G21 CREDIT ENHANCEMENT OVERVIEW

📌 Loan Guarantee Request Form: [Click Here]

Once we receive your Loan Guarantee Request Form, we initiate the project review process. This includes:

• Presenting the project to our Credit Enhancement Committee

• Preparing the necessary financial materials for approved projects

• Structuring the project in banking language, highlighting its strengths and profitability

• Forwarding the proposal to Investor Groups and Lender Banks

If the Investor Group (which provides the guarantees and collateral) and the Lender Bank (which funds the loan) approve the project, GATEWAY 21 BANKERS issues a formal Letter of Intent and Documentation.

This Letter of Intent serves as a mutual commitment between both parties, outlining the terms, conditions, and procedures of the transaction.

⏳ Important: The Letter of Intent is valid for three banking days. Within this timeframe, the borrower must:
✔ Decide to proceed.
✔ Sign the Bank Financial Guarantee and Collateral Agreement with GATEWAY 21 BANKERS.
✔ Complete all necessary documentation.
✔ Transfer the costs of Letter of Guarantee issuance, Certificate of Insurance Policy and Reinsurance.

Once the Letter of Intent and Documentation are issued, it confirms that everything has been coordinated with both the Investor Group and the Lender Bank. This also means that guarantees and funds have been blocked in favor of the loan guarantee approval.

G21 CREDIT ENHANCEMENT: LETTER OF GUARANTEE

The Letter of Guarantee, Certificate of Insurance Policy and Reinsurance must be paid upon signing the Agreement and related documentation. This payment allows the Investor Group to obtain an Irrevocable Letter of Guarantee, Certificate of Insurance Policy and Reinsurance from a financial institution and Insurance Company affiliates to Lender Bank securing:

• Guarantees and collateral for both the principal and interest of the loan.

• Financial backing from Bonds, U.S. Treasury Bonds, or Eurobonds, underwritten by top 20 international banks.

• Certificate of Insurance Policy and Reinsurance.

💰 Cost of Letter of Guarantee, Certificate of Insurance Policy and Reinsurance Structure:

• Loans between US $10 million – US $20 million → 8.5%

• Loans between US $20 million – US $50 million → 6.5%

• Loans between US $50 million – US $100 million → 1.5%

• Commission: 4%

G21 CREDIT ENHANCEMENT: FINANCING EXAMPLE

Scenario: A company needs US $10 million for an investment project.

✅ GATEWAY 21 BANKERS secures investor-backed guarantees, supporting financing of US $22 million from a Lender Bank.
✅ Loan distribution:

• US $10 million → Directly allocated to the company’s investment project

• US $12 million → Deposited into a Sinking Fund at the Lender Bank

⏳ Loan Repayment Mechanism:

• At maturity, the Sinking Fund fully repays the US $22 million loan to the Lender Bank.

• The company only pays interest on the US $22 million, while the principal is covered automatically by the Sinking Fund.

• The applicable interest rate is determined through negotiations between the company and the Lender Bank, typically aligning with LIBOR and market rates (~4%).

G21 CREDIT ENHANCEMENT: BUSINESS PLAN REQUIREMENTS

A comprehensive business plan is required for Lender Banks to consider loan guarantee applications.

📌 Your Business Plan Must Include:
✔ Company overview
✔ Three-year financial projections
✔ Loan repayment strategy
✔ Resumes of company owners and key executives
✔ Competitive analysis and differentiation strategy

The expert consultants at G21 CREDIT ENHANCEMENT leverage their financial expertise and global contacts to secure the necessary funding for investment projects.

G21 LOAN GUARANTEE REQUEST FORM – REQUIRED DOCUMENTATION

✅ Completed, signed, and dated Loan Guarantee Request Form ([Click Here])
✅ Company Financial Statement (issued within the last three months)
✅ CPA-prepared business financial statements (for the last three years, if required by the Lender Bank)
✅ Projected monthly Profit & Loss Statement (for the remainder of the current year, plus annual projections for the next three years, including assumptions)

🔹 With our extensive financial network and structured credit enhancement solutions, GATEWAY 21 BANKERS helps turn investment projects into successful, long-term ventures.