If you have questions, we will provideanswers as best we can.

It’s understandable that, in a serious financial transaction such as this, there are bound to be questions that arise, especially if this is a new experience for you as a potential borrower.

Having gone through the process with a number of repeat and new clients, there are some questions that consistently get asked. We’ve put together some of the most-often asked questions and provided the answers below.

Obviously if other questions arise as we move through this process together, we will gladly provide answers as they surface.

Inquire about financing.

Are you the lender or a broker/intermediary?

Our group is the lender/investor. One of the companies within our group will be your lender or will invest in your project/opportunity. We are not a broker or intermediary.

What is the name and particulars of the lending company?

This will be clearly outlined in the Term Sheet and Funding Agreement, should we reach that stage. Location of the entity seeking capital is a determining factor.

How long does the process take for me to receive the proceeds?

Typically, 60 days. However, should that 60-day period overlap all or part of a planned vacation, we will state that in the Term Sheet and adjust the timeline accordingly.

What if I require a Non-Disclosure Agreement?

All of the loans/investments we have made are to corporations that are private or privately held, non-bankable, and with whom we have entered into an NDA. We respect their privacy and will not ask them for permission to break the NDA.

May I ask you for references of those who have successfully completed the process?

All of the loans/investments we have made are to corporations that are private or privately held, non-bankable, and with whom we have entered into an NDA. We respect their privacy and will not ask them for permission to break the NDA.

Can the bank facility fee be held in escrow and paid at closing?

No. Please refer to our method and procedures. Nothing starts until the dollars have been paid by you, received and confirmed by us and transmitted to our investment bank. This is non-negotiable.

Can the bank facility fee simply be charged at the back-end, out of proceeds?

No. Please refer to our method and procedures. As stated previously, nothing starts until the dollars have been paid by you, received and confirmed by us and transmitted to our investment bank. This is non-negotiable.

Traditional lenders don’t charge a bank facility fee. Why do you?

First, please refer to our Funding Process previously outlined. Second, it is not our fee, it is charge by the investment bank. Hard costs are incurred and need to be paid. Also, we are not a traditional lender. We are a private investor, using our own capital, and taking risks on non-bankable projects. This also enables us to hedge.

Are there any circumstances in which you pay the bank facility fee?

Yes, for our own opportunities where we own 100% of the project. Or, if we were to take 100% ownership of your project. In this scenario, we would become the principal borrower and recipient of the capital so the bank facility fee would become our responsibility.

How is our bank facility fee protected in case the loan does not close as planned?

First, our structure is covered by the relationships we have with our investment banks, so if our structure cannot perform, the banks involved are required to reimburse the bank facility fee to us, and then us to you. However, should this scenario take place, we include a Promissory Note in our Funding Agreement, which states that our group will reimburse you in full, plus 1% interest, without question, and we will collect from our bankers, not you.

May I come to meet you first before proceeding with the loan transaction?

Yes, absolutely. We can set a date once we have signed and executed a Term Sheet. We will then let you know where Wes will be on that date, you fly in, meet, over cigars and drinks, and a breakfast/lunch/dinner, depending on your arrival and departure times. You will have Wes’ undivided attention, and he expects yours (no phone/computer).

Why do I have to pay the bank facility fee? Why don’t you (the lender) do it?

The bank facility fee is part of your “skin in the game” moving forward from the day we sign the Funding Agreement. It is a hard cost required to unlock our liquidity. If this is for your benefit, you pay the cost. If we were to pay the bank facility fee for the benefit of others, we would have a million unqualified borrowers lined up outside of the door.

If I require a 3rd party to provide the bank facility fee, will you speak with them and/or give them comfort?

No. That is your job. Any business that you and the 3rd party are involved with does not include our group. We are prepared to do business with you, not them.

Will you lend to any project or opportunity?

As long as the opportunity is real (and not simply a dream), well thought out and planned, we are able to hedge our risk, and the project owner is prepared to transfer the bank facility fee, it is highly likely that we will proceed on a project.

What type of security is required as collateral?

That depends on the type of financing we agree will work best to satisfy your need.

What if I simply can’t get comfortable with paying the bank facility fee to start the process?

That’s fine. We wish you the best of success in obtaining your required capital. We would ask that you just consider the following: If we are comfortable trusting you to be a good steward of our capital, then we would hope that you are comfortable reciprocating that trust.

I’ve seen online issues regarding a “Wes Robinson”. Would you please explain?

As a point of full disclosure, there are some online items that deal with a “Wes Robinson” and, unfortunately, Wes has been mistaken for this person or persons with the same name. People have assumed that his wife is Mary Ann (it is Lynn). An anonymous cyber smear is often assumed to be against Wes. He has been accused of being a life insurance agent in Georgia, a Financial Advisor in Halifax, a disbarred lawyer in Kentucky, an actor in New York, a doctor charged with malpractice, one who’s had a property foreclosed upon in Texas. Level heads usually prevail and these nuisances pass. OR, sometimes, people believe what they want to believe. In reality, Wes is a low-profile guy who has been successful over the years in building wealth to provide long-term security for his family.