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 Recommended guarantee amounts for issuing the financial instrument

Minimum of 120 million ILS and up to billions of shekels, dollars, or euros.

For clarification - The financing will come from an Israeli/international bank that will receive a gold-backed guarantee in exchange for the financing. This guarantee will be issued by a long-standing American trust fund specifically to the bank that the client chooses to work with, provided that the bank has given preliminary approval to grant the loan(s) against the provided financial instrument.

Name of the financial instrument to be issued - MT543

This instrument is a type of SWIFT message used for Delivery Versus Payment (DVP) instructions. It is a message sent by an account holder to an account service provider to instruct the delivery of financial instruments (securities) against payment/as collateral for an activity.

The financial instrument

It is a guarantee from an American trust fund backed by gold (the best guarantee any bank can ask for) for any amount ranging from hundreds of millions to billions of shekels/dollars/euros.

Main Purpose of the issued financial instrument 

To provide a guarantee in the form of gold-backed securities (via book entry) in exchange for financing project development/project advances/large-scale acquisitions.

Parties involved

The American Trust Fund will approve the issuance, and from there, the instrument will be issued to the Israeli/international bank that has agreed to provide financing to the client against the aforementioned guarantee. 

The bank will finance projects up to the value of the guarantee specified in the financial instrument issued for the client requesting during the the entire requested guarantee period.

Important points:

• The instrument cannot be offered to American companies or companies with American ties.
• For public companies - it can be listed in the books on the stock exchange + it can be listed on other exchanges such as London and others.
• The guarantees can be for 5-20 years (in the real estate world, especially, it is recommended for at least 8-12 years to be able to maximize the benefit of the money and use the financial instrument for several project cycles).

The process of issuing the financial instrument usually includes (may also contain intermediate stages and additional conditions):

• Preliminary stage - First meeting to receive and review the client's paperwork + additional requests if any.
• Obtaining preliminary approval from the financing bank that it is willing to finance in exchange for the gold-backed guarantee from the trust fund.
• After receiving preliminary approval from the selected bank - registering the client's company with the relevant authority in the US.
• Performing Due Diligence (DD) of the American trust fund, including a feasibility study and a review of the company's registration.
• Establishment of the financial instrument and creation of the SWIFT or transfer through various banks as required by the financing bank. For example, if the customer's receiving bank requests that it be sent through Bank of America or JPMorgan Chase and others, that is possible.

Digital platforms instead of SWIFT

Instead of SWIFT, the financial instrument can be established on platforms such as DTC or ISIN. It is important to know that issuance and establishment are required according to the request on the relevant platform. This means opening an account on a relevant financial instrument clearing platform and then receiving an automatic line of credit for use.

What is the ISIN platform? 

Short for International Securities Identification Number. 

This is a 12-character alphanumeric code used to uniquely identify securities worldwide. The code assists in the clearing and settlement processes of securities, especially in international transactions.

What is the DTC platform? 

A digital trade corridor platform, mainly in Asia and Europe, that focuses on the digitization and automation of e-commerce processes, especially in the context of international transit routes. The platform fosters cooperation among shippers, carriers, freight forwarders, and other key stakeholders in the logistics and trade industry.

Key features include:

• Completely digital document flow, automation of tasks like contracts, billing, and document creation, including financial tools.
• Real-time shipment/instruction tracking and visibility.
• Integration with customs authorities to streamline customs procedures and compliance.

Important note - Upon receiving issuance approval for the financial instrument from the American trust fund, Ski Financial Solutions does not guarantee that the American trust fund will agree to issue an MT543 for 100% of the requested amount. 

Therefore, it is recommended to request a guarantee for an amount approximately 20% higher than the requested amount. 

For example: A real estate developer who wants to carry out several projects, for which he already has approvals, in the next 5 years, instead of paying advances worth 144 million ILS out of pocket to get bank financing for the projects, will receive financing for these advances from the bank against the financial instrument. This way, he can preserve the company's equity and liquidity, and even expand the business and the number of projects he can manage simultaneously. 

In the case of advances worth 150 million ILS, we recommend that the client ask the trust fund for guarantees worth at least 180 million ILS for 10 years, and the chances are that if the entire process is in order, they will receive approval for 150-160 million ILS.

Cost of all the financial instrument establishment process - Approximately 750,000 Euros, divided into payments by stages, for any requested amount up to 250 million euros or the equivalent in ILS.

Please be adviced that the Ski Finance will demand an insurance for the full amount of that process (an unsurance solution will be provided to you by Ski Finance and will cost approx. 80K EUR.

