At VERUM Group & Co, we are a dedicated Risk Management Consulting Firm passionate about empowering individuals and businesses to achieve their financial goals. Established in 2001, we specialize in providing tailored funding solutions for businesses, real estate, and personal financing needs.

 

Our mission is to serve underserved communities, offering access to capital that helps build thriving areas of growth and prosperity. We passionately believe that everyone deserves the opportunity to achieve their dreams, and we are committed to making that possible.

 

With our comprehensive range of funding products and expert guidance, we help clients navigate the complexities of funding institutions, ensuring a seamless and efficient process. Our streamlined Funding Process, consisting of Engagement & Eligibility, Approval & Commitment, Bonding & Funding, and Disbursement, is designed to fast-track your journey to success.

 

At VERUM Group & Co, we take pride in our unwavering dedication to our clients and their aspirations. Together, let's unlock your financial potential and create a brighter future.

 

At VERUM Group & Co, we're dedicated to helping individuals and businesses achieve their financial aspirations. As a risk management consulting firm, we offer custom financing solutions for various purposes, including debt, equity, JV, SPV, and financial instruments. We're not just a tier-I risk management company, but also a syndicated partner with top AAA Direct funders, giving us access to special finance private equity funds for debt service.

 

Our unbiased risk evaluations and support are designed to bridge gaps and help you overcome any obstacle on your journey to success. We provide tailored funding solutions for starting/expanding a business, investing in real estate, or securing emergency credit lines. Our mission is to promote equitable economic growth by providing accessible funding to individuals and businesses in opportunity zones worldwide.

 

At VERUM Group & Co, we uphold transparency, integrity, and excellence in everything we do. We're committed to providing our clients with the highest level of service and support, and we take pride in being a partner you can trust to help you achieve your financial goals. If you're looking for a reliable and professional team to help you achieve your financial aspirations, look no further than VERUM Group & Co.

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TAILORED SOLUTIONS: 
Our team of experienced financial professionals will collaborate closely with you to understand your unique requirements and design a FUNDING solution that aligns with your goals.

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COMPETITIVE INTEREST RATES: 
We offer highly competitive interest rates that are designed to be affordable and beneficial to your financial circumstances.

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FLEXIBLE FUNDING TERMS: 
We provide flexible FUNDING terms to accommodate your specific needs, enabling you to manage your finances effectively.

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FAST AND EFFICIENT PROCESS: 
We value your time. Our streamlined FUNDING application process ensures quick turnaround times, allowing you to access the funds you need without delay.

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EXPERT GUIDANCE: 
Our resolute team of finance experts is committed to providing personalized assistance throughout the FUNDING process, offering guidance and support to help you make informed decisions.

 

UNDERSTANDING YOUR FUNDING OPTIONS
At VERUM Group & Co, we are a dedicated Risk Management Consulting Firm passionate about empowering individuals and businesses to achieve their financial goals. Established in 2001, we specialize in providing tailored funding solutions for businesses, real estate, and personal financing needs.

Our mission is to serve underserved communities, offering access to capital that helps build thriving areas of growth and prosperity. We passionately believe that everyone deserves the opportunity to achieve their dreams, and we are committed to making that possible.

With our comprehensive range of funding products and expert guidance, we help clients navigate the complexities of funding institutions, ensuring a seamless and efficient process. Our streamlined Funding Process, consisting of Engagement & Eligibility, Approval & Commitment, Bonding & Funding, and Disbursement, is designed to fast-track your journey to success.

​

At VERUM Group & Co, we take pride in our unwavering dedication to our clients and their aspirations. Together, let's unlock your financial potential and create a brighter future.

​

At VERUM Group & Co, we're dedicated to helping individuals and businesses achieve their financial aspirations. As a risk management consulting firm, we offer custom financing solutions for various purposes, including debt, equity, JV, SPV, and financial instruments. We're not just a tier-I risk management company, but also a syndicated partner with top AAA Direct funders, giving us access to special finance private equity funds for debt service.

Our unbiased risk evaluations and support are designed to bridge gaps and help you overcome any obstacle on your journey to success. We provide tailored funding solutions for starting/expanding a business, investing in real estate, or securing emergency credit lines. Our mission is to promote equitable economic growth by providing accessible funding to individuals and businesses in opportunity zones worldwide.

At VERUM Group & Co, we uphold transparency, integrity, and excellence in everything we do. We're committed to providing our clients with the highest level of service and support, and we take pride in being a partner you can trust to help you achieve your financial goals. If you're looking for a reliable and professional team to help you achieve your financial aspirations, look no further than VERUM Group & Co.

Role of VERUM Group and VERUM FUNDING GROUP, LTD

In these funding transactions, VERUM Group acts as a Mandate for the Borrower, representing their interests, and facilitating communication between all involved parties. VERUM FUNDING GROUP, LTD provides funding options and plays a critical role in processing the FUNDING application and ultimately, disbursement of the funds.

No Prepayment Penalty Clause:

The funding options provided by SHEILD BDCIM/ CAPITAL MANAGEMENT LTD & VERUM FUNDING GROUP & CO do not impose any prepayment penalties. Borrowers are encouraged to settle their financial obligations ahead of the agreed-upon repayment schedule, should they choose to do so. This clause ensures that borrowers have the freedom to make early repayments without incurring any additional charges or penalties.

