How To Line Your Passiion, Purpose, Mission: Set Goals, Make Plans and Take Positive Action.

Sunday, August 22, 2021

Credit Enhancement SBLC / BG - Performance Guarantee, Construction Guarantee and Bid – Guarantees for Tenders and Projects

 



Presented by Jamil A Massengill, International Business Consultant
Company: JAMAIA Financial Marketing Group, LLC
Product: Bank Instruments& Guarantees
Email: JAMAIAFinancial@gmail.com

 

 Credit Enhancement SBLC / BG - Performance Guarantee, Construction Guarantee and Bid –
Guarantees for Tenders and Projects

Credit Enhancement is a strategy to improve the credit risk profile of a business. Usually the aim is to obtain better terms for a loan or to repay debt. Credit Enhancement is used to reduce the risks of a lender or investor in structured financial products. Credit Enhancement usually reduces the default risk of the company's debt and thus can make it eligible for lower interest rates or to enable a transaction in the first place. A company that engages in Credit Enhancement is providing assurance to the lender for repayment of a debt by providing additional collateral, an insurance guarantee, or arranging a third-party guarantee. 

The borrower requires an additional cushion to negotiate better terms with the lender in lieu of his own commercial or financial assets. 

JAMAIA Financial Marketing Group, LLC can arrange your required Letter of Credit or any other financial instrument against payment of a fee. The arrangement fee depends upon the strength of the financial instrument that you seek and upon the verbiage that you require and the rating of the issuing bank we will have to employ to provide the service for you. The FRL Group has the capacity to issue instruments of any face value you may require with no upper limit - if you have the funds to pay for the required arrangements. You will FIRST have to pay for the Credit Enhancement service to be arranged for you, to receive the benefit of the transmission of a Credit Enhancement instrument to your lender. 

These Trade Finance Enhancement services and instruments are available and not just limited to Import and Export. Based on our existing relationships with Banks and Financial Institutions, the following transactions can be facilitated:

- Letters of Credit to secure any type of commodity shipment
- Property Guarantees to secure a procurement of a property
- Standby LC and Bank Guarantees
- Performance Guarantees are issued to buyers that are ready to issue LC's
- Construction Guarantees
- Default Payment Guarantees
- Guarantees to secure a Credit Facility
- Bid - Guarantees for Tenders / Projects
- 3-to-5-year Guarantee Bond based on a Loan Agreement

Ready, Willing and Able (RWA) SWIFT messages are sent to
- secure a contract
- initiate a buy / sell transaction
- confirm RWA to proceed with a transaction or a contract.
- confirm that a Guarantee can be issued subject to certain conditions being met

Proof of Funds SWIFT messages can be used to
- show capability to perform
- show capability procure a certain quantity
- show capability and request a dip test authorization (for Fuel)
- show capability to procure and request for a POP (Proof of Product)
 

For more information see attached documentation and application. 

Any questions please contact me at 1-704-906-6197 

Best Regards, 

Jamil A. Massengill
International Business Consultant | Platform Manager | Facilitator

Public Profilehttp://www.linkedin.com/pub/jamil-a-massengill/20/823/46b 

JAMAIA Financial Marketing Group, LLC
Life, Health and Financial Services
Commodities, Monetization and Trade Services
Commercial Real Estate and Global Project Funding
 

Website: http://www.FundingCashNow.com
Website: 
http://www.FastCashForContracts.com
Website: 
http://JAMAIAHealth.1Dental.net
Blog: http://www.JAMAIAFinancial.Blogspot.com

 Email: JAMAIAFinancial@gmail.com
Email: JAMAIAFinancial@Adpost.com

 

Toll Free: 844-332-8545

Direct: 1-704-906-6197 |

Fax: 1-704-565-4177 |

Skype: jamaiafinancial
USA Main Office: Concord, North Carolina


New Loan Program - minimum $40K vs $20 Million – Close in 7-15 Business Days - Up to 20-year loan term - As low as 3% Annualized Interest – Close in 7-15 Business Days - Up to 20-year loan term - As low as 3% Annualized Interest

 

Presented by Jamil A Massengill, International Business Consultant
Company: JAMAIA Financial Marketing group, LLC
Product: Project Funding Loan
Email: JAMAIAFinancial@gmail.com

Please find the necessary requirements for my New Loan Program. We want to focus on obtaining the minimum of $20 Million at the lowest price to get involved. It cost $30K with a $10K Administration Fee added to either program listed in the overview

SECTION A: FINANCIALLOAN PLAN FOR $/Euro/GBP $XXX, 000,000 (Loan sum)

Plan A: 10 Years Loan Plan. You will pay 3% of $XXX,000 every year for 10years as Annual loan Interest rate. At the end of the loan t.erm, you will pay back the total $XXX,000 loan sum we offered you.

