Infrastructure Lending (No Due Diligence fees)

• No Due Diligence fees to the customer. Lender will pay for them.
• Very selective, due to high demand, very low chance of acceptance (of customers’ applications.)
• Loan will cover 60% – 70% LTV (Loan-to-value). Payclass has Gap programs to fund the balance (30-40%).
• PriceWatersCoopersHouse (PwC), one of the largest consulting firms in the world will administer the loan on Lender’s behalf as custodian
• Only shovel-ready projects. (Payclass has other programs to assist with land acquisition, feasibility studies, and pre-construction funding)
• Interest rate: range is 6-12%, project and region specific
• Minimum project size $30m, current Maximum is $5bn. Potentially larger size for repeat customers.
• Geography:
  • Worldwide, US included
  • Preference regions: South-East Asia, Latin America.
  • Exclusions: South Sudan, Central African Republic, Iran, Russia
  • Bank will review more deeply and require more risk assessment for Risky geopolitical regions.
• If administrators (PwC) assess that application may be a feasible transaction, Customer will need to attend a face-to-face meeting with Bank / Administrator in Asia, or if larger transactions at Customer’s country of choice.
• Shovel-Ready Projects including the following as well as any PPP (Public Private Partnerships),
• Solar/PV Energy Projects
• Onshore /Offshore Wind Energy
• Oil & Gas Projects (No Exploration)
• Energy Storage Projects
• Biomass/Waste-to-Clean Energy Facilities
• Geothermal & Natural Gas
• Dams
• LNG Projects
• Hydro/Thermal Power Projects
• Road/Bridge Network Construction
• Airports/Aviation Infrastructure
• Sea Ports & Marine Infrastructure
• Railway Infrastructure
• Telecom & Communications Infrastructures
• Digital Infrastructure Projects
• Natural Resources extractions, e.g., mining, metals, etc (no exploration please)
• Social Infrastructure – Schools, Hospitals, Courts Projects, etc.
• Government-Backed Mass/Social Housing Schemes
• Water Infrastructure/ Wastewater/Desalination & Management
• Manufacturing Projects, e.g., Cement Factory, etc.
• Large-scale Food Production/Green Agricultural projects
• Commercial Real Estate / Also Hospitality
• Manufacturing of Chemical Tankers, Shipping Vessels, Airplanes, Trains, etc.
  • PPP (Public Private Partnerships) Projects. These are mostly government established transactions coming mainly out of Sub-Sahara Africa and South-East Asia, though also used in the US for as an example Water Treatment Facilities, etc.

Project preferences:

• PPP infrastructure
• Public housing
• Telecommunication towers
• Solar power plants
• Commercial real estate

Documents to start:

• Deck
• Exec Summary
• Proforma

Timeframe to process & close: 5-8 Months, funds transfer is relatively quick