Capital Investment Loan by yon21009

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									                                           APPLICATION FOR FINANCING

               Register number ................................ / ………………………. (to be filled in by Meridian)



                                                    APPLICANT



 Company name:




 Address:




 Postal code and city:


 Country:


 Contact person


 Telephone/fax:


 e-mail:


 Type of activity and
 sector:



                            The applicant is interested in: (mark the right field)

                                               a.       investment loan




                                      ………………………………………………………………………………………………………………
 Amount/currency:
                                                        GBP  EUR  USD  CHF             other 



 Term:




 Purpose:
(describe in detail)




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                                           APPLICATION FOR FINANCING
                                           b.               working capital loan




 Amount/currency:
                                        ………………………………………………………………………………………………………………

                                                             GBP  EUR  USD  CHF    other 

 Term:



 Purpose:
(describe in detail)



                                                c.           refinancing loan




 Amount/currency:                       ………………………………………………………………………………………………………………

                                                             GBP  EUR  USD  CHF    other 

 Term:




 Purpose:
(describe in detail)




                                         TOTAL AMOUNT (a + b + c + d)




                                        ………………………………………………………………………………………………………………
 Amount /currency:
                                                             GBP  EUR  USD  CHF    other 




Own contribution:                       ………………………………………………………………………………………………………………
(applicable only to investment loans)




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                                                   APPLICATION FOR FINANCING

                                                          COLLATERALS:
                                           (mark the right fields, give details and estimated value)




                                                         DETAILS AND ESTIMATED VALUE OF COLLATERALS

       TYPE

                                                                                      PURCHASED FROM THE LOAN AMOUNT
                                           CURRENTLY OWNED                                (being collateral subject matter)


                                      Location ( address )                     Location ( address )
                                      ……………………………………….                         ……………………………………….

                                      Value* ………………………………                      Value* ………………………………

                                      Land Registry nr. …………………….. Land Registry nr. ………………………


                                                                               Location ( address )
                                      Location ( address )
                                                                               ……………………………………….
                                      ……………………………………….
        a. Real Estate                                                         Value* ………………………………
                                      Value* ………………………………
                                                                               Land Registry nr. ……………………………………
     *(the value taken from an        Land Registry nr. ……………………
     independent valuation
     attached to the Application
     Form)
                                      Location ( address)                      Location ( address)
                                      ……………………………………….                         ……………………………………….

                                      Value* ………………………………                      Value* ………………………………

                                      Land Registry nr. …………………… Land Registry nr. ……………………………………




                                       Machinery according to the
                                                                                  Machinery according to the attached list
       b. Machinery,                  attached list in the value of
                                                                               in the value of ………..…………………………………
       equipment,                     ………..…………………………………
     means of transport                                                          Equipment according to the attached list
c.                                      Equipment according to the
                                                                               in the value of
d.                                    attached list in the value of
                                                                               ………..…………………………………
                                      ………..…………………………………
     (list of machinery, equipment,                                       Means of transport according to the
     means of transport with            Means of transport according
                                                                        attached list in the value of
     serial number, date of           to the attached list in the value
     production, market and book                                        ………..…………………………………
                                      of
     value)
                                      ………..…………………………………




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                                           APPLICATION FOR FINANCING



                                       COLLATERALS – continuing
                                    (mark the right fields, give details and estimated value)



                                          DETAILS AND ESTIMATED VALUE OF COLLATERALS

TYPE
                                                                    CURRENTLY OWNED




   c.    Transfer
        (assignment)       of - Agreement with ……..…………….. - Agreement with ……………………………..
        debt claims           ………………………………..………………        ………………………………..………………
                                            ( contractor’s name )                       ( contractor’s name )

                                dated on ………………………………                   dated on ………………………………


(copies of the agreements
with the contactors attached)



                                  The guarantor’s name                  The guarantor’s name
   d. Guarantee /               …………………………………………………                    …………………………………………………
      pledge                    and the amount of                      and the amount of guarantee/pledge
                                guarantee/pledge                       ……………………………
                                ……………………………



   e. Other:                     ……………………………………                         ……………………………………




