Attention Land Owners/Real Estate Developers: Pre-sales up to 30% off-plan 

Equity Business Trust brings expertise and financial resources to the table to make your Development, your Resort and/or Fractional Ownership sales more successful.

Equity Business Trust can arrange up to 30% pre-sales "off plan" from any development across the globe. Funds in escrow can be arranged within one week in order to enhance your pre-sales and fulfill your lenders requirements.

• We'll pay your full list price
• We buy exactly the way your lender wants you to sell
• We'll buy each unit in a different person's name with a separate contract and a full deposit with a personal check from each person buying each individual unit
• We don't compete with the developer when we resell our units
• We move swiftly, closing within 5 days
• You save money on carrying costs because you start construction sooner
• You save money on marketing because we help close your marketing office 6-12 months sooner

Pre-Sales off plan  -  Fixed-Profit Formula Summary

We propose to purchase (30%) of all units in any resort and/or Villa/Condo project under the following terms:

1.  Individual Buyers. Each Unit is purchased by a separate individual or entity, with a separate Social Security number, separate personal deposit check, separate signature, etc., Therefore, all of our Purchase Contracts will be recognized by your lender and "count" towards your pre-sale requirement.

2. Price.  We will buy all units for any price you dictate.  (Being the lowest price in the project is not relevant)

3. Unit Selection. We will buy any units you tell us to buy.

4. Deposit. We will place a 10% "hard cash" nonrefundable deposit on each unit held by your escrow agent.  (Funds must be held in the United States in US $ dollars)

 (If your project is early stage, we can put up an immediate "hard cash" deposit under a master agreement so you know we are committed during the time you are preparing and determining final floor plans and pricing for the individual units.)

5. Resell.  You will resell our units to a third party within 12 to 36 months for a minimum of 15% more than the price we bought them from you.

6. Profit Participation. You will keep all profits over and above the 15% price spread.  By way of example:  We buy a condo unit for $500,000.  You must resell it within 12 to 36 months for at least $575,000.  We are limited in our profit amount of only $75,000.  You keep all amounts from $0 - $500,000, and you keep all amounts over and above $575,000.

7. Rebate Paid By Developer. Developer shall rebate the Buyers (i.e. the original buyer with an equitable interest in this Unit) a sum equal to 8% of the total purchase price of the Unit, payable as follows:

(a) 3% upon purchase contracts & deposit payments going into escrow;

(b) 3% upon the closing of the construction loan; and

(c) 2% upon closing of title to each respective unit.

If you would like to make your planned project a major success by partnering with us please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

Vacation Ownership Finance - Acquisition & Development Financing

Equity Business Trust is dedicating significant expertise and financial resources to meeting the capital needs of the fractional ownership industry. Equity Business Trust is a provider of financing to companies active in the resort industry. With a team of professionals dedicated exclusively to the fractional and private residence club markets, Equity Business Trust is the leading provider of responsive and flexible capital solutions. Properties include fractional ownership resorts, private residence clubs, hotels and multi-use developments. Equity Business Trust provides loans up to $50 million to developers and operators of luxury resort properties throughout the United States, Canada, Europe, Mexico and the Caribbean.

ADVANCE RATES: Up to 95% of actual cost basis

LOAN SIZE: $5MM to $50MM

OTHER: Amortized via release payments and minimum amortization tailored to borrower's business plan

PRICING: Competitive rates and fees adjusted for risk profile and leverage

RESORT LOCATION: United States, Canada, Caribbean, Mexico and Europe

STRUCTURE: Senior Mortgage Mezzanine Financing

TERM: 1-5 Years

Please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

Global Sales Team available including Fractional Ownership Sales

Equity has 2 external Sales Teams, which sole purpose is the sales and marketing of real estate at resort locations with an approach firmly grounded in village-centered resorts. 

• The Sales Team track record shows they don’t just talk about winning – they deliver successful results.
• Combined over $7 Billion in sales over the past two years.
• Average 79% of homes sold prior to commencing construction over the past two years.
• Successfully selling in five countries across two continents. 