Plan B: 20 Years Loan Plan. Not paying back the loan at the end of the loan term period. You will pay 8% of $XXX,000(LOAN SUM) every year for 20years. At the end of the 20years You would have paid (8% of loan sum multiplied by 20). And you would not have to pay any loan sum at the end of loan period(20 Years).

Plan C: 10 Years Loan Plan. 2% Interest rate per annum for 10 years calculated and totaled once (that is 20% in total). You will be charged 20% of $XXX,000 for the whole 10 years loan period as Loan Interest rate. (20% OF TOTAL LOAN SUM WILL BE DEDUCTED FROM LOAN SUM TO PAY OFF THE TOTAL INTEREST RATE AND THE BALANCE WILL BE SENT TO YOU). At the end of the Loan Term (10 Years) you will pay back the total loan sum you applied for and was initiated.

SECTION B: TRANSACTION PROCEDURE:

1.The Lender shall carry our Financial, Corporate and Due diligence investigations on the Borrower’s company after the successful investigation and confirmation of the authenticity Borrower’s company / identification by our Legal Department, The Lender and Borrower execute, sign and initial this Deed of Agreement, which thereby automatically becomes a full commercial recourse contract to be lodged by both parties for initiation of Swift Transmission.

2.Within Three (3) Banking Days after the Legal department has successful verified the authenticity of the Borrower’s document, our financial department shall send a copy of Letter of Intent to Complete, Sign and Stamp

3. Within Two (2) Banking Days after the financial department has received and Confirm the Borrower’s sign and stamp Letter of Intent, Lender will issue a copy of Contract to the Borrower to Complete and stamp then send back to the Lender to complete and send to the Borrower countersigned contract.

4. Within One (1) Banking day after the Borrower receives from the Lender, the Countersigned Contract, a copy of Advance payment guarantee APG or payment refund guarantee PRG undertaking that will be duly be signed and stamped by the lender’s bank which guarantees that any delay or default from the Lender side, on Borrower’s first request to our bank any payment made in advance will be refunded along with the penalty fees countersigned and the signed and seal Payment Invoice. The Borrower will make only 30% payment of the Bank Transmission, Administrative & Handling charges forthe Non-Recourse Loan via Swift MT103 by direct wire transfer into the Lender’s provided Banking Coordinates to receive Fees in the amount of Euro/USD XX,000.00. The penalty for failure of performance from either the Lender or the Borrower is 1% of the Total Face Value of the Cash Loan.

5. Within Three (3) banking days after confirmation of receipt of payment for 30% of the Bank Transmission, Administrative & Handling charges for the Non-Recourse Loan via Swift MT103 in Lender’s nominated bank account, the Lender will deliver Nonrecourse Loan (Cash Loan) via Swift MT103 to the Borrower’s provided Bank Account.

6. Based on FINANCIAL LOAN PLAN CHOSEN BY YOU (Either Plan A, B or C) in SECTION A. Borrower sends Percentage Fee (%) as indicated in each plan based on your chosen Financial loan plan by Swift MT103 to the Lender’s nominated Bank account with the initially 70% balance of Bank Transmission, Administrative & Handling charges by wire transfer within Five (5) Banking days upon delivery and confirmation of the Non-Recourse Loan via Swift MT103 in the Borrower’s nominated Bank account.

7. Any unauthorized calls by any party or its representative lawyers to probes or communication in an improper way to bank(s) in this transaction shall be prohibited and contract terminated.

Required documents to move ahead.

