OPAC CAPITAL Build on Trust. Powered by Innovation.

OPAC CAPITAL - creating trade opportunities for

international clients.

WEB ADDRESS

www.opaccapital.com

Top financial

solutions provider

resolving all types of

financial problems

by helping clients

find, create and

execute original

ideas "as well as

offer astute financial

advice and world-

class service."

Our commitment is to

provide our clients

with the best

possible services. As

a professional firm,

we combine

seasoned technical

expertise with a

unique welcoming

personal touch, as

we provide our

knowledgeable

assistance to our

clients to meet the

challenges and

opportunities from

all over the world.

Table of Content

1. About OPAC Capital ………………………………………………..

2. Financial Solution ……………………………………………….….

3. Commodities Trading ……………………………………….……

4. PPP Investment (Private Placement Program ) ….….…

5. Debt Settlement UAE ………………………………………………

6. Financial Instruments Lease …………………………………....

7. Offshore Bank Accounts …………………………………………..

8. Offshore Company Formation ………………………………….

9. Discount Bank Guarantee’s ………………………………………

10. Bonds Monetization ……………………………………….

11. Aircraft Services ……………………………………………..

12. Loan against BG’s …………………………………………...

13. Real Estate Finance …………………………………………

14. Becoming Partner ………………………………………….

ABOUT US

WHO WE ARE:

OPAC Capital Finance Services Offers world class professional Business Management Consultancy to investors

in the private, Government, Non-Government and academic sectors.

Our Business Registration Division offers a spectrum of services, covering all aspects of commercial activities in

the UAE and the Middle East countries as well as internationally. Our commitment is to provide our clients with

the best possible services.

As a professional firm, we combine seasoned technical expertise with a unique welcoming personal touch, as

we provide our knowledgeable assistance to our clients to meet the challenges and opportunities from all over

the world.

2015 gone after huge success for OPAC Capital where the number of the clients Local & Middle East countries

as well as internationally increase to lead to a growth of 25% for the total transaction of over 2 Billion dollars

and over 280 clients.

As a vital resource and provider of all types of finance solutions, OPAC Capital is able to source financing for

both businesses and individuals. We have a range of innovative financial solutions available for different niches.

Whether you need a small short-term personal loan to overcome a difficult financial situation or you require

multi-million Dollars for business expansion or development of a facility development, OPAC Capital is here to

help.

Upholding only the highest standards of integrity and responsible lending, we assist customers make informed

decisions. Key factors relating to our financial services are clearly and succinctly explained.

From personal loans to business solutions such as a commercial mortgage and even unsecured business

financing, OPAC Capital is your number one resource for the best financial solutions for any type of needs.

Financial Solution

OPAC Capital General Services, We are partners with several lending’s, finance institutes, cutting houses,

collateral sources, Banks, Traders, Sellers.

OPAC Capital are international financier brokers, trust Consultant of worldwide development prime lending’s.

We are Specialist of funds, loans, bank guarantees. We are working with large lending’s affiliated to a corporate

consortium group operators and providers of Bank Financial Instruments. Through this large lending’s, Trade

group consortium, we can arrange the following services as their trust consultant.

World-Wide Hotel, Resort, Casino, Commercial Malls, Buildings, Refineries, all other projects and

Executive Financing Programs

Sale of Bank instruments and Debentures

Provide financial bank instruments

Updated LIST n° of available Bank instruments offers of BG,MTNs,CD,Bond,s.

Pension funds.

