Capital Resource Management

Financial Independence Plan

Financial independence can be achieved through deliberate sound planning and does not happen by chance. Your Trusted Advisor will guide you in making informed decisions, helping you take control of your finances by creating investment, tax and insurance strategies compatible with your prioritized objectives. We provide the intellectual resource and ongoing coaching that is often necessary to bring clarity to your financial goals and the experience to help you make them your reality

Retirement Plan Blueprint

A successful retirement plan should be designed to closely mirror retirement goals and desired lifestyle. Assets from employer pension plans, IRAs, and personal investments require a directed retirement plan to assess the delicate balance of risk, time, and investment necessary to help achieve stated retirement goals. Collectively, we determine how this will fit into your overall retirement investment portfolio and estate plan to help make sure it is there for your lifetime and beyond. A trusted advisor will direct your retirement plan on to help you along to way to make smart choices about your money. As you move into your retirement years, your trusted advisor will guide you through unique proprietary retirement income distribution strategies designed to help protect your portfolio during times of extreme market volatility.

Family Estate Preservation Planning

The goal for a well-crafted estate plan is to preserve family wealth for your heirs and charities that have bought value into your family and community. Working with a Trusted Advisor and a qualified estate-planning attorney together, create a sound estate plan that will entitle you to control the distribution of your assets, designate individuals or financial institutions to manage your personal and financial affairs, and minimize estate settlement costs. The primary objective or family estate preservation planning is to minimize or eliminate estate taxes at the distribution of your estate.

* May determine the appropriate level of inheritance for each heir
* May transfer your estate at death without court imposed probate fees
* May minimize and eliminate estate taxes
* May increase the net amount your heirs will receive at your death
* May include your favorite charity in your estate plan
* May receive an immediate income tax reduction
* May realign your investment portfolio without capital gains taxes on highly appreciated assets.
* May increase your income on highly appreciated low or no income producing assets

Investment Strategy Development & Management

Being overwhelmed when it comes to selecting investment management options suitable to you, especially during times of market uncertainty, is unfortunately an all-too-common experience. Working with a Trusted Advisor to develop a comprehensive investment strategy may relieve the anxiety you may be experiencing in knowing what to do with your portfolio. A personal investment strategy becomes a sophisticated tool that takes into account financial priorities, risk profile, and financial planning considerations now and in the future. The process includes current perspective and insight into the latest market conditions and sophisticated investment strategies designed to navigate volatile markets with a balance between real estate, stocks, bonds, and cash with properly balanced ratios* reflecting your investment goals and risk tolerance.

Source : Capital Reource Management >>>http://www.crmfinancial.com/new/crmtfinancial/default.asp


-----------------------------------------------

Economic Crisis 2011

Justify the economic crisis in 2012 will happen ...certainly no one person who can answer with certainty ..., at least we can predict ... but more important is whether or not a crisis in 2012 necessarily for the business or business owner will always retain even always trying to develop business y,......

but even so if we are moving in the field of business must still be alert to what will happen in times to come. thus in this article will be described how the steps in overcoming the economic crisis will affect the business we are living:
1. Preparing human resources (staff) are ready to fight in any condition.
human resource management is very vulnerable at all because this is the basic capital in improving the business will continue to exist in times to come. certainly very difficult in fostering an employee to always care about the job responsibilities that have been imposed. of course that is best done by a leader is to approach an individual basis so as to appear not to fear the leader, a leader must be able to instill a sense of belonging to the company, because with the companies that we will live in prosperity and ....
2....

Health care system

A health care system is the organization of people, institutions, and resources to deliver health care services to meet the health needs of target populations.

There is a wide variety of health care systems around the world, with as many histories and organizational structures as there are nations. In some countries, health care system planning is distributed among market participants. In others, there is a concerted effort among governments, trade unions, charities, religious, or other co-ordinated bodies to deliver planned health care services targeted to the populations they serve. However, health care planning has been described as often evolutionary rather than revolutionary.

The explosive growth of managed care has led to an increased role for general internists and other primary care physicians in the American health care system. This change is welcome in many respects, since generalists have perennially been undervalued by health care institutions, payers, and even patients. The greater prominence of generalism has led to an increase in the number of medical students who choose careers in primary care, expanded job opportunities for generalists, and a modest increase in the incomes of primary care physicians.

