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Certain Bridge Secured Loan Notes
About the Loan Note Issuer
Certain Bridge is a UK Company established to specialise in the rapid provision of short term, secured Bridging Finance solutions in the UK, to businesses. These solutions provide Certain Bridge with above average returns on funds deployed.
The Opportunity
Certain Bridge is issuing a number of loan notes with very attractive interest rates and with differing maturities. The funds resulting from the issuance of all of Certain Bridge’s secured loan notes will be deployed swiftly by Certain Bridge to start earning high interest by lending funds fully secured against U.K. real property specifically for short term business bridge lending to U.K. borrowers.
Highlights
The Directors are of the opinion this is a rare opportunity which provides the loan holders with both good security and high returns.
Loan Note Terms – Currently we have 2½, 3 and 4-Year loan notes on offer
Minimum Amount – For these loan notes, the minimum purchase is £15,000 (£50,000 for Platinum Plus)
Interest Payments – Interest on all our loan notes is paid directly into your bank account every six months from the date of issue to the date of maturity.
Full Asset-Backed Security – All loan notes are secured by the UK Property assets Certain Bridge lends against as well as funds held within Certain Bridge ready to lend
No Fees – You are not charged any fees or charges.
100% Capital Returned – In addition to your twice yearly interest payments, and any bonus payments, your entire original capital will be repaid at the end of the loan note term.
EXAMPLE RETURN ON £100,000
The return figures provided are gross and do not account of any income tax which may be applicable to individual
circumstances
Month 6 £3,340.00 / Month 12 £3,430.00 / Month 18 £3,430.00 Month 6 £4,480.00 / Month 12 £4,480.00 / Month 18 £4,480.00 / Month 24 £4,480.00 Month 6 £5,000.00 / Month 12 £5,000.00 / Month 18 £5,000.00 / Month 24 £5,000.00 Month 6 £3,000.00 / Month 12 £3,000.00 / Month 18 £3,000.00 / Month 24 £3,000.00 Month 6 £1,500.00 / Month 12 £1,500.00 / Month 18 £2,000.00 / Month 24 £32,000.00
CB Loan Note Bronze
Month 24 £3,430.00 / Month 30 £103,430.00
Total Payments - £117,150.00 (Interest, Bonus, Capital)
Return - 17.15%
CB Loan Note Silver
Month 30 £4,480.00 / Month 36 £104,480.00
Total Payments - £126,880.00 (Interest, Bonus, Capital)
Return - 26.88%
CB Loan Note Gold
Month 30 £5,000.00 / Month 36 £5,000.00 / Month 42 £5,000.00
Month 48 £115,000.00
Total Payments - £150,000.00 (Interest, Bonus, Capital)
Return - 50.00%
CB Loan Note Platinum
Month 30 £4,000.00 / Month 36 £4,000.00 / Month 42 £4,000.00
Month 48 £136,000.00
Total Payments - £160,000.00 (Interest, Bonus, Capital)
Return - 60.00%
CB Loan Note Platinum Plus
Month 30 £2,500.00 / Month 36 £2,500.00 / Month 42 £3,000.00
Month 48 £155,000.00
Total Payments - £170,000.00 (Interest, Bonus, Capital)
Return - 70.00%
Overview
What are Certain Bridge’s Loans Secured Against?
- All of the secured registered charges at Her Majesties Land Registry on all Properties where bridge nfinance has been provided,
- All income sources and streams,
- All cash reserves
FAQ's
What are my funds used for?
Along with other loan note holders’ funds, this provides funds for business bridge lending, secured against UK properties to very conservative limits based on realistic but conservative property values
Why the United Kingdom?
As a G7 country, and the sixth largest economy in the world the UK is believed to be one of the safest, stable, and most highly regulated countries in the world. Furthermore, in the Directors’ view the value of the UK £ (Pound) presently offers an extremely attractive proposition to foreign purchasers
Why the UK Bridging Market?
The bridging market is under pinned by UK property security, which is believed to be one of the safest asset classes in the World.
Why the Certain Bridge Bridging Market in particular?
Certain Bridge ensures that all of its property security has a high level of surplus equity to really safeguard the funds provided by loan note holders.
Will you be able to get business bridging clients to borrow the funds?
Yes, it is our belief there is currently a substantial oversupply of clients who wish to borrow in this manner; this is what has, in our opinion, created this highly attractive opportunity.
What happens if a loan borrower defaults?
If a borrower defaults, then there are a number of options available to us. Because of the very conservative amounts we lend and the high level of surplus equity available when compared to the underlying property security value, it is unimaginable that we would not be able to recover all of the secured funds and the chances of a complete total loss is almost incalculable.
However in this hypothetical and unlikely scenario, there is sufficient profit being made from all of the other performing secured loans which likewise all have a very high level of surplus equity. In summary the spread, diversity but highly profitable secured loans with very high levels of surplus equity in the secured lending portfolio make the likely hood of any potential individual losses to be inconsequential.
Will all of my funds be lent to one borrower?
No. Your funds will be placed in a pool of funds along with funds from other Loan Note holders. Your funds will be securely lent over a number of different business bridge borrowers
Risk Warning
Investors should be aware that there are risks to investing in all corporate lending. The text of this Document should be read in full before deciding to invest and your attention is drawn to the section entitled “Risk Factors” on page 18 of this Document. All statements regarding the Company’s business, financial position and prospects should be viewed in light of these Risk Factors. If you are still unsure consult an Independent Financial Advisor.
This offer is not regulated by the Financial Conduct Authority. Investors will NOT have the benefit of the Financial Services Compensation Scheme and may not have access to the UK Financial Ombudsman Service. YOUR CAPITAL IS AT RISK.
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A Choice of 5 different Secured Loan Notes to suit your needs making this a High Returning Income Opportunity Backed by UK Property as Security
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