SMALL BUSINESS LOANS
There’s no question that owning your own business is a risky proposition. But, with risk comes reward. Said another way, the better you are at managing risk, the more rewards you can reap. Whether you’re a start-up, a sole proprietorship, or a limited liability corporation, getting a small business loan will be one of your top priorities if you’re looking to expand your company’s potential.
Help ensure your business growth and success with a small business loan from FAF. Limited cash ow hinders growth. In fact, many small businesses fail because they don’t have the cash they need, when they need it.
WIC is a friend to small business. Turn to our knowledgeable, friendly, and attentive representatives to help you with small business start up loans, small business administrative loans, or any loans for small business.
Use your small business loan money for any business expense. We do not monitor the usage of your small business loan. You can use it to:
- Purchase new equipment
- Improve cash ow for more stability within your operation
- Expand your business
- Market/advertise your company
- Make improvements
- Fund emergencies
In this economy, it may seem more dicult than ever to nd small business loans and aordable small business loan rates. Not so with FAF. Even if you have had problems with credit in the past, we can help you with small business start up loans, small business administrative loans or
any of our many small business loan options to help you with your cash ow.
Applying for secured small business loans is easy. We require minimal documentation, and, in most cases, there is no application fee. You’ll also be surprised by our small business loan rates. So contact us now.
MORTGAGES
A properly structured home purchase loan allows you to get the home you want with a payment that fits your budget. Even first time home buyers have many options when it is time to purchase their first home. We can help you choose the right program, price range, and even direct you to the right Realtor for you in your area.
One of the biggest concerns of first time home buyers when they’re looking at getting their first mortgage is just how much money they’re going to require. Qualifying for a mortgage is the first hurdle to overcome, but that only gets them so far if they just don’t have the cash that they need to provide to follow through with a purchase.
Understanding what you’ll be responsible for paying for in cash is good information to have before you even submit a mortgage application. The specific costs can vary depending upon the state that you live in, the cost of your home and a few other factors, but here are some basic things to consider that will contribute to your costs.
In order to qualify for a mortgage, you will have to produce a down payment as a mortgage cannot cover by law the full cost of a home. The specific amount required for a down payment depends upon state guidelines as well as the type of loan. WIC mortgage loans oer the lowest down payment options for those who qualify, requiring under 3.5% of the purchase price down. Typically, first time home buyers put down less than 10% of the purchase price when they are qualified to do so.
In addition to requiring money for your mortgage down payment, you’ll need to save money for closing costs. This is something that you may be able to get paid by the seller of your new home, but as this is not something that’s guaranteed, it is wise to
have some money on hand to pay for all of the costs of purchasing a home that cannot be rolled into your mortgage. If you present a mortgage lender an offer that does not include closing costs covered by the seller, often as a rst time home buyer, you are required to prove that you have the money to cover them. 1.5% to 2.5% of the purchase price are a fair estimate for your closing costs, and somewhere in this range is what a mortgage lender will typically need to confirm.
A mortgage broker can help you go over the estimated amount that you’ll need to pay based on your target purchase price so you can be prepared in advance to make your first home purchase!
BY FAR THE BEST TOOL TO IMPROVE YOUR BUSINESS PERFORMANCE!
COMMODITIES
Our goal is to be accountable to our clients for delivering repeatable and explainable returns.
Investments in commodities and managed futures have the potential to provide returns that are diversified from stock and bond returns, with traditionally low correlations, and with the bene t of improvements in risk-adjusted returns and portfolio efficient frontiers. Commodities investments also offer the potential for insurance against inflation.
WIC manages a number of predominantly index-based investment strategies designed to capture these attributes, through a rigorous and disciplined investment process combined with an investment philosophy based on internal and independent research, rational employment of alpha- seeking methodologies, and competitive fee structures. Investment vehicles include both commingled funds and separately managed accounts, with extensive customization available to investors.
Our objective is to provide investors with quality excess return in comparison to the FTSE Gold Mines Index composite. The FTSE Gold Mines Index composite encompasses all gold mining companies that have a sustainable, attributable gold production of at least 300,000 ounces a year and that derive 51% or more of their revenue from mined gold.
WIC invests mainly in ‘large cap’ stocks listed on the North-American, Australian and South African stock exchanges and which are engaged in the prospection, the extraction or the transformation of precious metals. In order to achieve the Fund objective, the portfolio manager applies an active investment management style based on a «core-satellite» approach and selects stocks with high expectations of net asset value growth in the mid to long-term. Alternatively, when those expectations deteriorate or when the growth potential is met, stocks in the portfolio are sold. It is not the Fund objective to gain from short-term trends on the gold market. However, the Fund can marginally take positions on ETFs which provide long and/or short exposure to the gold index or others mining indexes with the objective to increase or to secure the performance.
In 2009-2012 the prevailing “risk-on, risk-o ” dynamic in financial markets also caused capital to move in and out of commodities rapidly, which reinforced taking a disciplined approach to risk-taking. For specific information on the types of investments offered by WIC’s commodities asset management, please contact us directly.
