Hybrid Loan Product: Combines Collateral with Cash Flow Underwriting (Low Doc Loan)

This program was created by a long-term, acquaintance from my hometown, Chicago.

Hybrid Loan Product: Combines Collateral with Cash Flow Underwriting (Low Doc Loan)

This loan product is UNIQUE and has some components that separate it from the competition. Using 2nd Liens and Land/Cars/Boats as collateral with high LTV’s.

  1. Requires that you have a cash flowing business entity depositing at least $6,000/month
  2. Must show a minimum of 3 months of deposits (3 months in business qualifies)
  3. Available in all 50 States
  4. Collateral required: 
    1. Commercial and Residential Real Estate (even primary residence)
    2. LAND is acceptable
    3. Assets such as Equipment, Cars, RV’s, Boats are acceptable
  5. Loan to Value ranges from 40% to 90% depending on the collateral (Real Estate the highest LTV)
  6. 2nd liens on Real Estate are acceptable, but 1st liens preferred
  7. Interest rates in the 20%+ range due to low documentation/credit scores, high LTV’s, 2nd liens, land, etc.
  8. Loan Terms:  Longer than typical Merchant loans (typically years not months)
  9. No Prepayment Penalties...use this loan to "bridge" the sale of real estate, a boat, car or equipment
  10. Payments:  Monthly, bi-weekly or weekly as opposed to daily
  11. Common Sense Underwriting
    1. Offering loan amounts & payments/debt service the company can manage
    2. Focus is on the character of borrower, not the credit score
    3. Defining "Character"…is the borrower fully disclosing debt, liens, IRS or mortgage issues?  Transparency and honesty will make or break the loan.
    4. Low 500 credit scores acceptable because Character is more important than a credit score
  12. NO Front Fees…the lender even covers valuation expenses (appraisals/BPO's) which are reimbursed at closing

Final Note:  If you or your client qualify for better rates, I will move you to a lender in my portfolio that will achieve that goal.  But if credit, no income documentation, short time in business or unusual collateral means this is the lender that will deliver capital for you, it provides you with options.

Email or call with deals or questions.

Regards,

In your service,

Joseph P. Tufo

CASH FLOW SPECIALISTS LLC 

San Francisco Bay Area

925.352.6000 Direct, WhatsApp, Telegram, IMO, Viber, Signal

Skype: jptufo

jptufo@protonmail.com

joe@joetufo.com  

Available 8 am to 6 pm Pacific M-F.

http://www.workingcapitalfast.com

https://www.facebook.com/Fundyourbusinessnow/

Disclaimer: The information contained on these pages is for educational use only, for the intended recipient. The sender is not a securities dealer, financial advisor, broker, or titled entity. If you require financial advice, consult a licensed professional. 

Do you need business loans, startup capital, or project funding?

Do you need business loans, startup capital, or project funding?

https://docs.google.com/forms/d/e/1FAIpQLSclIl3_79V5lOV3QqbGKaWF0n4oxE39thW_PJmO7mgHS2C3Gw/viewform?vc=0&c=0&w=1

We fund viable projects of societal value globally. Our sweet spot is $50million to $6billion but we have funded larger and smaller projects.

We solve problems and serve.

In Your Service,

Joseph P. Tufo

Cash Flow Specialists, LLC

Certified Cash Flow Consultant,

Certified Capital Specialist

925-352-6000 Cell

800-669-2700 (USA Only) 

josephptufo@gmail.com

joe@joetufo.com

http://www.workingcapitalfast.com

https://www.facebook.com/Fundyourbusinessnow/

http://www.davidallencapital.com/101769243

Skype: jptufo  
LinkedIn: http://www.linkedin.com/in/joetufowww.linkedin.com/in/joe-tufo-l-i-o-n-CFSI

Facebook: http://www.facebook.com/joetufo

Twitter: https://twitter.com/joetufo

Commercial Real Estate Loans, Business Funding, Project Funding, Specialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More... 

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation

Trust, Integrity, and Service Here Today Here Tomorrow

You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area 

Fund your viable projects of societal value now!

http://Emergencybusinessrelief.com/161423 Our Average Client Receives $240,000 in Tax Benefits!

Proverbs 16:3  Commit to the LORD whatever you do, and he will establish your plans

Available 8 am to 6 pm Pacific Monday - FridayThe greatest compliment we ever receive is referrals from ecstatic clients and valued friends. They're the most powerful introductions, that help us help others, quickly, ethically and dramatically grow their businesses. Thanks for not keeping us a secret! 

*************DISCLAIMER*************

ANY MATERIAL EXCHANGED BETWEEN THE PARTIES HERETO IS FOR DISCUSSION PURPOSES ONLY AND ARE PRIVATE IN NATURE AND ARE NOT A SOLICITATION TO THE PUBLIC. 

Sender declares that he is not a licensed United States Securities Broker or Dealer or U.S. investment adviser, and both parties declare that this e-mail is not intended for the buying, selling, or trading or securities, or the offering of counsel or advice with respect to any such activities. **By accepting and opening this email, you have agreed to a binding non-disclosure & non-circumvent that ensures complete confidentiality between the reader and creator of the contents/attachments presented in this e-mail, which further prohibits any promotion, discussion, replication or additions without the consent of Cash Flow Specialists, LLC *The content of this e-mail does NOT constitute a contract of services or promise of services or investment or promised investment capital toward any concept, idea or project referenced or directly addressed in the body or relating portions of this e-mail. This e-mail is merely designed as an exchange of ideas.** This email transmission and any attachments are for the sole use of the intended recipient(s) and may contain confidential and privileged information that is the sole property of Cash Flow Specialists, LLC  Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender and destroy and delete all copies of this email and any attachments. These Confidential communications are protected under Gramm-Leach-Bailey Act 15 USC, Subchapter 1, sections 6801-6809 and other laws addressing the disclosure of Non-Public Personal Information. 

$50Million to $6Billion Funding! Begin Tranching In 30 Days!

$50million to $6billion Funding!

Let’s Get The USA and The World Back To Work!

Fund Your Viable Projects NOW! $50 million to $6billion, begin tranching in as little as 30 days!

The 3.5% Collateral Fee has been slashed to $100,000 to cover legal and miscellaneous fees. The time to fund has been reduced to as little as 30 days to begin tranching from 45 to 60 banking days. This is “the deal of a lifetime” for those who take action NOW!

Until recently it was $3,500,000 for $100million in funding, and $35million for $1billion in funding. 

This new, limited time, program is a flat charge of $100,000 for legal and miscellaneous fees due when you sign your contract, no exceptions. 

If your project is located in the USA and you bank with JP Morgan Chase, Bank of America, Wells Fargo, or Citibank you will begin tranching in as little as 30 days after you pass due diligence, sign your contract, and wire the legal fees. 

If you bank with a Top 25 bank globally you will receive your first tranche in about 30 banking days. The amount is determined by the funder from your use of funds you provide with your application. Don't forget our 10% commission is subtracted from each tranche so please adjust your "ask" accordingly. The banks also subtract 2.5% as a "tranching fee."

Deloitte monitors your project progress, it doesn’t get any better than that. 

For every benefit, there’s a cost, and the cost of this program is "on sale" for an indeterminate amount of time. 

There are trillions of dollars available, don’t miss out like 97% of businesses in the USA recently did when the SBA ran out of stimulus money.

This is our attempt to jump-start viable projects of societal value almost everywhere in the world.

Commissions are 10% because the funding is non-recourse after the loan is paid back by the Collateral Provider in about a year. You save 300 +/- payments saving you a bloody fortune.

Some, who want an ongoing business relationship, and want to leverage my 43+ years experience in insurance, securities, and funding including being president of a Los Angeles based commercial lender and chairman of the loan committee, have chosen to award us equity. Three have done that recently.

Collateral Provider Procedures

“The No-Brainer Transaction”

1) Upon receipt of documents (CIS, Project Summary, D/L (US citizen only) or Passport and POF of $100,000 for legal and miscellaneous fees, CFS LLC 10% Commission Fee Agreement, CFS LLC Mutual NDA) and final explanation call with the client if required if necessary.

2) The client will submit the requested documents to the provider.

3) The provider issues the contract and sends directly to the client.

4) Client signs and returns the contract to the provider. 

5) The client wires a deposit of $100,000 for the legal and miscellaneous fees to the holding account identified by the collateral provider.

6) The client notifies the collateral provider that the fee has been wired and a copy of the receipt is provided.

7) Provider confirms with that wire is indeed received.

8) The provider notifies CFS LLC (Tufo) when the wire clears.

9) The provider sends the loan doc's to the client. 

10) Legal fees are automatically returned if the loan does not go through, but has nothing to with the provider side. The refund is made by the Overseas Partner if the loan fails to fund.