                                         SUM TOTAL (a + b + c + d + e)




Total estimated value of
collaterals (sum):                  ……………………………………                                    ……………………………………




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                                               APPLICATION FOR FINANCING


                            ADDITIONAL INFORMATION ABOUT THE APPLICANT


1. Does the Applicant have a business plan?


  YES              NO 
If yes, enclose it hereto (applies only to investment loans)



2. Date of starting up business activities: ……………………………………



3. Financial Results:

Balance Sheet                      For the last trading year   For the former trading year
Balance Sum

Investment Capital

Fixed Assets

Current Assets

Including:

Stock

Liabilities

Long-term Liabilities

Short-term Liabilities

including:

Credits and Loans

Remaining Liabilities

Balance                            xxxxxxxxxxxxxxxxxxxxxxxxx   xxxxxxxxxxxxxxxxxxxxxxxxxxxxx


a. Income:




b. Costs:




c. Profit/(loss):

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                                            APPLICATION FOR FINANCING




                             ADDITIONAL INFORMATION ABOUT THE APPLICANT


4. Has the Applicant applied for financing during the last 36 month?


- directly at banks:                      YES       NO   

- via financial intermediaries:           YES       NO   


5. Does the Applicant have any overdue liabilities towards (social security) not covered by
   composition?


     NO         YES       amount of overdue liabilities …………………………………



5. Does the Applicant have any liabilities towards banks?


      NO        YES       amount of liabilities …………………………………



6. Does the Applicant have any liabilities towards leasing firms?


     NO         YES       amount of liabilities …………………………………



7. Does the Applicant have any overdue receivables towards the counterparties?


     NO         YES       amount of liabilities …………………………………




8.     Does the Applicant have any overdue liabilities towards suppliers?

      NO         YES      amount of liabilities …………………………………




     ………………………, date…………….                                                ……………………………………………
                                                                                  (Signature & Seal)




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                                       APPLICATION FOR FINANCING



NEEDFUL ENCLOSURES TO APPLICATION:
The list of documents needed to carry out the process of granting financing can be found on our web site.
1. Investment Loan: http://www.meridian-capital.com/EN/finance/investment_loan.html
2. Working Capital Loan: http://www.meridian-capital.com/EN/finance/working_capital_loan.html
3. Refinancing Loan: http://www.meridian-capital.com/EN/finance/refinancing_loan.html




                                   LIST OF NECCESARY DOCUMENTS

                                                      Investment     Working Capital      Refinancing
                       Details
                                                         Loan              Loan               Loan


1. Documents confirming the legal status of your
Company and authorizing the pursuit of business                                               
activities



2. Documents describing the business activities
and the business prospects during the term of                                                 
financing


3. Documents concerning and proving the state
of your business' assets
                                                                                              


4. Financial statements for the last two full years
and for the end months of the current year
                                                                                              


5. A list of receivables and liabilities of your
Company
                                                                                              


6. Opinions from other banks and financial
institutions rendering services to your Company
and relating to balance and timelines of repaying                                             
financial liabilities owing to them by your
Company


7. A statement on the balance of tax liabilities
towards the state treasury and social security
                                                                                              

8. Title deeds and signed lease or rent agreement
covering your business' locations                                                             
9. List of signed future sale contracts                                                       


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                                     APPLICATION FOR FINANCING


                                 LIST OF NECCESARY DOCUMENTS


                                                       Investment   Working Capital     Refinancing
                      Details
                                                         Loan            Loan               Loan


10. Documents regarding the proposed
investment project                                          

Business plan                                               

Technical characteristics                                   

feasibility study                                           

Construction permits for the investment project             

Other permits and licenses of the relevant
authorities required for the investment project's           
purposes
Documents pertaining to the study of the
investment project's environmental impact
                                                            

