CD Deposit Program

We take a simplistic approach in our CD Deposit Program by arranging Jumbo CD deposits of $100,000 to be made worldwide at suitable financial institutions. These deposits can never be put in jeopardy, overloaded, pledged or used as collateral toward or to guarantee another loan.

The purpose of this program is to ease your capital-seeking campaign by providing incentives to the lenders to fund your loan package. By attaching this Jumbo CD to your loan package, the lender will look on your loan proposal more favorably, making it easier for them to extend the loan. In addition to making your loan application look more favorable, the deposit provides the lender with liquidity for your loan and other loans. Not only will your loan, line of credit or borrowing package stand out, we go through the trouble of finding the right bank for you!

The terms of this CD Deposit Program are such that a minimum of double the amount of the loan request will be made as a deposit. In other words, if the loan amount that you are requesting is $1,000,000, then the minimum amount to be arranged to be made as a Jumbo CD deposit would be $2,000,000. When such a large amount of money is deposited at their bank, many bankers will look favorably upon your loan application. The minimum deposit that we will make is $100,000. There is no maximum amount that we will make.

Remember, since you cannot use the deposits as collateral toward or as a guarantee for the loan you are requesting, you will need to use a personal guarantee. If you do not want to use a personal guarantee when making your fund request then we suggest you make a deposit of four times the amount that you are requesting for loan. At no time does the lender have the right to offset the loan against our deposits.

The dollar amount you request and the amount of the deposit capital that is made on your behalf will dictate the CD deposit fees. A 3% charge will be assessed if more than $1 million is transferred in CDs. A 5% charge will be assessed for a transfer of less than $1 million.

For example, if you would like to borrow $1,250,000, we will arrange a CD purchase to be transferred to the bank in the amount of $2,500,000. You will be assessed a 3% fee (as the amount being transferred is over $1,000,000) of $37,500. However, if you are looking for a loan amount of $750,000, will transfer at least $1,500,000 in CDs and you'll be assessed a 5% fee on the $750,000 for the amount of $37,500.

You will not be billed any other fees beyond the fee. Before any CD deposits can be transferred, the fee amount must be paid to a Deposit Capital's trust account and we must receive confirmation by the financial institution of such.

We will make arrangements to have a small CD purchased at 10 banks that we believe will be interested in extending a loan based on having our product attached to it. We'll then prepare a professional package 8-10 pages in length and submit it to each of the 10 banks. When you submit your proposal for borrowing money to each of these banks you will submit this package with it. The lender will review your loan and see the deposit that has already been made into the coffers of their bank, demonstrating our program.

Our only job is to arrange for CDs to be purchased at the banks you are requesting money from. All other negotiations and dealings are between you and your banker. Our CD deposit program is a quick way to get funding and has an amazing 95% success rate. The key to getting funding is having a package that is bankable and professionally prepared. A non-bankable package will not work and you will be denied.

If you are declined by all 10 banks that you submit a bankable borrowing package to, we will search for 10 more banks for you to work with until you obtain the funding you need.

1.) Can the deposits you make be used to guarantee my loan?

NO. We cannot stress enough that any CD deposits that we make are independent of any loan that you might get. They cannot be used in any other way than what is stated below.

"The deposits we make cannot be encumbered, pledged, put in jeopardy, used to collateralize your loan, or used to guarantee your loan, and your lender does not have the right of offset against our deposits."

2.) Will I have access to the deposits you make for my own use?

NO.

3.) What are the qualifications for applicants to use/buy your product?

All applicants must agree to three conditions which are:

1. When we arrange a deposit in your behalf it must never be at risk. FDIC insurance in United States guarantees each $100,000 USD deposit and guarantees that it will be repaid. Any acceptable institution will carry this insurance for all deposits. Other countries may have other insurance programs available. Lloyds of London is one such insurer. Every institution that we deposit money in will be verified to make sure that there is insurance for our deposits.

2. At no time does the lender have the right to offset against our deposits. The deposit cannot be put in jeopardy, used as collateral for the loan or used as a guarantee for the loan and it must not be pledged or encumbered in any way. A 2% penalty fee will be assessed on the requested amount if these terms are misrepresented in any way or result in the non-viability of the transaction. This is another term that will be verified at length with a financial institution.

3. Prior to any movement of deposits into your requested bank, all required fees must be paid into the Deposit Capital trust account. We will arrange for the deposit to be made within 10 business days of receiving your completed application document and the receipt of your retainer funds in our trust account. Once the process has been started and the deposit has been ordered, the transaction cannot be canceled. If the deposit in your bank is not made within 10 business days of your retainer fee being received in our trust account, the retainer fee will be fully refundable as long as all the provided terms have been met.

4.) What is the total cost of your product?

You will be assessed a 3% fee for the total deposit over one million and a 5% fee for a deposit of less than one million. No other fees apply.

5.) Is there a minimum and maximum deposit?

While there is no maximum transfer amount, we do require a minimum deposit that we make of $100,000 USD. Your loan request must be 50% of our deposit. So if we deposit the minimum of $100,000, your loan package must be a minimum $50,000 USD.