HOW OUR FINANCIERS WILL FINANCE YOUR PROJECT

The Standard Terms & Conditions of the Financing

1. The Financing Instrument: A Direct Loan

While there are many ways to structure project capital, our financiers operate with clarity and simplicity. The capital is provided exclusively as a direct loan to your project's legal entity (the Developer/Owner). This means you retain full ownership of your project—the financier is your funding partner, not your equity holder.

Last Updated: June. 2026

2. Currency & Amount

3. Repayment Timeline

5. The Security Arrangement (Protecting All Parties)

Why Our Financiers Chose This Model

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Welcome to Yamin Office. Our office has been created by several independent financiers who have retained it to provide streamlined, secretarial, and administrative support for your project funding.

To ensure speed, transparency, and fairness for all parties, our financiers have agreed on a single, standardized set of financing terms. Below is a clear breakdown of how we operate.

• Currency: All transactions are conducted in Euros (€).

• Minimum Loan: €30,000,000 (Thirty Million Euros). 

• Flexible Drawdown: You are not required to take the full amount at once. The loan can be disbursed in installments, with a minimum of €15,000,000 per drawdown, allowing you to manage your cash flow efficiently.

Our financiers believe in giving your project room to grow. The standard loan term is 5 years, with a built-in option to extend for an additional 5 or even 10years if your project requires a longer horizon to reach full maturity.

4. Interest Rates (Fair & Transparent)

The interest structure is designed to be fair and reflective of the current market, not punitive.

- The interest rate is calculated per annum (p.a.).

- It is composed of the 12-month EURIBOR (the benchmark market rate) plus a margin.

- The Margin: This is the only variable part of the equation. It is determined based on the specific strengths of your project (its viability) and the financial health of your company (creditworthiness).

- Review Period: The rate is fixed for 12-month periods, giving you long-term predictability for your financial planning.

To protect the financier's capital (and thus ensure they can continue lending), efficient security mechanism has to be implemented. However, it is streamlined to avoid complex asset pledges.

Standard Requirement:

Financier requires an unconditional, irrevocable, and continuing loan repayment and interest payment guarantee issued by a third-party guarantor with a strong financial standing and a solid reputation.

How it Works:

- The guarantee: The guarantor formally promises to repay the principal and interest immediately if the borrower (you) cannot meet the obligations.

- The collateral (The "Security Pool" or "Pledged Asset"): To back this guarantee, the guarantor must set aside 100% of the guarantee amount in liquid assets (cash or cash-equivalents). These assets are held in a trust strictly in favor of the lender until the loan is fully repaid.

- Why this benefits YOU: Because the guarantor provides liquid (cash) security, the approval process is significantly faster than traditional real-estate or machinery collateral, which requires lengthy appraisals.

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We understand that the world of project financing can feel daunting. That is precisely why Yamin Office exists — to handle the complex secretarial and administrative processes so that you can focus on delivering your project.

If these standard terms align with your vision, we invite you to reach out. Our team will guide you through the next steps, introduce you to the specific criteria for the margin calculation, and help you prepare the necessary documentation for your Guarantor.

Important Remarks on Preliminary and Ancillary Costs in the Loan Procurement Process

It is an established principle of our financing framework that all parties act in a transparent and mutually respectful manner.  Accordingly, we deem it essential to clarify the allocation of costs incidental to the evaluation, structuring, and eventual disbursement of the proposed loan facility.

Neither the financier nor our intermediary office shall levy, under any circumstances, any form of commission, processing fee, or administrative charge upon the applicant — whether prior to the execution of the loan agreement or after the disbursement of funds.

Our compensation, if any, is strictly a matter between us and the lending entities and does not affect the borrower’s financial obligations under the facility.

That said, the applicant should be fully aware that a successful loan application is not a cost-free exercise. The lender’s approval is contingent upon the submission of professionally prepared project documentation — including, but not limited to, feasibility studies, financial models, technical designs, and legal due diligence materials. The procurement of such documentation is the sole responsibility of the applicant and may entail external professional fees.

Furthermore, the lender will require robust and enforceable security arrangements. Securing an acceptable guarantee, whether through a bank, an insurance company, or a corporate guarantor, involves its own commercial costs, which are to be borne by the borrower. These are not charges imposed by the financier, but rather standard market costs associated with establishing credible credit enhancement.

We wish to emphasize that these requirements are not barriers, but rather essential building blocks of a sound financing structure. They demonstrate the project’s viability and the developer’s commitment, thereby increasing the likelihood of a favorable lending decision.

We encourage the project developer to view these preparatory expenditures not as burdens, but as strategic investments in the project’s own bankability. Our team remains available to provide guidance on the scope and standards of the required documentation and security, ensuring that your efforts are focused, efficient, and aligned with the lender’s expectations.

We look forward to a constructive and mutually beneficial cooperation.

These terms have been designed to create a "win-win" situation:

1. Speed: Standardized terms mean we do not waste time renegotiating basic legal clauses. We can move from application to disbursement faster.

2. Clarity: You know exactly what is expected from day one—no hidden fees, no changing goalposts.

3. Security: The requirement for liquid collateral means our financiers are confident in their investment, which allows them to offer competitive margins and long-term stability.