Global 4X Loan Program

This 4X program has privately funded billions of dollars over the past 15 years through loans to select partners across a wide variety of industries. Unlike traditional banks, conventional lenders or venture capitalists, this is a unique privately owned and operated wealth lending program. The lender has an above average acceptance rate on loan requests and can fund high risk loans that just could not be done anywhere else. They work with highly respected global business partners to administer their program and have designed it to fully mitigate the risk to the borrower by providing a 100% guarantee on the initial deposit, that triggers the loan. Forget what you know about typical banking or conventional loans, this is not that. As long as you have a viable project, with 20% of your budget raised for your project ($1M USD), you can get a 4X credit facility and at the wholesale rate of LIBOR + 2.

4X Loan Highlights

  • Loan is triggered by 20% capital.
  • Minimum deposit $1M USD, no maximum.
  • Your money is fully guaranteed and never under the lender's control.
  • ​48 month default term (longer is possible); Interest only quarterly payments.
  • No prepayment penalties and flexible repayment options.
  • No Personal or Corporate Guarantees. GSA on project. 
  • ​Any business can qualify. Credit scores are not relevant.​
  • ​Rate is LIBOR +2.​
​Interested? Read on...

CANNABIS FUNDING SUCCESS STORY

Michigan Based Cannabis Grower Leverages 4X Loan Providing Their Initial Deposit In COLD HARD CASH

As cannabis continues to be legalized at the State level across the US, the market opportunity is exploding.  However, due to the fact that Cannabis is not legalized federally significant banking and financing challenges exist across the industry amid fears their legal profits could at a future time be reclassified as "proceeds of crime".  As a result, many cannabis operators are hesitant to bank their profits, instead holding onto immense amounts of cash. Leveraging large amounts of cash to access growth capital for your business is not a typical approach to commercial financing.
 But for this cannabis grower it was the perfect answer. Using their profits (being stored in cash) they successfully leveraged the 4X loan. Our funder, being both a private lender and a problem solver figured out a way to get it done. In this unique scenario, the lender dispatched a secured armored car service to collect millions for a cash deposit for placement as the loan loss reserve. With the cash deposited in escrow, the borrower received a four times credit facility of the deposited amount. With their $20M+, they are expanding grow operations to several new states.  
They began receiving tranches in Q4 of 2018 and now with the loan fully disbursed, the client has the loan loss reserve returned to them - which had some significant benefits of its own. Thanks to this unique program, this Michigan grower is capitalizing on their expansion plans and their business is blooming.

Luxury Development Success Story

MidWestern Developer Afforded A Second Opportunity at Success

When personal guarantees are required as part of institutional loans, occasionally the worst case scenario occurs. In the case of one Ohio developer that lost his development company and most of his personal assets through devastating bankruptcies in mid-2017, there seemed to be no possibility to rebuild previous success. Though still in possession of business plans for several $50M+ developments, bankruptcies and the terrible personal credit rating of the project owner prevented any chance of him attaining bank loans to build them. By making use of our funder's unique approach, the only collateral that needed to be pledged was the development project itself - no additional personal or corporate guarantees were necessary. With the 4X Loan Program the borrower's personal credit history became a non-issue. As long as the business plan was solid, the financing was to be made available. All that was required was for the project to find an equity partner that could contribute the initial 20% of the total budget;
by placing that amount in a third party escrow as the Loan Loss Reserve, the project could achieve a loan four times that amount to complete the budget.  A new SPV was set up to be the owner of the project and the borrower of record, and in Q1 2019 the equity partner was secured and the development approved for financing. Despite the banks being unwilling to consider lending to the project due to the credit history of the SPV owner, our funder is providing the bulk of the financing and monthly oversight to ensure everything remains on track.  This luxury development is scheduled to be completed Q3 of 2020 and this midwestern developer is bing afforded a second opportunity at success.

​You can see clearly from this example that our funder has the ability to finance loans that just wouldn't even be considered anywhere else... 

​Summary of the 4X Loan

Unique Structure

This program with its wholesale interest rates, its flexible repayment options, its interest only structure, coupled with the 100% safekeeping security provided by Brinks or G4S is in a league all its own.  Your deposit is held in 3rd party escrow is not collateral and never under the lender’s control. The program has been purposefully designed to remove all risk from the transaction for the borrower.  This lending program is best in class on the global financing market.
​

Incredible Terms

  • ​Every loan starts with an initial deposit and the minimum deposit is $1M USD.
  • Default term is 48 months  (72 months possible).
  • Interest only, with quarterly payments.
  • No personal or corporate guarantees. GSA on project. 
  • ​Any business at any stage in any industry can qualify.
  • Credit scores are not relevant.​
  • No prepayment penalties.
  • Very flexible repayment options.
  • ​Wholesale rate at LIBOR +2. 

Here's how it works:

The borrower needs a deposit of 20% in cash to trigger the loan. Minimum deposit is $1M USD.  The lender will lend the additional 80%. It is interest only for 48 months (with extensions possible) at the wholesale interest rate of Libor+2 (currently, as of this writing under 4%). Interest is paid quarterly. Flexible repayment terms include an option to convert to long term mortgage at the end of the term which the lender will hold. There are no prepayment penalties. This is a non-recourse loan with no personal or corporate guarantees. The borrower's deposit is 100% guaranteed, held in a 3rd party escrow with a US Law Firm (for North American borrowers) and the deposit is returned to the originating account once the loan is fully disbursed.


​NEXT STEP

If you can confirm you have 20% for your deposit (which must be a minimum $1M USD), then download the Loan Request and the NDA forms here.

​Complete both documents and send them back to us along with your business plan and pro-forma.  We'll review your request and if approved we'll be back in touch with an Intent to Fund LOI.
reciprocal_nda_wellcome_capital.pdf
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4x_loan_request_form_-_fillable.pdf
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email:
loansrequest@weLLcomecapitaL.com

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phone or whatsapp:
416.707.5008
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weLLcome capitaL consulting LLC     |    30 N Gould ST. STE N. Sheridan Wyoming 82801      |      info@weLLcomecapitaL.com