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New financing solutions -March 2022

It is my pleasure to introduce our new finance solutions to all our partners for March 2022.

All our finance is unsecured and available – where possible - without company Debentures or Personal Guarantees. Most of our solutions can be added next to existing banking relationships, bank charges and Debentures, in the UK, Europe, USA and Beyond.

Revenue based finance (US):

  • Sector Agnostic.

  • Lending up to 20% of annual revenue

  • Rates between 12% and 15%

  • Terms up to 4 years repayment.

Construction Finance (US):

  • Progress Billing and Staged Payments included.

  • From $200k credit limits to $10m.

  • Corporate acquisitions could be considered.

  • ABL solution including inventory and tangible assets.

Structured Finance for property assets and business (UK):

  • Simultaneous Property Bridging and Cash Flow Loan financing solutions.

  • Can be used in acquisitions where the business owns the property – retail, care homes, education, etc.

  • Short-term and long-term solutions possible.

  • Rates from 7%.

Unsecured Cash Flow Finance up to £500k (UK):

  • Unsecured. Can be added next to existing finance charges.

  • Annual rates from 8%/year.

  • Term up to 4 years.

  • Personal Guarantee required.

Supply Chain Finance (international):

  • Unsecured finance.

  • From $100k facility size. Revolving Credit Facility.

  • Repayable any time – works like an overdraft.

  • Rates from 5%/year.

Acquisition Finance (UK):

  • Receivables to Purchase Order, combined Facility (back-to-back financing, in acquisitions).

  • Reduces risk of Working Capital shortfalls, post-acquisition.

  • Applicable for B2B segment with Purchase Orders only.

  • Up to £2m combined Facility size.

Short-term Debt Finance (UK only):

  • Minimum term 6 months, maximum 12 months

  • Repayable any time – works like an overdraft.

  • Maximum £1m facility, rates from 0.9%/month.

  • Debenture required; no PG required.

Acquisition Venture Debt (US & Europe)

  • Equity investments as equity investors in MBO and possibly MBIs.

  • From $1m/£1m/ €1m Investment Value.

  • Equity requirements from management teams are holistic.

  • Lead investor or Club Deal possible.

Supply Chain solution (Mexico):

  • Unsecured finance, from $500k to $2m.

  • Typically, the borrower is trading with North America clients and/or large corporates.

  • Charges structure may not need to include other Asset Classes.

  • Revolving Credit Facility, rates from 1%/month.

Inventory Finance (UK only):Inventory finance, on its own, from £1m to £10m.

  • Could be used in wholesaling or B2C trading businesses.

  • Charges structure may not need to include other Asset Classes.

  • Rates from 8%/year on a Revolving Credit Facility.

Structured Finance (UK only):

  • Accounts Receivable, Tangible Assets, Stock & Inventory, Property Assets - in a combined facility.

  • From £1m facility size.

  • Terms up to 5 years.

  • Arrangement fees from 3%.

Luxury Items Finance:

  • Financing for luxury items: watches, classic cars, art, antiques.

  • Quick advance times.

  • Flexible repayment terms.

  • Reputable US-based fund.

Income Stream finance (UK only):

  • Financing of future income streams – royalties.

  • Revenue streams would be discounting to a Present Value, which would be the Investment Value.

  • Equity requirements from 20%.

  • Rates from 7% annualised.

Supply Chain Finance (USA):

  • Minimum turnover $20m.

  • Up to $10m Revolving Facility.

  • Rates circa 5%/year.

  • 120 days repayment.

Commodity Trading Finance (UK, Europe, North America):

  • Supply Chain Finance.

  • “Pay-as-You-Use” Revolving Credit Facilities – no monthly fixed charges.

  • No conflict with existing banking facilities – these could continue to be used as normal.

  • No Debentures required.

Construction Sector Supply Chain finance (UK & Europe):

  • Circa 20% of balance sheet Net Worth.

  • Rates circa 1%/month.

  • Government contracts or civils available.

  • Includes Applications for Payments and Invoicing models.

Receivables Finance (Hungary, Bulgaria, Turkey, Iceland, Peru, Brazil, Dubai, Pakistan, Bangladesh, India, China, Hong Kong).

  • Receivables advances on strong-credit-quality debtors.

  • Unsecured facilities.

  • Cross-country debtors possible.

  • Rates from 0,5%/month.

Lombard Loans (Western Europe and North America):

  • Collateralized loans available for assets in Western Europe and North America.

  • Borrower maintains beneficial ownership.

  • Non-recourse in case of default.

  • LTV up to 65%, rates 4%/year.

Equipment, machinery and property finance (Canada & US):

  • Financing loans backed by assets on balance sheet.

  • Equipment, automotive & aircraft.

  • From £3m to $50m.

  • Captive Vendor Programs possible.

Integrated Purchase Order and Receivables Finance solution (US & Canada):

  • Integrated solution from Purchased Order to Receivables, back-to-back.

