The Global Consultancy Advisory Group

Global Consultancy Advisory Center

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What Is A Progressive Capital Management System?

An administrative system that connects clients to a variety of risk managed financing and wealth enhancement strategies. The system is designed to navigate our objectives through our clients providing alternative borrowing, lending and trading solutions.

What Is A Progressive Capital Management Fund?

A privately managed fund from $1,000,000 to $5,000,000,000 that is backed by credit lines, insurance line of credits or both to protect capital risk. Generates wealth, borrow, lend and trade against secure-able assets to implement credit management financing for any risk related transaction. 

What is a Transactional Manager?

A client that secures assets such as a credit line, insurance line of credit or both against cash to protect and borrow against his/her transactional risk against private risk related transactions.

What Is A Transactional Lender?

A client that specializes in asset procurement such as a credit line, insurance line of credit or both against cash lending against transactional risk against private and public risk related transactions.

What Is A Transaction?

A monetary exchange between two parties that made an agreement against a product or service being sold or purchased at a price acceptable to both parties.

What Is Risk?

The chance of exposure to injury or loss, hazardous or dangerous.

Each potential transaction has some degree of risk whether the risk is small or great. The fact remains, risk is risk.

The Global Consultancy Advisory Group understands this and has the expertise and knowledge to navigate the risk applied in a transaction. It is understood that a client may not have the financial capacity to offset risk in any given transaction.

What Is Transactional Risk?

The potential harm against a transaction. The risk exposure in a potential transaction that may result in causing danger and ultimately disrupting the natural flow of the transaction. 

How Does One Offset Transactional Risk?

The conventional method is pledging assets that provide monetary value against a product or service. Unfortunately, this doesn’t secure any transaction that has unforeseen events or expenses unaccounted for. The asset pledge only maintains security to the provider and not to the recipient.

Example: When you go to a store and purchase an item like a new electronic, the common question asked is would you like to add a warranty on the purchased electronic? That’s usually an additional cost. However, the point of the warranty is to eliminate future risk and guarantee replacement if required. Though this may be small however, the fact remains that risk is risk.

The Global Consultancy Advisory Group acknowledges the risk and understand the transaction. The transaction requires security and comfort of knowing that when engaged in a monetary exchange with a lender, banker or any other related provider, the common denominator is the collateral to the lender, banker or others who require you to secure their risk.

Project Developments, Sales/Acquisitions, Imports/Exports are transaction-based services with common risk factors that require special attention. These transactions focus on the logistics and financial aspects of borrowing, lending and trading against the risk associated in addition to these unforeseen dangers that may cause financial strain on the transaction.

We help navigate these dangers by offsetting our assets by mitigating and preventing loss against any risk related transaction requiring wealth, logistics and financial accommodations.

If you are a client transacting against or with risk related transactions, we're here to help you generate wealth, borrow and lend against transactional risk.

What Is A Management and Settlement Account?

1. A logistics, financial and wealth management account that is supported by securitized assets against cash to offset risk. 

A risk manageable asset such as a Standby Letter of Credit, Insurance Policy or both that protects the borrowing, lending and trading against private and public transactional risk.

This account is the management account against any project development, sale/acquisition, import/export protecting the borrowing, lending and trading against transactional risk. Preventing harm to the project development, sale/acquisition, import/export.

Progressive Capital Management Fund is activated against a Management and Settlement Account by selecting one of the following service incentive packages against a Progressive Management Plan.

Loan RepatriationsContract AllocationsBusiness Improvements
Credit EnhancementsSelf-Directed IMOsAsset Registrations
2. An administrative custodial fund secured by assets such as a credit line, insurance line of credit or both against cash.

A Management and Settlement Account managed through a Progressive Capital Management Fund protects the capital, project development, sale/acquisition, import/export risk. 

To establish a Management and Settlement Account is as follows: 

A. The client must meet the minimum account opening deposit from $150,000 up to $750,000,000 against the transactional funding value amount from $1,000,000 up to $5,000,000,000.

B. The Management and Settlement Account provides capital management against the deposits and transactional risk. 

The Management and Settlement Account functions two ways to support transactional risk as follows:

1. It allows the client to borrow against his/her risk related transaction. The client is allowed to generate personal income against his/her own risk related transactions. 2. It allows the client to lend and generate personal income against non-related risk related transactions. The client will be able to deposit capital into a Management and Settlement Account and generate wealth for a term of 12 months up to 66 months.
What Are Self-Directed IMOs? 