Project funding Worldwide

Lending-1-General info,Term,Condition,Procedure,for all viable projects finance funding

100% project financing 10% of loan with BG,CD,

Lending Trust

Joint Venture No Repayment Debt free Projects Loans

Joint Venture Trust

Energy Fund

Equity Capital Fund

Institutional Fund

Nationwide Commercial Rehab Funding

Venture Capital in Easy Way to Companies That Need Money Urgently

Funding against collateral instrument and government guarantee

Collateral first loan offers

CD loan offers

Asset trading – Trade finance

Credit Enhancements-Asset Enhancement-Collateral Enhancement

Nationwide Commercial Hard Money, Bridge Loan Funding

Self liquidation Debt free funding

Project finance debt free no interest no principal payment

Major Investment trading programs in world PPP-HYIP

Major Investment Trade Bank Platform (PPP) in the World for Project funding

Discounting of bank Financial Instruments

Letter of Credit against acceptable bank instruments

Buy & sell of bank financial Instruments

Hard asset funding

L/C -DLC- for export import

Documentary Letter of Credit

Standby Letter of Credit enhancement issued by major world bank

Financial Guarantees and Performance

Private Organization Enhancement (BG) Issued By Major World Bank

Issuance of Bank debt instruments, for Credit & Collateral Enhancement

SWIFT Messages

Sight letter of credit

Manage Bank – BG-SBLC collateral for project, loan guarantee Debt free loan

New Funders Joint Venture For Project Share Holder

Foreign Currency Exchange discounted contract. (we work with our contract only)

Confidential, Private & Time Sensitive, request only by principal

Lending ( 6 ) Capital Secured Investment & project financing Services

International Project investor sponsorship opportunity

Lease of bank Financial Instruments for Credit Enhancement

Lease SBLC, BG Or Cash backed bonds all instruments are cashed backed.

Lease BG. T-bill Bank Instrument Securities.

Understanding and using L/C -BG -SBLC-SLC- DLC Credit Enhancement

Buy / Sell gold Au bullion, Gold dust, silver, platinum

Rough Diamonds Purchase Procedures

Proof of fund – reserved blocked (POF)

Funding 10% of loan Cash or Prime bank instruments and Government Guarantee

Letter of Intent / Loan or Investment Application. Underwriter for project Finance

Funding for MTNs. PPP. HYIP. buy & sell facilities

obtains financial commitments for loans, funds, proof of funds, bank guarantees,

Funding for Financial Instrument Buy/Sell Transactions

Purchase,Discount,Funding,Procedure For Bank Instruments (MTN) (BG)Guarantee

Joint Venture Capital investment program

Lending-5-Dynamic Funding For All Viable Project

Availability of project Financing through Private Placement Programs.

Funding Project short term share holder

International advisory consulting

International Consulting

Managing Trade PPP Platform

Provide Petroleum Products and derivatives

Expertise and Industry Experience

OPAC CAPITAL has extensive experience across all industries. Our highly customized teams bring each client a combination of deep industry knowledge and expert perspectives from other industries on the challenge at stake, to offer our clients fresh perspectives and breakthrough business insights. Our mission is to help our clients set new standards of excellence in their industries, not follow the pack with off-the-shelf solutions.

Consulting Services

Our consulting services focus on our clients’ most critical issues and opportunities: strategy, marketing, organization, operations, technology and mergers & acquisitions, across all industries and geographies. We bring deep, functional expertise, but are known for our holistic perspective: we capture value across boundaries and between the silos of any organization. We have proven a multiplier effect from optimizing the sum of the parts, not just the individual pieces.

Technology

As technology executives well know, running software, hardware and technology service businesses requires long-term vision and adaptability. OPAC CAPITAL cross-sector expertise and global insights help technology companies compete and thrive in an industry where innovation is both an opportunity and a threat.

Social & Public Sector

The nonprofit, government and higher education sectors play a significant role in the global economy–and in the lives and livelihoods of people around the world. OPAC CAPITAL combines the best of our private-sector expertise with a deep understanding of the social and public sectors to effect lasting change and achieve enduring results for our clients.

Financial

From banking and insurance to wealth management and securities distribution, OPAC CAPITAL has dedicated financial services teams serving all major areas of the financial services industry. Our work draws on more than 20 years of experience in the field and the expertise of OPAC CAPITAL professionals in the world’s most important financial centers.

Healthcare

Healthcare companies face dramatic changes in customer behavior, market dynamics and regulatory demands. OPAC CAPITAL works with healthcare companies to deliver better value for patients, fuel innovation and reduce the cost and complexity of operating systems. Our pharmaceutical, medtech, and payers and delivery systems teams bring diverse and deep experience to every healthcare engagement.

