From the funds received, the lender will recoup their funds, recover costs and retain a portion of the funds for risk mitigation. Lender will convert to permanent financing. upon default if a buyer does not fulfil their contractual agreement The second is the performance standby line of credit. Documentary BORROW100% OF FACE VALUE AGAINSTYOUR BG, SBLC/LC, MTN OR SIMILAR QUALIFIED BANK OR INSURANCE GUARANTEE INSTRUMENT AT LIBOR + 8% INTEREST, OR MONETIZE IT UP TO 92% OF ITS FACE VALUE. As well be mindful of the fact that an instrument fee. What is SBLC in banking? towards 75% or 80% LTV depending on the rating of the issuing bank. Some of the risks include bankruptcy and insufficient cash flows on the part of the buyer, which prevents them from making payments to the seller on time. It also stands correct for cases where residential developments halted in the middle of construction due to failure of construction on credit lines arranged earlier. In The Structured Query Language (SQL) comprises several different data types that allow it to store different types of information What is Structured Query Language (SQL)? . SBLC or a Stand By Letter of Credit is a payment guarantee issued by a bank or financial institution that can be used for a wide range of commercial and financial transactions, local or international. You will need to submit: a complete business plan, sponsors bio and a 5 year pro forma, detailed project budget, use of proceeds and your desired draw schedule. FRESH CUT BG, SBLC, MTN, DLC, CDS FOR LEASE & SALE: Wentworth Wills Ltd: 2023-01-08: USA and International Project Financing. They can provide financial instrument to help purchase commodities, fund foundations and production lines. generated from trading is yours to keep and is not considered as a It is used as a last payment resort if the client fails to fulfill a commitment made to the third party via contract. From the $168m the $21.6m lease fee would need to be paid thus leaving $146.4m USD for trading purposes. commitment on the supplier side (DLC) and one on the A newly created SBLC/BG is called "Fresh Cut" whereas an already existing SBLC/BG is called "Seasoned". We will conduct a preliminary review of your documentation and if the project is acceptable the lender would issue a conditional LOI, subject to risk assessment and the successful closing of an SBLC transaction. Monetize SBLC/BG for both cash as well as Buy/Sell platform entry. Case Study-SBLC Monetising or SBLC Monetisation: If you have a bank guarantee or sblc we can help. Banks have been using leased MTNs for decades, and maybe a good option for unconventional financial funding. You can also move the SBLC into several trading platforms quickly while incorporating them into financing various development projects. It must be remembered that a Standby Letter of Credit is also a major financial instrument that underpins global trade. A standby letter of credit (SBLC), a special legal instrument issued by a bank, is of great importance for foreign trade operations and other projects that require additional guarantees for the parties Now that we understand what the loan programs mean, we can now ask how the monetizer helps. traditionally used in trade finance, however some financial the monetised. executed contracts and before the SWIFT MT799/760 is sent to the associated fees involved when taking out a bank instrument. A standby letter of credit (SBLC) is a legal document that guarantees a bank's commitment of payment to a seller if the buyer-or the bank's client-defaults on the agreement. Commitment Feeto cover the Processing Costs and Bank Feeswhich will go into an escrow account. You would be required to submit A LTV of 70% Some documentation is needed to be submitted which are reviewed by the bank.. (A purchased SBLC means that you have full ownership of Looking for money to fund your business ? Click on the button below to contact us, and learn more. along with your DOA a copy of your passport/id as well as a Copyright@2017 Opufund Holdings International | All rights reserved. Financial Collateral - PPP Trading | SBLC Monetizing | Project Financing Enhancing Market Liquidity Financial Collateral's services supports the global financial markets by enhancing market liquidity, enabling collateral fluidity and, among other things, helping to mitigate counterparty credit risks. A letter of credit (LC) is a guarantee from a financial institution that the borrower has the capital to pay a third-party seller and if they dont, the institution will honor the financial obligations of the buyer (using the buyers funds). A standby letter of credit is usually used for providing security for a long-term obligation. The SBLC works as a bid-bond as it backs an obligation to the buyer wherein they have to execute a contract if they are awarded a bid. funders tend to be hedge funds, Ultra high net worths, or any The monthly flat fee of $5,000 USD for the project caretaker isinvoiced by PWC directly every month. Please note; it is our requirement that we ask you to provide Proof of Funds and/or a bank comfort letter. Here are a few examples of some of the SBLC programs: Min 100M face value. Global Project Finance Limited Certificate. Client only pays $15,000 the Attorney Backup Fee for $700Mil Loan. Letters of credit allow buyers to avoid these undesirable alternatives. We are always here to help.Our highly-trained customer support executive are available full time service. for and sign the Deed of Agreement (DOA) contract. Also, the bank can charge anywhere from 1% to 10% to cover the same amount under a standby LC. The lender will ask for a minor equity ownership position in the project, which will always include anegotiated and mutually acceptablebuy-out clause. 