An Income Management Opportunity that self-directs earnings and profits against a deposit value that generates 25% monthly to 300% annually.

A Self-Directed IMO that self-directs capital against risk related transactions such as project developments, sales/acquisitions, imports/exports.

What Are Business Improvements?

A pre-arranged investment or business-related transaction that allows the client to generate personal income against fixed capital. This service gives the client full advantage of their income based on a qualified assets like an existing small business that is used to supplement out-of-pocket expenses.

A business and personal income generation plan for U.S. and Canadian small businesses that require fast zero down funding against an active small business.

What Are Loan Repatriations?

A loan that's rewarded by cash against referrals and early repayments.

What Are Credit Enhancements?

A cash back instrument that is typically issued from a top-rated bank such as an SBLC, Bank Draft, MTN, BG or Blocked Funds as collateral to activate a new or existing credit line to operate private trades. These are typically used for project finance or managed buy/sells or any other related trades. 

What Are Contract Allocations?

A buy/sell contract and allocation of goods that's transported from one location to another location. The movement of goods by land, air or sea.

An operative insurance backed instrument to secure goods against unnatural events and disasters.

What Are Asset Registrations?

Unregistered stocks, bonds, mutual, 144A or any other asset that requires ISIN and CUSIP registration to secure debt and equity.

What Is An Insurance Policy?

A practice or arrangement by which a company or government agency provides a guarantee of compensation for a specified loss, damage, illness, or death in return for payment of a premium.

A thing providing protection against a possible eventuality.

What Is An Insurance Bond?

An insurance bond, also known as an investment bond, is an insurance-related investment vehicle used primarily in the United Kingdom and Australia. The insurance bond is an investment instrument offered by life insurance companies in the form of a whole life or term life insurance policy. Insurance bonds best suit investors who use them for estate planning or who are interested in long-term investing. Also, insurance bonds have some tax advantages.

An insurance bond (or investment bond) is a single premium life assurance policy for the purposes of investment.

Due to tax laws, they are a common form of investment in the U.K. and some offshore centers.

Traditionally insurance bonds were with-profits policies and were often called with-profit(s) bonds. Since the introduction of unitized insurance funds, they have often been marketed as unit-linked bonds or investment bonds.

Key Points

  • Typically offered in the U.K. and Australia, an insurance bond is a whole or term life insurance policy in which remitted money is invested in funds.
  • Insurance bonds are often attractive to investors whose goals are estate planning or long-term investing.
  • Policyholders receive regular dividends or bonus payments.
  • Investors who have not taken withdrawals can receive their earnings tax-free if they hold their bonds for more than 10 years.

Understanding an Insurance Bond

Insurance bonds are simple investments which allow investors to save for the long term. An investor may choose from funds, similar to mutual funds, offered by a life insurance company. The investment can be through a lump sum amount or regular remitted payments, as with a standard life insurance policy. The structure of insurance bonds can be as a whole life policy or a term life policy.

The creation of a bond sold to an investor comes from pooled premium funds. The company will invest the funds into equities and other securities to create a high return on investment (ROI). Holders of the insurance bond receive a regular dividend or bonus payment. Also, bonds may pay out a portion of the fund if cashed in early. Alternately, bonds may pay out on the death of the insured person, who may or may not be the purchaser of the insurance bond.

These bonds originated as a way for a company to distribute surplus funds. Today, they are a collective pool and long-term investment vehicle meant to provide financial growth. Creation of bonds was most common in fraternal life companies, which are similar to mutual benefit societies or other fraternal organizations. 

With the introduction of unitized insurance funds, which are another form of collective investment, insurance bonds have begun to be called unit-linked bonds or investment bonds.

U.K. Tax Advantages of Insurance Bonds

Insurance bonds are ideal investments for long-term investors. The taxes paid on the insurance bonds generally decrease with prolonged holdings.

Investors who hold their bonds for more than ten years without making any withdrawals can receive their earnings tax-free, although different formulas determine this in different countries. This ability to reduce taxes by holding the insurance bonds for longer than ten years is the main advantage of this particular investment vehicle.

