To LLOYDS GROUP A GLOBAL FINANCIAL POWER-HOUSE Hotel, Resort, Casino and Golf Course Finance & Marinas, Yacht Clubs, Spas and Commercial Loans World-Wide Acceptance “Being the best is a road to travel, not a point to reach” is the lead phrase in Lloyds Group's credo. We’d like to put that spirit to work for you.

Principal Lender To The Golf Industry World-Wide

Lloyds Group Financial Group is a client focused lending enterprise capable of providing a wide spectrum of cost competitive and flexible financing solutions. Lloyds Group Financial Group has expertise in all commercial real estate asset classes and transaction structures, from conventional first mortgages to mezzanine and participating debt, and equity investments. We provide financing on a world-wide basis. The hallmarks of Lloyds Group are our expertise in structuring complex financing arrangements, unparalleled client service and rapid response times, and the ability to consistently deliver RESULTS.

• Our Primary emphasis is on financing Golf Courses, Office Buildings, Hotels, and Oil & Gas Refineries.
• Our Secondary emphasis is on Airports, Retail, Apartments, Senior Housing, Industrial, Mobile Home Parks, and non-traditional asset classes such as parking garages, storage facilities, etc.

Lloyds Group Financial Group has a special focus in golf course financing. The programs are designed to provide the GUARANTEED LOWEST INTEREST RATES and flexible financing for high quality daily-fee public, private and semi-private golf courses.

Other unique features include a NO COST collar for floating rate loans, and earn-outs based on cash flow.

Loan Parameters

Property Type, Quality And Location: Existing, good quality daily fee or semi-private golf courses located all over the world. Courses with a club-house, pro-shop and driving range preferred. Projects must be able to demonstrate stable and improving trends in rounds and cash flow. Purpose: Permanent acquisition, financing, refinancing, discounted debt recapitalization, transactions requiring quick commitments, as well as financing for renovations or other purposes. Financing Size: $US5,000,000 up to NO LIMIT Interest Rate: LIBOR Plus ¾% to 2.½%. Borrower may utilize 3 month LIBOR or 2.75% to 4.50% fixed over the 5 - 7 year Treasury Index. Loan to Value Ratio: Up to 90% Debt Coverage: Minimum 1.20X coverage based on debt service at the capped interest rate. Term: 5 years. In certain cases, two 10 year extension options may be possible Amortization: 15 to 20 years maximum Earn-Outs: May be possible, depending on property cash flow. Prepayments: Prepayment locked for 2 years, then yield maintenance Collateral: First Mortgage. Non recourse/limited recourse with standard commercial lender carve outs. Interest Rate Risk Management: Lloyds Group can provide various interest rate risk management products tailored to the specific loan structure. Products include no cost collars and interest rate swaps. Processing Fee:NONE Commitment Fee: NONE Loan Approval: Typically within 10 to 15 business days after receipt of an executed application and the related fees, and the receipt of requested borrower data. Funding: Typically 15 to 30 business days following Commitment.

INTEREST RATES as low as Libor + ¾%

Selling Your Golf Course?

We have serious buyers for existing golf courses around the world. Please click here to send us an e-mail, about the particulars of the golf course you want to sell. Lloyds Group welcomes Investors' Participation in our Golf Properties Investment Portfolios and ask that you, your staff and consultants to consider Lloyds Group as a part of your Investment Portfolio in the future. Please feel free to contact us now while your online with our page by simply sending us E-Mail. Click here

Interest Rates:
As Low As LIBOR Plus ¾%

Interest rates vary per project, investor and risk assessment. They can be as low as 5.5% or US Prime plus 1%. Loans can be straight debt or a combination of debt and equity. Lender equity positions may approach 15% for high risk projects or complete startups.

Lloyds Group can quickly access his world-wide agents for buy or sell of diamonds, precious gems, gold, silver, platinum, palladium, group metals and world currencies. There is NO UPPER LIMIT per transaction. Buyers will do an immediate bank to bank transfer of funds upon acceptance of documentation.

Transaction Size $US $5,000,000 - $50,000,000 LIBOR Plus 2% - % 2¼ Negotiable $50,000,000 - $100,000,000 LIBOR Plus 1% - 1½% $100,000,000 And Up LIBOR Plus ¾% - 1% Please click here for the rate over $500,000,000 send to you via e-mail.

Interest Rates?

With more than 25,000 investors/partners, such as world's TOP 100 BANKS click here it's not surprising Lloyds Group has grown into the world's leading lenders for income properties. These relationships, enable Lloyds Group to handle loan requests from US$5,000,000 to US$500 million+ with GUARANTEED LOWEST INTEREST RATES and plenty of options for flexible loan structures. An exposition on the missions and operations of Lloyds Group is beyond the scope of this web-site. However, a discussion of international project financing would not be complete without some mention of the missions of Lloyds Group and its affiliates, together known as the Lloyd Group International

Results!

Our resources, investing experience and culture put us in a unique position to help our clients. We are small enough to be responsive, innovative and flexible, yet we have access to the extensive resources of world's top 100 banks. Click here

A Financial Partner You Can Rely On We trust that we have clarified the intriguing world of Lloyds Group Golf Course Financing Programs. We will be happy to answer any questions you may have, relating to this opportunity and provide you with additional details regarding any of our devoted services. Please click here to inform us the full particulars of your situation and what you wish to accomplish. We will review your situation VERY CAREFULLY and offer to you a custom fitted solution. 95% of the time it will be simple to understand and 100% of the time it will be the least expensive alternative. If you would like to obtain further details about financing or re-financing of your Golf Course or wish to discuss any matter in complete confidence, please click here to contact: Mr. Robert Haig Ph.D. Lloyds Group Golf Course Financing Division

Please feel free to contact Lloyds Group if you believe obtaining an attractive Golf Course Financing Program from Lloyds Group may be appropriate in your particular situation. Any communication with us is considered PRIVILEGED and CONFIDENTIAL.

Selling Your Golf Course?