At SRI Capital, Accompanying Projects with Specialized Capital, Preferential Interest Rates, and Expert Advice.

A. Overview:

This unique credit enhancement service utilizes Standby Letters of Credit (SBLC MT760). Unlike traditional SBLC/LC used for procurement purposes, this service is designed to enhance credit for loan acquisition aimed at promoting economic development beneficial to humanity. It supports funding for socially impactful projects such as Waste-to-Energy Plants, Comprehensive Wellness Retreats, Plastic Recycling Factories, Agricultural Processing Centers, High-Tech Innovative Industrial Parks, Farmer Supermarket Channels, and Reforestation Programs.

The issuing bank’s sole obligation is to ensure the SBLC MT760 is non-revocable and remains effective until maturity. This instrument exclusively serves to secure loans, upgrading them to AAA levels and enabling access to significant financing.

SKR acts as a collateral enhancement measure, where borrowers deposit valuable assets into lending and corresponding banks. These assets can then be collateralized to issue SBLCs or Bank Guarantees (BG).

African banks and businesses can leverage abundant natural assets, such as geological surveys and JORC Reports. Often held as Safe-Keeping Receipts (SKR), these assets can be collateralized for cash-backed instruments without mortgaging properties.

Central banks in resource-rich developing countries, such as Congo with €460 trillion in reported resource assets, have tremendous potential. They can harness their natural resource wealth to create significant development for their citizens.

With a commitment to supporting banks and businesses in leveraging their assets for rapid disbursement, typically within 45 days of engagement, to drive economic growth benefiting all stakeholders.

Our Loan Terms:

  • Minimum loan amount: €100 million, with no upper limit for project support.
  • Interest rate: 1.65% per annum.
  • Grace period: 3-5 years, depending on the loan amount.
  • Repayment period: 8-30 years based on the loan size, with a maximum total repayment period of 35 years.
  • Administrative/insurance cost: 6% of the loan amount, deducted from loan disbursement (not payable upfront).
  • No prepayment penalties.

B. Guarantee Procedure (4 Phases):

– Phase I –

  1. Submit project/business plan.
  2. Attach CIS (Customer Information Sheet) or KYC (Know Your Customer) form.
  3. Include RMA (Relationship Management Application) list from your bank.
  4. Pay a deposit of $25,000 for operational and initial loan support file setup.

The first three conditions are critical and non-negotiable for receiving a loan offer. Applications missing the RMA list or incomplete documentation will not be processed.

– Phase II –

  1. Submit loan application (application form available upon request).
  2. The lender sends loan offer, agreement, and term sheet.

– Phase III –

  1. The borrower or their bank agrees to proceed and signs consent documents.
  2. The underwriting bank issues a non-binding RWA (Ready, Willing, and Able) email.
  3. The lender accepts the RWA and coordinates for MT799 PRE-ADVICE and bank confirmation.
  4. Borrower’s bank sends SWIFT MT799 Funds Probe to the lending bank, and the lending bank responds with proof of funds readiness via SWIFT MT799.

– Phase IV –

  1. The borrower’s bank sends MT760 BG or SBLC, along with signed loan agreements, to the lending bank.
  2. The lender processes the first loan disbursement within 10-30 days.
  3. Bank fees (if applicable) can be paid within the first 10 days using loan funds.
  4. Subsequent monthly disbursements continue as outlined in the term sheet.

All loans are insured and reinsured against default through highly-rated European insurance companies. The maximum loan term includes repayment up to 30 years with a 5-year extension, depending on loan size. Smaller loans may have shorter terms and extensions, ranging from 3-8 years.

C. Legal Due Diligence:

  1. The Borrower initially signs a term sheet. The guarantor bank issues an RWA letter via email confirming readiness to issue BG or SBLC for the approved loan amount.
  2. These non-binding documents are sent to our banking platform partners to designate a suitable lending bank. The guarantor bank’s RMA list is also required.
  3. After a lending bank is designated, the guarantor bank sends MT799 FUNDS PROBE to the assigned bank, which responds with confirmation of available funds.
  4. Once both banks complete due diligence, the borrower finalizes agreements while the guarantor bank sends MT760 BG or SBLC.
  5. The first loan disbursement occurs within 30 days after receiving and validating the guarantor’s BG.

Special Notice:

SRIC operates as a private club where members share investment opportunities. Members can receive direct information from proposing members. If the investment qualifies, SRIC may work with proposing members to provide guarantees for both capital and returns. Interested parties should contact us via email. Members undergo KYC and AML compliance verification. SRIC reserves the right to close membership recruitment at its discretion.

Disclaimer:
This content is for informational purposes only and should not be interpreted as legal, tax, investment, financial, or other advice. Nothing herein constitutes professional or financial advice or an endorsement of third-party service providers.