Frequently asked Questions

Please read all the information given here carefully as it should answer any questions you may have about our project finance service including questions concerning project eligibility and application procedures.



What are your loan interest rates?
Interest rates are determined by perceived degree of risk, market conditions, and lender sentiment and other factors prevailing at the time of the loan agreement, therefore loan interest rates can only be determined shortly before the loan agreement is closed.

What is your loan repayment period / financing term?
The loan repayment period is determined by a number of factors including project scale, projected return on investment and other economic indicators. The loan repayment period therefore can only be determined after we have performed a comprehensive project analysis. However, we offer flexible terms from as short as 3 months to as long as 20 years depending on the type of project, location, loan amount and risk factors etc.

How much financing can I apply for?
C & M Finance Company Limited typically offers Business Loans based on what the client require. However, the minimum loan amount is 3 million US Dollars.

Do you finance projects valued at less than $1,000,000?
No. Our lower threshold to consider a project for financing is $3,000,000.

What can I use the funds for?

You may use the funds for any legitimate business purpose. For example, funds may be used for project funding, business expansion, bidding, purchase of equipment, machinery or inventory, research and development, or paying your suppliers, or acquisition of assets, properties, startups or business development or whatever viable business you have.

How quickly can I receive the cash?

This depends on the requested loan amount, loan repayment duration, project type and location etc. However, you can receive funds in as fast as few days or few weeks but how fast you can receive funding depends on your project type, loan amount and location. After reviewing your documents we will give you time frame.

Is there any penalty fee if I complete the Business Loan repayment early?
No, you will not incur any penalties for early completion. There is no early repayment penalty.

Do I need collateral as a security?

You need to contact us first, because you may need collateral usually defined as the client’s asset to secure a Business Loan facility. Collateral can be in the form of A credit security bond which serves as collateral for repaying a loan; or bank instrument such as SBLC; BG; PG, Bonds; etc. In most cases we can provide both the collateral and funding. Send us an email inquiry today to know how we can help you with your funding needs. Kindly remember that we have solution for every situation.


What happens if I do not wish to accept any of your loan proposals? There is no obligation whatever on you to accept any of the loan proposals. You have the absolute right to accept or reject any of the proposals.



What types of business or projects are you interested in financing and developing?
We provide funding for all viable or profitable projects or businesses worldwide. These can be construction projects, energy projects, real estate development, condo, hotels, resorts, restaurants, business expansion, start-ups, acquisitions, commodity trading, agricultural projects, transport, manufacturing, mining, import and export etc. The type of business or project does not really matter, as long as the business or project is profitable and viable we will provide you with the needed funding.  Always remember that we have solution for every situation.

What factors do your analysts consider when evaluating a project for financing?
Political and economic stability of the country in which the project is to be based, likely return on investment, market saturation, geographical location, site accessibility and many other factors.


Which countries do you operate in?
We do not care about race, skin color, religion or nationality. We treat all customers with love, courtesy and respect so all countries/nationalities are welcomed.


Which countries do you not operate in?
Because of bad economic policies and political uncertainty, we can no longer provide funding for projects located in North Korea, Afghanistan, Yemen, Libya and Palestine.



What do I need to understand about your project finance application procedure?
Due to the very high volume of applications we receive, it is absolutely essential that we operate very efficient application procedures. Our systems are designed to present our analysts with the information they need when they need it. All applicants are required to adhere to these procedures.

Would you please give a step-by-step description of your project finance application procedure?
Yes. Please thoroughly familiarize yourself with our project finance application procedure which is as follows:

  • First, you complete our initial/brief loan application form.

  • We respond by email, usually within one or two working days, saying whether we are potentially interested in your project or not.

  • If we are interested in your project we will email you with a project finance application form which you must complete and return with your supporting documents.

  • We email you to say that we have received the application form and that it has been passed to our analysts who then evaluate the information you have provided.

  • Our analysts make a recommendation to our executives who decide whether or not we should take your project further and we email you accordingly.

  • If we wish to take your project further we will offer you our lending package with loan terms and conditions, if we need additional support documents we also tell you

  • You either accept or decline our lending package. If you refuse our lending terms & conditions we close the application and delete your files from our system.

  • If you accept the loan terms/package, then we proceed to sign the loan contract agreement, then funding begins. The whole process, from stage one to final stage of loan transfer can take between few days to few weeks depending on your requested loan amount, loan duration, project location and viability of your project. Like I explained above, it is only after we review your loan application that we can tell you how long the whole process will take.

What are the most common reasons for your rejecting a project at this stage?
The most common reasons for our rejecting a project at this stage are: the project is valued at less than $1,000,000; the project is located in a region in which we are currently not operating or the project is neither viable nor profitable.



What is a ‘Bank Guarantee: A bank guarantee is a guarantee from a lending institution ensuring the liabilities of a debtor will be met. In other words, if the debtor fails to settle a debt, the bank covers it. A bank guarantee enables the customer, or debtor, to acquire goods, buy equipment or draw down loans, and thereby expand business activity.

BREAKING DOWN ‘Bank Guarantee’: A bank guarantee is a lending institution’s promise to cover a loss if a borrower defaults on a loan. The guarantee lets a company buy what it otherwise could not, helping business growth and promoting entrepreneurial activity. For example, Company A is a new restaurant wanting to buy $3 million in kitchen equipment. The equipment vendor requires Company A to provide a bank guarantee to cover payments before shipping the equipment. Company a requests a guarantee from the lending institution keeping its cash accounts. The bank essentially cosigns the purchase contract with the vendor.

