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Layer 2 - Mezzanine Debt

Mezzanine Debt is provided by independent funds and on EBITDA multiple basis. It stands behind the senior debt. It is unsecured by assets and does not require a personal guarantee. This layer carries significantly more risk than senior debt. It is generally priced at 20% per annum. The mezzanine provider charges interest of approximately 12% per annum and takes a small equity warrant in the business ranging from 5 to 20%. The standard mezzanine debt multiple is 4 to 4.5 times EBITDA. Mezzanine loans are long term money. They usually require only interest payments with no principal payments for the first 3 to 4 years. Most mezzanine loans mature in 5 to 7 years. Because mezzanine lenders own a small piece of the business, they tend to share same risk reward profile as the business owner. It is in their own interest to promote growth of the business.

Mezzanine debt is a hybrid form of capital with features of both debt and equity. Mezzanine debt is generally structured as 6 years in maturity with interest only for the first three years. It ranks junior to senior bank debt. It carries an interest rate of approximately 12%. Mezzanine lenders target companies that are well established consistently profitable. Typically, these companies have strong cash flow but are not bankable due to a lack of hard assets. Mezzanine debt, when properly used, can provide all the capital needed for to fund an acquisition or buy-out. A business’ mezzanine debt capacity is easy to define and can make a world of difference in terms of ownership dilution.

Attract Capital is an expert in measuring any company’s mezzanine debt capacity. Regardless of the type of business, its revenue size ($10 million to $100 million) or financial trend (strong, flat, uneven) – we bring life to a business’ mezzanine debt potential. Through creating this possibility of mezzanine debt financing, we greatly expand our client’s access to capital.

Original post "Layer 2 - Mezzanine Debt"

Debt Settlement : Is this for you?