Please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

Direct Consumer Fractional Ownership Financing

ADVANCE RATES: Loan-to-value of up to 80% of the purchase price

BORROWER:              

·         Minimum FICO Score of 680

·         Minimum down payment 20%

·         Debt-to-Income ratios below 45%

·         US Residents (for United States Properties)

·        Typical Documentation

LOAN SIZE: $150,000 to $650,000

PRICING: Fixed rate set at competitive spread over like-term treasuries; adjusted for consumer credit worthiness

RESORT LOCATION:  United States, with customized financing solutions for developments in Canada, Caribbean, Mexico and Europe

STRUCTURE: Direct senior mortgage loans to qualified end-consumer buyers

TERM: 15-30 year term/maturity

Please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

Real Estate Senior Loans 

Equity Business Trust is dedicating significant expertise and financial resources to meeting the capital needs of the commercial real estate industry. Equity Business Trust specializes in providing creative capital to owners of commercial property throughout the United States, Canada, Mexico and the Caribbean.

ADVANCE RATE: 60-80%

BORROWER: Special purpose entities controlled by experienced owners and operators of commercial properties

EXECUTION TIME: Term sheet within two days of full submission; closing within 30-45 days of executed term sheet

LOAN SIZE: $2MM to $50MM

LOCATION: United States, Canada, Mexico, Caribbean

OTHER: Call protection of at least 12 months

PRICING: The Advantage Program is an extremely competitive floating rate product for well-capitalized transactions. Attractive LIBOR-based pricing with minimal fees and all-in costs ranging from LIBOR plus 3.00% - 5.00%.

PRODUCT TYPE: Multifamily, office, retail, industrial, medical office, full service hotels, specialty properties

STRUCTURE: Senior Mortgage

TERM: 2 - 3 years

Please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

Asset-Based Lending on Real Estate with up to 75% Loan to Value

• Super Fast Turn-Around
• 2 Days for Commitment
• As Fast as 5 Days for Closing
• Up to 75% Loan-to-Value Ratio
• Commercial Property Acquisitions & Refinancing
• Development and Construction
• Bank Workouts
• Bankruptcies & Foreclosures

TERM: Flexible loan term up to several years or more

PREPAYMENT: Loans may be repaid at any time without penalty.

USE OF PROCEEDS: Loans are made for business purposes only.

LOAN TO VALUE: Loan amounts can be up to 50-75% of the disposition value of the collateral, based on the estimated cash sale price given a 90-120 day marketing time. If the loan is used for renovation or construction, the loan amount can be based on the improved value, and would be disbursed in stages.

RATES: Rates vary from 7% to 18% per annum, interest only, depending upon collateral and loan structure. Internationally, rates vary from 9% to 21%, depending on country.

EQUITY: In lieu of equity participation, a fee of 1-4% (U.S. only) of the loan amount may be included in the loan.

LOAN SIZE: From $1 Million to $100+ Million nationally. Must be at least $3 Million for international loans.

LOCATION: United States, Canada, Caribbean, Mexico and Europe

COLLATERAL: Real estate and other fixed or liquid assets.

Please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

Equity's Lease-to-Own Program 

Property Buyers who do not qualify for conventional financing would qualify through Equity’s Lease-to-Own program to purchase their private and/or fractional ownership properties. We work with private buyers and corporations with low or zero down payments, low income, and those that have been turned down by Mortgage Companies. We purchase properties directly from the developer and lease them back to their clients. Under our Lease-to-Own Program we are the Guarantors and Financiers for your clients who would not qualify for a loan under normal circumstances.

The Lease-to-Own program enables your clients to move into the home of their choice today -- on a lease basis.  At the end of a 12 - 36 month lease period, your client can either take ownership of the home -- or move elsewhere, if circumstances require.  Best of all, if the client opts to buy, they can get back up to 50% of the total rent paid during the lease term, as a credit towards the purchase of their new home. Or within 15 to 25 years they get back 25% or 50% of the property purchase price through Equity’s unique Property Cash Back Program.

We help your clients with real estate financing and can arrange through our in-house “Lease-to-Own" program to fund any private real estate transaction including fractional ownership financing. We are working with developers and their clients across the globe!

Please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

Equity's Property Cash Back Program

Are you a developer looking for new customers?

Imagine you could offer your customers up to 50% of their property purchase price back,
within 25 years, secured by high yield Government Bonds.

Do you believe it would increase your sales?  Of course it would!

No extra costs for Developers!

The Property Cash Back Certificate is given to your clients free of charge when they purchase a property. The full costs of the Property Cash Back Certificate are paid by Equity Business Trust or by the Developer promoting the sale.