11) Our overseas partner contacts the client and walks them through the loan application.

12) Collateral provider and associates funds $50M- $6B (more on a case by case basis.)

  • Commodities 
  • Assets 
  • Hotels and Resorts 
  • Commercial Developments
  • Construction Projects
  • Energy Projects
  • Waste to Energy
  • Plastics Recycling
  • Office Building Complexes
  • Working Capital
  • Real Estate Based Programs
  • Commercial Turnaround and Development
  • International Development/Construction
  • Apartment Complexes and Condo Developments
  • Infrastructure Development of Third World Countries
  • International Mining and Agriculture
  • Water, Energy, and Green-Related Projects
  • Business Growth and Expansion Projects
  • Casino’s
  • Oil
  • Airport
  • Marina
  • Amusement Park
  • Shopping Center
  • Leveraged Buy-Out
  • Corporate Jets
  • Hospital

Can aggregate projects

Needs collateral to get funding has the $100,000 for “skin in the game.” 

CIS, Detailed Use of Funds, Color Scan Passport (outside the USA), or Driver’s License (the USA only), screenshot bank account to cover the $100,000 for legal and miscellaneous fees, CFS LLC Fee Agreement, CFS Mutual NDA.

Email your Executive Summary to joe@joetufo.com or jptufo@protonmail.com and we’ll send you the paperwork. 

Remember the minimum funding is $50 million, $6 billion maximum. The maximum approved to date is the first $6.6 billion project of multiple billions in projects here in the USA.

I’ve known the Collateral Provider for about 15 years. I visited with he and his wife and a prospective client on Friday, June 7, 2019, in Irvine California USA. If Shelter in Place is lifted in California we will meet soon. 

We have a $2,997 three-day one hour a day live video challenge/training and Q&A teaching self-funding/capital raise for those unfamiliar with the concepts. Save 300+/- payments when you learn to self-fund/capital raise versus borrowing and living under the burden of debt. 

https://www.paypal.me/JosephTufoCFSLLC/2997

The $50million to $6billion+ Collateral Provider Program is unique. It’s non-recourse after the Collateral provider pays off the loan by the end of year one. It requires just $100,000 (formerly 3.5%) as a "cost of doing business." At funding, there's a 10% commission paid from proceeds. There's also a bank 2.5% tranching fee. There's no loan obligation so clients save 300 +/- monthly payments, MAI appraisals, annual audited financials, and refinances every five years and the time and stress associated.

When you get ready to move forward, we need everything in ONE email. If you don't have these items please write me at either joe@joetufo.com or jptufo@protonmail.com (encrypted.)

CIS (Client Information Summary)

Executive Summary (you can use of our templates or create your own.)

Use of Funds

CASH FLOW SPECIALISTS LLC Mutual NDA

CASH FLOW SPECIALISTS LLC 10% Fee Agreement 

Color Scan of Passport front and back (outside the USA) or 

Color Scan of Driver’s License front and back (the USA only)

Bank Statement proving you have the $100,000 to transact business.

Don’t procrastinate. Let’s get you funded now.

My business is saving you money. I want to go to work for you. 


Billions of $$$ of relief.

http://Emergencybusinessrelief.com/161423

In your service,

Joseph P. Tufo

CASH FLOW SPECIALISTS LLC 

San Francisco Bay Area

925.352.6000 Direct, WhatsApp, Telegram, IMO, Viber, Signal

Skype: jptufo

jptufo@protonmail.com

joe@joetufo.com 

Available 8 am to 6 pm Pacific M-F.

http://www.workingcapitalfast.com

https://www.facebook.com/Fundyourbusinessnow/

Disclaimer: The information contained on these pages is for educational use only, for the intended recipient. The sender is not a securities dealer, financial advisor, broker or titled entity. If you require financial advice, consult a licensed professional. 

CASH FLOW SPECIALISTS LLC and the $25,000 VIP FEE

CASH FLOW SPECIALISTS LLC and the $25,000 VIP FEE 

"The typical commercial mortgage brokerage company fails within three years."  If there are 50 commercial mortgage brokerage companies on my mailing list in year one, by year three that list is usually down to just ten to twelve surviving brokers."

Construction loans are very difficult to close because 99% of developers who seek out a commercial mortgage broker for a construction loan do not have enough equity in the deal. 

Are any of you guys savvy stock pickers? 

If so, you might want to consider shorting those companies which provide services to the construction industry.  For example, those companies that manufacture, deliver, and/or set up huge construction cranes are likely to face some tough years ahead.

Why?  There may be very little new commercial construction - apartments, office buildings, shopping centers, residential subdivisions - over the next three years.

The reason why is because the banks have stopped making new commercial construction loans.  Banks are terrified right now, and the first thing that banks do when they get scared is to stop all commercial real estate lending.  

This lending freeze is especially true of commercial construction loans.  I have lived through three commercial real estate crashes in my forty+ years in financial services - the S&L Crisis, the Dot-Com Meltdown, and the Great Recession.  Each time commercial real estate declined by almost exactly 45%.  Remember that number - 45%.  Commercial real estate may decline by 45% again as a result of this Coronavirus Crisis.*

It's almost like a game of musical chairs. 

Whichever banks are caught with construction loans outstanding are the ones that take the largest losses during the commercial real estate crashes that seem to happen about once every twelve years.

It is important to grasp the concept that local commercial banks make 95% of all commercial construction loans. 

Construction loans are are funded gradually, as the work progresses.  If you just gave a developer $50 million to build an apartment complex, he's likely to skip the country, along with his girlfriend/wife to some sunny beach to South America.

Because his girlfriend/wife looks awfully good in a string bikini, we simply cannot trust Don Developer with all of the money at once. 

Instead, the proceeds of the construction loan are paid directly to Don's subcontractors, and they are paid only after the subcontractors have correctly completed their work. The bank has to sign off on this work too, after it has made a progress inspection. A progress inspection is a quick inspection by a bank employee to verify that certain construction work has been properly completed.

Every ten or fifteen days the bank has to send a loan officer out to the construction site to take a look at the progress of construction.  The subcontractors will be clamoring to get paid.  Some huge New York bank, for example, couldn't possibly fly a loan officer all the way out to Phoenix every two weeks to make these inspections.  

This is why commercial construction loans are almost always made by local banks.

"But Joe, if the banks are too scared to make construction loans right now, why can't some other type of enterprising commercial lender start making them?"

There are several problems with this.  First of all, banks offer construction loans at rates as low as 4.25%.  I actually had to look up the current rate on commercial construction loans for this blog article, and do you know what I did?  I actually called several banks and private lenders. 

A competing commercial real estate lender (private money lender) might have to charge 8% to 11% for a construction loan, and that higher interest cost would cut deeply into the developer's profit.  An extra 4% interest on a $50 million construction loan is real money.

The second problem is that construction loans have to be disbursed as the work progresses.  That means that the lender has to sit on his dough, not earning any meaningful interest, until the developer is ready to draw down on his loan.  That's not very attractive for non-bank commercial lenders (think private money lenders).

The private money lender could fund the entire loan proceeds into a builder's control account and demand that the developer pay interest on the entire loan amount from Day 1; but this would be horribly expensive for the developer.  A builder's control account is an independent escrow set up to hold the proceeds of a construction loan until certain work is done.

The last problem with having a private money commercial lender make construction loans is that the lender will often be located too far away to make timely progress inspections.  Suppose the lender is based in New York City and the project is located in Maui. Progress inspections would be hard... but not impossible.

It has occurred to me that a great many developers across the world have started residential subdivisions, and they personally guaranteed their acquisition and development loans ("A&D").  They had their normal bank all primed to make the construction loan, once the horizontal improvements were in place.

An A&D loan is a loan to a developer to buy the land, to get it properly zoned, and to complete the horizontal improvements.  It's like a pre-construction loan.

Horizontal improvements including the clearing of the land, grading of the land, compacting the land, and installing streets, curbs, water, sewer, and power.

Now imagine you're a very good homebuilder, a responsible guy who tries not to use excessive debt or take too many chances.  You have successfully built out and sold off five previous residential subdivisions.  You have built up a respectable $70 million net worth.  You take out a $50 million A&D loan on your next subdivision.

Suddenly the Coronavirus Crisis hits, and the $50million balloon payment on your A&D loan, which you have personally guaranteed, is due in just three more months.  Your bank notifies you that they will not be making any construction loans for the foreseeable future.  You contact two dozen other banks, and they all say the same thing.  "Quick, Jack, what do you do?"  (Famous movie line.  Can you name it?  Hint: The bad guy lost a finger defusing a bomb.)

I think there is a real opportunity for some mortgage funds, if any of them have survived, to fund the completion of this project for the developer and to charge him an equity kicker of an absolutely insane percentage (85%?) of the profits. 