I get lots of questions from my readers asking about debt negotiation and settlement. A few years ago, I got to know Sam Sky, who is in the debt settlement and credit repair business with Debt Negotiation Associates. I've made an arrangement with him to provide his services to my readers and also asked him to give us a run down on what is debt negotiation, the pros and cons. This is what he has to say. From : Sam Sky, Debt Negotiation Associates If you presently find yourself with a huge debt burden, you do realize that you somehow have to resolve this situation. There are a few options that you have. Some are straightforward enough, but some require some explaining. So here are your options you can take. 1. Get a job that triples your present pay or win the lottery - It may be unrealistic for most, but for some lucky few, this could be just the ticket to pay off your debt without resorting to the other options below. 2. Bankruptcy - For some, this may be the smartest option. But for many, the stigma and the fact that this stays on your credit report for 10 years matters. Furthermore, bankruptcy is in the public records and requires you to appear in Federal Court. If you file for a chapter 13 bankruptcy, you may still have to pay your creditors a portion of what you owe them even after you have emerged from BK! Bankruptcy is most appropriate if you cannot even make payments either because of loss of job, medical condition (disclaimer: this is not legal and you are adviced to seek legal opinion). 3. Obtain a debt consolidation loan - This normally takes the form of a home equity line of credit (so essentially you need to have a home). With the latest financial crisis and loan losses suffered by banks, this is becoming a more difficult option than it was a couple of years ago. Furthermore, if you do a debt consolidation loan secured by your home, it puts you in an even more precarious situation because if you ever miss your payments again, there goes your home! This method will be suitable for some with sufficient equity in their homes, has a stable job and essentially can afford their interest payments but want to lower them. 4. Consumer Credit Counseling Services - This is usually a "non-profit" organization that is funded by contributors from various creditors (whose side are they on?). This is how it works. The consumer credit counseling service will usually get you a lower rate from your creditors. You will have to pay them a monthly payment, which they will disburse to your creditors. Your monthly payment will include a fee to them (for negotiating a lower rate for you). The advantage of going this route is that your monthly payments will be lower. This disadvantage is that your debt burden is not reduced. This will only work if the new monthly payments are lower than your existing payment (including the fee). If all you have is credit card debt, you should first actually try to call the credit card companies yourself to try to get a lower rate. 5. Debt Settlement for less than the full balance - If done correctly and under the right circumstances, the majority of creditors will settle for less than the full balance. Debt negotiation will work for those who are in a situation of heavy debt burden, but will actually do just fine if that burden is reduced. Since debt negotiation is my specialty, let's go over this in more details. Who is it for Debt negotiation is not for everyone. It is most suitable for those people whom just a reduction in their debt load would put them back on a stable financial footing. If you are too deeply in debt, have lost your job and have no savings, bankruptcy may be the only option for you. What can be settled? Debt negotiation is only available for unsecured debt. That means things like credit card debt, medical bills, department store credit cards. There is really not much you can do with debt that is secured like your mortgage (backed by your home), student loans (which you cannot get rid of even in a bankruptcy), alimony and child support (mandated by the courts), although these days, you may just try to negotiate your mortgage with your bank. Depending on the creditors, it is possible to settle as low as $0.35 on the dollar though some will accept about $0.60. Can I do Debt Negotiation Myself? Off course you can. But before you do so, there are some vital things you have to know before you go DIY. You need to be a good negotiator and have the right mindset - Your creditors just aren't going to say YES, give you your wishes and write down thousands of dollars of debt without a fight. As with most negotiation process, this can be a drawn out process and you have have perseverance and patience. Only you yourself will know if you are the "negotiating type". Beware that creditors often threaten litigation - Many times, they are bluffing. But sometimes they are not. When should you call their bluff? Or how do you even know they are bluffing? Truth is that most folks will not know unless you have been in the business and know how they respond to debt settlement negotiations You need to know what is a good settlement? - Is $0.50 a good deal or not? Truth is it all depends on the creditors. Some creditors are easier to work and then to settle for a bigger haircut. Others may never settle for less than $0.60 on the dollar. The trick is to know the the patterns of the different creditors so you'll know when to hold out and when to accept an offer You have to negotiate differently with different creditors - just like different creditors will settle for different amounts, dealing with different creditors requires different negotiating tactics. Different creditors simply have different guidelines as to on how to deal with this matter. What works for one may end up triggering a lawsuit for another. Very often, debt settlement is about who you know and who you spoke to rather than what you know - Getting to the right person can make all the difference in the world between getting a settlement or not. You need to know if you should negotiate with the creditors or let your account go to a collection agency and negotiate with them instead - this can be tricky. The answer is that it usually depends. Sometimes, it is better to negotiate with a creditor and at other times, it is better to negotiate with the collection agency. What do you do if your accounts is referred to a law firm? - Does it mean that you will definitely be sued. Not necessarily. We have negotiated settlements with law firms over the years. There is a different approach to settling with them than with a typical creditor. Can liens and judgments be settled? - Yes they can, BUT there is a proper way to do it and you have to ensure that the proper paperwork gets filed at the courthouse when all is said and done. Understand that there are various methods to settle your debt - You could get the principle reduced and pay it off over 2 to 4 years or negotiate a lump sum. Depending on which method you choose (or can afford), you could potentially protect your credit score. What are the different ways to settle your debt? There are two ways to do this. You could settle your debt for a lower principle and pay it off over 2 to 4 years. Alternatively, you could settle your debt and pay it off immediately once you agree to the settled amount. This process usually takes a few months. If you can afford a lump sum settlement, we can negotiate terms for you so that your credit will not be affected. What are the drawbacks of Debt Negotiation? Debt Negotiation is NOT for everyone. Rather than painting a beautiful picture, I'd rather give you both the good and the bad and explain some of the issues you may face if you decide to go this route. No debt negotiation company can guarantee that they can stop all collection calls - The good ones will be able to dramatically reduce the number of collection calls (sometimes even all). But you may still get calls from collection agencies. No credible debt negotiation company can guarantee any specific amount - Just like no investment advisor can guarantee a consistently high returns every year. But what they can guarantee is a sound investment philosophy. Similarly, a credible debt settlement company use use sound practices and protocols that will over time produce consistent results. But this cannot be guaranteed for every client. Your credit score will take a hit - Under most circumstances, your credit score will take a hit UNLESS WE NEGOTIATE A LUMP SUM SETTLEMENT ON YOUR BEHALF. But you already understand this, you cannot not to pay your bills, get them reduced and not have your scores affected. Why People Use Debt Negotiation Associates? So let's get to the chase. Why do people use us instead of doing it themselves or using other firms? Well, for several good reasons. You do not have the time to see through this process. Look, as much as I like it to be like time, debt settlement takes more than a 10 minute phone call with your creditors. And they are not going to just rollover with you and agree to your proposal. This process requires planned phone calls, letters and constant negotiations which will take months. You just do not know how to go about doing this - each creditor has their own policies and procedures and you have to deal with different institutions differently. You will probably do this only once in your lifetime (hopefully) while I have done it for years. I know the different creditors and how to negotiate with them. By utilizing us, you get away from the emotional baggage that comes when you are constantly battling with your creditors and collection agencies. In certain cases, your agreement with your creditors will specifically state that you cannot negotiate with them. In that case, you simply have to use a third party. More to the point, if you are not in a perfect state of mind, you cannot negotiate. That is why people who make a lot of money always use a recruiter or their agent to negotiate for them because emotions get in the way of making the best decisions If you can afford to settle for a lump sum payment, we have learned how to do this while protecting your credit - Yes, in fact, I think that we are the only firm that does this and we have learnt to negotiate lump sum settlements in return for creditors protecting your credit. Before I go.... I hope you have found this information helpful for yourself. I have given you an outline of the various choices you have if you are deep in debt (especially unsecured debt). You have various choices as we have outlined above. Debt negotiation is not for everyone. For whatever the solution is for you, you have to take action. If you do nothing, your circumstances will not change. If you do something about your situation, then you could potentially sleep better know that you will not be in financial ruins get that debt burden off your shoulder heal any rifts in your relationship with your loved ones because of the stress you are going through Remember, only you can decide your future. I hope you have found this information useful. If you decide to engage in my services, all you have to do is just to fill out the form below. There are a couple of requirements for us to work with you. Firstly, your unsecured debt must be at least $15,000. After going through your situation, you must be in a position to service the new reduced debt. If we feel you should consider bankruptcy, we will advice you to consult a bankruptcy attorney. Either myself or one of my associates will call you and talk to you about your problems and hopefully, help you out. Regards Sam Sky Debt Negotiation Associates  ...

