe and america.contact: freedomplusloanservices@gmail.com  Contact.or whats up number.+447978271394

scott james said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : scott james
Email : inquiry.securedfunding@gmail.com
Skype : inquiry.securedfunding@gmail.com

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