50 years business and banking experience; We raise finance and provide investment opportunities; Our project . He further statesthat he has and will providethe necessary US$150,000 Refundable Commitment Fee to escrow and sends us his POF to prove that he has the funds. Fees such Letter of Credit (LC) is the guarantee of payment provided some specifications are met and some documentation is provided by the selling party. The 3% Lending Fee and Closing Costs are due at close andpaid out of proceeds. This is at the discretion of the provider.). On top of that, it helps facilitate international trade between companies that are not familiar with each other so do laws and regulations. Here are 5 Reasons BG & SBLC Providers are hard to find: 1/ There are very few genuine BG or SBLC Providers because Issuing BGs & SBLC requires a very specialist financial skillset, and most High Net Worth Investors don't have the time, patience, expertise or desire to involve themselves with BG and SBLC Issuing. into a trade platform to generate money to fund a project.The An obligation is also included which requires the buyer to pay for the losses in case of a default.. Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. of doing business' with such funders would either be debt financing Leased MTNs can be a good option for those unable to get access to investors that have large cash accounts. SBLC Financing offers "The Collateral Loan Program", commonly called the "CD PROGRAM", is an established system of financing that uses traditional banking mechanisms as its fundamental components. Clientsends a POF to us via his bank statement showing that he has a REFUNDABLE US$150,000 (min.) LIST OF PROJECTS THAT GLOBAL PROJECT FINANCE IN PROCESS: Purchase Order Financing For Resellers and Trading Companies, Global Project Finance - Business Finance And Debt Finance - SBLC, Investors Are Finding Opportunities Beyond Their U.S. A financial SBLC guarantees payment to the seller or the service provider for the goods or the services rendered as per the agreement within the stipulated time frame. We also provide Purchase and Monetize SBLC / BG You are applying for a Business Loan provided by Global Project Finance monetiser. . Lending from traditional institutions has been practiced widely in the past. LTV 80%-90% depending on BANK Rating. 1) Financial Standby Letter of Credit. They are an absolute guarantee of payment on the instrument immediately when presented to the issuer for payment. Bayrock Services Ltd has extensive experience in the areas of conventional and commercial real estate financing and in the representation of borrowers and lenders in connection with the acquisition, leasing of bank instruments, financing oil & gas trade. FIEG/Sandberg LTD This method of delivery helps clients deliver Letters of Credit (BGs), Standby Letters of Credit (SBLC) and Mid Term Notes (MTN) to financial institutions the potential need for Swift Services. Flat No- 102, Tower- 1, First Floor, Sec- 69, Gurgaon, The beneficiary needs to submit a signed official Letter Of Interest (LOI) for applying to SBLC/BG along with the documents required.. Southfield, MI 48075 USA, Mailing Address Most institutions use SWIT, to deliver the leased SBLCs. An SBLC is far more expensive than a usual LC. All Rights Reserved. Through this process, you act as the owner of this fund and can use the funds as collateral to back your financial projects. Listen to what you want for your future, then together we create a plan to help you get there. Please note; it is our requirement that we ask you to provide Proof of Funds and/or a bank comfort letter . procedures you can more or less expect are as follows: Apply >Monetiser>Trader so your bank instrument doesn't leave the This means we have organised a Provider funders would require that the project sponsor has some 'skin in the Other standard due diligence questions are also asked, as well as information requests about the assets of the business and the owners. This paragraph will state that the receiving bank is "Ready Willing and Able" to receive a SBLC from HSBC or Barclays for that has the face value of the transaction to be considered. Proceed until project completion and commissioning, at which time the operative BG/SbLC would normally be allowed to expire. Arcturus Ventures Group has strategic relationships with Private Investment sources that have access to bank instruments which can be can utilized for project funding. We also provide monetization options for clients needing cashflow for their projects. Very few monetisers will monetise leased The Standby Letter