Original post "Debt Settlement : Is this for you?"

FilVets kept waiting for lump sum payment

SAN FRANCISCO—Filipino World War II Veterans are no strangers to waiting. After 63 years of waiting for their benefits, the manongs say they are being made to wait again, this time for their lump sum payments.
Every day, Ceferino Palad walks to his mailbox, hoping his fortune will finally come.  He was among the first veterans who filed their lump sum claims a few weeks after the law was passed in February.
"Araw-araw naghihintay kami. Eh ilang buwan na ngayon.  Nasaan na ang pera namin?" Palad said.
Out of 34,000 claims filed, the Veterans Affairs in Manila has only processed 5,000.  The VA denies any delay and says it even hired 15 additional staff to expedite the lump sum processing.
“We've paid out almost 40 million dollars benefits so far and that's an extraordinary number considering that the law just passed a few months back,” said Jon Skelly, Director of the VA Manila Regional Office.
The VA says other claims take much longer to process because of incomplete forms and documents.  Skelly reminds veterans to keep their mailing addresses updated with the VA.
Many veterans are concerned their lump sum payments won't arrive before the February 16, 2010 deadline.
"May sakit kasi ako eh.  Paano kung mamatay na ako, pero wala pa yung pera?"  said veteran Benjamin Canonigo.
The VA clarifies that the February 16, 2010 deadline is just for application purposes.
“We will continue to process claims long after that if need be to make sure every claim has a decision made on it,” Skelly said.
The VA says the only way the filing deadline will be extended beyond February 16, 2010 is if Congress passed an amendment.
The VA adds that should the veteran pass away before his claim is processed, his widow can get the lump sum payment.  But if the veteran is already widowed, the payment will not be extended to any of his children or any other heir.
"Kailangan din ng mga anak namin ang pera.  Sana naman puwede naming ipamana sa kanila,” said Justino Lauzon, another veteran.
Veterans who are already widowed are proposing to the Veterans Affairs that they can submit a will, indicating that they want their money to go to their children or other heirs should something to them before their claim is processed.  They hope the VA will consider this request.