Benefits to Developers:

More and more developers recognize the sales & marketing benefits derived from a proactive involvement in the yield guaranteed Property Cash Back Program. As a seller of properties you profit from:

• A persuasive, innovative new sales instrument
• Word-of-mouth advertising, still the most successful way of gaining new customers
• The positive effect on your customers thanks up to 50% cash back refunds
• A better image for your enterprise due to your competitive edge
• A faster way of selling your properties

How can we offer your clients 25% or 50% Cash Back?

Example Calculation based on a Property of $400,000:

25% Cash Back: Your clients are planning to purchase a house for $400,000 and after 15 years, they have a $105,000 retirement fund waiting for them. They can receive partial payments anytime during the time frame of the Property Cash Back Program.

50% Cash Back: Your clients are planning to purchase a house for $400,000 and when the house is paid off after 25 years, they have a $200,000 retirement fund waiting for them. They can receive partial payments anytime during the time frame of the Property Cash Back Program.

Here's how it works: The Home Builder pays a maximum of 6% of the property purchase price as tax deductible marketing expenses for the Property Cash Back Program to Equity Business Trust. Equity Business Trust places these funds into a trust account with one of our partner banks and Investment Managers. The annual rate of return* is guaranteed 13% and is secured by purchasing high yield Government Bonds.

The principal will earn interest and compound interest adding to the total amount over the term of the Property Cash Back Program, ensuring the refund of up to 50% of your client’s property purchase price at maturity.

Are your clients allowed to receive partial or full cash back redemption's? YES!

• Cash Back Certificate holders have the option to receive partial or full cash back redemption's based on the portfolio of Life Settlement Policies we have purchased. The standard rule is that after a minimum period of 3, 6, 9, 12, 15, 18, 21 or 24 years based on the accumulated value of the Property Cash Back Certificate at the time of their request can be paid in full or partial.
• At the end of the year term the Property Cash Back Certificate holder receives the exact amount available for payment as stated on his/her guaranteed Property Cash Back Certificate, as long as no early cash back redemption have been made.
• In case of partial cash back redemption received by your client, the remaining balance will be calculated and paid out accordingly.
• Your client has the option to transfer ownership of his/her guaranteed Property Cash Back Certificate to any third party such as an irrevocable trust, in order to enjoy maximum tax benefits and protect his loved ones from unwelcome tax liabilities. It can also be bequeathed in a will.

Please contact us for all your finance requirements. Please read also our financing sectors, terms and conditions.

100% Development & Joint Venture Financing for Land Owners - We provide all Building Materials free of charge!

ARE YOU INTERESTED IN AN EXCLUSIVE JOINT VENTURE OPPORTUNITY?

In limited cases, Equity Business Trust may also entertain joint ventures with strategic partners/land owners who share the company’s vision for bringing its cutting edge building products into the market.

21st Equity Homes Manufacturing (a Division of Equity Business Trust) is a fully integrated producer of Structural Insulated Panel (SIP) products and supplier of prefabricated Steel Frame Homes. SIP's and Steel Frames are high-performance prefabricated building panels used in floors, walls and roofs from high end residential to affordable housing, commercial & industrial construction as well as multi-family units.

We offer you an exclusive Partnership Opportunity: If you have land available for development of residential and/or commercial projects and you are missing the financing, we provide 100% development loans and all building materials free of charge based on the fact that you would sign a Purchase Order and a Joint Venture Agreement with our Company.

With our prefabricated building materials you will save not only precious time and labor costs in the construction process, but in addition you will save more than 60% on construction costs, when partnering with us.

As a Land Owner & Joint Venture Partner your benefits include:

• 100% development funding
• All building materials delivered free of charge
• No interest to be paid
• No debt
• No payments
• No payback

We invite you to visit www.21stequity.co.uk for further information about our products and service lines, especially

EQUITY'S "HOUSE IN A BOX SYSTEM"

• The Land: Do you own the land outright already for your planned project? Have you obtained zoning and building permissions?

• What documents do we need to see regarding your Land?

• A Copy of your Preliminary Title Report
• A recent valuation report/appraisal to be done by a recognized valuation firm or by an international bank
• Overview of mortgages on your land

If you are seriously interested getting your planned project off the ground, please contact our Trustee, Mr. Stephan Schurmann today. No matter where you are in the world, we are listening!

WE JOINT VENTURE ANYWHERE ACROSS THE WORLD!