NEW Program 

Qualifying Projects (80-90% financing): acquisitions, start
ups, company expansions, mergers, new cash infusion, partner
buyouts, operating funds, inventions, research and
development (R&D), bailing out companies in trouble, real
estate developments, hotels, resorts, apartment buildings,
office buildings, mining projects, gas, energy, casinos, 5-Star
Mobile Home Parks (more list below)...FICO IS NOT AN ISSUE.
We accept and will consider ANY PROJECTS, and welcome
(Due to the lender backing out of their commitments).
Loan amount from $5,000,000 to $500,000,000​​

                                                                                          ALTERNATIVE DIRECT PARTNER FUNDING

Commercial properties, CONSTRUCTION (NICHE) Renewable projects, Oil and Gas, USA, and International Non-real estate transaction,
Internet base company, etc. no bars, real estate company, strip clubs ETC.
Projects must stimulate the local economy and have a solid Performa with Exit plan. All plans and permit in place at time of submission and
proof of 5% escrow
or Bank statement. Conference call upon approval from investor. 

Up to 75% Worldwide Business, Real Estate, Startups $10M to $20B USD. We are seeking Worldwide Commercial Projects that need $20 Million USD to $20 Billion USD in funding, and have – and can provide proof of - a minimum of 10% liquid cash in escrow. Funds remain in escrow until funding. Funds utilized at closing, or refunded if loan is not funded. Total loan amount deposit into escrow within 10 banking days, upon completion of due diligence.99.9% Success rate. 

70-85% Financing can be provided for some projects although all Projects need at least 10% liquidity.
The Sinking Fund Structured Debt Program is provided by a LENDER with 40 years’ experience who has closed over $134 Billion in worldwide projects in the last 10 years.

FAST Funding - typically 60-90 days To Apply: provide the following:

1. Project Name
2. Project Location
3. Brief, 1-2 sentence description of project
4. Amount Needed ($20 Million USD to $20 Billion USD)
5. Statement that client has at least 3% of the project amount available in liquid funds
(To not waste your time or ours, please only apply if you have at least 3% liquidity and
can provide proof of this liquidity to the lender)
6. Contact information for applicant
1) Executive Summary or Business Plan
2) Financial Projections, 3-5 years
After application, we'll usually get back to you within 5 business days with the next steps.  
FREE CONFERENCE LINE: 712-770-4700 Access Code: 227237#

We also have vast resources obtained through long established partnerships with $500 million in capital and capital commitments and access to virtually unlimited funding through our partner network. This unique combination gives us the ability to provide direct business funding, as well as funding through issuance of corporate bonds, for your energy project. With over $500 million in capital and capital commitments at our disposal for specialty financing and access to practically infinite capital, we can fund even your largest energy project

Conduit Warehouse Building Loan Program Overview

Regardless of your area of expertise, we provide professional advise, underwriting, processing and  loan placement for tougher transactions that fail to qualify for the traditional bank financing.
Our NETWORK DirectFunding is available for:
  • Asset based-loans
  • Large Construction Projects
  • Corporate expansion loans
  • Real estate projects
  • Large alternative energy projects
  • Large real estate development projects
  • For large developments in:
  • Agro-industry, Water production, Ports and Airports
Fossil fuels, Energy projects ( such as wind, solar, hydro), Mining
Telecommunications, Roads, Hotels, Sky Scrapers, Office Complex, Large Real Estate Projects and much more
Depending on your specific business needs, we have the solution that works for you with rates and terms that make sense for your business.

Commercial Equity-Debt-Venture capital Solution

Every project is different, which is why we cater every financing plan to the individual company and venture. In order to successfully fund your project, we will conduct a thorough analysis and weigh a number of items:
Your assets
Your level of experience with the project
Projections for the venture
Other factors that uniquely pertain to your project
Through taking these items into account, we can develop a plan that best serves your project and your company.. 
A Number of Options
We have a large funding capacity in addition to different types of financing for you to choose from, including:
Equity financing
Debt financing
Venture capital

Commercial Mortgage-Backed Securities (CMBS)

