Solutions Equity Capital, SA. Private Equity Capital For Straight Debt & Joint Venture Project Funding

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2 Solutions Equity Capital, SA Private Equity Capital For Straight Debt & Joint Venture Project Funding

3 THE SOLUTION Solutions Equity Capital, SA (SECSA) was formed in 2011, with the merger of MortgageCostaRica S.A., and Solutions Project Funding S.A., forming a Private Equity Fund and creation of our direct funding programs. We are domiciled in Costa Rica and Panama. We offer straight debt, joint venture, and combination programs to qualified projects, as detailed herein. Geographically, we consider straight debt funding in stable locations and jv funding in Central America, Caribbean, US and Canada primarily, with other locations on a case by case basis.

4 DIRECT FUNDING We are the check writers, using our funds and lines of credit, or combining our funds with other correspondent programs, bonds issued via the bank, and or joint ventures with our private equity. We are not a platform, trader, or broker, and represent our own direct fund program.

5 Our primary target projects are those that can meet the project funding guidelines below... Funding is offered to developers with significant equity, skin in the game, the net worth to complete the project if funded at the requested level, and the experience to make it happen, on time and budget. The project must be shovel ready, fully verified in all aspects, and offering a product acceptable in this economy by their target market of buyers and location. Verification-Is the key for our funds, borrower, project equity, loan to value, projected income, loan to costs, permitting & approvals, exit and loan repayment via the documents you submit and our site inspection. Construction/Development-is our focus, distributing the loan amount over an agreed to draw schedule with monthly disbursements.

6 Equity Invested-We only accept projects with 10%-20% equity invested by the developers prior to our funding, for straight debt, and less means a jv funding only. Our funding programs may go as high as 95-98% funding in a jv program,, but do not exceed 80% for straight debt, requiring a 20% down payment. Smaller down payments equal joint venture only. Loan to Value-75% or less of the completed project value, at the completion of construction and income stabilization. We will fund 100% of the future costs after closing, but we do not accept submissions requesting 100% plus costs funding. Project Documentation-Professionally prepared in content and presentation, fully describing the project, under the funding guidelines offered, rate and term, etc, and in some cases, we will require third party verification and feasibility of the project.

7 . As a qualified project funding source, most well prepared, well documented, and real projects find their way to our offices eventually. We carefully screen, analyze, and investigate each project to determine... 1.Equity, invested prior to funding 2.Management 3.Liquidity, down payment 4.Permits & Approvals 5.The Right Plan, Product, and Documentation for the local economy, price points, etc. 6.Developer Experience 7.Inspection, Verifications, and Draw Schedules 8.Product Mix 9.Full location analysis & site visit 10. Proper structure for the location, Mortgage, Trust, SPV, etc

8 FUNDING PROCESS The funding process will always begin with the borrower submitting the project on our intake submission form, which must be completed 100%. We do not initially want or need business plans, financial projections, etc as they will need to be changed to match the funding offered. See for the forms. The submission form is the first thing our Board sees, so tell us the story. From that point, we begin detailed discussions of the project, answering your questions, detailing the funding proposed, procedures, costs if any, structure, and timing. When the project is approved, for one specific program, and all parties have indicated their acceptance, we will issue an approval, with one or more contingencies, for site visits, down payment, project verification, structuring a joint venture, debt, local entity if a Trust or SPV is involved, etc. Most of this will be accomplished via a site visit by our staff, which is paid by the borrower. We do not have other costs of any kind in our funding approval, and the loan approval will detail the agreed to down payment required, if any, bank to bank escrow, or other costs directly related to the funding and closing. We do not accept submissions from borrowers requiring 100% plus cost funding. The following guidelines are general in nature, and detailed step by step procedures are available at your request.

9 SUBMISSION PROCESS Our intake submission form is the first contact from borrower to bank, that will either get our attention, and open the door to discussion, or to be honest, get your file deleted. The forms per project type are found on our website, or you may request them via . It is crucial that you follow the directions found on page 1, and complete the form 100%. We receive over 200 submissions monthly, and 99% are of no interest to our fund, or others. Incomplete information, hand written, or referencing other documents instead of answering the questions in the form, puts your file into the 99% above we do not look at. With the completed form, we will reply quickly to any original submission meeting our guidelines herein, and begin discussing the project in detail. We do not want your business plan, financials, or other presentation materials at this point. That time will come soon enough, so please take the time to complete the form in full, tell us your story, as requested and forward to our offices via .

10 STRAIGHT DEBT VERSUS JOINT VENTURE DEBT PROGRAM Requires 30% Down Payment Requires 15% Liquid Net Worth Requires 15% Invested Equity Prior to Funding JOINT VENTURES Requires Down Payment of 2%-29% Requires Liquid Net Worth of 2%-10% Requires Equity Invested Prior to funding of 5-14% or more case by case. Rate, Term & Equity Positions are determined project by project, on loan to value, loan to costs, down payment, project type, funding amount and location.

