Niche Lending for Agri

Ad Majorem.....Wealth Builders

When I was discussing with our manager the proposed mechanics/process of bridge financing, he talked to me about agri bridge financing.  Farmers usually have no inputs for the planting season and they would like to bridge that by borrowing.  Here  is the deal:  for every x amount they borrow, they will repay with c amount of produce.  And this would amount to 30% levy/interest on the amount borrowed.  At 3x harvest every year, this would be a 100% ROI almost.  All you need is small light truck to collect your repayment (principal plus interest) and a warehouse.  There you could gain price increase on your stock.

With higher price support for farmers, and unstable supply, this is a lucrative business.

The fertilizer scam under the past administration laid to waste our good agri production.

Next time a cabinet official (Usec Ordonez asked me 3 years ago if I know how to run a bank for farmers) I would know how to answer

Bridge financing funded by retirement fund (New Product)

TO       :   Eddie

Subject :  New Product

I just came across a business idea in the conversation with an investor/lender In Urdaneta.  He lends money with stiff rates and has in the process, acquired many prime properties.  He solicited our help develop and implement  business concepts.  He is 70 years old and not one of his scions is interested in what he is doing.

One such concept that came in is the bridge financing:  Here how it works.

1.  The fund is available to those who need immediate funds to answer their obligations pending:    release of bank loans (that are slow and tedious with endless requirements)  and PDC maturity.

2.  The % is 2 to 3% per week;

3.  The collateral are - bank guarantee or PDC

4.  The selection is based on iron clad character referral from business friends plus BI

5.  The fund source is the retirement income of funds of elderly Chinese who need monthly cash flows.  We can give as much as 1% to 2% per month of their investment. Let us interest those who have such need.  This could be an LOI thing a P10 to P20T for every million (compared to just measly P4t they get now) monthly income for retirees.

Can we do this, say set aside 300T for this purpose and solicit retirement fund. 

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