I. A copy of your International Passport
II. a copy of certificate of incorporation
III. a copy of any government document containing your residential/office address. Example any Utility bill such as water bill, electricity bill etc...as proof of address.
IV. a copy of Client information Profile Form/details
V. a copy of Company tax payment slip/receipt.
VI. a copy of a bank statement valid within the last three months
VII. a copy the analyzation of your business details or plan
VIII. a copy of loan application letter
IX. a copy of Good Standing Letter from your bank
X. a copy of this transaction procedure signed and stamped by you that you have accepted to proceed.
XI. Proof of Funds
XII. Executive Summary & Business Plan

The Financial Strategy:

Step 1:

SECTION A: FINANCIAL LOAN PLAN FOR $/Euro/GBP $20,000,000 Plan A: 10 Years Loan Plan. You will pay 3% of $20,000,000.00 every year for 10years as Annual loan Interest rate. At the end of the loan term you will pay back the total $20,000,000.00 loan sum we offered you. Cost is $40,000.00 below is a breakdown cost.

1.      $30K to the Lender is 30% down payment of a normal $100,000 (balance of $70,000 is due 5 days after closing)

2.       $10K as an Administration Fee Agreement - a. Financial Strategy, b. Ongoing Consultation, c, Submission Package Review, e. Package Submission, f. Loan Approval assistance with countersign contracts and supporting documents, g. Engage with Lender Fee of $30K, h. Close in 15 days or less, i. Success Fee of 5% earned and  balance of $70,000 paid to the lender. 

Cash Trade $10 M - $99M, 500% Return in 2 Week Program and can be accessed several times and compounded.

Example on $10 Million 

1.       Your $10 Million  - Never leaves your bank, never touched, and never a swift transfer

2.      Bullet 1 $10 million x 500% after 10 Banking Days (2 weeks) = Trade Return on Investment $50 million plus $10 million investment ($60 million is now available for Bullet 2). 

3.      Bullet 2 $60 million x 500% after 10 Banking Days (2 weeks) equals Trade Return on Investment, $300 million plus $60 million investment ($360 million is now available for Bullet 3). 

4.      Bullet 3 $360 million x 500% after 10 Banking Days (2 weeks) = Trade Return on Investment $1.8 Billion plus $360 million investment 2.16 Billion in gross profit, Total of Bullet 1-3 $10 million investment makes 2.6 Billion returns and after 40 weeks Trade with minimum 100% monthly: 21,6 Billion there is an 80/20 split client / platform net yield to client: 17,28 Billion ($ 17,280,000,000)

5.      Deduction of Trade Platform & Traders agreed 80/20 profit share occurs whenever the investor makes a withdrawal. Return on Investment is payable to Investor at the end of each 30 Banking Days.

6.      There is a 5% share of profit each transaction for the intermediary groups involved.

With my Financial Strategy not only will you have your $20 Million, but also raise capital without your money at risk or removal from your bank account. 

Let's move forward with this Financial Strategy to maximize your money and time. I have attached all documentation for review such as; application, supporting documents and my Administration Fee Agreement for review and engage quickly so do not waste time with your funding.

If you have any questions, please contact me at 1-704-906-6197

I Thank you in advance for your business.

Best Regards,

Jamil A. Massengill
International Business Consultant | Platform Manager | Facilitator

Public Profile: http://www.linkedin.com/pub/jamil-a-massengill/20/823/46b

 

JAMAIA Financial Marketing Group, LLC
Life, Health and Financial Services
Commodities, Monetization and Trade Services
Commercial Real Estate and Global Project Funding

 Website: http://www.FundingCashNow.com
Website: http://www.FastCashForContracts.com
Website: http://JAMAIAHealth.1Dental.net
Blog: http://www.JAMAIAFinancial.Blogspot.com

 Email: JAMAIAFinancial@gmail.com
Email: JAMAIAFinancial@adpost.com

Tag: Business Loan, Project Funding, Small Business Loan, Business Funding, Funding. Loan. Quick Loan, Loans fr less than perfect credit, Bad Credit Loans, Commercial Loan, Commercial Business Financing, Commercial Business Funding, Commercial Project Loan Real state Loan, Loan for Business,  Business Financing, Bad Credit Financing

Thursday, June 10, 2021

EIDL - (Emergency Injury Disaster Loan - UP TO $500,000. 3.75% RATES EVEN IF YOU WERE TURNED DOWN PREVIOUSLY

 

Presented by Jamil A Massengill, International Business Consultant
Company” JAMAIA Financial Marketing Group, LLC
Product: EIDL SBA Loan up to $500,000
Email: JAMAIAFinancial@gmail.com

 

EIDL - (Emergency Injury Disaster Loan - UP TO $500,000. 3.75% RATES
EVEN IF YOU WERE TURNED DOWN PREVIOUSLY

LOANS Up to $500,000.