Two of the principles underlying generalism, whether in the form of internal medicine, pediatrics, or family medicine, have been comprehensiveness and continuity. Ideally, the primary care physician would provide all aspects of care, ranging from preventive care to the care of critically ill hospitalized patients. This approach, argued the purists, would result in medical care that was more holistic, less fragmented, and less expensive. To its proponents, the notion was so attractive — the general internist admits the patient to the hospital, directs the inpatient workup, and arranges for a seamless transition back to the outpatient setting — that questioning it would have seemed sacrilegious merely a few years ago.

Car Insurance Quotes online

Car Insurance Quotes online refers to the buying and selling of insurance online. Insurance is subject to the principle of utmost good faith, which makes it convenient for people to conduct the business online, as both the parties have absolute duties to disclose all material facts otherwise any contract concluded is void.

Conducting a complete insurance transaction can be difficult for most commercial businesses, due to the necessity of underwriting, sales, and a whole network of employees to ensure the contract is up to company standards. For this reason, many types of personal insurance are now sold online, including car insurance, travel insurance, and medical insurance.[citation needed]

In recent times, many online insurance providers now provide not only an insurance quote online, but perform the remainder of the selling process manually, and takes a large amount of paperwork out of the process. Some international insurance companies still require an actual physical process to take place. An example is purchasing car insurance in Dubai, where it is mandatory to give an Arabic certificate of insurance before registering the car. The certificate should bear a physical stamp of the issuing company, which means that the transaction cannot be completed online.

Leasing

Leasing is a process by which a firm can obtain the use of a certain fixed assets for which it must pay a series of contractual, periodic, tax deductible payments.


The lessee is the receiver of the services or the assets under the lease contract and the lessor is the owner of the assets. The relationship between the tenant and the landlord is called a tenancy, and can be for a fixed or an indefinite period of time (called the term of the lease). The consideration for the lease is called rent. A gross lease is when the tenant pays a flat rental amount and the landlord pays for all property charges regularly incurred by the ownership from lawnmowers and washing machines to handbags and jewellry.

Under normal circumstances, a freehold owner of property is at liberty to do what they want with their property, including destroy it or hand over possession of the property to a tenant. However, if the owner has surrendered possession to another (the tenant) then any interference with the quiet enjoyment of the property by the tenant in lawful possession is unlawful.

Similar principles apply to real property as well as to personal property, though the terminology would be different. Similar principles apply to sub-leasing, that is the leasing by a tenant in possession to a sub-tenant. The right to sub-lease can be expressly prohibited by the main lease.

Vehicle leasing

Vehicle leasing is the leasing (or the use of) a motor vehicle for a fixed period of time. It is commonly offered by dealers as an alternative to vehicle purchase but is widely used by businesses as a highly cost-effective method of acquiring (or having the use of) vehicles for business, without the usually needed cash outlay. The key difference in a lease is that after the primary term (usually 2,3 or 4 years) the vehicle has to be returned to the leasing company for disposal.

Leasing offers advantages to both buyers and sellers. For the buyer, lease payments will usually be lower than payments on a car loan would be, and qualification is often easier. Some consumers may prefer leasing as it allows them to simply return a car and select a new model when the lease expires, allowing a consumer to drive a new vehicle every few years without the responsibility of selling the old vehicle. A lessee does not have to worry about the future value of the vehicle, while a vehicle owner does.

For the lessor, leasing generates income from a vehicle the lessor still owns and will be able to lease again or sell through vehicle remarketing once the original (or primary) lease has expired. As consumers will typically use a leased vehicle for a shorter period of time than one they buy outright, leasing may generate repeat customers more quickly, which may fit into various aspects of a dealer's business model.

Asset

In financial accounting, assets are economic resources. Anything tangible or intangible that is capable of being owned or controlled to produce value and that is held to have positive economic value is considered an asset. Simply stated, assets represent ownership of value that can be converted into cash (although cash itself is also considered an asset).

The balance sheet of a firm records the monetary value of the assets owned by the firm. It is money and other valuables belonging to an individual or business. Two major asset classes are tangible assets and intangible assets. Tangible assets contain various subclasses, including current assets and fixed assets. Current assets include inventory, while fixed assets include such items as buildings and equipment.