What choice does the developer have? He personally guaranteed the A&D loan!  He simply must get out from under that personal guarantee.

An equity kicker is additional interest, in addition to the nominal interest rate, that takes the form of a share of the increased value of the property or a share of the profits upon sale.  A common equity kicker might be 10% to 30%.  The nominal interest rate is the interest rate stated or "named" on the note.  

Conclusion:

If your brother-in-law is a union carpenter, he would be smart to apply right now for a job delivering goods for Amazon or Wal-Mart.  His construction job is not coming back.  There will be very few commercial construction loans funded over the next three years, which translates to very few required construction jobs.

*President Trump and the Fed are determined not to let commercial real estate fall by 45% again, so they are using massive deficit spending and even more massive quantitative easing to keep the U.S. economy from deflating like a pierced balloon.  The problem is that China is not taking similar inflationary steps.  I fear a deflationary tidal wave coming from China later this year, and that wave will impair much of Trump's and the Fed's inflationary efforts.  

What does this have to do with our $25,000 VIP Fee? 

$25,000 is a relatively small amount of money compared with the $50 million to $6 billion we have available through the 15+ year relationship I have worked very hard to maintain with a USA based commercial funder who has a trillion$+ in private aggregated funds to provide funding for viable projects of societal value globally. 

$25,000 separates the tire-kickers, know it alls, and time wasters from the serious action takers who value my time, funding relationships, and 43 years experience in insurance, securities, and funding. 

At age 69 I can’t afford to waste time. $25,000 insures that only serious minded responsible clients will apply. 

I can put my head down, focus on the very best possible presentation (funding is all about presentation,) and be confident we will get their project(s) funded in a timely manner. 

All fees paid are credited against commissions so the service is free.

If you live in the USA only:


My business is saving you money. I want to go to work for you. 


Billions of $$$ of relief. 

http://Emergencybusinessrelief.com/161423

In your service,

Joseph P. Tufo

CASH FLOW SPECIALISTS LLC 

San Francisco Bay Area

925.352.6000

josephptufo@gmail.com  

joe@joetufo.com 

http://www.workingcapitalfast.com

https://www.facebook.com/Fundyourbusinessnow/

Disclaimer: The information contained on these pages is for educational use only, for the intended recipient. The sender is not a securities dealer, financial advisor, broker or titled entity. If you require financial advice, consult a licensed professional. 

Need FAST Unsecured Funding?

Need FAST Unsecured Funding?

$20,000 to $400,000

Minimum 660 FICO

Minimum Annual Income $30,000

USA - All 50 States and All USA Territories

All Businesses Qualify

Average Approval $100,000

Approvals in 24-48 Hours

Fund in One to Three Banking Days Direct To Your Bank Account

Interest Rates Range 6% to 23 % with most in the 9% to 17% range

No Prepayment Penalty

15% Success Fee at Funding

Joseph P. Tufo

CASH FLOW SPECIALISTS LLC

Antioch California 

(San Francisco Bay Area)

925-352-6000 800-669-2700 

josephptufo@gmail.com  joe@joetufo.com 

http://www.workingcapitalfast.com

https://www.facebook.com/Fundyourbusinessnow/

Commercial Real Estate Loans, Business Funding, Specialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More... 

Fund your viable projects of societal value now!

Text/Email 24/7, 

Phone 8 am to 6pm Pacific M-F

Need FAST Cash? USA Only

Project Funding $10million to $5billion +

Project Funding $10million to $5billion +

You need 3.5% for this program. Read carefully. This will take about 45 +/- banking days to fund - about nine weeks. Loans larger than $500 million will take about 75 +/- banking days - about 15 weeks and will arrive in tranches starting at $500 million and monthly thereafter for about a year. Remember banks are generally shut down for lending purposes from the beginning of December to mid-February. 

The $10million to $5billion+ program is unique. It's full recourse from $10 million to $75 million and non-recourse from $75 million to $500 million and case-by-case above. It requires just 3.5% as a "cost of doing business." At funding, there's a 5% commission paid from proceeds. 

There's no loan obligation from $75 million+ so clients save 300 monthly payments, MAI appraisals, annual audited financials, and refinances every five years and the time and stress associated. They are treated like VIPs for as long as we're alive which is access 5:30 am to 9 pm Pacific Monday-Saturday except for holidays. I'm NEVER available Sundays. 

All our other programs are full recourse and they are structured as loans. The prime rate in the USA as of today January 31, 2020, is 4.75%. A $100million loan is $570,117.36 a month for 300 months and most loans are amortized over 25 years but due and payable in five years which means they need to be refinanced every five years. We've been in an artificially low-interest-rate environment since the global financial meltdown of 2008. Rates WILL continue to increase. This program saves a minimum of $171,035,209 and now you can see why we've selective on who we do business with and why we charge what we charge. 

I was a licensed insurance agent and broker for 22 years and securities licensed S-7 and S-63 for 19 years. I've been doing commercial real estate loans, business loans, and project funding since July 1, 1999, and I NEVER saw a program like this. What a blessing to prospective clients! Fund dream projects and incur no loan obligation. 

Every month you pay the bank for the next 25 years you'll regret NOT bulking up your ask to $10million, placing 3.5% for "cash in the game," and never making another payment or experiencing the stress and invasiveness of applying for another loan.

*This is a very interesting proposition if you need a minimum of $10million in funding and have 3.5% cash available immediately to fund your project: This is the funder I would choose $10million to $5billion+. Ask about non-recourse funding.

* Commodities

* Assets

* Hotels and Resorts

* Commercial Developments

* Construction Projects

* Energy Projects

* Office Building Complexes

* Working Capital

* Agricultural and Mining Projects

* Real Estate Based Programs

* Commercial Turnaround and Development

* International Development/Construction

* Apartment Complexes and Condo Developments

* Infrastructure Development of Third World Countries

* International Mining and Agriculture

* Water, Energy, and Green-Related Projects

* Business Growth and Expansion Projects

* Casino’s

* Oil

* Airport

* Marina

* Amusement Park

* Shopping Center

* Leverage Buy-Out

* Corporate Jets

* Hospital

Can aggregate projects

Needs collateral to get funding has 3.5% for “skin in the game.”

CIS, Color Scan Passport, or Driver’s License (the USA only), screenshot bank account, CFSI Fee Agreement, Mutual NDA, Executive Summary template. 

Once you receive the contract you will have two banking days to sign, return, and wire the 3.5% fee (email us a copy of the wire receipt for confirmation). 

Once your funds are confirmed the bank will email a letter to the Collateral Provider guaranteeing the funds by blocking the funds for the transaction. 

I’ve known the Collateral Provider for about 15 years.

Here's the article from our website: 

https://workingcapitalfast.com/project-funding-10million-to-5billion/

We have several funders including Banks, Hedge Funds, Family Offices, a Collateral Provider, Trusts, a Foundation, and Private Lenders. Each has different Underwriting Requirements.

We have non-recourse programs with one provider starting at $250,000 that generates $3,850,000 net of commissions in about 30 banking days. 

We have a non-recourse program with another provider starting at $500,000 that generates ​$900,000 net of commissions in about 15 banking days and then an additional $11,700,000 net of commissions plus the return of your $500,000 in an additional 45 banking days. There is a $1,000,000 and $1,500,000 program with this provider.

We have another non-recourse program starting at $1million that generates $2,140,000 net of commissions in about five banking days and then an additional $270,000 a week net of commissions for 40 weeks. Your $1million stays in your bank account in a Top 50 Global Bank. This program is available on a tear-sheet basis for acceptable banks in acceptable countries from $1million to $5billion.

Here to serve you and those whom you choose to refer to us.

Sincerely and with gratitude,


Joseph P. Tufo

Cash Flow Specialists, LLC

Certified Cash Flow Consultant, Certified Capital Specialist

925-352-6000 Cell 800-669-2700 (USA Only) 

josephptufo@gmail.comjoe@

joetufo.com

http://www.workingcapitalfast.com

https://www.facebook.com/Fundyourbusinessnow/

http://www.davidallencapital.com/101769243

Skype: jptufo  

LinkedIn: http://www.linkedin.com/in/joetufowww.linkedin.com/in/joe-tufo-l-i-o-n-CFSI

Facebook: http://www.facebook.com/joetufo

Twitter: https://twitter.com/joetufo


Commercial Real Estate Loans, Business Funding, Project Funding, Specialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation and More... 

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation

Trust, Integrity, and Service Here Today Here Tomorrow

You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area 

Fund your viable projects of societal value now!

https://propertytaxcredits.com/161423 Our Average Client Receives $240,000 in Tax Benefits!