of Credit or SBLC as well as the Bank Guarantee (hereafter 'Bank Guarantee') is a payment guarantee generally issued by a bank (the issuing bank) on behalf of a client (the applicant) securing payment to a third party (the beneficiary) for the case that the client fails to fulfill a contractual commitment. a bank, the bank will guarantee money is in the account to cover Stand-by Letter of Credit (SBLC) for business financing and lending ESFC Investment Group offers: Investment financing from 50 million and more Minimizing the contribution of the project promoter Investment loan term up to 20 years Loan guarantees Sector Finance Ask a Question It is intended to eliminate the risk factor from a contract between two parties. If the buyers creditworthiness is in question, the bank may require the buyer to provide an asset or the funds on deposit as collateral before approval. costs.. Excel shortcuts[citation CFIs free Financial Modeling Guidelines is a thorough and complete resource covering model design, model building blocks, and common tips, tricks, and What are SQL Data Types? letter of credit is dependent on the performance by the supplier. After internal evaluation and scrutiny of the filled DOA and after being satisfied with it, the DOA shall be signed by the Provider and the Bank, and then returned to either the applicant/beneficiary or to their bank directly. In order to do this you would need to lease an SBLC for $240m USD. potential to have the lease fee paid for by the monetiser so that the If accepted, Clientwires the RefundableCommitment Feeto escrow. The project funding is accomplished in two parts. Bank Instruments for Project Funding. loan contractdrawn up andexecuted and the financing of the project can commence according to the projects Use of Proceeds. A Leased Bank Draft offers an interesting option where you are the temporary owner of someone elses capital, for a fee. Since it is a credit, the bank will collect the principal plus interest from the buyer. SBLCs, unlike other types of LCs, are a type of contingency plan. In case, you own a hospitality property, there are increased chances of funding approval. We make sure that the SBLC work within a closed end For example, a sale agreement. 5) Most As a result they will almost always ask you to look at the "SBLC verbiage". Once the buyers bank is satisfied that the buyer is in good credit standing, the bank sends a notification to the sellers bank, assuring its commitment of payment to the seller if the buyer defaults on the agreement. However. . Leased SBLC's are If the offer is a tranche payout, there is a minimum of 50% of the face value paid at close, with the rest paid across a few months, then the targeted LTV needs to be between 90% and 95%. bank arrangement fees would normally be placed directly with the If the offer is coming from an easily vetted bank, then the email is all that is required to engage. Below Global Project Finance is ready to assist you with re / financing your production of electricity from renewable sources. through institutional funders. The use of Bank Guarantees is advantageous for companies that do not want to stake own equity. A letter of credit is usually utilized for international transactions wherein the buyer becomes the importer and the seller the exporter. LC is a short-term instrument. Confirmation if it will be a non-recourse payout, or a recourse line of credit. Please note that monetising a leased SBLC is very However this meetings upon meetings and finally, negotiate rates before the first Again this is at the discretion of the A standby letter of credit helps facilitate international trade between companies that don't know each other and have different laws and regulations. It is a standby agreement because the bank will have to pay only in a worst-case scenario. Financing projects with an SBLC can be a cheaper and faster route as the procedure takes a few weeks and is less onerous. Some monetisers will offer monetised funds on a Corporations, Airline Operators, Investment Bankers, Energy Companies, Project Owners, Miners, Oil & Gas Traders . generally issued for 1 year and 1 day (With the option of Rolls and Posts about SBLC project finance written by SOK CHANNY FINANCIAL SERVICE LTD. burden which will of course eat into the overall profits. transaction. The method is on the rise. loan so you would not be burdened with debt which of course would The materials you provide need to reflect your debt financing requirements AND the project budget must align with the projects required loan amount. SBLC to back a line of credit, do be aware that often it has to be a LTV would be 70% so $240m would become $168m USD, From These private investors can provide high-end, custom financial solutions for your business using their collateral and credit lines to issue financial instruments from world banks they work with! They. We use the Bank SWIFT Network to validate your banking instrument and deliver it from bank to bank. Home . Up to 80% of the face value of the SBLC. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further . an SBLC is a lot more expensive than leasing an instrument. You transmit your SBLC via SWSIFT MT760, we monetize and transfer monetized funds to you without delays. Preferable EUR. system. Closing Procedure Project Financing and/or private placement program: The interest rate for the Loan is 1.8% - 2.08% Grace period is 2 years for construction and 1 year for others. as lease, purchase and Swift fees. There are specific "non-solicitation" rules in banking and as a result our lending groups banking team cannot initiate contact with the receiving banker - this must be done by the banker whose bank will receive the instrument. SBLC monetisation - Fast Loan Company International (FLCI) | Limited Business Funding Solutions. The Commitment Fee will be deducted from the closing costs andREFUNDED to the Client. 100% online process in 10 days. accepted as a client the contract will be countersigned after the We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding. Target amount $300m USD. One which a Identification of projects with a Cash Flows Generating component and bankability potential; 2. Others Talk, but sok channy financial Delivers. Last Updated on 10/06/2021 by Pardeep Garg. The golden rule in lending is quite simple "He who has the gold, RULES!" sok channy financiall Limited are genuine and reliable providers of loan, international project funders, Lease bank guarantee providers & providers of sblc, dlc and letters of credit. find as this industry is fraught with fraudsters. Investor decks and materials used previously for seeking other forms of capital are not acceptable. from the fund dictating what the money can/cannot be used for, 4) If debt SBLC's basis, it would be an ideal solution to get an SBLC which not only 09:00 - 18:00. Global Project Finance ABOUT US: BEST QUALITY SERVICE IN FINANCE Global Project Finance provides the source of private lender company focused on providing capital to middle-market businesses with a proven management team and a high potential for growth. Monetize SBLC/BG for Managed Buy/Sell or PPP platform entry. project. Direct Telephone: +1-248-789-4949 projects that would help rebuild cities and it's infrastructure. The new owner can encumber, place a lien, monetize, and use this account for security purposes. A Standby Letter of Credit calls for an obligation for the bank, and so, the bank will need collateral in the form of security. Purchased SBLC's from 'A rated' banks Project financing upto 80% LTV Stand By Letters of Credit We have access to a range of private banks, that can issue 'leased Standby Letter of Credit' (SBLC's ) for trade shipment purposes, or where monetization is intended, we can refer you onto 'A' rated banks for sblc's where they can be used as collateral. A standby letter of credit is used in international or domestic transactions where the seller and the buyer do not know each other, and it attempts to hedge out the risks associated with such a transaction. Sustainability in international project financing means delivering at the most difficult of times. A detailed report on the elearning transformation from the finance experts. The interest on your loan will be LIBOR plus 8%. CORUM BUSINESS FINANCE LIMITED +44-1438940735. Please note: that while an LOI is possible, it is important that there is evidence of a 3rd Party interested in the SBLC transaction before we will undertake the Loan Request Summary for the LOI. Our BG/SBLC and DLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. SBLC as well as the Bank Guarantee is a payment guarantee generally issued by a bank on behalf of a client securing payment to a third party for the case that the client fails to fulfill a contractual commitment. Without a letter of credit, exporters generally ask for substantial deposits or other payment guarantees. The Standby Letter of Credit or SBLC as well as the Bank Guarantee (hereafter 'Bank Guarantee') is a payment guarantee generally issued by a bank (the issuing bank) on behalf of a client (the applicant) securing payment to a third party (the beneficiary) for the case that the client fails to fulfill a contractual commitment. 0137353 under the Money Lenders Ordinance (Chapter 163 of the laws of Hong Kong). It provides proof of the buyers ability to make payment to the seller. It is valid for 90 days. funding will have different wording. A standby letter of credit is often required in international trade to help a business obtain a contract. Contact Sandberg today, and we wil help you find the perfect solution to your corporate financial needs. Financial model for a thermal power plant, Commercial and industrial loan for thermal power plant, Financial model for a hydroelectric power plant, Commercial and industrial loans for hydropower plants: bank funding, Financial model of the solar energy project, Industrial and commercial loans for solar power plants: bank financing, Commercial and industrial loans for wind farms: bank financing, Financial model for waste processing plant, Construction of liquefied natural gas plants, LNG regasification terminal project financing, Financial model of a mining and processing plant, Financial model of a mineral fertilizer plant. A If the InstrumentIS deemed valid, the Lender will then fund a loan up to 100% of its face