International Financing

Wiseman Capital Group maintains proprietary relationships with  financial investors (hedge funds, private investors) that will provide medium-to long-term International funding up to $325mm through direct loans and loan guaranties to eligible investment projects in developing countries and emerging markets. By complementing the private sector, our investors can provide financing in countries where conventional financial institutions often are reluctant or unable to lend on such a basis.

Our International Loan Program will support large-scale projects that require large amounts of capital to develop infrastructure, telecommunications, power, water, housing, airports, hotels, high-tech, financial services, and natural resource extraction industries in countries abroad.  Our program can also provide long-term working capital and multiple-year capital expenditure programs if needed.

General Requirements for all International Loan Requests:

• All projects or transactions considered for financing must be commercially and financially sound.  They must be within the demonstrated competence of the proposed management, which must have a proven record of success in the same, or a closely related business, as well as a significant continuing financial risk in the enterprise.
• Borrower must be willing to establish sound debt-to-equity relationships that will not jeopardize the success of the project through excessive leverage.  In general, our investor program looks for a debt-to-equity ratio in the range of 60/40, although the financial structure will vary with the nature of a specific business and by the variability of expected cash flows.
• The borrower’s financial plan should plan for all costs, including feasibility studies; organizational expenses; land; construction; machinery; equipment; training and market development expenses; interest payments during construction; start-up expenses and initial operating losses; legal expenses and loan fees; and adequate working capital.
• Eligible U.S. small business must own at least 25 percent of the overseas project.

Fees and Costs:

• Interest rates and loan guaranty fees are based on an underlying cost of capital plus a risk premium of between 2.0 percent and 6.0 percent, depending on the commercial and political risks involved with the project.
• In general, our investor expects that its creditor participation will be on a senior basis, pari passu with the holders of other senior debt, and that it will share in a first lien on fixed assets and any other appropriate collateral.
• Consistent with commercial lending practices, upfront fees range from 1 percent to 2 percent, commitment fees, maintenance fees and cancellation fees may be charged, and reimbursement is required for related out-of-pocket expenses, including fees for outside counsel and the services of experts or consultants.

Investor Areas of Interest #1: Africa and the Middle East

• Algeria, Angola, Bahrain, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central African Republic, Chad, Comoros, Congo, Democratic Republic of Congo, Cote d’Ivoire, Djibouti, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Iraq, Israel, Jordan, Kenya, Kuwait, Lebanon, Lesotho, Liberia, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Oman, Rwanda, Sao Tome and Principe, Senegal, Sierra Leone, Somalia, South Africa, Swaziland, Tanzania, Togo, Tunisia, Uganda, West Bank and Gaza, Yemen, Zambia, Zimbabwe.

Investor Areas of Interest #2: Asia and The Pacific Rim

• Afghanistan, Bangladesh, Cambodia, Cook Islands, East Timor, Fiji, India, Indonesia, Kiribati, Laos, Malaysia, Marshall Islands, Federated States of Micronesia, Mongolia, Nepal, Pakistan, Palau, Papua New Guinea, Philippines, Samoa, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Timor-Leste, Tonga, Vietnam.

Investor Areas of Interest #3: Europe and Eurasia

• Albania, Armenia, Azerbaijan, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Estonia, Georgia, Greece, Hungary, Ireland, Kazakhstan, Latvia, Lithuania, Macedonia, Malta, Moldova, Montenegro, Northern Ireland, Poland, Portugal, Romania, Russia, Serbia, Slovakia, Slovenia, Tajikistan, Turkey, Turkmenistan, Ukraine, Uzbekistan.

Investor Areas of Interest #4: Latin America and the Caribbean

• Anguilla, Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Belize, Bolivia, Brazil, Chile, Columbia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, French Guiana, Grenada, Guatemala, Guyana, Haiti, Honduras, Jamaica, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, St. Kitts and Nevis, St. Lucia, Suriname, Trinidad and Tobago, Turks and Caicos, Uruguay.

For more information contact us at info@wisemancapitalgroup.com or to understand our International Loan Funding Program process download our form here.