Fast & Maximum funding

LOAN AMOUNT                    $5,000,000 – $100,000,000
LOAN TERM                             10 years, 5 or 7 year term available in select instances.
AMORTIZATION                   25 year amortization for hotels; 30 year amortization for other property types                                                            with up to 10 years of interest-only available in select instances.
MINIMUM DSCR                  1.25x
MAXIMUM LTV                     Up to 70%-75% of appraised value depending on property characteristics.
INTEREST RATE                    Fixed rate throughout term and priced over corresponding swap rate.
ELIGIBLE PROPERTIES    Office, retail, industrial, hospitality, self-storage, mixed-use, manufactured                                                                       housing communities and multifamily.
ELIGIBLE MARKETS          All U.S. markets.
ELIGIBLE BORROWER    Special-purpose entity required.
RESERVES                                Taxes, Insurance and Replacement Reserves typically required.
                                                         Tenant Improvement and Leasing Commissions typically required for                                                                                 commercial properties.
RECOURSE                              Non-recourse except industry-standard “bad act” carve-outs.
PREPAYMENT                       Typical 2 to 3 year lockout, defeasance or yield maintenance thereafter.
ASSUMABLE                          Permitted subject to lender approval and an assumption fee.
SECURITY                                First-lien mortgage.
EXPENSE DEPOSIT           $50,000 expense escrow deposit – adequate to cover third-party reports, legal                                                            fees and  other customary costs. NO FEES PAID TO AMERICAP DIRECT, Only                                                              to Lender and third party reports. Americap Direct will only charge consulting                                                              fee for financial consulting, loan package service and credit services.
ORIGINATION FEE           None
IN-PLACE SUBORDINATE DEBT May be allowed in accordance with CMBS standards.
FUTURE SUBORDINATE DEBT     May be allowed in accordance with CMBS standards.


Quite often, a Borrower may find that their existing first mortgage has a yield maintenance prepayment penalty that effectively prevents refinancing, and that the first mortgage Lender will not allow a second mortgage. In this situation a mezzanine loan can free up trapped equity allowing the Borrower to leverage their assets and take advantage of attractive business opportunities.

Alternatively, if a Borrower is seeking higher leverage for an acquisition than a bank or conduit Lender is comfortable with, the answer may be a lower loan-to-value institutional first mortgage in conjunction with a Mezzanine loan. We can structure both parts of a bank/mezzanine loan, including negotiating the terms of the intercreditor agreement. Our Direct Private Lending affiliate, CITI ADVISORS, regularly works in tandem with our institutional Lenders. ref:winter/mezz


From credit tenant triple-net-leased properties to single, non-credit tenant "big box" properties, we have financed net-leased properties at both ends of the spectrum. 

Long-term, fully-amortizing loans that mirror the lease terms are possible, frequently with no points payable to the Lender. Often, people purchasing net-leased properties are involved in a 1031 tax-free exchange, and are under tight time constraints. We are very familiar with the time pressures that are impose, let CITI Advisors arrange financing for tenant loans.

Joint Venture & 144a Bond Program

Note:  ALL projects with loan amounts over 75% LTV will require a debt/equity structure. Equity requirement varies based upon evaluated underwriting risk, and comes with a 5-year buyout option for sponsor (with a pre-determined formula). Equity is based upon loan amount – not value, for borrowers protection!

80% Funding

SEC 144A Bond & Securities Program

  • The bond funding program offers the following benefits to investors:
  • 80% LTV (or LTC for construction projects)
  • No personal guarantee
  • No credit checks
  • No asset verification
  • No loss of equity in your business
  • Quick turnaround time – often 90 to 120 days.
  • Low underwriting fee — and no lender fees upfront – all paid at time of initial approval.
  • Flexible repayment terms
  • Requires $250,000 to $500,000 in verifiable liquid assets (No exception)
  • Eligible projects include:
  • Any stabilized commercial real estate
  • Construction or Rehabilitation
  • Mines
  • Oil & gas
  • Energy
  • Non-RE such as technology, pharmaceutical, major business acquisition/expansion


AMERICAP DIRECT advisors growth capital model which is also called expansion capital and growth equity, is a unique asset class of its own. Unlike typical later venture capital type models growth capital has out performed the venture capital asset class for a while. Growth capital belongs to the private equity investment family, investing into relatively mature companies that are looking for capital to expand or restructure operations, enter new markets or finance a significant acquisition.