Examples of Bank Guarantees

*A bid bond prevents companies from tendering bids and not accepting or executing the awarded contract.

*A performance bond serves as collateral for the buyer’s costs incurred if services or goods are not provided as agreed in the contract.

*An advance payment guarantees acts as collateral for reimbursing advance payment from the buyer if the seller does not supply the specified goods per the contract.

*A warranty bond serves as collateral ensuring ordered goods are delivered as agreed.

*A payment guarantee assures a seller the purchase price is paid on a set date.

*A credit security bond serves as collateral for repaying a loan.

*A rental guarantee serves as collateral for rental agreement payments.

*A confirmed payment order is an irrevocable obligation where the bank pays the beneficiary a set amount on a given date on the client’s behalf Leased Bank Guarantee. A bank guarantee that is leased to a third party for a specific fee. The issuing bank will conduct due diligence on the creditworthiness of the customer looking to secure a bank guarantee, then lease a guarantee to that customer for a set amount of money and over a set period of time, typically less than two years. The issuing bank will send the guarantee to the borrower’s main bank, and the issuing bank then becomes a backer for debts incurred by the borrower, up to the guaranteed amount.


What’s the difference between a bank guarantee and a letter of credit?

A bank guarantee and a letter of credit are similar in many ways but they’re two different things. Letters of credit ensure that a transaction proceeds as planned, while bank guarantees reduce the loss if the transaction doesn’t go as planned. A letter of credit is an obligation taken on by a bank to make a payment once certain criteria are met. Once these terms are completed and confirmed, the bank will transfer the funds. This ensures the payment will be made as long as the services are performed.

A bank guarantee, like a line of credit, guarantees a sum of money to a beneficiary. Unlike a line of credit, the sum is only paid if the opposing party does not fulfill the stipulated obligations under the contract. This can be used to essentially insure a buyer or seller from loss or damage due to nonperformance by the other party in a contract.

For example a letter of credit could be used in the delivery of goods or the completion of a service. The seller may request that the buyer obtain a letter of credit before the transaction occurs. The buyer would purchase this letter of credit from a bank and forward it to the seller’s bank. This letter would substitute the bank’s credit for that of its client, ensuring correct and timely payment.

A bank guarantee might be used when a buyer obtains goods from a seller then runs into cash flow difficulties and can’t pay the seller. The bank guarantee would pay an agreed-upon sum to the seller. Similarly, if the supplier was unable to provide the goods, the bank would then pay the purchaser the agreed-upon sum. Essentially, the bank guarantee acts as a safety measure for the opposing party in the transaction.

These financial instruments are often used in trade financing when suppliers, or vendors, are purchasing and selling goods to and from overseas customers with whom they don’t have established business relationships. The instruments are designed to reduce the risk taken by each party.



What criteria must my project meet to be offered a site visit?
We offer a site visit only if, on the basis of the information you have provided, we believe your project is potentially viable, financeable and profitable. Site visit is not for everyone. Site visit is mainly for construction projects and it is only after we review your application we will know whether a site visit is required for your case or not.

What is the purpose of the site visit?
The site visit enables one of our senior executives:

  • To view the site and its environment and meet you, your business partners, managers and other project stakeholders as the case may be.

  • To review the project plans, studies, documents, drawings, tests and surveys and confirm the accuracy of the information you have submitted to us.

  • To form a view on how best to progress the project and consider future procedures, timings, requirements and development costs.

How long does the site visit take?
The length of a site visit depends on the scale and nature of the project but a typical site visit takes about two days.

What do I need to do to prepare my project for financing?
Usually, you must acquire the land and the project must be supported by the relevant government permits and project documentation. MOST IMPORTANTLY; not all projects require a site visit. Kindly contact us today to know whether your project requires a site visit or not.





Can you provide references from former clients?
Yes. After we confirm that you are serious and your project is viable and you have accepted our lending terms, an information pack which includes references will be sent to you.

Can you provide me with a letter of intent?
Yes. After we review your business plan and project documents, we decide to proceed with your project we are happy to provide you with a letter of intent.



What is the difference between a broker and a representative?
A broker introduces project finance applicants to us but does not represent us. A representative introduces project finance applicants to us and also represents us.

I am a broker; do you pay commission to brokers for introducing projects to you?
Yes. We pay good commission to brokers for introducing serious customers to us.

How much commission do you pay to brokers for introducing projects to you?
The amount of commission we pay to brokers is determined on a project-by-project basis and is subject to written agreement. Generally, for loan transactions we pay 1% commission to brokers but in BG, SBLC and Letters of credit transactions we pay 2% brokers commission.

I would like to be your exclusive broker for a particular country or region. Would you agree to this? Yes. We offer brokers exclusive regional rights, but we must review your resume first to know whether you qualify to be an EXCLUSIVE BROKER or not.



Are you looking for representatives in particular territories?
Yes. We are interested in discussing representation in various territories. However, as our good name is involved, we are highly selective in who we appoint as our representatives.

I would like to be considered as a representative, how do I proceed?
Please follow the standard procedure by sending us an email inquiry, indicating that you wish to be a representative. Also, please email a copy of your resume to 

Who should I speak to if I have any more questions?

Kindly email us VIA the contact form on the website and our team will be happy to answer your questions.

Contact Us


Star Lane House, Star Lane, Stamford, Lincolnshire



© 2018 C & M Finance Company Limited

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