- For amounts greater than 250 million euros, the cost of the guarantee establishment process will increase and will be provided individually based on the requested amounts.

Yearly Cost of the financial instrument - Annual interest of approximately 3.95% of the requested amount.

Please note - Ski Finance will negotiate with the trust fund on your behalf in order to reduce the cost as much as possible.

Main requirements to receive the guarantees:

1. Most important - A well-founded business case - show a repayment schedule. 

For example, if it's real estate - please show agreements with contractors, final buyers, and building permits + approval from a local bank (will be explained separately).

2. It is also recommended to show at the beginning of the process that the company has some profitability (a profit and loss statement or an accountant's confirmation of the company's profitability).

3. Finally, payment of insurance for the guarantee establishment process worth around 80,000 Euros (recommended but not mandatory) and payment of insurance for the annual cost of the financial instrument throughout the whole period of time requested.

Advantages of receiving the above financial instrument:

• The guarantee can be taken for many years and utilized for several cycles and projects to maximize its benefit, thereby obtaining loans/financing from banks without a problem for up to 20 years.
• Since the guarantee is backed by gold allocated to the bank, it is the strongest guarantee available. Therefore, you can negotiate the terms with the bank and receive loans at very low-interest rates (for example - instead of Prime + 4 without the financial instrument, you can get it at a Prime interest rate, and the difference would in principle cover the cost of the financial instrument).
• It is possible to check the option of receiving approval that maybe part of the cost of establishing the financial instrument will be paid out of the loan taken from the bank and that the cost of issuing the instrument can be paid up to 5 days from the date the guarantee is issued (not guaranteed).

A client who is interested and expresses a desire to move forward needs to provide the following documents:

• Certificate of Incorporation (in English)
• Updated company extract (in English)
• Authorized signatory (who will sign with the trust fund. preferably the document should be translated into English)
• An important condition - The company taking the guarantee has been in existence and operating properly for at least two years. Therefore, the company's last profit and loss statement must be submitted, or a document from the company's accountant stating that the company has a certain profit X (it is important to show that the company is profitable to receive the guarantees).
• Provide proof that the company has a repayment schedule (e.g., in real estate - show that you have agreements with contractors, final buyers, and building permits for the projects + a preliminary approval from the local bank stating that it will agree to provide financing against the financial instrument if it is issued).
• Prepare a page (in English) that basically explains and details - the requested amount, for which projects and their characteristics in brief, what approvals these projects have, the requested duration of the guarantee, and why this specific time frame.

Professional consulting services, offered by high level consultants and personnel with individual approach toward the client.

Including financial management, risk management, audit of the financial activity, financial monitoring and control.

Our team also specializes in development and assistance of the financial statements and documentation, development of the consolidated financial statements to participate in integrated projects, support and assistance during all of the stages of complex transactions, assisting on business development and companies’ administration, etc. 

Services with the involvement of сo-operated key sources

Ski Financial Solutions has in possession an own valued resource in the form of stable and reliable business cooperation with worldwide financial institutions with example of this is IMPERIAL Banking Group, its direct consistent branch of chain subdivisions and well-established relations with companies of the investment group all around the world. 

Ski Finance can provide solutions related with relevant implementation of diverse complexity products. 

We provide the following services: financial monitoring, competent analytics of the data processing and diversified banking. 

Identifying and attracting financial resources for projects implementation – investments, loans, grants. 

All of the issues, related to the bank services, instruments, crediting, private investments, bank accounts operating’s. Development and implementation of the investment projects by providing solutions in receiving financial loans and commodity credits signing contracts with manufacturers and persons involved in the process of implementing claimed of the project. And host of other things.

The company's consultants specialize in providing solutions in the following areas:

• In the world of local payments

• In the world of international payments

• In the world of local clearing

• In the world of international clearing

• In long-term financing for large projects

• Mortgage consulting

• Discounting and factoring for businesses

• Long-term investments in projects in the worlds of finance in Israel and abroad

No matter where the company that purchases a factory is from, where the company will carry out a project, or what complex of buildings the company would like to purchase....

Sky Finance will match the company with an American bank that can finance 85%-125% of the project value (could be tens of millions, hundreds of millions or billions, including examining the possibility of an LC instead of self-financing if necessary).

The bank and Sky Finance will ensure that all the equipment required to establish the activity (including medical equipment and heavy construction equipment) is supplied from the US at attractive leasing prices.

Our client will receive a key to a business that is ready for work and will be able to repay the financing in installments up to 10 years in the future.

For more information, please notify us on the Contact Us page below