Intangible assets are nonphysical resources and rights that have a value to the firm because they give the firm some kind of advantage in the market place. Examples of intangible assets are goodwill, copyrights, trademarks, patents and computer programs, and financial assets, including such items as accounts receivable, bonds and stocks.

Related Post :
Finance Lease
A finance lease or capital lease is a type of lease. It is a commercial arrangement where read more...
Financial accountancy
Financial accountancy (As seen by the COB) (or financial accounting) is the field of accountancy concerned with the preparation of financial statements for decision makers, such as stockholders, read more ...
Asset
In financial accounting, assets are economic resources. Anything tangible or intangible that is capable of being owned or controlled to produce value read more ...

Financial accountancy

Financial accountancy (As seen by the COB) (or financial accounting) is the field of accountancy concerned with the preparation of financial statements for decision makers, such as stockholders, suppliers, banks, employees, government agencies, owners, and other stakeholders. Financial capital maintenance can be measured in either nominal monetary units or units of constant purchasing power.[1] The fundamental need for financial accounting is to reduce principal-agent problem by measuring and monitoring agents' performance and reporting the results to interested users.

Financial accountancy is used to prepare accounting information for people outside the organization or not involved in the day-to-day running of the company. Management accounting provides accounting information to help managers make decisions to manage the business.

In short, Financial Accounting is the process of summarizing financial data taken from an organization's accounting records and publishing in the form of annual (or more frequent) reports for the benefit of people outside the organization.
Related Post :
Finance Lease
A finance lease or capital lease is a type of lease. It is a commercial arrangement where read more...
Financial accountancy
Financial accountancy (As seen by the COB) (or financial accounting) is the field of accountancy
concerned with the preparation of financial statements for decision makers, such as stockholders, read more ...
Asset
In financial accounting, assets are economic resources. Anything tangible or intangible that is capable of being owned or controlled to produce value read more ...

Finance Lease

A finance lease or capital lease is a type of lease. It is a commercial arrangement where:

• the lessee (customer or borrower) will select an asset (equipment, vehicle, software);
• the lessor (finance company) will purchase that asset;
• the lessee will have use of that asset during the lease;
• the lessee will pay a series of rentals or installments for the use of that asset;
• the lessor will recover a large part or all of the cost of the asset plus earn interest from the rentals paid by the lessee;
• the lessee has the option to acquire ownership of the asset (e.g. paying the last rental, or bargain option purchase price);

A lease is a contractual arrangement calling for the lessee (user) to pay the lessor (owner) for use of an asset. A rental agreement is a lease in which the asset is tangible property. Leases for intangible property could include use of a computer program (similar to a license, but with different provisions), or use of a radio frequency (such as a contract with a cell-phone provider). A gross lease is when the tenant pays a flat rental amount and the landlord pays for all property charges regularly incurred by the ownership from lawnmowers and washing machines to handbags and jewelry.

A cancelable lease is a lease that may be terminated solely by the lessee or solely by the lessor. A non-cancelable lease is a lease that cannot be so terminated. Commonly, “lease” may imply a non-cancelable lease, whereas “rental agreement” may connote a cancelable lease.

The lease will either provide specific provisions regarding the responsibilities and rights of the lessee and lessor, or there will be automatic provisions as a result of local law. In general, by paying the negotiated fee to the lessor, the lessee (also called a tenant) has possession and use (the rental) of the leased property to the exclusion of the lessor and all others except with the invitation of the tenant. The most common form of real property lease is a residential rental agreement between landlord and tenant. The relationship between the tenant and the landlord is called a tenancy, and the right to possession by the tenant is sometimes called a leasehold interest. A lease can be for a fixed period of time (called the term of the lease) but (depending on the terms of the lease) may be terminated sooner.

A lease should be contrasted to a license, which may entitle a person (called a licensee) to use property, but which is subject to termination at the will of the owner of the property (called the licensor). An example of a licensor/licensee relationship is a parking lot owner and a person who parks a vehicle in the parking lot. A license may be seen in the form of a ticket to a baseball game. The difference would be that if possession is subject to ongoing, recurrent payments and is generally not subject to termination except for misconduct or nonpayment, it is a lease; if it's a one-time entrance onto someone else's property, it's probably a license. The seminal difference between a lease and a license is that a lease generally provides for regular periodic payments during its term and a specific ending date. If a contract has no ending date then it may be in the form of a perpetual license and still not be a lease.

