Commerce
Business
Development
Corporation

Financing Project Types

1. FINANCING OPTIONS - These options are in partnership with several Investment Banking Company with  whom we have strong working relationships

A.

START-UP BUSINESSES
This category applies to new companies or companies having less than one full year of verifiable sales and earnings.  In order to be considered such companies must have a clear technical or market advantage protected by patents, licenses, etc. 

B.

DEVELOPMENT CAPITAL
This category involves raising private (institutional or a strategic corporate partner) funds for company’s that have had:
(a) at least one full year of verifiable sales and earnings,
(b) a clear technical or market advantage protected by patents or licenses and
(c) Management qualified to lead the company through a rapid growth period. This category also encompasses mergers and acquisitions for clients meeting the same minimum standards set forth in the preceding paragraph.

C. IPO OFFERINGS
This activity involves companies that have at least a three, and preferably five-year minimum earnings history showing consistent growth. Current pre tax earnings should be not less than $2.5 MM after being adjusted to eliminate extraordinary or non-recurring charges and other costs that were incurred by the company primarily for the purpose of minimizing previous year’s tax liabilities. 
D. SECONDARY OFFERINGS
This category involves fully reporting companies that have been listed on the NASDAQ, AMEX, or NYSE. Bulletin Board or companies listed on regional exchanges may be accepted if they are reporting companies as defined by the SEC and if they will qualify for a NASDAQ listing contemporaneously with the completion of a secondary offering strategy.

2.   COMMERCIAL BUSINESS FINANCING

We will consider all types of business financing.  The minimum transaction is $150,000.  This can involve business restructuring, working capital, business consolidation loans, acquisitions and many other options.

3.   SHORT TERM “ BRIDGE LOANS”

This program will involve that which is commonly known as short-term (12 month's maximum, 90 days average) loans.  Hard assets as a result of which they are commonly known as "hard money" loans always substantially over collateralize such loans.  Points, interest and any other fees are generally deducted from the gross loan proceeds on the closing date.

4.   HARD MONEY LOANS

This type of loan differs from a bridge loan in that the loan to value ration can be a low as 30% with a closing after appraisal within 10 working days. Loan time frames can typically be from 6 to 12 months.  A renewable feature may apply based on an evaluation of the overall proposal.

5.   PURCHASE NOTES

We will purchase all notes with a minimum value of $25,000.  There is no upper limit at this time.  A preliminary indication of acceptability for each submittal can usually be obtained in a minimum of 3 working days.

6.   SYNDICATED PRIVATE PLACEMENTS

This category can apply to both corporate and project financing situations and involves syndicating, via a network of major international partners, private placement issues having a value of at least $15.0 MM to institutional investors.

7.   CONSULTING SERVICES

We will provide consulting to companies that have needs, managerially, financial requirements, restructuring, and various needs analysis based on the type of business.  This is done on a referral basis.
A. BUSINESS PLANS
We will agree to write business plans that will be solely the property of the clients. Clients will not be obliged to use our services to raise funds based upon the content of said business plans.
B. VISUAL PRESENTATIONS
We will create computerized; multi colored visual displays on floppy disks. These are ideal for “one on one” presentations to prospective clients, employees, vendors, etc.