We are proud to offer leased bank instruments and monetization of bank instruments in our portfolio.

You can choose between two options for a loan: a Recourse Loan at a 2% annual interest rate for up to 10 years, with up to 4 years of grace period, or a Non-Recourse Loan, which does not require repayment. We offer loans globally, and we welcome applicants from all countries, including developing nations.

Loan to Value (LTV):

1. Recourse loan LTV: 80% of the Face Value.

2. Non-Recourse loan LTV: 65% of the Face Value.

Although we handle everything in-house, Leasing and Monetization are two distinct services, and they operate independently from each other. The lease of bank instruments is managed internally by us, while monetization is carried out through an attorney-trustee office.

– Reliance Capital Finance Limited can only monetize its own bank instruments through our attorney’s trustees, with a minimum face value of $10M and a maximum of $500M per tranche.

– If a client is leasing a bank instrument from Reliance Capital Finance Limited, the client is only required to cover the initial deposit fees. The attorney-trustee office will cover the cost of the lease instrument if the loan is approved.

To lease a bank instrument from us and obtain a Recourse or Non-Recourse Loan using the same instrument, the following steps are required to get started:

1. Initial Application (Bank Instrument – Leased Application): Upon submission, the compliance approval process takes 24 to 72 working hours.

2. After the application is approved, the client has 3 days to submit payment.

3. Once the bank instrument lease agreement has been finalized on your behalf, you will receive another application for the bank instrument monetization and the corresponding recourse or non-recourse loan. After submission, this application also takes 72 working hours for compliance approval.

4. The bank instrument leasing process takes 35 banking days via Euroclear or 7 banking days via Swift after payment is received.

5. The monetization of the bank instrument will take 30 banking days via Euroclear or 14 banking days via Swift.

6. The total processing time is 65 working days via Euroclear or 21 banking days via Swift after payment is received. Please note that these are banking days, and weekends or holidays are included in the count.

Important Information:

1. Loan approval is most likely to be approved since you lease the bank instrument from us.

2. The lease instrument cost (minus the initial deposit) will be paid directly to us from the first loan disbursement, provided your loan is approved.

100% SATISFACTION GUARANTEED

We Protect Our Client Deposits Fully Through 3 Levels of Protection

You never have to worry about your security with our three levels of protection:

1. A Two Percent (2%) Non-Performance Penalty

   – A Two Percent (2%) damage fee will apply to any Party that fails to perform. This 2% fee will be charged in either of the following cases: (1) when the Provider has sent a Corporate Invoice that the Beneficiary’s Bank refuses to respond to or pay, and/or (2) when the Beneficiary’s Bank is ready, willing, and able to receive the BANK INSTRUMENTS, but no BANK INSTRUMENTS are delivered from the Provider’s Bank via SWIFT MT-760, DTC, Euroclear, or Bloomberg.

2. A Program to Refund Deposits (all our agreements are Bank Endorsed (confirmable) with full bank responsibility as an insurance wrap)

   – Under our agreement with the banks, the bank assumes responsibility for payment once the transaction is completed.

   – When a bank endorses an agreement, it assumes responsibility before the client pays any fees to our company. We are the only Bank Instrument Facilitators in the world that guarantee 100% of your initial deposit through bank endorsement, prior to the client releasing any payment.

3. Attorneys Client Trust Account

   – Once your agreement is approved by the compliance department and bank endorsed, payment must be made ONLY AND EXCLUSIVELY to an attorney’s office client trust account. These banking details will be provided directly by a Reliance Capital Finance Limited compliance officer (CCO) and will be included in your invoice.

This Refund Deposit Program protects our clients and makes sure that the deposits are completely safe.

Loan Disbursement:

1. 21 days after confirmation and authentication of the MT-760, we release the first disbursement (20% of the loan).

2. 30 days after the first disbursement, we release the second disbursement (20% of the loan).

3. The remaining 60% of the loan will be distributed over ten (10) months, with disbursements made every 30 days following the second disbursement.

Recourse Loan Disbursements Example (100 Million Euros – With a Reliance Capital Finance Limited Leasing Bank Instrument):

Lease Bank Instrument face value: €100,000,000.00  

Recourse Loan disbursement LTV (80%): €80,000,000.00  

Loan commission fees (5%): €4,000,000.00  

Lease instrument cost (8-2%): €10,000,000.00  

Total Loan Disbursement: €66,000,000.00  

Example of Recourse Loan Disbursement Schedule:

Recourse Loan Disbursements Amount in Euros

Loan Disbursement	Amount (€)	Date of Disbursement
Loan 1st Disbursement	€13,200,000.00	20% of the loan in 21 days after received and authentication of the MT760.
Loan 2nd Disbursement	€13,200,000.00	20% of the loan 30 days after the 1st disbursement.
Loan 3rd Disbursement	€3,960,000.00	30 days after the 2nd disbursement.
Loan 4th Disbursement	€3,960,000.00	30 days after the 3rd disbursement.
Loan 5th Disbursement	€3,960,000.00	30 days after the 4th disbursement.
Loan 6th Disbursement	€3,960,000.00	30 days after the 5th disbursement.
Loan 7th Disbursement	€3,960,000.00	30 days after the 6th disbursement.
Loan 8th Disbursement	€3,960,000.00	30 days after the 7th disbursement.
Loan 9th Disbursement	€3,960,000.00	30 days after the 8th disbursement.
Loan 10th Disbursement	€3,960,000.00	30 days after the 9th disbursement.
Loan 11th Disbursement	€3,960,000.00	30 days after the 10th disbursement.
Loan 12th Disbursement	€3,960,000.00	30 days after the 11th disbursement.

Non-Recourse Loan Disbursements Example (100 Million Euros – With a Reliance Capital Finance Limited Leasing Bank Instrument):

Lease Bank instrument face value: €100,000,000.00  

Non-Recourse Loan disbursement LTV (65%): €65,000,000.00  

Loan commission fees (5%): €3,250,000.00  

Lease instrument cost (8+2%): €10,000,000.00  

Total Loan Disbursement: €51,750,000.00  

Example of Non-Recourse Loan Disbursement Schedule:

Loan Disbursement	Amount (€)	Date of Disbursement
Loan 1st Disbursement	€10,350,000.00	20% of the loan in 21 days after received and authentication of the MT760.
Loan 2nd Disbursement	€10,350,000.00	20% of the loan 30 days after the 1st disbursement.
Loan 3rd Disbursement	€3,105,000.00	30 days after the 2nd disbursement.
Loan 4th Disbursement	€3,105,000.00	30 days after the 3rd disbursement.
Loan 5th Disbursement	€3,105,000.00	30 days after the 4th disbursement.
Loan 6th Disbursement	€3,105,000.00	30 days after the 5th disbursement.
Loan 7th Disbursement	€3,105,000.00	30 days after the 6th disbursement.
Loan 8th Disbursement	€3,105,000.00	30 days after the 7th disbursement.
Loan 9th Disbursement	€3,105,000.00	30 days after the 8th disbursement.
Loan 10th Disbursement	€3,105,000.00	30 days after the 9th disbursement.
Loan 11th Disbursement	€3,105,000.00	30 days after the 10th disbursement.
Loan 12th Disbursement	€3,105,000.00	30 days after the 11th disbursement.