Other documents relating to the investment
project required for its realization
                                                            


11. A list of assets that may represent collateral                                          

Copies of entries to the land and mortgage
register of properties owned by the applicant
                                                                                            
A list of fixed assets that may represent collateral                                        
A list of warehouse stock that may represent
collateral
                                                                                            
A list of contracts (and where relevant copies of
the contracts) that may represent the subject-                                              
matter of assignment for collateral purposes
A list of insurance agreements (and where
applicable copies of the agreements) that may
represent the subject-matter for collateral
                                                                                            
purposes
12. Documents regarding the refinancing                                                       
Credit contracts                                                                              
Loan contracts                                                                                

………………………, date…………….                                               ……………………………………………
                                                                                  (Signature & Seal)


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                                                APPLICATION FOR FINANCING



Please send the completed and signed application with the enclosures by fax to the
number +44 870 286 36 06 or by e-mail to: info.en@meridian-capital.com or by mail
to Meridian Capital Enterprises Ltd. Tower 42, 25 Old Broad St. London EC2N 1HN
United Kingdom.




                                                MERIDIAN CAPITAL ENTERPRISES Ltd.



       Financial Analysis and      Loan Repayment            Financial Analysis       Department for        Institutional Investors
            Documents            Monitoring and Debt               Center          Globalization Issues    Cooperation Department
            Assessment          Collection Department           14 Wall Street        and Analysis of
            Department            World Trade Center              20th Floor      International Economic
                                                                                                            ‫ال دائ رة ال تدري ب ية‬
       Operational Centre for    Edificio Sur - 2ª Planta    New York City, New           Relations          ‫ل ق سم اإل س ت ثمار‬
             Acquiring,           Muelle de Barcelona            York 10005          New Information
            Transferring             Barcelona 8039             United States           Technology
                                                                                                            ‫مرك ز مم ل كة ال ري اض‬
           (Information                    Spain                                        Department           11321 ‫ضايرلا‬
        Logistics), Analysis                                                         Kurfürstendamm 21
         and Processing of                                                              10719 Berlin          ‫ال مم ل كة ال عرب ية‬
            Information                                                                   Germany               ‫ال س عودي ة‬
        53 Rzymowskiego St,
           02-697 Warsaw
               Poland




                                                     www.meridian-capital.com


                                                        Customer Service:


            In English             In Spanish                  In German             In Portuguese             In Russian
Tel.     +44 20 32868757         +44 20 32395929             +44 20 81446036         +44 20 32867979         +48 22 5480056
         +44 20 32866078        +44 20 812 30084             +44 20 81442804         +44 20 81231533         +48 22 5480055

Fax:    + 44 870 286 36 06      + 44 870 286 36 06          + 44 870 286 36 06      + 44 870 286 36 06      +48 22 244 29 29




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                                   APPLICATION FOR FINANCING


 PRINCIPLES OF PROVIDING THE FINANCING – TERMS AND
                                      CONDITIONS
1.    General issues                            We offer loans to enterprises who need
2.     Legal basis                              financial    resources         to     continue        their
3.     Types of loans                           development and expansion (investment
4.     Credit capacity and collaterals          loans), and to those who urgently need
5.     Loan currency                            financial    resources,        due       to   temporary
6.     Loan interest rate                       liquidity   problems,          to    finance     current
7.     Margin                                   transactions (working capital loans) or the
8.     Loan disbursement                        repayment         of    bank         credit     facilities
9.     Grace period                             (refinancing loans).
10.    Commission
                                                Meridian Capital Enterprises Ltd. is neither
                                                a bank nor a credit advisory or financial
PRINCIPLE of loan refusal
                                                intermediation         firm.        Meridian     is     an
11.    Principle: The one who lends
                                                International,         non-banking,            financial
       money is demanding
                                                institution, supported in terms of capital by
12.    Principle of independence
                                                investors proceeding, among others, from
13.    Principle of availability
                                                countries of the Persian Gulf area.
14.    Principle of co-operation
                                                Meridian Capital Enterprises Ltd. does not
15.    Principle of diligence
                                                pursue      any    banking          or    para-banking
16.    Principle of integrity
                                                activity which is reserved under the law
17.    Principle of prevention
                                                only for those institutions. Meridian Capital
18.    Principle of professionalism
                                                Enterprises Ltd. does not accept financial
19.    Principle of confidentiality
                                                resources in the form of deposits to be
                                                designated for financing the enterprises.
General issues                                  2. Legal basis