Proverbs 16:3  Commit to the LORD whatever you do, and he will establish your plans

Available 8 am to 6 pm Pacific Monday - FridayThe greatest compliment we ever receive is referrals from ecstatic clients and valued friends. They're the most powerful introductions, that help us help others, quickly, ethically and dramatically grow their businesses. Thanks for not keeping us a secret! 

*************DISCLAIMER*************

ANY MATERIAL EXCHANGED BETWEEN THE PARTIES HERETO IS FOR DISCUSSION PURPOSES ONLY AND ARE PRIVATE IN NATURE AND ARE NOT A SOLICITATION TO THE PUBLIC. 

Sender declares that he is not a licensed United States Securities Broker or Dealer or U.S. investment adviser, and both parties declare that this e-mail is not intended for the buying, selling, or trading or securities, or the offering of counsel or advice with respect to any such activities. **By accepting and opening this email, you have agreed to a binding non-disclosure & non-circumvent that ensures complete confidentiality between the reader and creator of the contents/attachments presented in this e-mail, which further prohibits any promotion, discussion, replication or additions without the consent of Cash Flow Specialists, LLC *The content of this e-mail does NOT constitute a contract of services or promise of services or investment or promised investment capital toward any concept, idea or project referenced or directly addressed in the body or relating portions of this e-mail. This e-mail is merely designed as an exchange of ideas.** This email transmission and any attachments are for the sole use of the intended recipient(s) and may contain confidential and privileged information that is the sole property of Cash Flow Specialists, LLC  Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender and destroy and delete all copies of this email and any attachments. These Confidential communications are protected under Gramm-Leach-Bailey Act 15 USC, Subchapter 1, sections 6801-6809 and other laws addressing the disclosure of Non-Public Personal Information. 

Fund Viable Projects Worldwide $5m to $100b

Greetings & Salutations!


Moving forward we need EVERYTHING in ONE email:

* Our CFS LLC Fee Agreement. We have worked very hard establishing relationships with funders since July 1, 1999, and have invested a minimum of 150 hours a year in learning everything we can about the funding business since May 1998. We are paid a 5% commission on all transactions and 10% equity on all non-recourse transactions clients qualify for because they have no loan obligation saving a fortune. All non-recourse transactions require 3.5%* as a collateral fee and fund in 45 to 60 banking days up to $500 million and 60 to 75 banking days per tranche above that. We have three non-recourse programs, #1, #7, and #10. We also have several traditional loan programs with monthly payments for up to 25 years #2, #3 (VIP Only), #4 (VIP Only), #5 (VIP Only), #6, #8 (VIP Only), and #9. ** The collateral fee on #1 increases to 9% effective 1.1.20 and the minimum funding increases to $100million.

* Our CFS LLC Mutual NDA. Invariably clients will find out who our Funders are. If you circumvent us we're entitled to the commission you agreed to for five years AFTER you sign the NDA. We don't share your information with anyone but the funder(s) you’ve asked us to remit your file to. You agree to pay us the 5% commission on ALL Transactions for five years from the date you sign the agreement. 

* One of our Executive Summary Templates - one is for Real Estate the other is for transactions other than Real Estate. We’ve used these templates for 20 years+. Our Funders like them. We like them. They answer all the questions we asked our Underwriters when I was Chairman of the Loan Committee and President of a Los Angeles Commercial Lender in 2005-2006. They're complete, succinct, and capture 95% of the information prospective funders require and minimize work. 

* A color scan of the front and back of your Passport if you are outside the USA.  

* A color scan of the front and back of your Driver's License if you are USA Business Entities.

* A bank statement proving you have the 3.5% Collateral Fee which will be wired or direct deposited to the Corporate Bank Account of the Collateral Provider or their Paymaster/Escrow Agent.

If you choose #7 you'll need to let us know if you're applying as an individual or a corporation and we'll send the appropriate paperwork in a separate email.

Project Funding $25million to $100billion +

I sent this to a prospective client and thought it might help you if you have viable projects of societal value to fund globally except for countries on the United Nations "Watch List." 

There are several funding possibilities to consider:

1. California/Arizona based Collateral Provider - requires *3.5% cash funds in 45 to 60 banking days which is nine to 12 weeks, you can start with one project and leverage part of the proceeds for subsequent projects. Place $875,000 at contract net $23,750,000 non-recourse - no loan to pay back. $25 million to $100 billion. Move at your own speed. If you don't have the entire amount of cash what do you have? This is a good choice if you have $875,000. Clients pay us 5% commission and 10% equity because this is non-recourse no loan to pay back. 

*** Effective 1.1.20, the minimum funding will be $100million and the collateral fee will be 9%. We found other collateral fee providers charging 15% to 17% both in the USA and in Europe. Everyone we spoke with indicated that the fees are too low for the service provided. 

2. A Hedge Fund Underwriter in the Midwest requires 5% to 10% cash (he has flexibility and can do less), and funds $5 million to $250 million with rates 4.75% to 5.25% fixed, plus 5.0 points (5%) to CFSI and 3.0 points to his company and ancillary closing costs. This is a good choice if you want a traditional loan and have the cash down payment and due diligence fees.

He lives in my hometown, where I was born and raised. He’s a terrific guy, a DePaul University MBA, former Controller of a billion-dollar company, former president of Fort Dearborn Paper Company, 33+ years funding experience and 40+ years of business experience and very sharp. He’s the Check Writer.

He charges due diligence and site visit fees of 1/10th of 1% minimum $50,000 maximum $165,000 plus round-trip business class air and a junior suite at a 4-5star full-service hotel. Funding generally takes 60 to 90 days. 

3. We have a European 200-year-old bank that has funded trillions over the years. Because their process is so time-consuming we'll only transact if you join as a VIP ($25,000) with fees credited to commissions at funding. This is a traditional loan that MUST be paid back. 

Rates are very competitive: 

GUARANTEED LOWEST INTEREST RATES; 

••• Our fixed-rate loans are only ¼% above LIBOR (London Interbank Offered Rate) for permanent financing of projects. 

••• Our variable-rate financing is only ½% above the European Central Bank preferential interest rate. 

Once approved be prepared to pay Due Diligence fees of .5% to 1% of the amount requested to move forward to funding. All fees are credited as equity. No bank in the world will fund transactions without the prospective client paying for services. I have known the Director of the Americas for this bank for years and we speak frequently. I also know the Chairman of the Bank. Financing from USD $5 million up to NO LIMIT.

4. We have an Offshore Trust For VIPs only: that funds $20million to $200m+ in 60 to 90 banking days. They require $50,000 in due diligence fees and $300,000 escrowed in either Australia 🇦🇺 or Hong Kong 🇭🇰. Once we have a signed mutual NCND, fee agreement, executive summary and bank statement showing a minimum of $350,000 we'll schedule an introductory call. You will sign a fee agreement paying us 5%. 

Because their process is so time-consuming we'll only transact if you join as a VIP ($25,000) with fees credited to commissions at funding. This is a good choice if you want a traditional loan and $350,000 and have time to travel. Because their process is so time-consuming we'll only transact if you join as a VIP ($25,000) with fees credited to commissions at funding. This is a traditional loan that MUST be paid back. 

If you choose to move forward you'll travel to Sinqapore 🇸🇬 and meet the Trustee and his team for seven to 10 days. You will tranche beginning a few weeks later. 

5. For VIPs ($25,000) only:  If you have a really large funding need of $100million to $100billion we have a United Nations approved funder, in fact, the principals are Official Members of the United Nations in the Strategic Division New York, it doesn’t get any better than that. Note: Less than 100 companies in the world have been able to register in the Strategic Division, even companies with more than 300,000 official members. 

Because their process is so time-consuming we'll only transact if you join as a VIP ($25,000) with fees credited to commissions at funding. This is a traditional loan that MUST be paid back. 


This is the exclusive representative of Royal Academy of the United Nations located on Wall Street in NYC, to finance all the projects provided by this organization, Trade Finance Instruments and Monetization Financial Instruments until the end of the year 2020. This is the official representative of a financial institution with over 30 bank subcategories.


Types of Financing and Investments:

Long-term Loan, Short-term Loan, Public-Private Partnership (PPP), Equity Financing, Debt Financing, Line of Credit and all types of alternative financing is available. (It could be Negotiable on Face to Face Meeting and process of Site Visit & Due Diligence). This is a traditional loan that MUST be paid back. This is a good choice if you want a traditional loan, have time, and have the cash down payment.


Interest Rate    
The range of interest rate is between 2 and 4.5%. The exact and final rate will be determined after legal review, Due Diligence and site visit on a case-by-case basis.

Because their process is so time-consuming we'll only transact if you join as a VIP with fees credited to commissions at funding. 