Retail

The retail world—with its razor-thin margins and relentless big bets on fashions, trends and timing—has never been a haven for the faint of heart. Add digital technology disruption, emerging market opportunities and changing consumer trends to put more variables in flux than ever before. OPAC CAPITAL works alongside leading retailers to develop and implement customized solutions that address today’s challenges and tomorrow’s opportunities.

Consumer Products

Consumer products companies face new challenges created by complex consumer and shopper behavior, retail consolidation and emerging markets. But these same challenges also open new routes to profitable growth. OPAC CAPITAL has helped to increase profits and build sustained value for leading consumer product companies worldwide and completed hundreds of projects in this industry over the past years.

Utility & Alternative Energy

OPAC CAPITAL utilities and alternative energy experts help utility companies around the globe navigate today’s industry challenges—including the changing fuel mix, supply distribution and access issues, efforts to decarbonize energy generation and commodity cost volatility. We work with utilities to turn these changes into opportunities to develop their full potential, invest wisely and become more valuable

Strategy

Are your competitors talking about you in their boardrooms? Does your strategy guide how you allocate resources? At OPAC CAPITAL, we see strategy as much more than a plan. Since OPAC CAPITAL inception, strategy has been our core business. We work with companies in every industry to develop strategies that deliver results.

Organization

Some organizations work. They accomplish what they set out to do and their employees are engaged and happy with their jobs. Yet OPAC CAPITAL research indicates that only 20 percent of companies achieve that. OPAC CAPITAL helps clients improve financial performance and make their organizations better places to work by ensuring the entire organization system is aligned and set up to deliver on the company’s objectives.

Information Technology

Information technology should improve business results. OPAC CAPITAL helps companies make sure it does. We look at IT issues strategically, in the broader context of our client’s business. Our experts provide an objective, independent perspective to help companies realize the full potential of their IT resources, investments and assets.

Corporate Renewal

OPAC CAPITAL corporate renewal group provides expertise for boards and equity sponsors of underperforming, capital constrained companies. We focus on turnarounds that preserve shareholder equity. Our experts are uniquely skilled in financial restructuring and strategic, operational and organizational transformations.

Performance Improvement

OPAC CAPITAL is the best consulting partner for companies that are committed to quickly achieving and sustaining their full potential. Our clients realize, on average, results yielding 25 times returns on our fees and margin improvements of seven percentage points within two to three years.

Customer Strategy & Marketing

Customers are the source of real growth. OPAC CAPITAL combines in-depth customer insights with practical expertise in operations and economics to help our clients create sustainable, organic growth.

Commodities Trading

OPAC Capital mission is to function as a catalyst for accelerating the growth of clients facing ever-greater Oil &

Gas challenges across the GCC & worldwide. We can assist end users buying petroleum products direct from

refineries.

OPAC Capital helps make trade happen. We move physical commodities from where they are plentiful to

where they are most needed – reliably, efficiently and responsibly.

Whether you’re a producer, an existing or potential partner in government or business, or an end-user we have

the focus, commitment and global resources to get you closer to your markets.

OPAC Capital business is physical trading and logistics; our assets and investments complement and enhance

these activities. Customers for oil and petroleum products include electric utilities, refiners, majors and

National Oil Companies. Metal and minerals customers range from mining companies to smelters, refined

metals retailers and industrial manufacturers.

OPAC Capital assist largest metals and mineral traders. We are building global connectivity between miners,

smelters, and refined metal fabricators and clients. We form strategic alliances.

We are a company dealing in Gold and other precious metals. We have Access to gold suppliers for buying gold

worldwide. OPAC Capital provide access to gold with compatible price.

Private Placement Program

OPAC Capital facilitate secured Private Placement Programs in direct cooperation with platform program

managers and providers. Contracts are provided to high net worth clients. Your investments remains under

your control and account name, guaranteed, safeguarded during the contract period.

