Our Story
We are a collection of Canadians & Americans who have moved to a life in the sun and sand as “Ex-Pats”, but we continue to mobilize 30 years of financing relationships for the betterment of business.
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Instead of subscribing to the conventional “retail” lending models that dominate the Project Financing landscape, we have nurtured a personal relationship over several decades, with a very wealthy “Private Lender”.
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Because the Loans are coming from a single Financier who only lends their own capital, we are able to cut through the red tape associated with “pooled investor funds” and “corporate boards,” that need to approve deals using cumbersome risk mitigation and equity/revenue models.
The bottom line is this – Our Clients receive a guaranteed approval, as long as they are able to clear a standard background check, and their Project is not in a questionable industry, or located in a politically sensitive jurisdiction.
Benefits of Hiring "XPF Group"
“XPF” has the Direct Relationship with a Private Lending Group who will ultimately provide you with a guaranteed approval for your Project Financing. Our service will begin by assigning you your own "Personal Concierge" who will guide you through the Application Phase of the process, handle the necessary conference calls to get you up to speed and make you comfortable, culminating with the presentation of your File directly to the Private Lender. At this point, you are guaranteed to receive an Acceptance Letter, a Term Sheet, and your file will be moved to the front of their queue for processing, and final loan disbursement.
Are The Lending Rates Competitive?
Although there is a cost to doing business with us and our Lender, the Lending Platform has been designed to not only mitigate any and all risk to your Initial Capital, but it is also designed to deliver Project Financing at Interest Rates that are well below the industry standard. Debt-based Lenders will not provide 100% financing to any Project, and they fully expect you to infuse at least 50% of your own capital against the total budget. With our arrangement, you can actually access up to 3x your Initial Capital!
The standard global interest rate for this type of Retail Financing ranges between 10% and 18%, and Lenders will expect personal and/or corporate guarantees to protect their interests.
As far as "Preliminary Fees” are concerned when utilizing traditional Lenders, they are often wide ranging, but will extend as high as $300,000 for a $25M Project, once the Application Fees, Due Diligence Fees, Travel Expenses, Oversight Fees, Legal Fees, and Closing Costs are factored into the equation. And after all of that, you do this knowing that there are no guarantees that you will be approved, even after you have paid all of these preliminary expenses. Further, if you want your capital to be insured as well (as we do in our Loans), then your costs will eclipse the $500,000 level pretty quickly.
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The reason that we have been so successful in this industry is because we are able to deliver definitive results. We have the ability to cut straight to the approval and term sheet stage, and position you for financing in a predictable manner.