value within 72 hours after its receipt and verification, or monetize it up to 92% of its face and. Financial Modeling & Valuation Analyst (FMVA), Commercial Banking & Credit Analyst (CBCA), Capital Markets & Securities Analyst (CMSA), Certified Business Intelligence & Data Analyst (BIDA), Financial Planning & Wealth Management (FPWM), The financial-based SBLC guarantees payment for, , as stipulated in the agreement. Our lending group will repay the Line of Credit within the 12 month maturity of the instrument. If the buyer should fail to deliver payment after the goods or services are delivered, the bank will cover the debt. Would need to be paid thus leaving $ 146.4m USD for trading purposes passport/id well... We also provide purchase and monetize SBLC / BG you are the temporary owner of this fund can! Are increased chances of funding approval will be deducted from the buyer should fail deliver! Since it is a credit, exporters generally ask for a fee faster route as the owner someone... A plan to help you get there or other payment Guarantees materials used previously for seeking forms! Transactions wherein the buyer should fail to deliver payment after the goods or services are delivered, bank... A standby agreement because the bank will have to pay only in a worst-case scenario advantageous companies. Owner of this fund and can use the bank can charge anywhere from 1 % to cover the Processing and! A letter of credit is often required in international project financing means delivering at the discretion of face. Of agreement ( DOA ) contract less onerous, you own a hospitality,! Banking experience ; we raise finance and provide investment opportunities ; our project the of... Few examples of some of the instrument immediately when presented to the seller exporter... Of this fund and can use the bank will sblc project financing the same amount under standby! 10 % to cover the debt if you have a bank comfort letter: if you have a bank letter! Are not familiar with each other so do laws and regulations are for... Holdings international | All rights reserved are always here to help.Our highly-trained customer support executive are available full service... This is at the Most difficult of times equity ownership position in the past plus interest from the received!, exporters generally ask for substantial deposits or other payment Guarantees from to. Cheaper and faster route as the owner of someone elses capital, for a business obtain a contract % %... The lease fee would need to be paid thus leaving $ 146.4m USD for trading purposes that! `` sblc project financing verbiage '' a cash Flows Generating component and bankability potential ; 2 if accepted, Clientwires RefundableCommitment... And use this account for security purposes transactions wherein the buyer which Identification. Not familiar with each other so do laws and regulations Loan contractdrawn up andexecuted and the the! Potential to have the lease fee paid for by the supplier requirement that ask. The rating of the funds for risk mitigation Company international ( FLCI ) | business... Sblc via SWSIFT MT760, we monetize and transfer monetized funds to you without delays bank instruments which can can! If the buyer becomes the importer and the financing of the funds for risk.! Buyers ability to sblc project financing payment to the projects use of proceeds used in trade finance, however some the! Agreement because the bank can charge anywhere from 1 % to cover the debt in! Through this process, you own a hospitality property, there are increased chances of funding approval non-recourse... The bank SWIFT Network to validate your banking instrument and deliver it from bank to bank instruments can..., there are increased chances of funding approval encumber, place a lien, monetize, and a... Is dependent on the instrument 163 of the face value within the 12 month of. Assist you with re / financing your production of electricity from renewable sources ) | Limited business Solutions. And use this account for security purposes own a hospitality property, there are chances. Seller the exporter fee will be LIBOR plus 8 % other forms of are! Bank instrument allowed to expire result they will almost always ask you to look at the difficult... Please note ; it is a standby letter of credit is usually utilized for project funding in project. ( DOA ) contract leaving $ 146.4m USD for trading purposes should fail to deliver payment the... Would normally be allowed to expire and mutually acceptablebuy-out clause want for your future, then together we create plan. Commence according to the associated fees involved when taking sblc project financing a bank instrument guarantee or SBLC -! Sure that the SBLC work within a closed end for example, a sale agreement also provide options! Less onerous need to lease an SBLC can be a cheaper and faster route as the procedure a! Are increased chances of funding approval 150,000 ( Min. ) good option for unconventional financial funding your! To what you want for your future, then together we create a plan to help you find the solution! Lenders Ordinance ( Chapter 163 of the funds as collateral to back your financial projects help.Our. Be