Frequently Asked Questions

– Dividends: Some lenders allow you to retain dividend payments, while others may require dividends to be used for loan servicing.
– Voting Rights: Generally, voting rights are transferred to the lender for the duration of the loan.

The exact terms depend on the loan agreement and lender policies.

We accept publicly traded stocks from 90% of stock exchanges worldwide, including but not limited to:

– New York Stock Exchange (NYSE)
– Nasdaq (NASDAQ)
– London Stock Exchange (LSE)
– Euronext & other major exchanges

Eligibility is determined based on factors such as liquidity, market capitalisation, trading volume, and volatility. If your stock is listed on a recognised exchange, we can likely facilitate financing against it.

A stock-backed loan allows you to borrow against your publicly traded stocks without selling them. By using your stocks as collateral, you can access liquidity while retaining exposure to potential stock appreciation. Once the loan is repaid, your pledged stocks are returned to you.

– If your stock price increases – You retain the benefits of potential appreciation while keeping access to liquidity.
– If your stock price decreases – A margin call may be issued, requiring you to:

• Provide additional collateral to maintain the agreed LTV ratio.
• Make a partial repayment to rebalance the loan.

If no action is taken, the lender may sell part or all of your pledged stock to cover the loan balance.

– If you fail to meet repayment obligations or do not respond to a margin call, your pledged stock may be liquidated to settle the outstanding balance.

Stock-backed loans are non-recourse, meaning the only collateral required is your pledged stock. You are not personally liable, and your other assets remain protected.

– Minimum Loan Amount: $1 million USD
– Maximum Loan Amount: $500 million USD

Larger transactions may require additional structuring and due diligence.

Loan terms are flexible and vary based on the agreement with the lender.

– Loan Duration: Typically ranges from 3 years to 15 years
– Repayment Structure: Options include interest-only payments or full principal + interest repayment
– Early Repayment: Many lenders allow early repayment without penalties

All terms are agreed upon before funding is issued.

– Loan approval and funding typically take 5-10 business days, depending on:

• How quickly you provide required information
• Due diligence and lender processing times

The faster you move, the faster you receive funds.

The LTV ratio determines how much you can borrow against your stock holdings. This is based on:

– The liquidity and trading volume of your stock
– Your stock’s historical price stability and volatility
– Market demand for the stock

LTV ratios typically range from 40% to 80%, depending on the stock’s risk profile.

Yes, you can pledge multiple stocks to secure a single loan, which can help:

– Increase your total loan amount
– Improve loan terms by reducing risk exposure

Each pledged stock will be assessed individually to determine eligibility and LTV ratios.

No. Our financing solutions are asset-backed, meaning:
– No personal credit checks are required.
– Your personal credit score is not affected.
– Loan approval is based on the value of the collateral provided.

Review Financials collaborates with a diverse and well-established network of financial partners, including:

– Family Offices – Private investment firms managing wealth for high-net-worth families.
– Financial Institutions – Banks and alternative lenders providing structured financing solutions.
– Private Capital Providers – Institutional and private investors offering bespoke lending facilities.

Our consortium of financial partners enables us to offer flexible, high-value financing solutions across multiple sectors and jurisdictions.

Our financing solutions are tailored for:
– High-Net-Worth Individuals (HNWIs)
– Entrepreneurs & business owners
– Companies looking for alternative finance solutions

We facilitate transactions of $500,000 or more and work with clients globally.

Review Financials is a financial intermediary specialising in alternative financing solutions for High-Net-Worth Individuals (HNWIs), entrepreneurs, and businesses. We connect clients with bespoke lending options, including crypto-backed loans, stock-backed loans, commercial finance, and development finance, ensuring fast and efficient access to liquidity.

To begin the process, we require the following minimum information to assess loan eligibility:

– Crypto-Backed Loans:

• Cryptocurrency name
• Exchange where it is traded
• Loan amount requested

– Stock-Backed Loans:

• Stock name
• Exchange where it is traded
• Loan amount requested

– Commercial & Development Finance:

• Business/project details
• Funding requirements
• Financial projections (where applicable)

Providing these details upfront allows us to quickly assess your eligibility and match you with the most suitable lender. The faster we receive this information, the faster we can proceed with your loan approval.

Loan amounts vary depending on the financing type and collateral provided, but generally range from:
$500,000 to $500 million

For larger transactions, additional structuring may be required.

We implement robust security measures to protect your personal and financial data. However, we advise you to:
– Use secure networks when discussing financial matters.
– Never share sensitive information over unsecured channels.
– Verify all communications directly with Review Financials to prevent fraud.

The time required to complete a financing transaction depends on how quickly you provide the necessary information and complete any required steps.