By availing themselves of our funding services, borrowers acknowledge and agree that they have the right to prepay their outstanding balance in full or in part, at any time during the loan term, without being subject to any prepayment penalties. This provision applies regardless of the chosen funding option, whether it be a loan, credit line, or any other form of financial arrangement.

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The absence of prepayment penalties offers borrowers the flexibility to manage their financial commitments efficiently and optimize their financial strategies. It allows them to reduce their overall interest costs, adjust their repayment schedules according to their changing financial circumstances, or even pay off their obligations in a shorter time frame.

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At SHIELD BDCIM/ CAPITAL LTD, we believe in fostering a transparent and fair lending environment. Our commitment to our customers includes providing them with financing options that empower their financial growth and well-being. By eliminating prepayment penalties, we aim to facilitate borrowers' financial success and ensure they have the freedom to manage their obligations in a manner that suits their individual needs and preferences.

Please note that while prepayment penalties are not applicable under this clause, borrowers are still required to fulfill all other terms and conditions outlined in the loan agreement or financing contract. This clause specifically addresses the absence of penalties associated with early repayments and should be read in conjunction with the complete terms and conditions governing the funding arrangement.

By accepting the funding offer, borrowers acknowledge that they have read, understood, and agreed to the terms and conditions, including the No Prepayment Penalty Clause, as set forth by VERUM Group & Co.

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SYNDICATED LENDING
Syndicated lending involves multiple lenders (the syndicate) providing funds to a single borrower. The main advantage of syndicated lending is that it allows the borrower to access larger amounts of capital than would be possible from a single lender. The risk of the FUNDING is also spread among the syndicate members, reducing the potential impact of a default on any single lender.

 

TRADE CREDIT INSURANCE

Trade Credit Insurance is a type of insurance that protects businesses from non-payment of commercial debt. It ensures invoices will be paid and allows companies to reliably manage the commercial and political risks of trade that could lead to non-payment.

To proceed with this exclusive FUNDING offer or discuss further details, please Sign this and the proceeding Documents Accordingly. Once completed our team will be delighted to guide you through the funding process and answer any questions you may have.
Thank you for considering VERUM Group as your financial partner. We look forward to the opportunity to serve you and assist you in achieving your financial objectives. Trust VERUM Group for exceptional financial solutions.
Yours sincerely,
 

OFFER ACCEPTANCE:
Upon careful evaluation of the provided assessment and proposed funding opportunities, the Client hereby accepts the offer presented by the Company to engage its services for the purposes detailed in the Scope of Work.

 

ENGAGEMENT:

The Company, acting as the Mandate/Broker/Representative for the Client, agrees to provide the following services:

 

RISK ASSESSMENT AND CAPACITY EVALUATION:

The Company will conduct a thorough risk assessment and evaluate the Client's capacity to ascertain the viability of securing funding.

 

FUNDING ACQUISITION EFFORTS:

Upon successful risk assessment, the Company will engage potential funding sources on behalf of the Client to identify and present suitable funding opportunities.

 

COMMITMENT & ENGAGEMENT:

In consideration of the services provided by the Company, the Client shall remit a Commitment & Engagement Fee of no more than 10% of their Funding Request amount. This Commitment Fee serves as confirmation of the Client's commitment and will be used to secure the Cost of Trade insurance premium.

 

COST OF TRADE INSURANCE PREMIUM:

The Client agrees to obtain a trade insurance total insured value of 1.5 Times (depending on the Risk Factor) the funding amount  policy with a premium of (TBD) in the amount of the funding amount. This insurance aims to mitigate risks associated with the funding process. The Client shall provide proof of insurance to the Company.

 

COMPENSATION:

The compensation for the Company's services is as detailed in the Scope of Work. The Client agrees to adhere to the payment schedule outlined therein. Origination fee is $200,000.00

 

CONFIDENTIALITY:

Both parties shall uphold the confidentiality obligations as outlined in the Non-Circumvention Non-Disclosure Agreement (NCNDA) attached hereto as Exhibit A.

 

TERMINATION:

Either party may terminate this Agreement by providing written notice to the other party, subject to the terms specified in the Scope of Work.

 

FORCE MAJEURE:

The Force Majeure provisions are detailed in the attached Force Majeure Agreement, forming an integral part of this Agreement.

 

HOLD HARMLESS:

The Client acknowledges and agrees to the Hold Harmless provisions as detailed in the attached Hold Harmless Clause, absolving the Company and its officers from certain liabilities.

 

DISBURSEMENT OF FUNDS:

The disbursement of funds will be executed upon successful funding acquisition, compliant with banking regulations. The process may take up to 21 days, subject to banking regulations and verification of funds' intended use

 

PRIVACY NOTICE:

Both parties acknowledge and agree to the Privacy Notice as detailed in the attached Privacy Notice, governing the collection, use, and protection of personal information.

 

SYNDICATED FUNDING AND FOREIGN FUNDS:

The Company may facilitate syndicated funding opportunities involving foreign funds in accordance with applicable regulations.

 

ARBITRATION CLAUSE:

Any disputes arising out of or related to this Agreement shall be resolved through arbitration as outlined in the attached Arbitration Clause.