PURPOSE To meet financial obligations and operating expenses that could have

been met had the disaster not occurred.
LOAN AMOUNT Maximum loan amount of $500,000.

TERMS

•3.75% for businesses (fixed)
•2.75% for nonprofits (fixed)
•30 years
•No prepayment penalty or fees

USE OF PROCEEDS

Working capital and normal operating expenses

Example: continuation of health care benefits, rent, utilities, fixed debt
payments


FORGIVABLE No. Loan may be repaid at any time with no prepayment penalties.

1st PAYMENT 1st payment deferred 12 months; you can make payments if you like.

Interest accrues during deferral period.

Who is eligible for COVID-19 EIDL?

Applicants must be physically located in the United States or designated territory and suffered capital losses due to the Coronavirus pandemic. Eligible applicants include:

1. Businesses with 500 or fewer employees
2. Most private nonprofits
3. Faith-based organizations
4. Sole proprietorships and independent contractors
5. Must be in business on or before February 15, 2020

DOCUMENTATION REQUIREMENTS

1. Application (Through link provided)
2. Most Recent Business Tax Return
3. Business Voided Check
4. Driver’s License for owners over 20% (Front and Back)
5. Decline letter from SBA (If applied and declined in the past for
EIDL) *Other documentation may be asked for

 

Apply Online: https://tinyurl.com/buzzydub

 

Any questions please contact Jamil Massengill at 1-704-906-6197.

Best Regards,

Jamil A Massengill
International Business Consultant

JAMAIA Financial Marketing Group. LLC
Life, Health and Financial services
Direct: 1-704-907-6197
Skype: jamaiafinancial
Website: http://www.FundingCashNow.com
Website: http://www.FAstCashForContract.com
Website: http://www.JAMAIAHealth.1Dental.net
Blog: http://www.JAMAIAFinancial.Blogspot.com

Tag: Emergency Loans, Disaster Loans, SBS Loans, Small Administration Loans, Business Working Capital, Working Capital, Commercial Loan, Commercial Real Estate Loan, Paycheck Protection Loan, Business Funding, Personal Loan, Business Funding, Small Business Loans, Loan, Funding, Capital


New Loan Program - minimum $25K vs $1 Million in 7-10 Business Days Up to 20-year loan - As low as 3% Annualized Interest

 

Present by Jamil A Massengill, International Business Consultant
Company: JAMAIA Financial Marketing Group, LLC
Product: $25K vs. $1 Million Loan
Email: JAMAIAFinancial@gmail.com

New Loan Program - minimum $25K vs $1 Million in 7-10 Business Days Up to 20-year loan - As low as 3% Annualized Interest

Dear Potential Clients,

Hello and Greetings,

Please find attached the necessary requirements for them New Loan Program. We want to focus on obtaining the minimum of $1 Million at the lowest price to get involved. It cost $15K with a $10K Administration Fee added to either program listed in the overview.

I recommend getting the $1Million Funding and then turn around and get my Cost Deferred loan with cost a lot less for the amount borrowed. Example: $285 Million estimated upfront cost for Surety Bond of $60,000.00 (This is based on a recent closing and this cost may vary depending on the type of project and location you have).

Nevertheless, this program once engaged with funds, signing and counter signing of documents it will take 7-10 days to fund.

Please have yourself and your client sign separate Confidentiality and NCND Agreements and send back the below document and Application.

Required documents to move ahead.

I. A copy of your International Passport
II. a copy of certificate of incorporation
III. a copy of any government document containing your residential/office address. Example any Utility bill such as water bill, electricity bill etc...as proof of address.
IV. a copy of Client information Profile Form/details
V. a copy of Company tax payment slip/receipt.
VI. a copy of bank statement valid within the last three months
VII. a copy the analyzation of your Business details or plan
VIII. a copy of loan application letter
IX. a copy of Good Standing Letter from your bank
X. a copy of this transaction procedure signed and stamped by you that you have accepted to proceed.
XI. Proof of Funds
XII. Executive Summary & Business Plan

If you have an interest in this program it is a way to get the money you need to upgrade on any other products or services I have to offer. Many do not have the $50,000 and above. This will get you at least $1 Million in funding. If interested I will send you my overview after you sign my Confidentiality and NCND Agreement attached. 

