Rent a Rich Uncle – Unlocking Access to Global Capital

Do you currently need help with capital and have limited financing options?
Here are some common struggles you may be experiencing:

• Delayed project timelines due to a lack of access to the necessary capital.
• Stalled business growth, preventing you from taking advantage of new opportunities and expanding your business.
• A strain on your personal and business finances, which can be overwhelming and negatively impact your ability to succeed.
• Difficulty attracting clients to your projects, leaving you without the necessary funding to move forward.

If you’re facing any of these challenges, don’t worry – you’re not alone.

Welcome to Rent a Rich Uncle, where we provide an innovative solution to help clients access capital that traditional banks and brokers cannot offer.

Our program involves purchasing Courtesy Deposits (CDs) from local FDIC-insured banks in exchange for funding our clients’ projects.

Here are the program details:

• Our program facilitates funding for projects globally by purchasing Courtesy Deposits from international banks with a corresponding FDIC-insured bank in North America.
• Some financial institutions, subject to their loan offer and terms and conditions, enable clients to access their funds within 72 hours of Courtesy Deposits being deposited into their bank account, subject to certain conditions.
• Clients can access up to two hundred million dollars ($200 million).

Conditions:

• The bank cannot hold Courtesy Deposits (CDs) as collateral, and the client must receive the requested amount of capital.
• The international bank must have a corresponding bank in North America that is FDIC insured to participate.
• Participating companies must seek access to capital between twenty million and two billion dollars (Minimum: $20M USD – Maximum: $2B USD).
• If the client has a viable project and cannot identify a bank willing to accept Courtesy Deposits to finance the project, AFG may be able to assist in finding a bank through AFG’s “Locate a Lender” service. Additional fees will apply, and terms and conditions will be provided.

• Good credit history and experience in the area requiring funding.
• A solid business plan.
• A financial institution that is ready, willing, and able to complete the transaction on the condition that our financial partners purchase Courtesy Deposits from the institution.
• A financial institution that has agreed to fund the client the required amount of capital for their project and has also agreed not to hold the Courtesy Deposits as collateral.
• Unencumbered assets equal to the required loan amount for the bank to secure against.

When a “Rich Uncle” provides capital as a deposit (not collateral) at a financial institution, the institution’s liquidity increases. Often, the term sheet the client receives is significantly better compared to not having a Rich Uncle providing capital.

1. Participating customers must first schedule a consultation call.

2. After the consultation call, the client will receive the initial paperwork:

   • CIS/KYC (Customer Information Sheet/Know Your Client)
   • Mutual NDA/NCA Agreement
   • Joint Venture Agreement

3. Following the consultation call, the client is required to find a financial institution that has agreed to fund the client’s project or engage AFG’s Locate a Lender Service, assuming that AltFunds Global’s financial partner can purchase Courtesy Deposits from the bank. The lender must agree that the Courtesy Deposits are never held as collateral.

4. Once the lender has been identified, AltFunds Global will contact the bank to ensure Courtesy Deposits are not held as collateral. Once confirmed, AltFunds Global will provide the required paperwork for the client to sign, ensuring they acknowledge that the Courtesy Deposits are not held as collateral, and sign any additional paperwork required by the lending institution.

5. The client is required to deposit the fees with the appointed law firm. Once AltFunds Global deposits the required Courtesy Deposits into the lender’s bank, AltFunds Global will provide proof that the Courtesy Deposits have been sent. The appointed law firm will then pay the fees due to AltFunds Global.

6. Initially, once all fees are cleared in the law firm’s account, a small test run will be conducted. Once the financial institution confirms receipt of the test Courtesy Deposit amount, the remaining Courtesy Deposits will be purchased as per the plan agreed upon with the financial institution.

• CIS/KYC (Customer Information Sheet/Know Your Client).
• Mutual Non-Disclosure, Non-Circumvent Agreement (NDA/NCA).
• A signed fee agreement for services rendered.
• A professionally written and well-thought-out business plan.
• Lending Locator Services, if AFG is required (and has agreed) to find a lender.
• Proof of funds for the 11% fee and Lender Locator fee is required.
• Banks/Lenders Checklist: Click here to view a checklist of what Banks/Lenders are looking for.

• If AFG is required to obtain financial institutions to provide loan offers based on receiving Courtesy Deposits, the AFG Locating a Lender Service fee is 1.5% of the loan amount or $37,500, whichever is greater, to source a written offer from lenders. If we are unsuccessful in obtaining a written offer, the $37,500 fee is non-refundable.

• A one-time fee of 11% applies when purchasing a two-year CDS. Additional terms beyond two years require a separate agreement. The offer from the financial institution will indicate the value of Courtesy Deposits required to equal the loan amount for the client. This can vary from lender to lender, and in some cases, a value of up to 1.5 times the Courtesy Deposits may be required to secure the loan amount.