International investors, in co-operation with   In order for the loan to be granted the
Meridian Capital Enterprises Ltd., finance      Borrowers are required to:
enterprises by granting them investment,
working capital and refinancing loans in        -   have credit capacity within the meaning

excess of USD 10.000.000,00 (minimum                of the Banking Law

loan amount).                                   -   have loan collaterals




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                                           APPLICATION FOR FINANCING

    3. Types of loans                                        •   other forms of collaterals proposed

                                                             by the Borrower
    The types of loans include:
    •         short-term     –   granted    for   the
              maximum term of 1 year.                    5. Loan currency
        •     mid-term – granted for the term
                                                         Loans       are    granted    in      the     following
        from 1 to 3 years
                                                         currencies:
        •     long-term – granted for the term           - EUR, USD, CHF, GBP

        longer than 3 years
                                                         6. Loan interest rate


                                                         Loan interest rate may be:
    4. Credit capacity and collaterals
                                                         •       fixed
                                                         •       variable
    A       prerequisite   for   signing   the    loan
    agreement is the Borrower’s:
                                                         The loan interest rate is composed of:
        •     having credit capacity within the
                                                             •   LIBOR/EURIBOR for terms of 1, 3 or
        meaning of the Banking Law
                                                             6 months – depending on the loan
    •         having loan collaterals
                                                             currency
    The loan repayment may be secured by:
    •         mortgage upon real property                        •          margin    of    Meridian     Capital
        •     bill of exchange with the declaration              Enterprises Ltd.


    •         guarantee
                                                         LIBOR       rate   (London    Interbank        Offered
    •         bank guarantee                             Rate) is the interest rate for loans offered
        •     assignment of rights from future           on the interbank market in London by 4
        debt claims                                      main banks (Bankers Trust, Bank of Tokyo,
                                                         Barclays and National Westminster) – set at
        •     assignment of rights from insurance        11:00 a.m. of London time.
        policy of movables or real properties
                                                         EURIBOR       rate   (Euro        Interbank    Offered
•       assignment of movables, including fixed
                                                         Rate) is the interest rate for loans in the
        assets
                                                         Euro area offered by one bank to another
    •         pledge on movables
                                                         one. It is the average listing of 57 largest
                                                         banks from the Euro area – set by FBE -

                                                                                                             11
                                      APPLICATION FOR FINANCING

Federation Bancaire de L'Union Europeenne             The commission amount ranges from 0.5%
in Brussels at 11:00 a.m.                             to 3% of the loan`s total amount.


7. Margin                                             The amount of commission depends on:
                                                      •        the loan amount
The margin of Meridian Capital Enterprises            •        the financial risk
Ltd. is generally lower than the one of
banks, on average by 10 to 20%, compared              The commission is payable on a one-off
with bank offers.                                     basis and is non-refundable.


The margin of Meridian Capital Enterprises            The commission is payable at the time of
Ltd. is similar to the bank offers if the             disbursing    the   funds       (loan   payout).      It
financing covers a project giving rise to a           means      that   the    loan    amount       will    be
significant financial risk.                           diminished by commission on the day of
                                                      loan disbursement.
The margin of Meridian Capital Enterprises
Ltd. is fixed during the whole term of the
                                                            PRINCIPLES OF LOAN REFUSAL
loan agreement.