For Information send email to: JAMAIAFinancial@gail.com with “$25K vs $1 Million” in the subject line.

If you have any questions, please contact me at 1-704-906-6197

I Thank you in advance for your business.

Best Regards,

Jamil A. Massengill
International Business Consultant | Platform Manager | Facilitator

Public Profile: http://www.linkedin.com/pub/jamil-a-massengill/20/823/46b 

JAMAIA Financial Marketing Group, LLC
Life, Health and Financial Services
Commodities, Monetization and Trade Services
Commercial Real Estate and Global Project Funding
 

Website: http://www.FundingCashNow.com
Website: http://www.FastCashForContracts.com
Website: http://JAMAIAHealth.1Dental.net
Blog: http://www.JAMAIAFinancial.Blogspot.com 

Tag: Business Loan, Project Funding, Small Business Loan, Business Funding, Funding. Loan. Quick Loan, Loans fr less than perfect credit, Bad Credit Loans, Commercial Loan, Commercial Business Financing, Commercial Business Funding, Commercial Project Loan Real state Loan, Loan for Business,  Business Financing, Bad Credit Financing


Sunday, April 25, 2021

Be Prepared - Know Your FICO Score - $1 Trial Offer! Limited Time Offer!

 Presented by: Jamil A. Massengill, International Business Consultant 

Company: JAMAIA Financial Marketing Group, LLV 

Product: Credit Report Mnitor Services

email: JAMAIAFinancial@gmail.com


Be Prepared – Know Your FICO Credit Score! - $1 Trial Offer!

Try Our 7 Days Trial Offer for $1 then $34.99 per month!

-         3 Bureau Report & FICO Sores

-         3 Bureau Daily Monitoring & Alerts

-         Dark Web & Internet Monitoring

-         Includes – FICO Simulator Tool

-         Includes - $1 Million Identity Theft Insurance

Start your Trail Offer Today! A LIMITED TIME OFFER!
https://www.myscoreiq.com/get-fico-max.aspx?offercode=432124TK

A mySCOREIQ Partner Offered & Presented by:

Jamil A Massengill
International Business Consultant

JAMAIA Financial Marketing Group, LLC
Life, Health and Financial Services
Concord, North Carolina 28027-5400
Direct: 1-704-906-6197
Toll Free: 1-844-332-8545
Fax: 1-704-565-4177
Email: JAMAIAFinancial@gmail.com
Website: http://www.FundingCashNow.com
Website: http://www.FastCashForContracts.com
Website: http://www.JAMAIAHealth.1Dental.net
Blog: http://www.JAMAIAFinancial.Blogspot.com


Monday, April 12, 2021

100% Global Project Funding without Upfront Lender Cost – Loans from $1 Million - $5 Billion - Non-Credit Qualifying - 1 -14 Year Terms – No Prepayment Penalties

 


Present by: Jamil A Massengill. International Business Consultant

Company: JAMAIA Financial Marketing Group, LLC
Product: 100% Global Commercial Project Funding
Email: JAMAIAFinancial@gmail.com

 100% Global Project Funding without Upfront Lender Cost – Loans from $1 Million - $5 Billion - Non-Credit Qualifying - 1 -14 Year Terms – No Prepayment Penalties – 12 Month Grace Period - No Prepaid Interest – Fast & Quick Closing 5 – 15 Business Days!

We seek worthwhile & beneficial genuine projects for the organizations seeking means of expanding. We primary focus on private and corporate investment portfolios and our business interest abroad are in the following sectors: Manufacturing, Power Energy, banking, Oil & Gas, Agriculture, Health, Aviation, Tourism, Retail, Real Estate, Construction, IT & Communications, Technology, Education, Energy, Engineering, Utilities, Telecoms, Mining, Maritime and host of other profitable ventures.

Our Investment criteria are more suitable for companies or start-up who are looking for expansion or diversification. Our specialization is in project loan funding, we are not keen for equity or partnership venture and/or to participate in managerial position of the borrowing party. We are ready to fund projects outside United Arab Emirates in the form of Soft Loan. We grant loan to both corporate and private entities at a low interest rate of 3%- 5% per annum. The terms are very flexible and interesting with 1-14 years term , also no prepayment penalties. We have supported so many projects however before we proceed further its important you comprehend the parameters of the funding process and proceedings.