Under normal circumstances, owners of property are at liberty to do what they want with their property (for a lawful purpose), including dealing with it or handing over possession of the property to a tenant for a limited period of time. If an owner has surrendered possession to another (i.e., the tenant) then any interference with the quiet enjoyment of the property by the tenant in lawful possession is itself unlawful.

Similar principles apply to real property as well as to personal property, though the terminology would be different. Similar principles apply to sub-leasing, that is the leasing by a tenant in possession to a sub-tenant. The right to sub-lease can be expressly prohibited by the main lease, sometimes referred to as a "master lease".

Source : http://en.wikipedia.org/wiki/Finance_lease
Related Post :
Finance Lease
A finance lease or capital lease is a type of lease.
It is a commercial arrangement where read more...
Financial accountancy
Financial accountancy (As seen by the COB)
(or financial accounting) is the field of accountancy
concerned with the preparation of financial statements
for decision makers, such as stockholders, read more ...
Asset
In financial accounting, assets are economic resources.
Anything tangible or intangible that is capable of
being owned or controlled to produce value read more ...

Small Business Lending

Small Business Lending is an economic indicator from Thomson Reuters Indices and PayNet Inc. Because small businesses generally respond to changes in economic conditions more rapidly than larger businesses do, the Thomson Reuters/PayNet Small Business Lending Index serves as a leading indicator of the economy.

Resort Finance

Economic factors such as fluctuating fuel costs paired with a decline in travel can present tough challenges to businesses in the hospitality industry, understands that the hospitality industry is an important economic driver and has the industry experience to realize growth opportunities, even amid market uncertainty. Whether your goal is acquisition or the refinancing of an existing property.

A resort finance loan is designed specifically for businesses who are trying to start a resort or businesses which are looking to expand on an existing resort. Typically a resort loan is issued by a commercial lender. In some situations a business looking to get a resort finance loan may utilize a commercial loan broker. While using a commercial broker is not necessary the practice can lead to an improved chance of getting an approval, faster approvals and lower interest rates. This is possible because a broker will work with more than one commercial lender to get the best terms possible.

A resort financial loan is considered a fairly risky type of financing. As a result of this most lenders have extremely stiff policies surrounding them. Businesses with low credit scores often find it difficult if not possible to obtain a resort financing loan.

Related Post :
Commercial Real Estate, Economic uncertainty and a hesitant market present multiple challenges in the commercial real estate sector....

Healthcare Real Estate, The demand for quality healthcare, combined with a growing population of seniors, will require healthcare...

Resort Finance, Economic factors such as fluctuating fuel costs paired with a decline in travel can present tough challenges to businesses in the ...

Healthcare Real Estate

The demand for quality healthcare, combined with a growing population of seniors, will require healthcare facilities to serve a host of healthcare needs. Lead by a seasoned team averaging 15 years in the industry, the CapitalSource Healthcare Real Estate group delivers flexible solutions to senior housing and skilled nursing facilities striving to meet their acquisition and growth objectives.

Healthcare real estate is a niche market within the larger real estate market. Healthcare real estate or "Medical real estate" describes buildings, offices, and campuses leased to members or organizations within the healthcare community, but owned and operated by third party groups. There is a rising trend among hospitals, health care systems, and medical practitioners to embrace third party ownership and management of real estate. By using third party developers, they can preserve their capital resources for acute care needs and focus their attention on helping people, while passing on responsibility of building regulation and maintenance minutiae.

Healthcare facilities have detailed technological and regulatory requirements. Even such building maintenance tasks as cleaning, heating and cooling are done differently in health care, with demanding sterilization and filtration needs. In addition to outsourcing building and management tasks, it's becoming increasingly attractive for hospitals to leave building ownership itself to someone else. The concept fits well with the current development trend pairing not-for-profit hospitals with for-profit physician groups as partners in new specialty facilities, such as The Heart Center of Indiana. Illinois, Texas, California and Florida accounted for a third of healthcare construction starts in 2007, though the practice of third party ownership is also rising among all metropolitan areas where space is at a premium.