6. We have a business relationship with a licensed Asset Manager with offices in France, Hong Kong, and Singapore that provides ALL banking instruments including Bank Guarantees (BG), Stand By Letters of Credit (SBLC), Medium-Term Notes (MTN) and other banking instruments on both a lease with rates as low as (4+2) and Purchase with rates as low as (39+2) through top banks such as Barclays UK or HSBC Switzerland or UBS Switzerland. They also do project funding with almost unlimited capability. 

7. We have a special Platform Program that will fund your project non-recourse if you have $450,000 USD or increments of $450,000 - $900,000, $1,350,000 etc. Non-recourse - no loan to payback. Clients pay us 5% commission and 10% equity because this is non-recourse no loan to pay back. 

This may be our best program.

8.*BHP and its partner firm BHC is a creative capital consulting firm focused on helping businesses solve the complex challenges facing their projects today. They are private finance specialists with merchant banking, private equity, and debt placement experience. They have acted as both principals and advisers on over 1B USD worth of transactions and much more through our consortium partners in the US, UK, Hong Kong, Singapore, and Malaysia. 

JV’s are very expensive with $300,000 to $500,000 in formation costs and a success fee of 10% to 15% but this as close to a guarantee a client can get once the investment banks issue the LOI and terms as they are licensed banks, not private shops. Because their process is so time-consuming we'll only transact if you join as a VIP ($25,000) with fees credited to commissions at funding. This is a traditional loan that MUST be paid back. 

Services include the following, among others :

• Mergers and Acquisitions;

• Joint Venture Formation and Planning;

• Debt and Equity Funding ;

• Equity Valuation Analysis;

• Financial Modeling for Structured Finance;

• Project Finance: Identification of Options and Recommendation of an Optimal Transaction & Financing Structure and going to market in the UK, Germany and Hong Kong through their proprietary network of investors, both HNW's and institutional, Performing Due Diligence Exercises as Validation as required by lenders and investors; and Development of Restructuring Programs acceptable to all Stakeholders.

9.If you’re located in the USA we are appointed as an agent with the largest business management consulting firm in the country. Visit this website and see what your tax savings and cost reduction can be: Save up to $200,000 for every commercial property you own (USA Only) https://propertytaxcredits.com/161423

10.For VIPs ($25,000) only: This is a new relationship (10.30.19) They fund $100million to $5billion+

WSB will have 25% of ownership. CASH FLOW SPECIALISTS LLC will have 10% ownership. This is non-recourse no loan to pay back.

PROJECT VOLUME FEES REQUIRED TO BEGIN THE PROCESS – DONE AT THE MEETING IN MONACO 

10 Million to $100 million   = €215,000 euros
$100 Million to $500 million   = €315,000 euros 
$500 Million to $1 Billion   =€415,000 euros 

$1Billion to $5Billion = €830,000 euros 

WSB has completed over 100 Bond Issuances and over 50 Stock Offerings. Total Capital raised YTD is in excess of 150B USD and growing steadily while we increase the number of strategic partners and projects that we accept to Joint Venture with.

The WSB streamlined process has enabled them to raise substantial capital for many clients from all parts of the globe.

The WSB team incorporates various structured financing vehicles to facilitate your Individual project financing requirements.  If your company vision and story is compelling, your experience and expertise in your field is matched towards your funding goals, WSB can genuinely assist your company to obtain the funding you require. The WSB process will enable you to take the next step towards expanding your business and commercial activities allowing you to scale within your market sector.

The structured financing that WSB structures is briefly summarized below. In all cases WSB requires three years worth of audited financial statements. If you are a pre-revenue company, WSB requires a business plan that includes 3 to 5 years worth of projections. Once WSB reviews your plan if your company is accepted to work with WSB, the approval for your project and invitation will come from the WSB structured finance committee. 

WSB accepts principals that are serious about their business endeavors, have the required knowledge and wherewithal to succeed. It’s important to be able to substantiate the demand for your service/product/project. Having the ability to meet that demand and know that you have a competitive edge over your closest competitors is truly key! 

You shouldn’t apply if you’re only interested in turning a quick profit. WSB only choses to work with viable candidates to acquire financing from the company.  Your motive for obtaining financing is a crucial element in working together.  Once WSB has ascertained the validity of your proposal, they can then fully commit efforts towards procuring the right funding to substantiate your loan request and allow WSB to raise capital for your organization. The process takes 90 to 120 days.

We have two levels of service: 

VIP, who have access 5:30 am to 9 pm Monday through Saturday and pay $25,000 a month* credited to commissions and Non-VIP who don't pay anything and are placed "on the back burner" and have access during normal business hours of 8 am to 6 pm Pacific Monday through Friday on a first come-first served basis. It can be a few weeks before I can get to your funding request. Please be patient!

VIPs please go to our Paypal account and purchase a block of time:

https://www.paypal.me/JosephTufoCFSLLC/1000$1,000 an hour

https://www.paypal.me/JosephTufoCFSLLC/5000  $5,000 half-day

https://www.paypal.me/JosephTufoCFSLLC/10000$10,000 full-day

https://www.paypal.me/JosephTufoCFSLLC/25000$25,000 VIP a month*

Choose the amount of time you want, minimum one hour $1,000.00, half-day $5,000, full-day $10,000, or VIP $25,000 a month, all fees are credited to commissions (subtracted at loan closing) so the service ends up being FREE when you close the loan with us. At age 68, I can’t afford to waste time with clients that aren’t serious about funding their projects. I will not quit until you are funded. I NEVER give up!

* Many choose to award us 10% equity in their project in addition to the VIP Fee and 5% commission at funding. They receive all the benefits of VIP plus lifetime priority in every funding and consulting need. I have 42 years of business experience in Insurance, Securities, and Funding Viable Projects of Societal Value. ALL non-recourse applicants award us 10% equity in their business at successful funding because they incur no loan obligation. We have three non-recourse providers at this time: 

The most successful meet me at BJ’s Restaurant or Vic Stewart’s Restaurant in Brentwood California (About 60 miles from the San Francisco International Airport) and buy me lunch or dinner. The first 15 minutes are FREE and additional time is $1,000 an hour which is credited to the commission for successful funding. People only value the things they pay for. 

Some choose to visit for a half-day pay for breakfast and lunch or lunch and dinner and place $5,000 credited to commissions. Some come for a full day, pay for all meals, and pay $10,000 credited to commissions. The ones with complex funding needs, multiple projects, and those that need extra time come for two days, pay for all meals and pay $25,000 credited to commissions. When clients commit we know they’re serious and we bend over backwards to develop a compelling presentation that all but guarantees a positive funding outcome. 

If you choose VIP Priority Service at $25,000 a month you will receive extended service hours and access from approximately 5:30 am to 9 pm M-Sat (approx. 93 hours weekly access,) up to two days blocked to go over every word and every number in your presentation, Priority in every call, and have all VIP fees credited back to the commissions at successful closing. It can take three months +/- to close your loan - why not ensure the best outcome? (Several of our Funders are only offered to VIPs because they are so labor-intensive - all VIP fees are credited to commissions so the service ends up being free.)

Can we have the escrow account in our country? 

That depends on the Funder. 

We have been scammed before. Why should we pay the fees? 

We’ve heard that from some of our clients and we are sorry this has occurred. We meet each client that has been approved in Brentwood California in order to transact in a transparent and professional manner and to ensure closing occurs as per the contract duly signed between us. 

“Selling is getting someone intellectually engaged in a future result that is good for them and getting them to emotionally commit to take action to achieve that result.”

Dan Sullivan 

CLIENTS

Our clients are our lifeblood and we keep all of their information confidential.  We do not trade 'on the back' of our clients' good reputations.  We respect our brokers and their clients and NEVER circumvent them under any circumstances. Suffice it to say that over decades of being in business we have provided our services to multi-national 'household-name' publicly traded companies.

This is from an article I wrote in December 2009: Our consulting clients come from every walk of life (including Fortune 500 executives, private family businesses, star athletes, media personalities, doctors, lawyers, bankers, and developers - just to mention a few). We, at Cash Flow Specialists, Inc. guarantee absolute confidentiality and anonymity for each and every consulting client. We do not share names, numbers, or information regarding any of our clients or anything about their businesses – ever! Nor do we provide a listing of past or current consulting clients, so as to be sure to protect their rights and privacy.


For Funding please send: Project Details, Executive Summary, CIS, a color scan of passport or drivers license for KYC, a current sanitized bank statement, Mutual NCND (received), and Fee Agreement in ONE email and send to josephptufo@gmail.com

This ONE THING will give you a structure, a process, and a skill to avoid funding mistakes and surprises even smart Entrepreneurs miss, and it will ultimately give you THE KEY TO GETTING (AND STAYING) FUNDED. 