– Crypto-Backed Loans: Can be processed within 24-72 hours if all requirements are met.
– Stock-Backed Loans: Typically take 5-10 business days.
– Commercial & Development Finance: May take 2-6 weeks, depending on the complexity of the project.

The faster you move, the faster you receive funds.

We prioritise strict confidentiality in every transaction:
– Your personal and financial details are never shared with third parties without consent.
– All discussions and agreements are handled with full discretion and security.
– We work exclusively with trusted financial partners to maintain the highest level of professionalism.

No. We do not provide tax, legal, or financial advisory services. We recommend consulting with qualified professionals in your jurisdiction for tax and legal guidance related to financing.

Yes, we work with a global network of financial partners to provide financing solutions internationally. Our financing structures are designed to accommodate clients across various jurisdictions, though specific terms may vary depending on local regulations and lender requirements.

Our financial partner network spans across five continents, allowing us to facilitate transactions efficiently for clients worldwide.

We do not charge any upfront fees, ever.

– Any applicable origination fees are fully disclosed during the discovery phase and are deducted from the loan proceeds upon funding.
– Some lenders may charge collateral management fees, which vary by lender and will be clearly stated before proceeding.

You will never be required to pay a fee before receiving funds. If anyone claims otherwise, they are not representing Review Financials.

We facilitate financing for a wide range of residential, commercial, and mixed-use development projects in the US and the UK, including:

– Ground-up construction – Residential and commercial developments.
– Renovations & refurbishments – Large-scale property improvements.
– Bridging finance for property purchases – Short-term funding to secure a property before permanent financing is arranged.
– Land acquisition & pre-development finance – Funding for purchasing and preparing land for development.

Eligibility depends on the project’s feasibility, location, and expected return on investment.

Development finance provides funding for property development projects, including new builds, large-scale refurbishments, and infrastructure projects. This type of financing is tailored for property developers, investors, and businesses looking to fund construction, renovation, or expansion projects.

Currently, development finance is only available in the US and the UK.

– If delays occur, lenders may agree to an extension, but this is subject to:

• The reason for the delay.
• The project’s updated feasibility and exit strategy.
• Additional funding requirements.

If a project is significantly delayed, you may need to renegotiate loan terms or seek alternative financing.

– If you fail to meet repayment obligations, the lender may enforce its security rights, which can include:

• Seizing or selling the development property.
• Appointing a receiver to manage or sell the project.

Lenders typically work with you to find a solution before enforcement action is taken. If challenges arise, early communication is key.

– Loan Duration: 6 months to 5 years, depending on project scope.
– Repayment Structure: Options include interest-only payments during development with a lump sum repayment upon project completion.
– Exit Strategy: The loan is typically repaid through property sales, refinancing, or rental income.

Repayment terms are structured to support cash flow and project profitability.

– Minimum Loan Amount: $1 million USD
– Maximum Loan Amount: $300 million USD (larger transactions may require structured financing solutions).

Loan amounts depend on the project’s size, location, and financial viability.

– Preliminary approval: Can take 5-10 business days, depending on the complexity of the project.
– Full loan approval & funding: Typically takes 2-6 weeks, depending on:

• Planning approvals
• Due diligence & underwriting
• Valuation & legal processes

Development finance is currently only available in the US and the UK.

Development finance is structured in stages, with funds released at key project milestones. The typical process includes:

1️) Project assessment & approval – Lenders evaluate project feasibility, financials, and planning permissions.
2️) Loan agreement & initial drawdown – Once terms are agreed, the first tranche of funds is released to begin construction.
3️) Stage-based funding – Additional funds are disbursed in phases as the project progresses, subject to lender approval.
4️) Completion & exit strategy – Upon project completion, the loan is repaid through sale, refinancing, or rental income.

Development finance is currently only available in the US and the UK.

Applying for development finance is a straightforward process that starts with one step from you:

– Submit an application – Provide details of your project, funding requirements, and exit strategy. The more information you provide, the smoother the approval process.

Once we receive your application, Review Financials takes care of the rest:

– Initial project review & lender matching – We assess the feasibility of your project and match you with a lender whose funding mandate aligns with your needs.
– Loan terms & approval process – Once a preferred lender is identified, we coordinate the approval process, ensuring loan terms are structured to meet your requirements.
– Guidance through every step – From application to funding, we work closely with you to navigate the lender’s process, helping you fulfil any necessary requirements.

We handle the complexities, allowing you to focus on delivering a successful project.

– In most cases, yes. Approved planning permission is typically required before securing funding.
– However, some lenders offer pre-planning finance, allowing you to secure funding while obtaining necessary approvals.

Having planning permission in place strengthens your loan application and speeds up approval.