Related Post :

-----------------------------------------------

Commercial Real Estate, Economic uncertainty and a hesitant market present multiple challenges in the commercial real estate sector....

Healthcare Real Estate, The demand for quality healthcare, combined with a growing population of seniors, will require healthcare...


Resort Finance, Economic factors such as fluctuating fuel costs paired with a decline in travel can present tough challenges to businesses in the ...

Health care system, A health care system is the organization of people, institutions, and resources to deliver health care services to meet the health needs of target populations

Commercial Real Estate

Economic uncertainty and a hesitant market present multiple challenges in the commercial real estate sector. The CapitalSource Commercial Real Estate group specializes in providing financing to owners of commercial properties. We leverage our expertise in this sector, and with a strong balance sheet and in-house servicing, provide capital to our clients—even during the most challenging economic times.

The prospects for commercial real estate financing, the core business at Eurohypo, are positive, however. The loan portfolio will decline through proactive measures to improve portfolio quality and a focus on high-margin roll-overs. The Bank will continue to be very selective in new real estate business. Total new commitments and rollovers are likely to be on a roughly similar scale to last year. With loan loss provisions expected to be down in most markets and administrative costs at a low level, Eurohypo expects to make a pre-tax profit overall in Commercial Real Estate. The precondition is, however, that the debt crisis does not spill over to larger economies in the euro zone and the real estate markets continue to stabilise. Given the charges expected in Public Finance, though, the overall result for 2011 will be a loss.

Related Post:
Commercial Real Estate, Economic uncertainty and a hesitant market present multiple challenges in the commercial real estate sector....

Healthcare Real Estate, The demand for quality healthcare, combined with a growing population of seniors, will require healthcare...

Resort Finance, Economic factors such as fluctuating fuel costs paired with a decline in travel can present tough challenges to businesses in the ...

Real Estate Lending

Real estate is encompasses land along with improvements to the land, such as buildings, fences, wells and other site improvements that are fixed in location—immovable. Real estate is often considered synonymous with real property (sometimes called realty), in contrast with personal property (sometimes called chattels or personalty under chattel law or personal property law).
With the development of private property ownership, real estate has become a major area of business, commonly referred to as commercial real estate. Purchasing real estate requires a significant investment, and each parcel of land has unique characteristics, so the real estate industry has evolved into several distinct fields. Specialists are often called on to valuate real estate and facilitate transactions. Some kinds of real estate businesses include:

1. Commercial Real Estate
2. Healthcare Real Estate
3. Resort Finance

Specialty Insurance

Specialty Insurance

Learning Objectives After reading and understanding this article, perhaps you should be able to:
Employers Reinsurance Corporation
Employers Reinsurance Corporation, has been a leading provider of Global Risk
management and Financial Stability products for over a century. With 50 offices worldwide, the ERC companies rapidly respond to the needs of insurance companies, healthcare providers, self-insureds, and others. Whether the customer requires standard insurance products, alternative risk transfer techniques or financial market products, ERC provides costeffective, tailored solutions.

Financial Guaranty Insurance Company
Financial Guaranty Insurance Company and its affiliates offer state and local
governments and government agencies products and services to strengthen their finances and operations, including municipal bond insurance (FGIC), property and casualty insurance (Coregis), guaranteed municipal investment contracts (FGIC Capital Market Services; unaffiliated companies Trinity Funding Company, LLC and Trinity Plus Funding Company, LLC) and revenue management services for the recovery of accounts outstanding (FGIC Government Services Inc., Great Lakes Collection Bureau, Inc. and SCA Credit, Inc.)

GE Capital Mortgage Insurance
GE Capital Mortgage Insurance is a leading provider of private mortgage insurance, helping to expand the housing market by allowing borrowers to obtain low down-payment loans while minimizing risk for lenders and investors against mortgage default. In the US, Mortgage Insurance is aggressively pursuing nontraditional markets, such as portfolio lenders, with the aid of OmniScore, an in-house risk-management tool that will put home ownership within the reach of more creditworthy families. With operations in the US, Canada, the United Kingdom and Australia, Mortgage Insurance is transforming itself into the first truly global provider of integrated solutions for mortgage lenders.


Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

Equipment Management

Americom is a leading global provider of satellite communications services to a diverse array of commercial and government customers, including the broadcast and cable TV industries, broadcast radio, and users of business information and communications network services.
Americom operates 13 communications satellites and maintains a supporting network
of earth stations, telemetry, tracking, and control facilities. It is expanding its international reach to all of Europe via GE-1E, and to South America through its investment in NahuelSAt. When GE-1A is launched in Asia next year, the Americom fleet will provide service to over 80% of the world’s population. In addition, its GE Capital Spacenet Services subsidiary offers a full range of one-way and two-way Very Small Aperture Terminal (VSAT) products and global networking services.
1. Aviation Services (GECAS) is the world’s largest aircraft leasing firm, with more than 900 planes and 160 customers in over 60 countries.
2. GE Capital Fleet Services is one of the leading corporate fleet management companies in North America, Japan, Europe and Australia, with approximately 940,000 cars and trucks under lease and service management.
3. Information Technology Solutions (ITS) is one of the world’s largest providers of PC-based products and services, a leadin IT products.
4. Modular Space leases, rents, finances and sells mobile and modular buildings for a wide range of applications including construction, education, healthcare, business and industry, government, and financial services.
5. Penske Truck Leasing has 110,000 vehicles and offers a comprehensive range of full-service leasing, contract maintenance, truck, tractor and trailer rentals, integrated logistics, and warehouse distribution center management through approximately 600 locations in the United States, Canada and Europe.
6. Railcar Services is a leading railcar leasing company in North America, with the most diverse fleet in the industry



Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

Structured Financial Group

Structured Financial Group, provides specialized financial products and services
to, and acts as an equity investor with clients in the commercial and industrial, energy, communications, and transportation sectors, worldwide. SFG combines industry and technical expertise with significant financial capabilities to address clients’ needs across the capital spectrum. Its services include corporate and acquisition finance, project finance (construction and term), and advisory services. Its products involve a broad range of debt and equity instruments, and it has a particular expertise in structured finance and tax-advantaged transactions including leasing and partnership investments. In the past five years, SFG has structured and financed approximately 200 transactions with an aggregate value in excess of $7 billion, and
has more than $10 billion in assets. Based in Stamford, CT, SFG has some 350 professionals in 15 offices globally.

Source :
http://www.gelending.com/Clg/Resources/PDF/guide/asset_guide.pdf



Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

GE Capital Real Estate

GE Capital Real Estate provides financing and customer services for most general purpose commercial real estate properties. Financing and investment activities for single assets or portfolios include loans, recapitalizations, equity, and selective purchases of loans or properties. Services include asset management, loan servicing, and pension advisory. Transaction size is $1 million to $500 million.

Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

European Equipment Finance

European Equipment Finance, is one of Europe’s leading diversified equipment leasing businesses, offering financial solutions on a single-country or pan-European basis. EEF covers Europe extensively, including the UK, France, Germany, Italy, Benelux, Ireland, Central Europe, and the Nordic countries. With over 1,400 employees and $5 billion in served assets, EEF’s financial strength and customer-focused service initiatives create the tailored sales financing and leasing alliance programs manufacturers, distributors, dealers and end users need. EEF’s experienced sales team has diverse market knowledge including, but not limited to, industrial, transportation, information technology, office equipment, agriculture, and telecommunications.



Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

Equity Capital Group

Equity Capital Group is one of the leading providers of private equity on a global basis. ECG provides growth capital, replacement or secondary capital, buy outs and buy ins of companies seeking to benefit from the strategic resources and experience of the General Electric Company. It typically takes minority stakes in established private companies, with selected investment in publicly traded companies. The Group invests approximately $5 million to $50 million with innovative and flexible deal structures including convertible debt, redeemable preferred, convertible preferred and common stock. The Group’s portfolio is diversified, with investments in the healthcare, insurance, retail, consumer products, transportation and logistics, financial services, media and entertainment, telecommunications, information technology, and industrial products sectors.



Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

GE Capital Commercial Finance

GE Capital Commercial Finance, is a leading global provider of innovative financing solutions primarily for leveraged companies. Services include lines of credit, factoring, asset securitization, trade finance, plan of reorganizations, acquisition financing, term debt, preferred and common equity. Our expertise in developing a customized business financing plan can help you maximize the value of your assets and allow you to operate your company with the flexibility you need. GE Capital, with over $300 billion in assets, is one of America’s AAA rated diversified financial institutions.

With regional offices in over 30 cities worldwide and a network of over 500 finance professionals, Commercial Finance delivers the innovative financing solutions clients need to manage and grow a business. CF’s expertise is in developing customized and flexible credit facilities for our customers. CF delivers its services through customer focused (business) segments: The Middle Market Group offers our broad range of credit solutions directly to companies with
revenues of $50 million to over $200 million in the United States, Canada, Australia, and Mexico.
For smaller enterprises in the United States, CF provides asset-based and receivables management solutions through First Factors, Business Credit and Commercial Funding. CF also has industry-focused groups serving healthcare, retail, and communication companies. In Europe, GE Capital Finance is a provider of receivables financing and asset-based credit facilities. The
Merchant Banking Group delivers financing solutions to buyout and private equity firms, and may also invest directly or co-invest alongside equity sponsor groups.
Commercial Finance is uniquely structured to offer fast, innovative solutions to customers’ needs. Because GE Capital is not a bank, CF is not bound by capital adequacy requirements and strict banking regulations. Our professionals approach business as business people, not as bankers, allowing them to take a broader view of risk assessment and asset valuation.
Commercial Finance originators and underwriters work together in the field as a team
to streamline the underwriting process, enabling them to adapt more quickly to shifting corporate borrowing needs. This team approach empowers originators and underwriters to make rapid decisions to meet client demands and take full advantage of business opportunities.



Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

Features of asset-based loans

An asset based business line of credit is usually designed for the same purpose as a normal business line of credit - to allow the company to bridge itself between the timing of cashflows of payments it receives and expenses. The primary timing issue involves what are known as accounts receivables - the delay between selling something to a customer and receiving payment for it. A non asset based line of credit will have a credit limit set on account opening by the accounts receivables size, to ensure that it is used for the correct purpose. An asset based line of credit however, will generally have a revolving credit limit that fluctuates based on the actual accounts receivables balances that the company has on an ongoing basis. This requires the lender to monitor and audit the company to evaluate the accounts receivables size, but also allows for larger limit lines of credits, and can allow companies to borrow that normally would not be able to. Generally, terms stipulating seizure of collateral in the event of default allow the lender to profitably collect the money owed to the company should the company default on its obligations to the lender.



Leveraged Finance
Leveraged Finance Defined
Healthcare Finance
Asset-Based Lending

• Features of Asset-based loans
• GE Capital Commercial Finance
• Equity Capital Group (ECG)
• European Equipment Finance (EEF)
• GE Capital Real Estate
• Structured Financial Group (SFG)
• Equipment Managemen
• Specialty Insurance

Factoring of receivables, is a subset of asset-based lending and is often used in conjunction with a standard ABL facility which uses inventory or other assets as collateral. The lender mitigates its risk by controlling who the company does business with to make sure that the company's customers can actually pay.

Lines of credits to even riskier companies may require that the company deposit all of its funds into a "blocked" account. The lender then approves any withdrawals from that account by the company and controls when the company pays down the line of credit balance.

Still another subset of a collateralized loan is a Pledging of Receivables and an Assignment of Receivables as Collateral for the Debt. In many instances, Receivables are transferred to the lender when they are Pledged as Collateral. When the Receivables are Pledged as Collateral, or Assigned with the condition that the Lender "has Recourse" in the event the Receivables are uncollectible, the Receivables continue to be reported as the borrower's asset on the borrower's Balance Sheet and only a Footnote is required to indicate these Receivables are used as Collateral for debt. The debt is reported as a Liability on the borrower's Balance Sheet and as an Asset (a Receivable) on the Lender’s Balance Sheet. In some situations, the lender can actually Repledge or Sell the Collateral the borrower used to secure the loan from the lender. In this instance, the borrower continues to recognize the Receivables as an asset on the borrower's Balance Sheet, and the lender only records the Liability associated with the obligation to return the asset.



Source :
http://en.wikipedia.org/wiki/Asset-based_lending