Our 5-1 Lending Program

Innovations in Lending Increasing borrower’s ROI.

  • "A proprietary process protected under a mutual NDA"
  • Using a secure 5x on cash to loan advance structure.

We offer 5x leverage on cash by focusing on two key elements

  • Strength of the management team
  • borrower ability to contribute 20% of the loan request in a short-term cash deposit.

Once pre-approved proof of capital deposit is required.

Post Funds Verification:

  • LOI is issued, naming: fund, attorneys, custodial bank, bond issuing and bond insurance companies.

Borrower deposit is secured by an investment grade insured* corporate bond

Our process:

  1. Submit an investment deck to me for review.
  2. If I like it, we do a call with the borrower and referral partner.
  3. If that goes well, I’ll send it to underwrite for consideration.
  4. If they like it, we do another call with underwriting.
  5. If that goes well, we request personal financial information on any personal owning 25% or more of the borrowing entity and a copy of a passport for owners of 5-24.99% of the entity.
  6. POF (Verification of deposit)
  7. LOI is issued for borrower’s review and due diligence.
  8. Once borrower accepts LOI loan docs are issued.
  9. Borrower signs loan docs and makes the 20% of loan amount deposit in the custodial bank and an investment grade insured bond is issued in the depositor’s name to be held by borrower until funding for repurchase 
  10. At funding, bond is exchange in return for borrower’s cash deposit.


*What Is Bond Insurance? Bond insurance is a type of insurance policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default.


David D McElroy


First Fusion Capital Funding