Our Services
Medium Term Note
A medium term note (MTN) is a note that usually matures in five to 10 years. A corporate MTN can be continuously offered by a company to investors through a dealer with investors being able to choose from differing maturities, ranging from nine months to 30 years, though most MTNs range in maturity from one to 10 years.
By knowing that a note is medium term, investors have an idea of what its maturity will be when they compare its price to that of other fixed-income securities. All else being equal, the coupon rate on an MTN will be higher than those achieved on short-term notes. For corporate MTNs, this type of debt program is used by a company so it can have constant cash flows coming in from its debt issuance; it allows a company to tailor its debt issuance to meet its financing needs. Medium-term notes allow a company to register with the Securities and Exchange Commission (SEC) only once, instead of every time for differing maturities.
MTN offer investors an option between traditionally short-term and long-term investments. This can be ideal for situations where the investor’s goals fall into a time frame beyond those offered by certain municipal bonds or short-term bank notes without having to commit to the long-term note options. Businesses can benefit from MTNs based on their ability to provide a consistent cash flow from investors. Additionally, businesses can choose to offer MTNs with or without call options.
While the rates associated with call options are often higher, the business maintains the right to retire, or call, the bond within a specified period of time before the bond reaches maturity. This allows business to take advantage of lower rates, should they occur before a bond series has reached maturity, by calling in the bond issue and then issuing new bonds at the lower rate. Non-callable options do not have the same level of risk regarding the duration of the investment, which leads them to be offered at lower rates.
Bank Guarantee (BG)
A bank guarantee is a promise from a bank or other lending institution that if a particular borrower defaults on a loan, the bank will cover the loss. Note that a bank guarantee is not the same as a letter of credit.
We have several platforms direct to the issuing banks through which we arrange and cause the issuance of bank instruments for our clientele. We pride ourselves with a wide range of professional hard working staffs who ensure clients demand are met in a timely manner. Also we ensure that clients’ requirements are met according to specification.
MONETIZATION
Viney Consults Monetization Services are ideal for clients looking to Discount, Monetize, or create an immediate Non Recourse loan against an Owned bank instrument that they control.
The monetization process for an Owned bank instrument issues Non Recourse funds to the Client shortly after bank instrument(BG,SBLC,MTN,FUNDS) is delivered to the Monetizer.
Monetizing bank instruments is the process of liquidating such instruments by converting them into legal tender. We can monetize or lend on just about any bank instrument to be used for project funding, move them into various trading platforms quickly and easily, as well as creatively incorporating them into financing certain development projects.
BANK DRAFT
A bank draft is a payment instrument that is issued by the bank at the request of the payer. The drawer is the bank writing out the bank draft, the drawee is the bank’s customer who is requesting the draft to make a payment and the payee is the party that receives payment. A bank draft does not require a signature and, therefore, maybe open to fraud. Certified bank drafts, on the other hand, are bank drafts that are signed and certified by a bank official which makes the draft more secure.
A bank draft guarantees payment as the bank ensures that sufficient funds are held in the drawee’s account to make the required payment before the bank draft is issued.
LOAN
Loans can also be described as revolving or term. Revolving refers to a loan that can be spent, repaid and spent again, while term refers to a loan paid off in equal monthly installments over a set period called a term. A credit card is an unsecured, revolving loan, while a home equity line of credit is a secured, revolving loan. In contrast, a car loan is a secured, term loan, and a signature loan is an unsecured, term loan.
A loan is the act of giving money, property or other material goods to another party in exchange for future repayment of the principal amount along with interest or other finance charges. A loan may be for a specific, one-time amount or can be available as an open-ended line of credit up to a specified limit or ceiling amount.
Loans can come from individuals, corporations, financial institutions, and governments. They offer a way to grow the overall money supply in an economy as well as open up competition and expand business operations. The interest and fees from loans are a primary source of revenue for many financial institutions such as banks, as well as some retailers through the use of credi.
Loans can be secured or unsecured. Mortgages and car loans are secured loans, as they are both backed or secured by collateral..
STANDBY LETTER OF CREDIT
A standby letter of credit (SBLC) is a guarantee of payment issued by a bank on behalf of a client that is used as “payment of last resort” should the client fail to fulfill a contractual commitment with a third party. Standby letters of credit are created as a sign of good faith in business transactions and are proof of a buyer’s credit quality and repayment abilities. The bank issuing the SBLC performs brief underwriting duties to ensure the credit quality of the party seeking the letter of credit, then sends notification to the bank of the party requesting the letter of credit (typically a seller or creditor).
A standby letter of credit shows a company’s credit quality and ability to repay loans. Although a SBLC is not intended for use, it helps fulfill business obligations in case the business stops operations, cannot pay its vendors or becomes insolvent.
PROJECT FUNDING
Viney Consults provide project finance/funding for our clients through the lease and monetization of cash/asset backed Bank Guarantee, Standby Letter of Credit, Medium Term Notes and other structured debt instruments. Our funding program is structured in such a way that the lease fee of the collateral Bank Instrument leased is covered upon drawdown by our funding party.
We also facilitate project funding by presenting clients with innovative financial investment programmes.
We provide access to funding partners in the Alternative Capital Market that provide capital for a variety of ventures. Our partners recognize the need for finance structuring that provides flexibility while also mitigating risk via full collateralization of debt and/or equity across distinct asset classes.
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JASON S. HAN
Would say their customer support is so perfect if not 100% perfect. They are always available and within reach.