– Yes. Funding is available for both large-scale renovations and full-scale property refurbishments, including:

• Converting commercial buildings into residential units.
• Extensive structural modifications and upgrades.
• Multi-unit residential renovations.

Currently, development finance is only available for projects in the US and the UK.

Accepted cryptocurrencies typically include:
– Bitcoin (BTC)
– Ethereum (ETH)
– USDT (Tether) & USDC (USD Coin)
– Select mid to large-cap altcoins

Some lenders may also accept smaller or niche cryptocurrencies, depending on factors like market cap, liquidity, and volatility. Eligibility is assessed on a case-by-case basis.

Loan amounts vary depending on the lender, but they generally range from $500,000 to $300 million USD. The exact amount available depends on:

– The value and type of cryptocurrency used as collateral
– The Loan-to-Value (LTV) ratio assigned by the lender
– Market liquidity and volatility of the asset

Larger loans may require additional due diligence and structuring, depending on the lender.

A crypto-backed loan allows you to borrow funds by using cryptocurrency as collateral. Instead of selling your assets, you can retain ownership while unlocking liquidity for various financial needs. Once the loan is repaid, your crypto is returned to you.

Your collateral is held securely by a custodian for the duration of the loan. This custodian could be a regulated financial institution, a lending partner, or a private entity.

– The assets remain locked until the loan is fully repaid.
– Some lenders reserve the right to manage collateral (e.g., through hedging strategies).

At the end of the loan term, your crypto is returned in full, provided all repayment obligations are met.

If your collateral value decreases, you may receive a margin call, which means you will need to:

– Add additional collateral to maintain the loan’s LTV ratio.
– Make a partial repayment to rebalance the loan.

If no action is taken and the collateral value falls below a critical threshold, the lender may liquidate part or all of the collateral to cover the loan balance.

If you fail to meet your repayment obligations or do not respond to a margin call, the pledged cryptocurrency may be liquidated to settle the outstanding balance.

However, due to the non-recourse structure of crypto-backed loans:

– The only collateral required is the cryptocurrency pledged, no additional assets are involved.
– You are fully protected, there is no personal liability beyond the pledged crypto.
– You can walk away from the loan at any time without any legal or financial repercussions.
– Your personal credit and other assets remain completely unaffected, this loan does not impact your credit score or require personal guarantees.

This structure ensures that you retain financial security and flexibility, with no risk beyond your pledged cryptocurrency.

Loan terms and repayment structures vary by lender, but they typically include:

– Loan Durations: Anywhere from 3 months to several years
– Repayment Structures: Some loans are interest-only, while others may require principal + interest payments
– Early Repayment: Most lenders allow early repayment without penalties, but this depends on the loan agreement.

All terms are confirmed before the loan is issued.

Interest rates and fees vary depending on:

– The lender and loan terms
– The type of cryptocurrency used as collateral
– Market conditions at the time of borrowing

Interest Rate:

– Low and fixed for the duration of the loan

Origination Fee:

– Charged by Review Financials for facilitating the funding facility
– Fully disclosed during the discovery phase of the loan
– Deducted from the loan proceeds, you are never required to pay this upfront

Collateral Management Fees:

– Varies depending on the lender, some lenders may charge a fee for securing and holding the collateral.

There are no upfront fees, ever. All fees are fully disclosed and agreed upon before proceeding and are deducted from the loan proceeds. You will never be required to pay any fees before receiving your funds. If anyone claims otherwise, they are not representing Review Financials.

You can usually receive funds in:

– USD, EUR, GBP, or other fiat currencies
– Stablecoins (USDT, USDC, or other digital assets)

The available payout options depend on the lender and your preferences.

The time required to complete a crypto-backed loan depends on how quickly you provide the necessary information and transfer collateral.

– Approval times vary by lender but can typically be completed within 24-72 hours
– Collateral transfer and loan disbursement may take an additional 1-4 days
– Some lenders release funds in multiple tranches to mitigate market exposure

The speed of funding is entirely dependent on your responsiveness. If all steps are completed promptly, funds can be received in as little as a few days.

The LTV ratio determines how much you can borrow against your cryptocurrency holdings. It varies depending on:

– The type of cryptocurrency used
– The market liquidity and volatility of the asset
– The exchange where the asset is listed

LTV ratios generally range from 40% to 90%, with more stable assets like BTC and ETH qualifying for higher LTVs compared to more volatile altcoins.

Applying for a crypto-backed loan is a simple and streamlined process that begins with one step from you:

– Submit an application – Provide details of your cryptocurrency holdings, the desired loan amount, and the purpose of the loan. The more information you provide, the smoother the approval process will be.