In order to bring ALL of this together in a way that minimizes your risk, identify your biggest and best opportunities, and maximize your results you need to block a day or more and visit me, go to the Paypal link now and let’s get you focused and funded!

Due Diligence and Private Funding

Due Diligence is a commonly used term in the world of private funding and equity. 

But what exactly does it mean?  

Why is it important, and what is entailed in due diligence processes?

Most importantly, why are upfront fees the norm in the private funding industry?

Clients perform due diligence on their consultants or investment bankers, investors perform due diligence on their clients, and attorneys perform due diligence on clients, brokers, project principals and many other legalities of projects, people, funding mechanisms and tax structuring.  

People perform "due diligence" all of the time, whether in the financial arena or not. 

For a simple analogy to relate to the private funding world, consider the home purchasing process.  

When a couple goes to purchase their first home, they do a certain amount of due diligence to make sure the home is in the right price range, the right school district, is close enough to the shopping centers or far enough in the country (depending on their preferences).   

They hire home inspectors to uncover potential problems so they are not surprised by an expensive or unsafe underlying issue.  

They often purchase a home warranty to cover the replacement of major mechanicals if they happen to fail after the purchase.  

They also hire a professional realtor or broker to help guide the process and represent them so their purchase is legal, safe, and fair.   

The buyer and seller can expect to sometimes pay up front fees for inspections and remedies, in order to be sure the home, and the transaction, is a wise choice.

Why are they doing all of this due diligence just to purchase a home?  

To protect their investment, of course, and to mitigate risk and remedy any hazards or issues that could cost them a small fortune after the purchase, if overlooked.

While the majority of people understand home-purchasing processes, inspections, and other things as normal "due diligence" that must be performed before purchasing a home, many "green" or novice entrepreneurs or private funding clients are not prepared for due diligence processes that must occur before a private investor, investment banker, or hedge fund can draft terms and release funds for project funding or an acquisition.

If due diligence processes occur during home purchases, then they will certainly occur for major, private financial transactions and agreements.

Some would define due diligence as "reasonable steps taken by a party or company to satisfy the legality and legitimacy of a transaction".  Others might define it as "a comprehensive appraisal of a business, asset and/or it's management team".  In the investment world, it can also be defined as "a thorough investigation of a potential investment" or "the research, process and care taken before entering an agreement, investment or financial transaction".

Before an investor, investment banker or hedge fund decides to invest millions of dollars in a start-up, acquisition, natural resource foray or business expansion, they must perform due diligence on the company, the plan, the management team, the performance history, and the future proforma, specifically the likelihood that they will receive their return on investment. 

Since they will be investing millions of dollars, there will be significant costs, time and professional analysis and verification of facts by 3rd party sources in order to be sure that the investment is sound, and also structured properly.  

It is normal for investors and funds to expect the client to pay for these due diligence processes in order to gain access to the private funds.  No legitimate investor will pay out-of-pocket to hire the needed professionals to perform due diligence to verify if a client and his or her plan is a solid investment, or to structure an investment properly so that it is an investment-grade vehicle.

However, the amount of due diligence fees vary greatly depending on the complexity of the project, the number of funding sources needed to fund the project, the number of stages the project needs for development, the location, the source(s) of funds and necessary processes and legalities, and many other variables.

The investor, fund or investment banker must have some kind of commitment from the client in order to be sure their time and resources are going to be used wisely, and that the client will not walk away during the process, or balk at the signing table.

When applicants put a team and a business plan together to submit for private funding, all they usually have is a set of documents, they do not have an actual business, unless they are acquiring one.

That being said, before any wise private investor or fund manager would invest in that client and his or her team's plan (because they essentially are investing in the applicant's competence to carry out a successful plan), they must verify everything.  In order to verify the facts pertaining to the project and its team, they often must pay staff or outsource professionals to do this verification for them.  

This costs time and money.

Attorneys are hired, appraisals are ordered, geological studies and feasibility studies are sometimes developed.  Financial professionals such as accountants, analysts and underwriters are often hired to structure the funding mechanisms in order to make the funding possible.  These professional man-hours can cost thousands of dollars before a project can be funded legitimately.

Additionally, depending on the project, insurance wraps are needed in order to secure the investment.

The bottom line is, all of this costs time, money, and professional man-hours in order to verify and structure a plan or project into a palatable investment-grade vehicle that will satisfy the comfort level, tax considerations, as well as the guidelines for the funding mechanism in order for successful funding to occur.

Additionally, the investor or fund board is considering entering into a short to medium term business, financial or fiduciary relationship with the client.  In essence, they are becoming a part of the business team, creating the funds to fuel the success of the project.  

To reach a level of comfort and to ensure the best possible success for all parties involved, it makes more sense to incur a few thousand in expenses upfront, in order to ensure that several million will not be mishandled or lost from a poor investment, faulty management, or improper investment and tax structuring.

Additionally, private investors, investment bankers and fund managers are approached with literally dozens of potential projects and pitches to fund every week. Most of those projects are not ready to be funded because either the project is not structured properly or the team is not ready to handle the finance and the business project. 

However, those principals and projects that are ready to handle the funds are those who are mature and seasoned enough to be willing and able to pay due diligence fees to prove their commitment to the process and to see the project to success and full fruition.  

The due diligence process and fees that investors and investment bankers employ act as a gate-keeper, filtering out those projects and applicants who are neither serious nor prepared for financial success.

Those principals who are truly prepared to engage and handle millions of dollars from a fund or investor understand that a few thousand in due diligence fees is a drop-in-the-bucket to gain access to millions of dollars to fund a successful project.

In addition to the funds, principal applicants and entrepreneurs will also gain relationships with wealthy individuals, investment bankers and other fund managers who are capable of funding future projects.  Long-term thinking and relationship building in the private funding world do not always guarantee success, but they are certainly necessary for success.

Cash Flow Specialists LLC has access to private funds and equity to fund projects across many industries in the USA, Canada, and abroad.  To see if your acquisition, or project and team is properly structured and prepared for successful funding, contact us today to begin a relationship and your path to private funding success.

We provide commercial real estate loans, business loans, startup funding, project collateral, and project funding from $5 million to $100 billion internationally. 

Our “sweet spot” is $25 million to $500 million and generally takes 45 to 60 banking days to fund - nine to 12 weeks. We move at the speed of the client. 

Bank Guarantees (BG), Stand By Letters of Credit (SBLC) and other instruments available for rates as low as 4+2 lease through top banks and buy rates as low as 38+2 (Barclays UK or HSBC Switzerland or UBS Switzerland). This is a new business relationship in the Middle East. 

Please email your Executive Summary up to 10 pages to joe@joetufo.com or josephptufo@gmail.com for consideration, thank you. 

We have several other funders including Banks, Hedge Funds, Family Offices and Private Lenders. Each has different Underwriting Requirements. 

The most successful travel and meet me in the San Francisco Bay Area and prepay a day or more which is credited to commissions at closing. 

Fund your projects now!

Sincerely and with gratitude,

Joseph P. Tufo

Cash Flow Specialists, LLC

Certified Cash Flow Specialist, Certified Capital Specialist

925-352-6000 Cell 800-669-2700 (USA Only) We also have WhatsApp, IMO, Telegram, and Viber.

josephptufo@gmail.com  joe@joetufo.com 

http://www.workingcapitalfast.com
https://www.facebook.com/Fundyourbusinessnow/

Skype: jptufo  https://join.skype.com/invite/wSFU3FNKXZ4X 

LinkedIn: http://www.linkedin.com/in/joetufo  www.linkedin.com/in/joe-tufo-l-i-o-n-CFSI

Facebook: http://www.facebook.com/joetufo

Twitter: https://twitter.com/joetufo

Commercial Real Estate Loans, Business Funding, Project Funding, Specialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More... 

Located in the beautiful San Francisco Bay Area 

Connect with me on Facebook, Twitter, Alignable, and LinkedIn. 

Available 8 am to 6 pm Pacific M-F. 

Use my 40+ years of Insurance, Securities, and Finance to fund your viable projects of societal value in all countries except those on the United Nations “watch list.”

Save up to $200,000 for every commercial property you own (USA Only)

https://propertytaxcredits.com/161423

***ATTENTION BROKERS***

If you are a broker with projects that you are having challenges establishing financing and would like our help, please contact us for details on our private money co-broker and referral programs. Understand that we will then deal directly with the Principle/Developer, but we will honor your interest & commission in the project. We do not tolerate greed and will not work with a chain of brokers.  If you initiate a project with us and it is approved, you will get paid accordingly… if there are other brokers involved in the transaction, you will be responsible for their fees.