                                                      Meridian     Capital     Enterprises     Ltd.        may
8. Loan disbursement
                                                      refuse to provide financing not only due to
                                                      subject-related reasons, but also due to the
The loan may be disbursed:
                                                      client’s behavior not complying with the
•      one-off
                                                      standards     binding     at     Meridian      Capital
•      in installments
                                                      Enterprises Ltd., mentioned under items 11
                                                      to 17.
9. Grace period
                                                      11.   Principle:        The     one     who     lends
                                                      money is demanding
Meridian Capital Enterprises Ltd. provides
for   the    possibility   of   granting   to   the
                                                      In exchange for financing Meridian Capital
Borrower a grace period in repayment of
                                                      Enterprises Ltd. expects that its clients will
principal.
                                                      adapt to specific requirements and comply
                                                      with the effective procedures. A breach of
10. Commission
                                                      this principle makes it impossible for the
                                                      client to obtain financing from Meridian
Meridian Capital Enterprises Ltd. is entitled
                                                      Capital Enterprises Ltd.
to commission due to loan granting.


                                                                                                            12
                                    APPLICATION FOR FINANCING

12. Principle of independence                        form during the proceedings related to
                                                     financing.
The principle of independence is binding at
Meridian     Capital   in respect   of    subject-   16. Principle of integrity
related and procedural decisions. It means
that it is not acceptable that the clients           The financing may be refused due to the
exert any pressures on our employees in              client’s presentation of untrue information,
order to obtain financing. A breach of this          i.e. not complying with the actual or legal
principle may cause effects opposite to the          status, and hiding true information.
intended ones and finally result in our              17. Principle of prevention
refusal to provide financing.
                                                     Meridian        Capital     Enterprises         Ltd.     may
13. Principle of availability                        refuse to co-operate with clients suspected
                                                     of     committing         the    crime     of    financing
 When proceeding with the client, Meridian           extortion, economic espionage or another
Capital Enterprises Ltd. makes current and           action to the detriment of Meridian Capital
     repeated assessments of credit capacity         Enterprises        Ltd.         Those      crimes         are
 and collaterals. It means that at any time,         prosecuted by Meridian Capital Enterprises
      before taking the final decision as to         Ltd.     with      great        resolve,    unrelenting
 financing, the client is obliged to present         consistency and determination with the use
the required documents and information. A            of all available instruments.
 breach of this principle may result in our
          refusal to provide financing.              18. Principle of professionalism
14. Principle of co-operation
                                                     Meridian        Capital     Enterprises         Ltd.     may
The financing may be refused due to the              refuse     to     finance       clients    not         having
client’s passive attitude, understood as lack        sufficient knowledge, experience and skills
of     co-operation    with   Meridian     Capital   needed for realisation and implementation
Enterprises Ltd., and inactive attitude when         of the project to be financed.
applying for financing.
                                                     19. Principle of confidentiality
15. Principle of diligence
                                                     The principle of banking secrecy is binding
The financing may be refused due to the              on the banking market. It results from the
client’s failure to comply with declarations         Banking Law regulations.
and statements of will presented in any


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                                 APPLICATION FOR FINANCING

The principle of confidentiality is binding at     containing     data    of    the   enterprise,    its
Meridian Capital Enterprises Ltd. and it           financial results and know-how, and also
results from the expectations and legal            about its representatives. The principle of
reservations of our clients.                       confidentiality (secrecy) also covers the
                                                   negotiations    and     talks      held   with    the
Meridian     Capital     Enterprises      Ltd.     enterprise,      including         its    technical,
guarantees and ensures full protection of          technological, organisational and all other
information about its clients. It covers in        information about the client. The principle
particular the ban on disclosing to anyone,        of   confidentiality        does   not    apply    to
any time and in any form any information           authorised state authorities.




I HAVE READ THE ABOVEMENTIONED PRINCIPLES AND I AGREE TO COMPLY WITH
THEM UNDER THE PAIN OF REFUSING THE FINANCING.



………………………………….. ………………………………….                   …………………………………………………………………..
    city               date                                  signature




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