  • 100% LTV.

  • From $250k to $25m.

  • US & Canada government & large corporates Purchase Orders only.

Royalty Finance (North America, Western Europe):

  • Backing strong management teams which don’t want to dilute their share ownership.

  • Repayments up to 40 years term.

  • Minimum £1.2m EBITDA.

  • Shareholder changes, MBO, MBI, Restructuring, Acquisitions.

Invoice credit insurance in Europe:

  • Germany, France, Belgium, The Netherlands, Portugal, Switzerland, Luxembourg, Sweden, Norway, Denmark, Finland, Austria, Italy, Spain.

  • Invoice Credit insurance for any of your clients.

  • Solutions cost from 0,2% invoice value.

  • Range up to £50m coverage.

Structured Finance facilities (Europe, US, Singapore):

  • Combined solutions for ABL, Receivables, Stock & Inventory, Property.

  • Will consider cross-border and high client concentration including sole client sales.

  • From €5million to €150million.

  • M&A solutions as well as Growth Finance.

Corporate solutions for real estate-centric businesses (Europe, North America):

  • Hotel & hospitality businesses.

  • Distressed and Special Situations available.

  • Hybrid solution including Equity and Debt, from 2 million.

  • Most of European countries are eligible, as well as North America.

International Supplier Finance (Reverse Factoring) - Worldwide:

  • Companies anywhere in the world can now benefit from the advantages of an additional Supplier Finance facility, from a leading US investment bank.

  • Can be set up alongside other existing banking arrangements with local banks.

  • The solution has international scope with all legal jurisdiction included. (unless in “Red” and “Black”-listed countries)

  • Facility could be used by large corporates since limits are not capped.

Personal Guarantee (“PG”) insurance - UK:

  • Personal Guarantee insurance for corporate lending.

  • Covering from 60% to 80% of PG value.

  • Premiums from 1,6% to 3,6% of value of contract.

  • UK only.

North America (US & Canada), Venture Debt up to $5m:

  • High growth stage companies.

  • Recurrent Revenue as well as non-recurrent revenue considered.

  • Equity kicker 1,5% on exit.

  • No Personal Guarantees required.

MBO finance solution (UK):

  • Management Buy Outs only: management teams wanting to acquire shareholders.

  • From £2 m to £20m equity/convertible debt finance.

  • Family succession, Special Situations, Loss-making companies and complex deals can be looked at.

  • UK only.

Capital equipment trading Finance (international):

  • For capital equipment traders – machinery, vehicles, etc.

  • Finance for the purchase up to 80% of the purchase price.

  • Margin payment requirement 20% to 30%.

  • Asset is on consignment until sold.

M&A real estate acquisitions (UK only):

  • We are now able to finance real estate assets finance in Acquisitions, up to £2m/transaction.

  • Potentially no equity down from the buyer: up to 60% LTV, marked to market.

  • Up to 3 years repayment term.

MBI Acquisition Finance:

  • Dedicated MBI finance – senior debt solution.

  • UK only.

  • Term loans from £1 to £8m.

  • Maximum 3 X EBITDA.

  • 25% Deferred Consideration and/or Cash deposit from the Buyer.

SAAS, Contractual Finance – Acquisition Finance solutions.

  • Loans with terms up to 5 years.

  • Typically no PG’s required.

  • MBOs, MBIs and Corporate acquisitions eligible.

  • No early repayment fees.

Acquisition Finance “War Chest” facility:

  • UK Fund will earmark a minimum of £1m for acquisitions, with pre-approved criteria.

  • Corporate can then launch an acquisition program, knowing there will be finance available whenever a target is found.

  • No more uncertainty about being able to finance an acquisition.

  • Available to existing corporates only, not individuals.

  • UK & Ireland only.

UK equity sponsorship:

  • Equity sponsorship for acquisitions and MBO’s.

  • Can be used together with Leveraged Finance.

  • Requires retainers from £750 to £5k.

UK Acquisition Finance:

  • Debt lending.

  • Focus on the target being acquired rather than the Acquiror.

  • Up to £500.000 maximum facility.

  • Requires UK-homeownership.

UK, Europe & North America, Singapore:

  • Stock & Inventory finance.

  • Revolving Credit Facility with rates from 1%/month, 12%/year.

  • No monthly charges.

  • Link to a Receivables Finance solution.

Private equity finance in the UK and Europe:

  • Are you looking for strategic finance partners in the UK and Europe? Our Private Equity partners can help you grow as well as release the equity locked in your business.

  • Minimum 5million Ebitda.

  • UK and European cases are considered, regardless of business sector or level or financial performance.

Government contracts and large corporates Purchase Order Finance:

  • If supplying a government agency or a large corporate, we can arrange the Purchase Order Finance to pay suppliers.

  • Unsecured, no PG, no Debenture.

  • UK and international.