Compliance: Cash Flow Specialists LLC (CFS) complies with all required anti-money laundering regulations implemented and enforced by all institutions with a standard anti-laundering policy. As part of its anti-money laundering and anti-terrorist compliance efforts, CFS takes all due diligence to ensure that the company and partners fully comply with any and all applicable regulations. CFS uses its best resources and efforts to comply and ensure compliance with all legal restrictions and to uncover any and all suspicious activity. Depending on the area and jurisdiction of any particular transaction, CFS will monitor and report any and all suspicious activities to the pertinent law enforcement agencies in accordance with applicable law.

Small Business Loans $10,000 to $300,000

APR Rates Starting at 0%. Discover Your Advantage With Cash Flow Specialists LLC.

We Provide Working Capital To Business Owners In The US, Canada & Australia.

Greetings & Salutations!

This notice certifies that our funding department has already approved your company for up to $300,000 + in funding. This can be a business bridge funding instrument or one-time working capital injection of funds. There are no restrictions on the use of the funds and your approval, based on completion of the no-fee attached application and 4 bank statements, is one step away from being guaranteed. These funds are reserved for you within 30 days or less. You can use this money for any business purpose, anywhere in the world, and you may take advantage of the opportunity to:

  • Purchase Inventory, Equipment or Supplies.
  • Capitalize on New Business Opportunities.
  • Add Staff.
  • Advertising & Marketing Expenditures.
  • Down Payment or Payment Of Business Property.
  • Existing Business Debt Converted to Tax-Advantaged Debt.
  • Short Term & Quick Turnaround Emergency Capital.
  • 'Buy-Out' Your Retiring or Lazy or both – partner.
  • Funding for Anything You, The Business Owner, May Need.

With our selection of unique financing programs, you can access funding in 24 hours, and pay us from future sales. You do not need good to excellent credit; Scores of 500 & above are accepted. We do not require collateral – your business, home, vehicles, your children, etc. Your business receivables already qualify you [one step away] to receive these funds.

Cash Flow Specialists LLC makes it easier than ever to get the capital you need for your business. Funds, for you, have been allocated for your business. We are available to answer any questions and get you ready to receive funds the next business day.

Send in the simple application with 4 bank statements or Call Today To Activate Your Account.

T. 925.352.6000 M – F 8 AM to 6 PM Pacific or email us at joe@joetufo.com or josephptufo@gmail.com

Respectfully,

Joseph Tufo

Strategic Director

http://www.workingcapitalfast.com

PS: Additional Information Below Provides The Overview Of Our Financial Products.

Complete the Application Attached Today.

WHAT WE OFFER! Quick and Simple Business Funding With minimal paperwork and qualifications, no hidden fees, and no restrictions on the usage of funds, you can receive capital for anything your business needs in as little as one business day. You’re getting funding with industry-leading speed that can be used without restriction. Whether it’s for expansion, bridging payroll, hiring new personnel, advertising, or buying anything from a new building to office furniture, you can use the funds for whatever your business wants or needs! Also, choose between a fixed daily or weekly payment to know exactly how much is being spent.
Discover Your Company's Options Let GC Working Capital Programs guide you to your company’s maximum potential! We deliver true small business financing solutions using our proprietary underwriting and evaluation technology, which focuses on the health of your business – not your personal credit score. We do not charge an application fee and the offers are without obligation.

The Cash Flow Specialists LLC. Mission Is To Help Your Business!

Why Choose Cash Flow Specialists LLC?

  • The Funders Pay Us Directly & We Do Not Charge Extra Fees [PSFs]. You Get More For Less.
  • Approvals Are Based On Your Company's Healthiness.
  • We Offer Many Business Finance Products That Are Designed To Fit Your Exact Business Needs.
  • Payment Plans Are Designed to Have A Successful & On-Going Relationship With Us.
  • We Have Built Our Reputation On Exemplary Service By Understanding The Distinctive Financing Solutions Required By Most Industries.
  • We Deliver True Small Business – No Bank Red Tape – Financing Solutions, in Canada, US and Australia, using our resources and proprietary evaluation technology so as to focus on the health and growth of your business – not your personal credit score.

When Banks Say No … We Say Yes [Most of the Time].

Sincerely and with gratitude,
Joseph P. TufoCash Flow Specialists, LLCCertified Cash Flow Consultant, Certified Capital Specialist925-352-6000 Cell 800-669-2700 (USA Only) josephptufo@gmail.comjoe@joetufo.comhttp://www.workingcapitalfast.comhttps://www.facebook.com/Fundyourbusinessnow/
Skype: jptufo  https://join.skype.com/invite/wSFU3FNKXZ4X 
LinkedIn: http://www.linkedin.com/in/joetufowww.linkedin.com/in/joe-tufo-l-i-o-n-CFSIFacebook: http://www.facebook.com/joetufoTwitter: https://twitter.com/joetufo
Commercial Real Estate Loans, Business Funding, Project FundingSpecialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation and More... 
Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation
Trust, Integrity, and Service Here Today Here Tomorrow
You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area 

Fund your viable projects of societal value now!

https://propertytaxcredits.com/161423 Our Average Client Receives $240,000 in Tax Benefits!

Proverbs 16:3  Commit to the LORD whatever you do, and he will establish your plans

Available 8 am to 6 pm Pacific Monday - FridayThe greatest compliment we ever receive is referrals from ecstatic clients and valued friends. They're the most powerful introductions, that help us help others, quickly, ethically and dramatically grow their businesses. Thanks for not keeping us a secret! 

*************DISCLAIMER*************

ANY MATERIAL EXCHANGED BETWEEN THE PARTIES HERETO IS FOR DISCUSSION PURPOSES ONLY AND ARE PRIVATE IN NATURE AND ARE NOT A SOLICITATION TO THE PUBLIC. 

Sender declares that he is not a licensed United States Securities broker or Dealer or U.S. investment adviser, and both parties declare that this e-mail is not intended for the buying, selling, or trading or securities, or the offering of counsel or advice with respect to any such activities. **By accepting and opening this email, you have agreed to a binding non-disclosure & non-circumvent that ensures complete confidentiality between the reader and creator of the contents / attachments presented in this e-mail, which further prohibits any promotion, discussion, replication or additions without the consent of Cash Flow Specialists, LLC *The content of this e-mail does NOT constitute a contract of services or promise of services or investment or promised investment capital toward any concept, idea or project referenced or directly addressed in the body or relating portions of this e-mail. This e-mail is merely designed as an exchange of ideas.** This email transmission and any attachments are for the sole use of the intended recipient(s) and may contain confidential and privileged information that is the sole property of Cash Flow Specialists, LLC  Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender and destroy and delete all copies of this email and any attachments. These Confidential communications are protected under Gramm-Leach-Bailey Act 15 USC, Subchapter 1, sections 6801-6809 and other laws addressing the disclosure of Non-Public Personal Information. 

Due Diligence and Private Funding

Due Diligence and Private Funding

Due Diligence is a commonly used term in the world of private funding and equity. 

But what exactly does it mean?  

Why is it important, and what is entailed in due diligence processes?

Most importantly, why are upfront fees the norm in the private funding industry?

Clients perform due diligence on their consultants or investment bankers, investors perform due diligence on their clients, and attorneys perform due diligence on clients, brokers, project principals and many other legalities of projects, people, funding mechanisms and tax structuring.  

People perform "due diligence" all of the time, whether in the financial arena or not. 

For a simple analogy to relate to the private funding world, consider the home purchasing process.  

When a couple goes to purchase their first home, they do a certain amount of due diligence to make sure the home is in the right price range, the right school district, is close enough to the shopping centers or far enough in the country (depending on their preferences).   

They hire home inspectors to uncover potential problems so they are not surprised by an expensive or unsafe underlying issue.  

They often purchase a home warranty to cover the replacement of major mechanicals if they happen to fail after the purchase.  

They also hire a professional realtor or broker to help guide the process and represent them so their purchase is legal, safe, and fair.   

The buyer and seller can expect to sometimes pay up front fees for inspections and remedies, in order to be sure the home, and the transaction, is a wise choice.

Why are they doing all of this due diligence just to purchase a home?  

To protect their investment, of course, and to mitigate risk and remedy any hazards or issues that could cost them a small fortune after the purchase, if overlooked.

While the majority of people understand home-purchasing processes, inspections, and other things as normal "due diligence" that must be performed before purchasing a home, many "green" or novice entrepreneurs or private funding clients are not prepared for due diligence processes that must occur before a private investor, investment banker, or hedge fund can draft terms and release funds for project funding or an acquisition.

If due diligence processes occur during home purchases, then they will certainly occur for major, private financial transactions and agreements.

Some would define due diligence as "reasonable steps taken by a party or company to satisfy the legality and legitimacy of a transaction".  Others might define it as "a comprehensive appraisal of a business, asset and/or it's management team".  In the investment world, it can also be defined as "a thorough investigation of a potential investment" or "the research, process, and care taken before entering an agreement, investment or financial transaction".