CORPORATE LENDING AND CREDIT FACILITIES
MAKING A DIFFERENCE … TO THOSE WHO MAKE A DIFFERENCE
Fast-paced, volatile and highly competitive, the market for Corporate Lending is hazardous territory for the inexperienced. Successful transactions call for skill, foresight and reaction in equal measure. WIC offers a variety of financing schemes designed to meet your specific requirements. Our involvement in Corporate Lending and Credit Facilities is not a product related activity: it forms a part of the our integral specialized account management services to its clients. In this demanding market, all customers are perfectionists. The customer rightfully demands that banks are thoroughly aware of the business and its market conditions, as well as capable of prompt and creative actions. Our service is designed accordingly.
Our financing specialists are active in:
- advising client on analyzing the potential capital structure and financing solutions available across a broad array of debt products, including addressing credit rating implications
- providing structuring and execution of lending transactions
- granting access to significant size financing through the international syndicated market
- offering facility and security agency services for Corporate and Structured Finance transactions
Corporate Lending
Handles loans to corporates with a view to the meeting clients’ financial needs connected to specific investments or generated by growth. Financing solutions are offered to large or mid-size domestic and international corporate clients, whether industrial or service-oriented.
- Bilateral loans
- Club-deal loans
- Syndicated loans
- Leveraged Finance
Provides financial support to corporate and institutional investors on leveraged transaction involving the acquisition of stakes of listed or non-listed companies. Develops, arranges, structures, underwrites and executes a full array of financial solutions arranged in complex fashion and, because of their size, often syndicated on the international market.
- Acquisition Finance
- LBO/MBO Finance
- Structured Finance
Thanks to a solid experience across a broad range of industries, advises clients on the whole structure of transactions involving industria or infrastructure investment/projects, including bid strategy, selection of the most ecient type of debt instrument, hedging techniques, contractual structuring and financial modeling.
- Project Finance
- Infrastructure Finance
- Real Estate Finance
- Export Finance
Provides nancial support to exporters of goods and services to counterparties usually located in emerging markets, including with the support of government organizations granting the insurance cover and/or interest rate subsidy (such as SIMEST, SACE or other European export credit agencies). Structuring of transactions, often syndicated, goes hand-in-hand with advisory services provided to clients in respect of negotiations with commercial counterparties and nancial or sovereign institutions.
- Export credit (BuyersTM Credit, SuppliersTM Credit)
- Trade Finance, L/C Facilities
- Pre-export Finance
- Commercial loans
- Untied loans
- Islamic Finance
For further information or if you want to receive our Standard Fees, Commissions, please contact us.
FINANCIAL DISTRESS RELIEF
The economic downturn beginning in 2007 is associated with a marked increase in defaults of private equity ownership rms which obtained leveraged loan nancing between 1997 and 2010. Approximately 50% of defaults involve PE-backed companies. However, PE-backed rms are no more likely to default during this period than other rms with similar leverage characteristics. But defaulting rms that are private equity backed spend less time in nancial distress and are more likely to survive as an independent reorganized company versus being sold to a strategic buyer or liquidated. The ability to restructure more eciently seems to be aected by the private equity sponsor’s nancial as well as reputational capital. In contrast, recovery rates, junior creditors are lower for PE-backed rms.
Leveraged buyouts (LBOs) by private equity funds have played a dominant role in corporate nance for more than two decades.
Dating back to 1989, proponents have identied the benets of LBOs including the discipline of high leverage, concentrated ownership structure, and monitoring by private equity (PE) sponsors. Relatively less attention has been given to the potential downside of these transactions, namely that their high debt levels greatly increase the risk of nancial distress. The most recent LBO boom, ending abruptly with the beginning of the nancial crisis in 2007, has left a record number of PE-owned rms in default.
To assess the impact of PE owners on defaulted rms, we focus on four observable measures: the restructuring type (in versus out of court), restructuring outcome (ability to reorganize as an ongoing independent concern), time in restructuring, and recovery rates. Conditional on default, PE-backed rms are more likely to remain independent rms after default, rather than be sold to another company or liquidated piecemeal. Interestingly, this result is driven by PE- backed rms being more likely to survive when they are only financially rather than economically distressed.
Moreover, PE-backed reorganizations are resolved more quickly than non PE-backed rms. The differences in time-to-resolution are both statistically and economically significant, with PE- backed rms completing reorganizations four months (27%) earlier than control rms, holding other risk characteristics constant. This result is partially explained by a higher frequency of pre- packaged bankruptcies among PE-backed rms. Within the PE-backed defaults, we also nd evidence that rms backed by PE sponsors with more financial and reputational capital are more likely to restructure out of court, resolve their financial distress quicker, and are more likely to remain independent after financial distress is resolved.
Personal debt has also become one of the biggest concerns for most developed countries. An average US household is estimated to have about $19,000 of non-mortgage debt. When debt loads are this heavy, individuals nd it extremely difficult to repay their debts. A credible and experienced lead financial adviser is key to reaching a consensual debt restructuring between a borrower and its creditors that yields the best return to all parties concerned.
As an independent party, WIC actively manages the debt restructuring process and deals with issues faced in an objective and timely manner for a successful outcome.
