Asset Based Lending & Unsecured Loans

[Copelon J. Kirklin]

I am an independent banking consultant for an investment bank in Ft. Lauderdale, FL. As of late, we have been lending on various commercial real estate deals via bridge loans and refinance transactions. Please review below the other lending methods we offer...

Asset Based Lending Criteria:
Loan Size: $500,000 ‐ $30,000,000/Region: USA and Canada

Collateral and Advance Rates:
1. ACCOUNT RECEIVABLE: up to 90% LTV (foreign and domestic AR)
2. INVENTORY: up to 90% LTV
3. M&E (Machinery and Equipment): up to 100% LTV (foreign and domestic)
4. Purchase orders: up to 100% of supplier cost
5. IP: advance determined by licensing or royalty revenue
6. Commercial RE: up to 75% LTV
a. Hotels, Multifamily Units, Factories, plants, warehouses, assisted living facilities, and 
commercial centers nationwide
7. Cash Flow: 1‐3X EBITDA

If borrower has EBITDA of $500K or above then no collateral is required. If the borrower has
collateral to support a loan size of $500,000 and above then no revenue or positive EBITDA
required.

Loans are provided for but not limited to:
• Refinancing
• Acquisition
• Growth
• Distress and Turnaround
• Working Capital

Contact info:

Copelon J. Kirklin

[e-mail]

Skype ID: copelon

225.221.3746 cell

225.347.0707 office

[Ed Franklin]

Good Afternoon,

I am looking for financing for the below scenario. Would you have an interest in the following? Please let me know if you can be of assistance.

1. Property located in OKC, OK.
2. Two multis totaling 30 units.
3. Appraised value of $1,000,000
4. Sales price of $900,000
5. Down payment of $100,000
6. Loan amount $800,000
7. Good value play. DSCR of 1.42 with above figures.
8. Personal FICO of 680
9. Requesting short term 1-2 years, 30 year amortization
10. Will refi prior to term expiration

Thank you,


Ed Franklin
Northwest Capital Services, LLC
'Business & Commercial Loan Specialists'
P [phone], M-F, 8-5, PT
F [phone]
[e-mail]