Before an investor, investment banker or hedge fund decides to invest millions of dollars in a start-up, acquisition, natural resource foray or business expansion, they must perform due diligence on the company, the plan, the management team, the performance history, and the future proforma, specifically the likelihood that they will receive their return on investment. 

Since they will be investing millions of dollars, there will be significant costs, time and professional analysis and verification of facts by 3rd party sources in order to be sure that the investment is sound, and also structured properly.  

It is normal for investors and funds to expect the client to pay for these due diligence processes in order to gain access to private funds.  No legitimate investor will pay out-of-pocket to hire the needed professionals to perform due diligence to verify if a client and his or her plan is a solid investment or to structure an investment properly so that it is an investment-grade vehicle.

However, the amount of due diligence fees vary greatly depending on the complexity of the project, the number of funding sources needed to fund the project, the number of stages the project needs for development, the location, the source(s) of funds and necessary processes and legalities, and many other variables.

The investor, fund or investment banker must have some kind of commitment from the client in order to be sure their time and resources are going to be used wisely, and that the client will not walk away during the process, or balk at the signing table.

When applicants put a team and a business plan together to submit for private funding, all they usually have is a set of documents, they do not have an actual business unless they are acquiring one.

That being said, before any wise private investor or fund manager would invest in that client and his or her team's plan (because they essentially are investing in the applicant's competence to carry out a successful plan), they must verify everything.  In order to verify the facts pertaining to the project and its team, they often must pay staff or outsource professionals to do this verification for them.  

This costs time and money.

Attorneys are hired, appraisals are ordered, geological studies and feasibility studies are sometimes developed.  Financial professionals such as accountants, analysts and underwriters are often hired to structure the funding mechanisms in order to make the funding possible.  These professional man-hours can cost thousands of dollars before a project can be funded legitimately.

Additionally, depending on the project, insurance wraps are needed in order to secure the investment.

The bottom line is, all of this costs time, money, and professional man-hours in order to verify and structure a plan or project into a palatable investment-grade vehicle that will satisfy the comfort level, tax considerations, as well as the guidelines for the funding mechanism in order for successful funding to occur.

Additionally, the investor or fund board is considering entering into a short to medium term business, financial or fiduciary relationship with the client.  In essence, they are becoming a part of the business team, creating the funds to fuel the success of the project.  

To reach a level of comfort and to ensure the best possible success for all parties involved, it makes more sense to incur a few thousand in expenses upfront, in order to ensure that several million will not be mishandled or lost from a poor investment, faulty management, or improper investment and tax structuring.

Additionally, private investors, investment bankers and fund managers are approached with literally dozens of potential projects and pitches to fund every week. Most of those projects are not ready to be funded because either the project is not structured properly or the team is not ready to handle the finance and the business project. 

However, those principals and projects that are ready to handle the funds are those who are mature and seasoned enough to be willing and able to pay due diligence fees to prove their commitment to the process and to see the project to success and full fruition.  

The due diligence process and fees that investors and investment bankers employ act as a gate-keeper, filtering out those projects and applicants who are neither serious nor prepared for financial success.

Those principals who are truly prepared to engage and handle millions of dollars from a fund or investor understand that a few thousand in due diligence fees is a drop-in-the-bucket to gain access to millions of dollars to fund a successful project.

In addition to the funds, principal applicants and entrepreneurs will also gain relationships with wealthy individuals, investment bankers and other fund managers who are capable of funding future projects.  Long-term thinking and relationship building in the private funding world do not always guarantee success, but they are certainly necessary for success.

Cash Flow Specialists LLC has access to private funds and equity to fund projects across many industries in the USA, Canada, and abroad.  To see if your acquisition or project and team is properly structured and prepared for successful funding, contact us today to begin a relationship and your path to private funding success.

We provide commercial real estate loans, business loans, startup funding, project collateral, and project funding from $5 million to $100 billion internationally. 

Our “sweet spot” is $25 million to $500 million and generally takes 45 to 60 banking days to fund - nine to 12 weeks. We move at the speed of the client. 

Bank Guarantees (BG), Stand By Letters of Credit (SBLC) and other instruments available for rates as low as 4+2 lease through top banks and buy rates as low as 38+2 (Barclays UK or HSBC Switzerland or UBS Switzerland). This is a new business relationship in the Middle East. 

Please email your Executive Summary up to 10 pages to joe@joetufo.com or josephptufo@gmail.com for consideration, thank you. 

We have several other funders including Banks, Hedge Funds, Family Offices, and Private Lenders. Each has different Underwriting Requirements. 

The most successful travel and meet me in the San Francisco Bay Area and prepay a day or more which is credited to commissions at closing. 

Fund your projects now!

Sincerely and with gratitude,

Joseph P. Tufo

Cash Flow Specialists, LLC

Certified Cash Flow Specialist, Certified Capital Specialist

925-352-6000 Cell 800-669-2700 (USA Only) We also have WhatsApp, IMO, Telegram, and Viber.

josephptufo@gmail.com  joe@joetufo.com 

http://www.workingcapitalfast.com

https://www.facebook.com/Fundyourbusinessnow/

Skype: jptufo  https://join.skype.com/invite/wSFU3FNKXZ4X 

LinkedIn: http://www.linkedin.com/in/joetufo  www.linkedin.com/in/joe-tufo-l-i-o-n-CFSI

Facebook: http://www.facebook.com/joetufo

Twitter: https://twitter.com/joetufo

Commercial Real Estate Loans, Business Funding, Project Funding, Specialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More... 

Located in the beautiful San Francisco Bay Area 

Connect with me on Facebook, Twitter, Alignable, and LinkedIn. 

Available 8 am to 6 pm Pacific M-F. 

Use my 40+ years of Insurance, Securities, and Finance to fund your viable projects of societal value in all countries except those on the United Nations “watch list.”

Save up to $200,000 for every commercial property you own (USA Only)

https://propertytaxcredits.com/161423

***ATTENTION BROKERS***

If you are a broker with projects that you are having challenges establishing financing and would like our help, please contact us for details on our private money co-broker and referral programs. Understand that we will then deal directly with the Principle/Developer, but we will honor your interest & commission in the project. We do not tolerate greed and will not work with a chain of brokers.  If you initiate a project with us and it is approved, you will get paid accordingly… if there are other brokers involved in the transaction, you will be responsible for their fees.

Compliance: Cash Flow Specialists LLC (CFS) complies with all required anti-money laundering regulations implemented and enforced by all institutions with a standard anti-laundering policy. As part of its anti-money laundering and anti-terrorist compliance efforts, CFS takes all due diligence to ensure that the company and partners fully comply with any and all applicable regulations. CFS uses its best resources and efforts to comply and ensure compliance with all legal restrictions and to uncover any and all suspicious activity. Depending on the area and jurisdiction of any particular transaction, CFS will monitor and report any and all suspicious activities to the pertinent law enforcement agencies in accordance with applicable law.

Develop a Culture of Service

I wrote this after clients complained of poor service with one of our vendors:

If you are in a customer/client based company the most important thing to emphasize in the day to day operations would be service. Unfortunately, a lot of companies overlook this very simple concept. Actually, many think first about monetary gains and second about the customer/client. Putting the dollar in front of the service is the equivalent of putting the cart before the horse. It's a losing equation for all parties. The company, while they may see short-term profits, will never retain long-term loyalty, and the client gets poor service and has a bad experience. Developing a culture of service should be the highest priority for any company or entrepreneur that wants to stand the test of time. The only way to differentiate, create loyalty, and ensure you have made a good first and last impression on every customer/client that you deal with are to put that individuals needs above your own. When the customer service that you render is of the highest quality there will be no shortage of money flowing in.

Sincerely and with gratitude,

Joseph P. Tufo

Cash Flow Specialists, Inc.

Certified Cash Flow Consultant, Certified Capital Specialist

925-352-6000 Cell 800-669-2700 (USA Only)

josephptufo@gmail.com joe@joetufo.com

http://www.workingcapitalfast.com

http://www.stryde.me/161424 WOTC Tax Credit to $9,600 Per Newly Hired Qualified Employee

http://www.StrydeAdvisors.com/161424 Agent Opportunity: Tax Credits, Expense Reduction Save Big Bucks!

https://db202.isrefer.com/go/pfp/a1488/ PFP, Community Opportunities, REEP

Skype: jptufo

LinkedIn: http://www.linkedin.com/in/joetufo

Facebook: http://www.facebook.com/joetufo

Twitter: https://twitter.com/joetufo

Commercial Real Estate Loans, Business Funding, Specialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More...

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation

Trust, Integrity and Service Here Today Here Tomorrow

You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area

Available 8am to 6pm Pacific Any Day But Sunday And Holidays

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