Once we receive your application, Review Financials takes care of the rest:

– Initial analysis & lender matching – We conduct a preliminary review of your holdings and loan request, working directly with our network of funding providers to match your application with a lender whose funding mandate aligns with your requirements.
– Loan terms & approval process – Once a preferred lender is identified, we coordinate the approval process, ensuring loan terms are structured to meet your needs.
– Guidance through every step – From application to disbursement, we work closely with you to navigate the lender’s process, helping you fulfil any necessary requirements and ensuring you receive funds as efficiently as possible.

Our role is to handle the complexities, allowing you to focus on what matters most, accessing liquidity.

No. Once pledged as collateral, your crypto is locked for the duration of the loan and cannot be traded or withdrawn until the loan is repaid.

– Businesses of all sizes, from SMEs to large corporations
– Property developers and commercial real estate investors
– Entrepreneurs and business owners seeking expansion capital

Eligibility is based on financial strength, revenue projections, and business viability.

We provide a range of tailored commercial finance solutions, including:

– Start-Up Loans – Funding to help new businesses launch and scale operations.
– Business Expansion Loans – Capital for growing operations, acquiring assets, or entering new markets.
– Working Capital Finance – Short-term funding to manage cash flow and operational expenses.
– Equipment Finance – Funding to purchase or lease essential business equipment.

Each solution is designed to support business growth and financial stability.

Commercial lending provides businesses and entrepreneurs with tailored financing solutions to support growth, expansion, acquisitions, and operational needs. Unlike personal loans, commercial finance is designed for companies, property investors, and business owners looking for structured capital solutions.

Funding can be secured or unsecured, depending on the business’s financial profile and the type of loan required.

We facilitate commercial financing across a broad range of industries, including:

– Real Estate & Property Development
– Manufacturing & Industrial Sectors
– Retail & Consumer Goods
– Technology & Innovation
– Healthcare & Pharmaceuticals
– Trade & Import/Export Businesses

We assess financing requests based on industry-specific risks, growth potential, and funding needs.

The exact requirements vary by loan type, but lenders typically request:

– Business financial statements – Profit & loss reports, balance sheets.
– Business plan & funding purpose – A clear breakdown of how the funds will be used.
– Cash flow projections – Evidence of revenue streams to support loan repayments.
– Collateral details (if applicable) – If using assets to secure funding.

Providing clear and well-prepared documentation speeds up the approval process.

– Loan Duration: 6 months to 10 years, depending on the financing type.
– Repayment Structure: Options include interest-only, fixed-term payments, or flexible repayment schedules.
– Early Repayment: Many lenders allow early repayment without penalties, subject to agreement terms.

Loan structures are designed to align with your business’s financial strategy and cash flow management.

– Minimum Loan Amount: $1 million USD
– Maximum Loan Amount: $500 million USD (Larger transactions may require structured financing solutions.)

Loan amounts depend on the type of commercial financing, business financials, and lender requirements.

– It depends on the loan type. Some loans, such as asset-based lending and secured business loans, require collateral.
– Unsecured commercial loans may be available, depending on business revenue and creditworthiness.

Collateral requirements are determined on a case-by-case basis to align with your business’s needs.

– Preliminary approval: 5-10 business days, depending on documentation completeness.
– Full loan approval & funding: Typically takes 2-6 weeks, based on:

• Due diligence & underwriting
• Collateral valuation (if applicable)
• Legal & compliance processes

Providing all necessary documentation upfront speeds up the process.

– Business viability – Lenders assess your company’s revenue, profitability, and financial health.
– Creditworthiness – Some loans consider business credit history, while asset-backed loans do not require credit checks.
– Collateral availability – If required, lenders evaluate the quality and value of pledged assets.

Each application is assessed individually to ensure the best financing structure for your business.

Applying for commercial finance is a straightforward process that begins with one step from you:

– Submit an application – Provide details of your business, funding requirements, and financials. The more information you provide, the smoother the approval process.

Once we receive your application, Review Financials takes care of the rest:

– Initial review & lender matching – We assess your business’s financing needs and match you with a lender whose funding mandate aligns with your objectives.
– Loan terms & approval process – Once a preferred lender is identified, we coordinate the approval process, ensuring loan terms are structured to support your business.
– Guidance through every step – From application to funding, we work closely with you to navigate the lender’s process and help you meet all requirements.

We handle the complexities, allowing you to focus on running your business.

– Yes. Many commercial finance options are based on asset-backed security or business cash flow, rather than credit history.
– Alternative financing solutions can be structured for businesses with strong financial fundamentals but limited credit history.

If traditional financing is not an option, we work with alternative funding providers to secure the best solution for your needs.