FINANCIAL STRATEGY, CONSULTING, PACKAGE REVIEW AND PACKAGE SUBMISSION:

              There is a $500.00 USD (Normally this fee ranges from $4,500 - $6,500) Application Fee this ensures a smooth submission and a quick review by the lender for a Fast Loan APPROVALS.

·        The Financial Strategy is the never have a monthly loan payment or pay back money. My comprehensive strategy will show you how.

·        Consultation will be on going for the length of time in processing for questions and answers.

·        Package Review is to ensure all documents are properly filled out and all supporting documents are in the submission package.

·        Package Submission taking your complete package and submitting for smooth and quicker result to get a Loan Approval.

REQUIRED SUBMISSION DOCUMENTS:

·        Questionnaire KYC

·        CIS – Client Information Sheet

·        Collateral Proposal Form

·        Consultant Genealogy Form

·        Executive Summary of Project(s)

·        Business Plan with a 5-year Performa

·        Proof of Funds (BCL or Bank Statement)

·        Certificate of Incorporation

·        Articles of Formation

·        Copy of Corporate EIN Number Tax ID#

·        Proof of Corporate mailing address (Cell Phone Bill, Utility Bill, Paid Invoice…etc.)

·        Passport Driver License Back and From

REQUIRED COLLATERAL/SECURITY:

If loan is finally approved, borrower would be contractually obligated to Pay the insurer and obtain credit insurance (Guarantee bond indemnity) or (Surety Bond) through our authorized United Arab Emirates Insurance company at a cheaper cost/fee (Premium fee is determine by the volume amount of loan requested by borrower) to guarantee loan amount against default on (Non collateral basis) Before closing and disbursement/transfer of loan funding to borrower designated bank account.

EXAMPLE OF SURETY BOND DEPOSIT:

$285 Million Loan – No Upfront Lender Cost
              Surety Bond Deposit - $44,000 (Actual Policy amount is $150,000 paid from Proceeds)

·        Note: the deposit may very from project to project, this is your only cost to cloe your loan, this deposit is also given back to you at closing and the whole Insurance Premium is collected and paid out of proceeds.

CLOSING COST ESTIMATES:

The below listed Closing Cost is an actual listed amount from a previous loan closing. These fees may vary depending on the loan amount.

·        Lender Success Fee 1.5%

·        Business Consultant Fee 1% - 2% depending on the loan amount.

·        Attorney and closing Fees $48,000.00 estimated.

·        Recording Fee $39,040.00.

·        Surety Bond / Insurance Premium $150,000.00 based on the size and type of project.

·        Crime Certification Certificate (Need for Homeland Security for clearance) $7,500 may vary based on loan amounts. Could be less or more.

All fees are paid from the loan proceeds and funds will be wired immediately. This the simplest loan program in my nearly 30 years in the financial industry.

For a No Obligation Consultation please contact me at WhatsApp: 1-704-906-6197 or email me at JAMAIAFinancial@gmail.com for information in subject line put “100% Global Project Funding”.

Best Regards,

Jamil A Massengill
International Business Consultant | Facilitator
JAMAIA Financial Marketing Group, LLC
Commercial Real Estate and Global Project Funding
Concord, North Carolina 82027-5400
Direct: 1-704-906-6197
Toll Free: 1-844-332-8545
Skype: jamaiafinancial
Email: JAMAIAFinancial@gmail.com
Blog: http://www.JAMAIAFinancial.Blogspot.com

Tagged: Global Project Funding, Global Finance, Global Commercial Loans, Global Business Finance, Commercial Real Estate Loans, Global Real Estate Financing, Commercial Loans, Quick Business Loans, No Upfront Fee Commercial Loans, No Upfront Fee Global Project Funding, SBLC, MTN, BG, Surety Bonds, Creative Finance, Bank Instrument Financing, Governmental Finance, Renewable Energy Loans, Real Estate Loans, Sub-division Real Estate Financing, Less Than Perfect Credit Loans, Bad Credit Loans, Bad Credit Global Project Loans, Infrastructure Projects Loan, Infrastructure Business Loans, 100% Real Estate Loans, 100% Business Loans, 100% Commercial Loans