Original Post "FilVets kept waiting for lump sum payment"

News on the project SWB. (Good news ...) Moscow for Internet business.

Very briefly, I will not paint too much detail ("I'll be brief ...;))

Network Marketing offitsiadno "legitimized"!

In Moscow, the State Duma adopted a draft on the development of network business, which the official tsenrty employment will offer work to build a business in the "network" companies!

This is progress, because Today network marketing in Russia by law is not regarded as full employment.

In the last days of May, the sponsors'SWB Life"Viktor Borisovich Partola and Sergey Protsenko already carried out" global "presentations of all projects the corporation"SWB"In the capitals of Belarus, Kazakhstan and Russia (And quite successfully). Turns out CompanySWB"Not only has actively supported the program to create new additional jobs in the capital of the Russian Federation, but also entered the labor market in Moscow with the full approval of the Moscow City Duma!

It speaks for itself about the possibilities of the project «SWB», its relevance and reliability! Hence - warranty!

By the way, if You have time to enter the draft«SWB Life» until the close of the month (Register and pay), To Thursday, inclusive, after the closing of the month will receive credit for bezprotsentny year (!!!), to purchase additional accounts (which give you the opportunity passive income up to $ 20 per day, plus a salary from the project).

More news!

Draft «SWB» introduced protection from the use of scripts and bots to fill in questionnaires!

Now there are additional questions that must OBYAZATELNO CORRECT ANSWER! Otherwise (if the wrong answer to the quiz) filling the questionnaires will be locked for 24 hours!!! It is necessary to fill out very carefully and attentively!

Good luck to you in the Internet business!

If you have questions, please!

My contact details:

Skype: PAndy76

Launched a project SecureaATopSpot. (Registration is free, it's time to activate!)

I was a little distracted from the project "Secure A Top Spot", Now post the information that received from the sponsor

Information for those who are registered in "SecureATopSpot"

It's time to activate your account!

Choose Premium Membership clicking onUPGRADE NOW, Click on "Add To Cart"And click on"Checkout"Go to fill their data. You can choose the membership is not"Premium Membership"And" Basic Membership "toga but you lose a lot of privileges and, respectively, in cash (Avaricious pays twice!)

• First Name: name
• Last Name: name
• Company Name: not necessarily
• Country: your country
• Address: street, house, Apt.
• City: your town
• State / Province:Your Region
• Zip / Postal Code: zip code
• Phone Number: telephone number
• Fax Number: not necessarily
• Email Address:Internet e-mail address
• Website Address: not necessarily
• Shipping Information - Information Delivery
• Use my Billing Address Above - Use the accounts above address:
• Enter a Different Shipping Address - Please enter a different shipping address:

Click on:Continue"
On the next page, check your details and choose payment VISA or MASTERCARD

For the new kid REGISTER HERE

Now you can get from all those who join after you. But you also will earn from those who have already left and those who join now, you'll gain from higher, lower, and those who are close to you on both sides!

When you register at the top of the site, click on "JoinAnd fill all fields of English alphabet.

• User Name: Your username.
• Password: Your Password.
• Verify Pwd: repeat password.
• Pwd Hint: secret word as a reminder of your password
• Then put a tick and proceed to the next page by clicking on "Next", Then again click on"NextAnd dozapolnite registration form.
• First Name: Your name.
• Last Name: your name.
• Company: write your name.
• Email Address: your mailbox.
• Website URL-this is your link that you better just save, put in the Favorites.
• Street: your street and house rentals.
• City: Your city.
• State: If you're not in the U.S. then choose NA.
• ZIP / Postal Code: your index.
• Country: just skip.
• Phone: Your phone.

AND Click "Accept Next"

After watching your mailbox ...

               

For all questions PLEASE CONTACT ONLY Skype!

Good luck to you in the Internet business!

If you have questions, please!

My contact details:

Skype: PAndy76