11 REAL ESTATE CONSTRUCTION/DEVELOPMENT We fund construction development from USD $10 million and up via straight debt, joint venture and combination programs. Straight debt funding is available at 80% loan to costs of development in most stable locations globally. This program requires the developer to have 20% of the requested funding amount in new cash for down payment. Terms and rates are set project by project. This program is a direct funding from our SECSA Equity and we are the check writers. Joint Venture funding is available in the USA, Caribbean, Central America, and other locations on a project by project basis, from 90% to 98% loan to costs. Our jv position will be determined on a project by project basis considering developer equity invested, loan to value, and loan to costs. We offer combination programs globally, but only to the best of the best, those projects that can clearly demonstrate an ability to deliver, complete and operate the project. Projects that cannot or will not supply a minimum cash to funding at 2% of the requested funding amount are not accepted on any program.

12 RENEWABLE ENERGY We fund renewable energy via a direct debt or jv fund with our bank funds, or by issuing a corporate bond via a correspondent relationship with an international firm providing guaranteed funding on investment graded bonds. From USD $10 million and higher our program is 20% down for straight debt, and all other submissions with less down to 2%-10% down payment will be jv, but we add Europe, South America, & Canada to the list of jv locations. India, Africa, China and Asia are examined project by project. Bonds are used to fund larger projects from $75 million and up, and require 15%-20% invested prior to funding, an investment graded PPA of BBB or higher, and.5% to 1% liquidity. Strong projects with less liquidity are considered for a jv funding.

13 IN/ABOVE GROUND ASSETS We fund in ground or above ground assets like oil, gas, minerals and precious metals in the US, Canada and Central American areas from $10 million and up, via straight debt with 20% down, and jv with 2%-10% down. All other areas begin at $75 million USD and up only, straight debt requiring 15%-20% equity invested prior to funding, an investment graded off taker or purchase orders of BBB or higher and full verification of the assets via internationally recognized industry standard verification reports, assay, etc. In some cases, significant asset value at 150% of funding and higher may be substituted for equity invested. Fully verified assets may qualify for a jv with 2%-10% down on a project by project basis outside of the areas above.

14 CORPORATE/SOVEREIGN FUNDING Corporate bonds can be issued to Corporations & Sovereigns that carry an investment grade rating with Moody s, Standard & Poor, Fitch, etc of BBB or higher, or firms with an off take or purchase orders sufficient to service the bond on a 10 year term. This program begins at $75 million and up globally for all stable locations and regions. Costs and fees will average less than 1% of the funding amount to the bond underwriters and we will accept submissions for a jv that do not have the 1%.

15 INFRASTRUCTURE Infrastructure funding requires an investment grade sovereign, bank, or corporate guarantee, and is available from USD $75 million and up. Liquidity required varies on fund size, but typically the borrower entity cannot obtain higher than 99% funding. Projects that cannot meet the guarantee above are not currently being accepted.

16 BROKER REFERRALS We accept project submissions from professional brokers each and ever day, so if you are a Broker, welcome to Solutions. If you are being represented by a Broker, no issue. We require a clear and executed NCND and fee agreement with full disclosure of all parties to the transaction. Brokers should have an executed representation agmt in place for the project being submitted, and it must be filed with Solutions. Brokers must be direct to the Project and have signed agreements stating so. What we do not accept are Broker chains of any form, and Brokers with unrealistic fee requirements or expectations. Professionals that can follow our guidelines and be a part of the process, not a hindrance to it, are always welcome, and you will find when working with Solutions, you have a trusted direct funding source for multiple clients in the years to come. Our referral fee to brokers is set in stone, signed prior to your providing detailed information on your client and ranges from 1% of funding arranged on projects to $50 million USD, and decreasing on a sliding scale for funding amounts exceeding $50 million USD. All fees are paid directly by Solutions, and there are no side agreements, outside of closing commissions, additional fees or compensation allowed of any form under any name. Violation of this policy will terminate the submission, and if post closing will be a loan default by borrower resulting in loss of the funding and or project. Contact us today to discuss our requirements, obtain our NCND, fee structure, and to begin the funding process for your exclusive clients.

17 DUE DILLIGENCE WORKS BOTH WAYS Part of our process is to fully verify the persons, companies, and projects we work with, and we fully recognize that a potential borrower not only should, but needs to verify us. No Issue of any kind. We will verify similar projects funded, clients we have worked with, legal and banking references to the borrower, once we have accepted the project and believe we can fund it. We will provide legal and bank information that you can verify with a phone call or visit, and project verifications are supplied face to face, on the project site, with the previous borrower we funded. It serves no purpose to give you a name, number or . You have no idea if the person is real, the web site is real, the is real, and represents a real funding, that closed. We will meet you face to face, introduce you to the borrower, on site at his or her project, and document the fact that we funded, what the project is, its current status, and provide closing verification documents for you to view. All site visits are paid by the borrower, including our travel, but if you are serious about funding your project, we will prove our program, clients, and success to you at the proper time.

18 CLOSE YOUR FUNDING WITH SOLUTIONS Simply put, we have the funding ability, transparency, and proven ability, experience, liquidity, and processes to fund projects in our key sectors, that meet our guidelines. Our funding team, headed by David Ingram and his staff of professionals, insures a smooth process, with the results discussed, the funding approved, and the flexible structure adapted to your unique project and requirements. We are The Solution.

19 We appreciate the time you have take to review our information. Please contract us directly to discuss your project, requirements and unique situation. Project Submission forms are available at our web site for download, at and you can always is at with questions or information requests. Phone Conference Line Access # Skype MortgageCentralAmerica