HumaniLend 
   Helping to Improve the Quality of Life for Everyone
Domestic Programs:

Overseas Program
Documentation Needed
Project Assistance

HumaniLend, LLC offers many financing programs to help qualified projects become a "reality". We offer Traditional Loan Financing programs, Equity Investment options, Lease Financing options, Government Programs, and have access to a variety of Private Lending entities, all of whom will work with you to provide the best Lending scenario available for your project, regardless of industry. Some financing options available include:

I. Traditional Term Financing:

Summary:

Loan Type:         Term Financing
Loan Limits:       $ 3 Million minimum; No Limit
Loan Term:        Up to 25 years; “Balloon” Loans available as well
Rate:                   3-9 % Fixed depending on Credit Rating of "Off-take" Client(s)
Payments:           Monthly; “Interest Only” during construction; Payment reserves created within
                             ​Loan 
Closing Costs:     At Closing from Proceeds
Loan Process:     3-8 weeks
Project Types:    Any project that has a Contract with a Governmental entity or agency, or with an
                            Investment-grade entity, or a Private equivalent; direct financing for Investment-
                            ​grade entities for Municipal infrastructure, Hotels and Buildings, or company-
                            ​operated Manufacturing or Production sites. 

Highlights:

• Financing is available for 100 % or more as needed or desired. The Loan amount offered is based on what the project can afford, meaning that the Loan can be issued for any amount that is supported by an Income stream that is “guaranteed” to be received by the project from its’ contractual commitments with an Investment-grade entity, or a qualifying Private equivalent, that supports a commitment to purchasing enough of the product the project produces to sustain the operation at all times. There are no restrictions for “Loan to Value” (LTV), or “Loan to Cost" (LTC) in this program. The Lender will evaluate what the Income stream will be for the project from the Contracts that the project has with a qualifying entity , and then base the Loan amount on what that “guaranteed” Income stream can afford. 

There is No Equity Investment or Collateral required from the Principal. The principals are not required to come up with any percentage of the Loan amount (Equity Investment) in order to obtain financing. Furthermore, under this program, the Principal does not need to "post" any personal assets as "Collateral". 

There are No “Cash Out” Restrictions. The Principal can use the excess Cash from the proceeds of the Loan they qualify for any other purpose that they wish, including to start a 2nd facility, use as a reserve fund for operational problems that may arise, or invest in other support operations that help sustain the operation.  

Loan Repayment terms of up to 25 years. This can be a major help for those firms or projects that have long-term Contracts, or require some flexibility during the initial start-up years of operation to help  reduce Costs.

Loan Process can usually be accomplished in 3-8 weeks. This will depend on how organized all the parties concerned are, and whether all documentation needed can be provided.

II. "Lease Advantage" Financing

Summary:

Lease Type:          Straight Lease/Sale-Leaseback - Financing for set durations (term) 
Lease Limits:       $ 2.5 Million minimum; No Limit; Will consider smalller amounts case-by case 
Lease Term:         Up to 99 years; Renewable
Rate:                     2-9 % Fixed depending on Credit Rating of involved Entity
Payments:            Monthly; “Interest Only” during construction; Payment reserves created within
                              ​Loan
Closing Costs:     At Closing from Proceeds
Loan Process:     3-8 weeks
Project Types:    Any project that has a Contract for their product or service with a Governmental
                             ​entity or agency, or with an Investment-grade entity, or a Private equivalent, to
                             ​lease a site for whatever product, service, or business will be producing at the site;
                             ​direct financing for Investment-grade entities for Municipal infrastructure, Hotels
                             ​and Buildings, Corporate Offices, or company-operate or company-supported
                             ​Manufacturing or Production sites.

Highlights:

• Financing is available for 100 % or more:
The project can receive 100 % or more of the financing it needs to construct an appropriate facility to produce the product or service it was designed to provide.  There are no restrictions for “Loan to Value” (LTV), or “Loan to Cost" (LTC). The Lender will determine a Lease Payment based on the amount invested, the length of the Lease term, and the Credit strength of the Investment-grade entity involved..

• There is No Equity Investment or Collateral required from the Principal. The principals are not required to come up with any percentage of the Investment (Equity Investment) in order to obtain it. 

• There are No “Cash Out” Restrictions. The Principal can use the excess Cash from the proceeds of the Investment they qualify for any other purpose that they wish.

• Lease Repayment terms of up to 99 years. This can be a major help for those firms or projects that have long-term Contracts for the product they produce, or the service they will be providing, or require some flexibility during the initial start-up years of operation to help reduce Costs. Lease duration's can be set from anywhere from 10 to 99 years, and duration's are renewable. 

• Loan Process can usually be accomplished in 3-8 weeks. Generally speaking, we can accomplish funding within this time frame, however, funding will depend on how organized all the parties concerned are, and whether all documentation needed can be provided.

For more information, please feel free to Contact Us.



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Energy & Industry Sectors We Consider:

Waste-to-Energy
Waste Destruction
Hydro-Power
Bio-Mass
Bio-Fuels
Solar
Wind
"Operating" In-Ground

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Other Projects Considered:
- Investment Grade Leasing
- Equipment Leasing
- Municipal Infrastructure
- Manufacturing (Contract)​​
- Acquisitions: 
(of "Operating" Energy or 
 Income-producing sites)
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