Providing 70-80% equity funding, up to $500 million

Americap Direct has a source that can provide 100% equity financing that covers all project costs including: land acquisition, development, and construction and equipment costs. There is no interest charged during the term of the investment. Instead, the USA-based investment fund takes a minority equity position within the proposed project as compensation for the investment, with the buyout options determined during formal underwriting.
Investment Criteria for Joint Venture Financing: financing for all types of commercial real estate and alternative energy projects.
In general, they must meet the following criteria:

• The project is for NEW DEVELOPMENTS ONLY, needing $1 million or more;
• The project must be shovel-ready–defined as ready to break ground in
90 days or less;
• The project must be sponsored by an experienced developer with a significant financial stake.
• Asset-based loans, including In-Ground Assets;
• Corporate expansion loans;
• International Funding; and Hard money loans.
Joint Venture Financing Terms:

• 70-90% equity financing
• Typically three to five year term
• Non-recourse financing
• No interest payments during term of investment
• Minority equity stake in lieu of interest
• Take out with permanent financing or sale
Time to Closing: 90 to 120 days

Due Diligence Deposit for the Joint Venture Financing:
As a condition of financing, the USA-based investment fund will require a due diligence deposit that will be used to cover their underwriting expenses.

Joint Venture Equity Participation:

During formal underwriting, the investment fund will determine its equity participation in the project–typically 10%-40%. As such, they will take a minority interest in the project until completion/stabilization when they will look to exit the transaction via refinancing, sale of the project, etc.

Joint Venture Equity Financing Advantages:

• The developer pays no interest during the entire construction period–potentially saving millions of dollars in interest expense;
• Because the investment fund participates as a 100% joint venture equity partner, they assume nearly 100% of the project risk until completion or stabilization;
• Rather than the typical equity of 20% – 40% or more that is required in a traditional financing structure, the developer will only be responsible for a refundable due diligence deposit. This will allow the developer to reduce their up-front capital requirements while retaining a larger percentage of the project.

EB-5 Program Foreign National Loan Program

Note:  ALL projects with loan amounts over 75% LTV will require a debt/equity structure. Equity requirement varies based upon evaluated underwriting risk, and comes with a 5-year buyout option for sponsor (with a pre-determined formula). Equity is based upon loan amount – not value, for borrowers protection!

Call Today

The U.S. Citizenship and Immigration Services (“USCIS”) administers the Immigrant Investor Program, also known as “EB-5,” created by Congress in 1990 to stimulate the U.S. economy through job creation and capital investment by foreign investors. There are two ways for a foreigner to utilize EB-5 to gain lawful permanent residence for himself and his immediate family—the Basic Program and the Regional Center Pilot Program. The programs require that the immigrant make a capital investment of either $500,000 or $1,000,000 (depending on whether the investment is in a Targeted Employment Area [TEA] or not) in a new commercial enterprise located within the United States.
We maintain corresponding relationships with regional centers allowing for both debt and equity capital for projects located in the United States. Contact us directly for details.
Note:  ALL projects with loan amounts over 75% LTV will require a debt/equity structure. Equity requirement varies based upon evaluated underwriting risk, and comes with a 5-year buyout option for sponsor (with a pre-determined formula). Equity is based upon loan amount – not value, for borrowers protection!

Fixed rate terms (10, 15, 20, 25 & 30)
Adjustable rates (5/1, 7/1, 10/1)
Multifamily 5 units and up
Debt-to-income ratios are 35%/45% ("Assets for income" option)
No pre-payment penalties
Up to 75% loan-to-value financing
Eligible properties include Multifamily,commercial properties
Loans are manually underwritten
Income verification from your country of Origin
Close in your local U.S. Embassy
Self-employed okay
Competitive interest rates
Foreign National Loan Rates

  • 5 Year Term 5.875% 25 Year Amortization
  • 7 Year Term 6.025% 25 Year Amortization
  • 10 Year Term 6.850% 25 Amortization

International Trade Finance

We specialize in the issuance of Bank Guarantees, Documentary Letters of Credit, and Standby Letters of Credit from Tier I and Tier II rated Banks, and Credit Enhancement financing. In addition, we are capable of issuing “Back-to-Back” letters of credit, drawn on any investment grade bank from around the world from $5,000,000 to over $2 Billion

  • Factoring
  • Invoice Financing
  • Purchase Order Financing
  • Other Product/Asset Based Loans
  • Small Business Financing
  • International Trade Financing
  • Supply Chain Finance
  • Import/Export Finance
  • Monetization of Certificates of Deposits
  • Monetization of Medium Term Notes
  • Monetization of Direct Pay Letters of Credits
  • Monetization of Bank Guarantees (BG)
  • Monetization of Stand
  • By Letters of Credit (SBLC)
  • Blocked Funds and Proof of Funds Letters
  • Monetization of Government Bonds
  • Letters of Credit (SBLC)
  • Documentary Letters of Credit
  • Back to Back Letters of Credit
  • Insurance Wrap Guarantees for International Trade