• 10% of AFG’s profit share for any direct referrals.
• 5% of AFG’s profit share for referrals that introduce clients.

30 banking days from the date final contracts are signed with the lender. This timeline may vary and is subject to the terms of the offer provided by the financial institution.

Fund with Confidence, Build with Purpose

At AltFunds Global, we're redefining how projects get funded—transparently, securely, and with your trust at the core. While we're committed to delivering exceptional opportunities, we must understand that all deposits carry inherent risks. The funds you deposit may be subject to project-related uncertainties and could potentially be lost. This isn't just a legal requirement—we promise to keep you informed every step of the way.

Here's what separates us: Every deposit you make is held securely with a reputable law firm, bank, or financial institution we partner with. Your capital will only leave these third-party institutions with your explicit authorization, ensuring transparency, accountability, and peace of mind as we work together to bring ambitious projects to life.

Your trust is our foundation, and your vision is our mission. Let's build something extraordinary—responsibly and together.

Program Overview

1. What exactly is the ‘Rent a Rich Uncle’ program?

The Rent a Rich Uncle program is a liquidity enhancement solution that allows businesses to secure funding by leveraging Courtesy Deposits (CDs) purchased from FDIC-insured banks. This method increases the bank’s liquidity, making extending loans to qualified clients easier. Unlike traditional financing, where the borrower must put up significant collateral, this program enables access to $20 million to $2 billion in capital without using the Courtesy Deposits as collateral.

2. Is AltFunds Global lending me money?

No. AltFunds Global is not a bank and does not lend money. Instead, we place Courtesy Deposits into financial institutions, improving their liquidity and enabling them to provide loans. The decision to approve your loan rests solely with the bank.

3. Would AltFunds Global accept my project for funding, and what is the rate?

AltFunds Global does not approve or reject projects—only banks do. Your project’s success depends on:

• The financial institution you work with.
• Your credit history.
• Your experience in the industry.
• The collateral you provide.
• The bank’s risk appetite and lending policies.

The interest rate is set by the bank, not by AltFunds Global. However, because we deposit over 100% of the required loan amount, our experience as clients of this program has shown that borrowers often secure better-than-market loan rates and terms than conventional loans, where borrowers typically deposit only 20% equity.

Eligibility & Qualification Questions

4. What are the requirements to qualify for this program?

To participate, you must:

• Have a strong credit history and industry experience.
• Provide a detailed and professional business plan.
• Identify a financial institution willing to lend based on Courtesy Deposits.
• Ensure the bank agrees not to hold the Courtesy Deposits as collateral.
• Have unencumbered assets equal to the loan amount.

5. What if I don’t have a lender willing to fund me?

If you don’t have a lender, AltFunds Global can help locate one through the Locate a Lender service. This service costs 1.5% of the loan amount or $37,500 (whichever is greater). However, this fee is non-refundable if a lender is not secured.

6. Can startups or pre-revenue businesses apply?

Yes, but only if they can:

• Present a compelling, well-documented business plan.
• Demonstrate financial backing, assets, or other securities.
• Secure a lender that is comfortable with the project’s risk profile.

Most lenders will require proof of experience and financial stability, so startups with no track record may face challenges securing approval.

Process & Timeline Questions

7. What are the steps to participate?

1. Schedule a consultation with AltFunds Global.
2. Submit required documentation, including CIS/KYC forms, NDAs, and a business plan.
3. Identify a lender or engage AFG’s Locate a Lender service.
4. Sign agreements and deposit fees with the appointed law firm.
5. AFG purchases Courtesy Deposits and provides proof to the lender.
6. The lender funds the loan, following a test deposit before complete execution.
7. Final capital is released based on the financial institution’s terms.

8. How long does it take to receive funding?

The standard timeframe is 30 banking days from when final contracts are signed with the lender. However, this can vary based on:

• The lender’s due diligence process.
• Compliance checks and legal requirements.
• The complexity of the financial institution’s internal approvals.

Clients should anticipate delays, especially if additional documentation or negotiations are required.

Financial & Fee Structure Questions

10. What fees are involved?

• Lender Locator Service: 1.5% of the loan amount or $37,500 minimum, non-refundable if no lender is secured.
• Courtesy Deposit Fee: 11% one-time fee for a two-year Courtesy Deposit. Additional fees may apply if the deposit term exceeds two years.

11. Are the fees refundable?

No. Once services are provided, all fees are non-refundable.

12. What proof do I receive that the Courtesy Deposits have been made?

AltFunds Global confirms that the deposits have been placed in the corresponding FDIC-insured bank.

Final Thoughts

The Rent a Rich Uncle program offers a unique pathway to large-scale funding, but it requires:
✔ Strong financial planning
✔ A committed lender
✔ The ability to cover upfront fees
✔ Patience with the banking process

For experienced borrowers, this can be a game-changing solution, but due diligence is key.

👉 To explore your options, schedule a consultation with AltFunds Global today.