This funding framework is intended for experienced real-estate developers and asset operators who already have established capital, a demonstrable track record, and viable projects — but who require faster execution than traditional bank financing allows.

The structure operates on an 80/20 capital model: the borrower contributes at least 20% of the verified project value, and institutional capital may cover up to 80% of the total cost, subject to independent underwriting and collateral verification.

All financing is secured against clear, lien-free collateral and reserved for qualified borrowers who can demonstrate both financial capacity and professional credibility.

This is not a shortcut or an offer of funding. It is a structured introduction process that enables capable project sponsors to access potential private-credit partners operating within established legal and compliance frameworks.

Indicative Loan-to-Value (LTV): Up to 80 percent of the verified appraised value.

Borrower Contribution: Minimum 20 percent equity, held at a regulated financial institution.

Facility Size: Typically USD 1 million to USD 500 million+.

Asset Type: Income-producing or development real estate.

Security: First legal charge over the property or qualifying asset.

Indicative Closing Window: Approximately 3–4 months from the full submission of complete project documentation.

Priority Consideration: Projects that generate recurring income, for example rents, management contracts, or pre-leases.

Projects that generate recurring income (e.g., rents, management contracts, or pre-leases) may receive priority consideration.

This program is designed for seasoned developers or professional operators with verifiable experience. It is not intended for speculative ventures or first-time developers.

Typical qualifying indicators include:

• Three to five successfully completed projects of comparable scope

• Audited financial statements or tax returns for the past three to five years

• Clear evidence of title ownership, free of liens or encumbrances

• Independent feasibility or valuation report

• Project scope aligned with the developer’s demonstrated experience and capacity

Illustrative Example:
A firm that has completed five projects averaging USD 1 million each may apply for a USD 1.5 million project, with 20% capital already secured.

• Interest Rate: Typically 7%–10% p.a., determined by jurisdiction, risk profile, and lender mandate

• Term: 24–60 months, extendable subject to performance

• Repayment Structure: May include balloon or retained-interest formats linked to project cash flow

• Disbursement: Single or staged drawdowns based on construction or project milestones

In certain cases, institutional lenders may elect to co-invest or maintain longer-term funding participation, subject to separate negotiation.

1. Initial Review – Submission of a concise project summary, proof of funds (20% equity), and supporting documentation.

2. Preliminary Assessment – Lender reviews materials. No fees are required at this stage.

3. Conditional Acceptance – If aligned with lender criteria, a written confirmation of interest is issued.

4. Due-Diligence Stage – Upon conditional acceptance, a due diligence fee (approximately USD 50,000) may be payable directly to the lender to cover legal, valuation, and compliance costs.

   • No intermediary receives or handles this payment.

   • Additional costs, if any, are disclosed in advance.

5. Underwriting and Verification – Full KYC/AML checks, valuation, and legal verification.

6. Term Sheet Issued – The lender provides formal indicative terms.

7. Legal Documentation & Closing – Execution of definitive agreements and completion of conditions precedent.

If the borrower has a separate purchase or sale agreement with a property seller, any associated deposit or commitment remains solely between those contracting parties.

This framework enables qualified developers to access institutional private-credit capital without the typical time constraints and bureaucratic processes of retail banks.

It provides an efficient route for professional borrowers to execute income-generating projects while maintaining full ownership and operational control.

AltFunds Global AFG is a consulting firm specializing in structured capital advisory.

The world of capital markets and alternative financing is complex.

Clients often spend months chasing financial providers, struggling to align expectations.

Our job is to translate between both camps — understanding what the client requires and what financial institutions or family offices can realistically provide.

We help clarify the deal structure, prepare the documentation, and ensure both sides understand each other’s needs, timelines, and terms.

All funding decisions and transactions occur exclusively between the client and the financial service provider.

AltFunds Global AFG does not lend, issue, broker, or hold client funds.

1. Is this a pre-payment or advance-fee scheme?
No. No fee is paid until the lender confirms written interest in your project, subject to full due diligence. The due-diligence fee is paid directly to the lender to cover third-party verification costs.

2. What does the due-diligence fee cover?
Independent valuation, legal vetting, underwriting, and compliance verification. A written engagement outlines the full scope and payee.

3. Who handles my funds?
All financial transactions occur directly between you and the lender. No intermediary holds or controls client funds.

4. Why must I provide proof of 20 percent equity?
Institutional lenders require evidence of borrower participation to confirm shared risk and alignment.

5. What projects qualify?
Professionally managed, income-producing real-estate projects with verifiable feasibility and clean title.

6. How long does the process take?
Typically 3–4 months from complete documentation to closing, subject to lender workload and due-diligence timing.

7. Can a lender withdraw after accepting the fee?
Only if material misrepresentation, title issues, or regulatory red flags emerge during underwriting.

8. Are there hidden commissions?
No. All compensation and introduction structures are disclosed in writing. No side agreements or undisclosed payments are permitted.

9. What if project details change?
Updated feasibility and valuation reports will be required. The lender will reassess based on the revised information.

10. What validates this structure?
These are established institutional credit desks allocating secured, asset-backed capital within defined mandates.

11. What if my experience is smaller-scale?
Funding limits generally align with proven borrower capacity. Lenders prioritise realism over ambition.

12. Does the lender provide proof of funds or deposits to sellers?
These negotiations sit between the borrower and the seller. The lender’s engagement focuses on overall project viability and security.

13. What should I prepare in advance?
• Executive summary
• Proof of funds (20 percent)
• Title or ownership documents
• Feasibility or valuation study
• Audited financials or tax filings (3–5 years)
• Evidence of completed projects

14. Why not approach a commercial bank?
Banks often avoid development risk and may require long timelines. This framework provides structured access to institutional credit with greater flexibility.

15. What ensures transparency?
All parties operate under written agreements. Fees, timelines, and deliverables are disclosed before any commitment, and borrowers retain full control throughout.

Borrowers wishing to proceed should complete the project information spreadsheet and submit:

1. Executive summary of the project

2. Proof of 20% equity

3. Supporting project documentation

Submissions are reviewed in strict confidence. Only qualified applicants will receive an invitation for a lender assessment.