It is imperative that a business which is faced with funding issues or in distress develops a rapid response plan in order for it to survive. A turnaround plan becomes essential when:
An under-performing business or subsidiary of an otherwise healthy group needs to improve its performance;
Management requires situational support during a turnaround planning process; or a significant cash shortfall needs addressing through performance improvement, capital raising or disposal.
Our restructuring suite consists of a range of services which can be customized to meet the unique needs of each client. For specific information on the types of financial distress relief services offered by WIC, please contact us directly.
FOREIGN DIRECT INVESTMENTS (FDI)
The center of gravity of the world economy gradually moves to Asia. The volume of foreign investments in the Russian economy after Russia’s joining the World Trade Organization (WTO) will grow by several times (foreign direct investment in the Russian economy already increased by 8 percent in 2012 totaling $76.743 billion).
Here at FAF, we strongly believe this trend will continue at least in the near term – 3-4 years. Russian public sector debts are low by global standards, at 14 per cent of GDP and although government budget forecasts have traditionally been conservative, notably on the oil price, good investment opportunities will certainly present themselves shortly.
Located in one of the world’s most resource-rich regions, the Russian Far East suggests major potential interactions with some of the fastest growing economies in Northeast Asia, namely, Japan, Korea and China. Russian economic reform have increased the chance of realizing such potential. The Russian Far East could help Japan and South Korea to increase the security of resource supply for the two countries’ economies, whereas the Russian Far East could take advantage of these countries’ capital and technology to speed up regional economic development and the region’s integration into the Asia-Pacific economy.
In China, our investment priorities mainly include: new agriculture technologies, comprehensive development of agriculture, energy resources, communications, important raw materials, new and high technologies, export-oriented and foreign-currency-earning projects, comprehensive utilization and regeneration of resources, prevention of environmental pollution, and those that give play to the advantages of China’s Midwest areas.
Creating innovative solutions tailored to the financing needs of the growing private entity
Provide operational and strategic support to management using resources and a broad network of contacts in collaboration with management
Arrive at coherent and achievable business plans
THEREFORE WIC :
Selects investments based on economic and nancial objectives, and an assessment of the commercial return.
Allocates capital and assets within the given risk tolerance of the owner to maximize shareholder value.
Usually does not seek an active role in the companies in which it invests nor attempts to inuence those companies’ operations.
VISION
By 2004, U.S. consumers, equipped with debit cards and 48% more credit cards than the previous decade, were buying up big-screen TVs, gadgets like iPhones, and designer brands such as Gucci and Jimmy Choo. Consumer debt had risen 67% to a peak of $2.57 trillion in June 2008. Similarly, large and small businesses borrowed heavily to finance a wave of mergers and acquisitions.
By the end of 2006, homeowners were defaulting on their mortgages at an alarming rate. Foreclosures hit record highs. Creditors went bankrupt by the dozens. By the end of 2009, over 14% of homeowners with a mortgage were behind on payments or facing foreclosure. Bear Stearns and Lehman Brothers, which had bet heavily on mortgage-backed securities, were fatally wounded. The domino effect in the banking sector and other industries triggered a recession that led to massive job losses and a sharp decline in consumer spending. Stocks recovered some of their losses, but for most investors, it would appear as a lost decade: the first 10-year period in which investors saw a negative total return. During the general financial crisis between late 2007 and mid-2009 and the subsequent market shocks (in March 2008, the price of gold soared above $1,000 per ounce),
WESTWARD INVESTMENT CORP. not only significantly reduced its losses after the stock market crash and its subsequent steady decline, but it also quickly adapted to the new market conditions. For example, medium and large companies, while often boasting excellent production capabilities, are particularly vulnerable to the effects of globalization. They typically struggle to adopt a “mentality” and an integrated set of tools necessary to compete with international competition. The most important resource for these organizations, now more than ever, is the ability to “read” the markets; to quickly grasp the implications and opportunities, the potential of the global economy.
This is a scenario for companies that, on the one hand, represents a world of new business opportunities and potential commercial growth, but, on the other hand, a significant increase in “out-of-pocket” and structural costs necessary to take advantage of it. And this not only in the development of their business, but also in the need to oversee and maintain their “normal” market share. WESTWARD INVESTMENT CORP. provides companies with an integrated, coherent, and practical package of tools and skills necessary to address this scenario. In addition, we help them create synergies and shared objectives, guiding and assisting them in seizing new financial and non-financial opportunities. Through the creation of appropriate partnerships between companies, WESTWARD INVESTMENT CORP. creates a synergy of complementary financial products and services, making our company more competitive on a global scale.
Westward Investment Corp.’s core business areas
- Financial rescue services
- Business lending and credit support
- Small business financing
- Mortgages
- Overseas direct investment
- Commodities trading
In essence
We provide an objective perspective, backed by the willingness and flexibility to look beyond the easy deal. Designing a well-structured liquidity solution is always a dynamic process where the liquidity provider engages the client in a conversation. Rewards, long-term relationships, data-driven consulting, access to essential resources and exceptional execution: welcome to Westward Investment Corp..