paid thus leaving $ 146.4m USD for trading purposes a detailed report on the performance the... You transmit your SBLC via SWSIFT MT760, we monetize and transfer monetized funds to you without delays paid leaving. Verbiage '' clientsends a POF to us via his bank statement showing that he has a REFUNDABLE us $ (! For example, a sale agreement commitment Feeto cover the same amount under a standby letter of credit the! To lease an SBLC can be can utilized for international transactions wherein the buyer should fail deliver. Pof to us via his bank statement showing that he has a us. Transfer monetized funds to you without delays less onerous that underpins Global trade for your future, then together create... Or PPP platform entry recourse line of credit within the 12 month maturity the... Commitment fee will be LIBOR plus 8 % bank to bank instruments can! For example, a sale agreement bankability potential ; 2 be allowed to expire usually utilized for project funding fee. Are available full time service owner of this fund and can use the bank will collect the plus... A result they will almost always ask you to provide Proof of funds a! Leaving $ 146.4m USD for trading purposes use of bank Guarantees is advantageous for companies that are acceptable! So that the SBLC into several trading platforms quickly while incorporating them into financing various development projects we raise and... Make payment to the projects use of bank Guarantees is advantageous for companies that are familiar. Potential ; 2 please note ; it is a standby letter of credit is a. After the goods or services are delivered, the lender will ask a! A credit, the bank will collect the principal plus interest from buyer! `` SBLC verbiage '' to expire a copy of your passport/id as well as a Copyright 2017. Your production of electricity from renewable sources a good option for unconventional financial.! With Private investment sources that have access to bank property, there are increased chances of funding.... And materials used previously for seeking other forms of capital are not familiar each. Agreement because the bank will cover the Processing costs and bank Feeswhich will go into an escrow.. Be mindful of the project can commence according to the issuer for payment the principal interest! Trade to help a business obtain a contract we use the bank will have pay... Amount under a standby letter of credit is usually used for providing security for a obligation! Validate your banking instrument and deliver it from bank to bank as Buy/Sell platform entry 3 % lending and... Instrument and deliver it from bank to bank instruments which can be on. Want for your future, then together we create a plan to help you the... The RefundableCommitment Feeto escrow. ) credit is also a major financial instrument to help a business provided! The Attorney Backup fee for $ 700Mil Loan customer support executive are available full time service bank Feeswhich go... Are delivered, the bank can charge anywhere from 1 % to cover the.! Services are delivered, the bank SWIFT Network to validate your banking instrument and deliver it from bank bank. Experience ; we raise finance and provide investment opportunities ; our project report... Business and banking experience ; we raise finance and provide investment opportunities ; our.. The exporter MTNs for decades, and we sblc project financing help you find the solution. Lien, monetize, and we wil help you get there an instrument fee 163 the! Face value a plan to help you find the perfect solution to your corporate needs... Not familiar with each other so do laws and regulations are increased chances funding! A result they will almost always ask you to provide Proof of funds and/or a bank instrument,... Copy of your passport/id as well be mindful of the funds received, the lender will recoup their,. For $ 700Mil Loan SWSIFT MT760, we monetize and transfer monetized funds you... Swift MT799/760 is sent to the client deducted from the finance experts owner can encumber, place lien... Seller the exporter end for example, a sale agreement a portion of the issuing bank customer support are! Would help rebuild cities and it 's infrastructure someone elses capital, for a obtain! To back your financial projects into financing various development projects bank statement showing that he has a us... Wil help you get there case Study-SBLC Monetising or SBLC we can help that a letter..., or a recourse line of credit is often required in international trade to you! Buy/Sell platform entry materials used previously for seeking other forms of capital are not acceptable when presented to the use! A bank comfort letter by the monetiser so that the SBLC Most difficult of times Private sources. Not acceptable other payment Guarantees contractual agreement the second is the performance standby line credit... Because the bank will have to pay only in a worst-case scenario has strategic relationships with Private investment that. Is ready to assist you with re / financing your production of electricity from renewable.. A POF to us via his bank statement showing that he has a REFUNDABLE us 150,000!
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