Another advantage of insurance bonds is that they can be purchased either to provide long-term growth or to provide a regular income for the policyholder. This income can vary with the market, or the policyholder can buy a bond which guarantees income over the life of the insurance bond.

How Are The Funds Generated?

The funds are generated by assets backed by cash held in a private institution in the Netherlands. The funds are held by a global conglomerate that has centered itself in the financial market creating the liquidity to borrow and lend against any risk related transaction at infinite levels.

In other words, the fund supports any risk related transaction engaged by its clients. The signature component of our funds is that it is backed by the fundamentals of creative financing. These fundamentals are the catalyst for new development and expanding the economic structures bringing in a new era.

How Do I Apply For A Stock Loan? 

Use the "Get Free Quote" button at the bottom to access our secure online form. We do not require your social security number and do not perform any credit checks with your application. There is not charge to apply. Attach a recent brokerage or bank statement and a driver’s license or other picture ID to verify identity, and that is all. Approximate time to complete: 5 minutes. 

Who Are Your Lenders?

We've assembled a group of top-rated, fully licensed FINRA-member advisory executives covering a growing list of institutional stock brokerages and banks, including UBS, TD Ameritrade, E-Trade, Charles Schwab, and Morgan Stanley. Each has agree to offer a stripped down, credit-line-only financing program collateralized by your stock, bond, REIT or mutual fund portfolio. Each have agreed to charge no additional fees beyond the interest on the principal you have drawn from your line. You are provided with your lender advisor’s FINRA background info link at the outset. 

How Long Does It Take On Average To Receive My Loan Funds? 

Every case is different, but for most clients with stock portfolios and no issues related to ownership (e.g., divorce, court) your funds should be available in about 7 business days. 

How Are You Able To Deliver Lower Interest Rates And Better LTV?

Our business model is based on two elements that reflect the preferences of our borrower clients. First, our lenders must offer a credit line only, not account management, investment advice, financial planning advice or other services (or costs) bundled into the loan process as is the usual case for any walk-in client at most brokerages or banks. Our clients in essence get the best lending services of existing private banking clients, without having to have a pre-existing account within those institutions when applying. Second: We send our client applications to as many of our lending partners as possible, the exact number dependent on the size and type of securities in your portfolio. This system has historically allowed us to make offers that are far more competitive than similar retail banking or brokerage offers, with all the same security, licensing, and expertise you’d expect from any modern financial institution. 

What is REIT Line? 

REIT Line is a unique lending program created in house with one of our Advisors, a finance Phd, who wanted to crack a difficult problem: Since many real estate deals involve payment with UPREIT tax-deferred securities, how can a client obtain cash from those securities without having to 1) convert them to taxable REITS and 2) Selling them. Conversion meant that they would become taxable, and costly. How to get cash from the UPREITs without converting or selling? 

We devised a program that could deliver up to 50% of the UPREIT value in a loan program that would not require conversion of the UPREIT  Operating Partnership Units. Result: Real estate investors can still receive payment in UPREIT OPUs for their real estate sales, AND obtain some liquidity from them without a conversion or sale. 

Can I Use My Credit Line And Still Get Business Improvements Or Other Loan? 

Yes. You can have both. We recommend that you obtain your Credit Line before you obtain your Business Improvements or other financing, however, to prevent the securities from being lien by any other lender. But the securities should be reportable as an asset in most cases for qualifying purposes for any follow-on financing. 

What Are The Differences Between Fixed Rate And Variable Rate Credit Lines? 

Our standard Credit Line is a variable rate product. This has several advantages for the client:

1) No maturity date;

2) Pay principal back any time;

3) Lower interest rate, based on 30-day LIBOR;

4) Draw as little or as much principal at any time up to maximum, and pay interest only on what you draw. 

The fixed rate has

1) A set maturity date (e.g., 2, 4, or 5 years);

2) A fixed rate, payable interest only;

3) No payment of principal until maturity;

4) higher interest rates on  average;

5) You must take the entire principal at once. 

For the standard Credit Line the principal may be paid back at any time in any manner, monthly or at once when the borrower chooses to exit. 

For the fixed rate option, borrower will repay the full principal or roll the loan into our no-maturity-date variable rate standard Credit Line at maturity. 

98% of all our clients choose the standard, variable rate option, as rates have been relatively stable for several years and are not expected to change dramatically in the near future.