Exporting Goods (machinery, vehicles)? Lease instead of selling:

  • Equipment purchases may be converted into leases up to 5 years.

  • Non-recourse to the seller; no PG, no Debenture on the buyer.

  • Requires OECD government export finance guarantee.

UK import finance lease conversion:

  • UK companies importing Capital Goods can have the transaction financed with a lease up to 5 years, instead of a straightforward purchase.

E-commerce finance UK:

  • E-commerce finance solution based on historical monthly sales revenue, Run Rate and growth trend.

  • Can include Ebay and Amazon channels.

  • Unsecured, no PG required.

Stock finance UK and international:

  • For UK companies with turnover over £5m - a stock facility or a trade finance facility can be set up, including existing stock. Can only be done on an invoice finance anchor, as a Add-on.

  • For any company turnover less than £5m - can only be done as a trade finance facility and it cannot include existing stock. However, it can be done on its own.

Venture Debt Finance UK:

  • If you’re looking for a solution which values your ability to generate growth more than your ability to generate profit, this may be a solution.

  • Non-dilutive.

Europe, unsecured Supplier Finance up to €3m:

  • Cost of finance as low as 0,2%/month.

  • Solution consists of Purchase Order Finance to pay suppliers early and claim discounts - ideally higher than the cost of finance.

  • Revolving Credit Facility, maximum 150 days repayment cycle.

  • Unsecured, can be placed next to existing banking relationships and banking charges.

Europe, Venture Debt up to £1m:

  • E-commerce, SAAS, B2C, Information Technology (IT) sectors.

  • Revenue share agreement with borrower.

  • Any European geography company/platform can be considered.

USA & Canada: Unsecured Lending solutions:

  • Integrated Asset-Backed, Fixed Assets and Stock financing solutions.

  • Unsecured, no PG or Debenture.

  • Wide scope, from a few $ hundred thousand to $ hundred million lending.

  • Established revenue-generating companies only, no startups.

USA & Canada: integrated Factoring and Supplier Finance facility:

  • For contracts and Purchase Orders from credit-worthy clients.

  • Solution consists of Purchase Order Finance to pay suppliers, with the main source of security being the Purchase Order from the client.

International Receivables Finance:

  • If your invoices are paid at 30 days and longer, we can arrange an immediate advance and increase your working capital.

  • Potentially applicable to any jurisdiction in the world.

International energy and infrastructure finance:

  • Mercurio Capital can arrange the finance for energy and infrastructure projects internationally (telecoms, electrical distribution, water projects).

  • We can offer a conversion into a finance lease, rather than a straightforward purchase.

  • Emerging Markets as well as developed markets are considered.

International Foreign Exchange (Forex) services:

  • Foreign exchange transactions can be a big contribution to Net Profit.

  • Hedging services for Spot and Forwards, in all Currencies, “major” and “exotic”.

  • Savings up to 5% on costs and rates/year are possible, particularly with Chinese Renminbi.

International sports transfer finance:

  • We can arrange sport finance transfers in any professional sport - football, motorsports, rugby, etc.

  • Specialist contractual finance.

International Performance Guarantee Insurance for infrastructure projects:

  • If dealing with infrastructure projects, we can arrange an insurance guarantee on the value of the credit or loan.

  • Risk transfer up to 80% value of project.

Government, large corporates Purchase Order Finance:

  • Government and large corporates Purchase Orders can be finance up to 100% of its value, including the Supplier Finance and Receivables facilities to pay suppliers. Unsecured finance, no PG.

ABL Europe, UK & US from €11m:

  • European, UK and US Corporate ABL solutions for invoice finance, fixed asset leasing, stock and inventory finance, real estate finance from €11m to €150m.

Reverse factoring solutions:

  • Reverse Factoring pays your suppliers early through an unsecured facility, enabling you to negotiate discounts with existing suppliers and gain access to new suppliers. A Reverse Factoring facility can be issued next to existing banking relationships or Debentures.

Forex hedging services used as Acquisition Finance solutions:

  • Companies exposed to FX fluctuations could have added value FX solutions through an M&A package which de-risk the exposure to FX fluctuations. The JTF Wholesale case study shows how, post-acquisition, potential COS savings of £500k could be achieved using FX hedging.

Corporate Bond indemnity insurance:

  • If you have a corporate bond issued on the basis of a personal assets portfolio, we can set up an insurance which will take away the risk of the personal assets being called as security for the bond, should the bond ever default on its payments.

Secured property loans in UK, Ireland, France, Germany, Holland, Belgium, Spain and Switzerland:

  • Specialist investment equity release from existing real estate assets for property development, corporate expansion or personal project investment.

Forfaiting trading facilities for Emerging Markets:

  • If selling to Emerging Markets – or Frontier Markets – a Forfaiting facility could advance your Receivables and take the risk away from the transaction, non-recourse.

  • Up to 5 years repayment.

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