If you want to place funds into a Private Placement Program (PPP) we can help you. Although you must be

invited to join, these lucrative programs offer a safe and secure means of multiplying your wealth.

This opportunity has the potential for wealth creation and life quality enhancement. You can soon be enjoying

the benefit and profit from this yielding investments. Note that we are not providing financial or securities

advice (our Program Manager lawyer insist we include this notice.)

Applicants are expected to be experienced investors who are familiar with how these investments are done.

We DO NOT formally educate or provide any advice as to how one can incorporate this PPP strategy into your

financial plan.

NOTE: Your money is never transferred to another account; it is just blocked through a MT760 or MT700.

MT700, the Funds can still be traded within another Bank at the time of Trade with Platform) Which and

remains in your bank. The compliance package you need to get started in trade will be released to you at your

request in order to move forward.

Dubai Debt Solution Services

For many people, debt has unfortunately become part of everyday life. With the current state of the economy,

redundancies, rises in inflation, the cost of living and fuel prices going up, it’s easy to see why so many people

have fallen into debt. The anxiety involved in managing finances can be overwhelming, so it’s not uncommon

that people feel like the best way to cope is to ignore creditor letters and phone calls – which is the worst thing

you can do. Instead, we recommend that you face your debt problems head on – because the sooner you do,

the sooner you can escape a life of debt.

If you’re struggling with significant credit card debt, and can’t work out a repayment plan with your creditors

on your own, Getting dunning notices from creditors? Are your accounts being turned over to debt collectors?

Are you worried about losing your home or your car? You’re not alone.

We can Help on the Following Areas:

Credit cards

Personal / Commercial Loans

Bounce cheques

Some debts are too big to handle simply by tightening your belt or exercising better budgeting techniques.

When you start to feel like your debt is out of control, it’s time to consider your options to find debt relief.

There are a variety of different relief options you can choose, but the goal of each is to help reduce the

monthly burden of your debts to make paying back what you owe more manageable.

We are partner with attorney law firm based in UAE that offers total solutions right from early stage from

collection agencies to legal services covering every stage of the cycle i.e. amicable negotiation, legal negotiation

and legal action (litigation).They are Specializing in both commercial and consumer debts on behalf of a wide

range of clients, they can offer you expert advice and solutions to all of your debt solution needs. They have

proven credentials across a range of sectors including property, debts, credit cards, personal and business

loans.

Bank Instruments Lease

OPAC CAPITAL is one of the leading private providers of bank instruments services for both institutional and individual clients for decades. Many banks, credit unions, mortgage companies and special purpose lenders are suffering during these times of economic stress and fractured business models. Most people do not know about Bank instruments like MTN’s, Bank Guarantees (BG’s), Corporate Bonds, SBLC’s or other Bank instruments. All they know is that in the arena of project financing it is getting harder to get a deal funded!

For those reasons… It makes sense to look at alternative forms of funding.

Bank instruments are debt instruments created by large banks and institutions which have high interest rates, and strong value to the holder. The more common bank instruments are Bank Guarantees (BG’s), Standby Letters of Credit (SBLC), and Medium Term Notes (MTN’s), and they are issued by European banks mostly. Since it is very hard to attain the funds to purchase an instrument in full, many choose to utilize leased bank instruments.

Leasing Instruments is great for this and many others reasons, and has become popular over the recent years. Many clients lease bank instruments to get into private placement programs, secure funding for large real estate transactions, commodities and petroleum, and many other unique funding scenarios.

The vital part is that bank instrument leasing makes it possible to use a small amount of capital to attain a large amount of capital for a period of time. If you have the right opportunity, leased bank instruments can be a perfect fit to get you off the ground

Important Tips to Note

Even though this might not be a good introduction, let’s be honest: LEASING usually is a frustrating field to work in. WHY? Because clients need the instruments but usually they do not have what is needed to get them.

Clients/Applicants need Bank Instruments to be used as collateral or to enhance credit facilities but only fully

cash backed instruments may achieve that. There are 2 (two) kinds of sources to lease from:

Our Services

We are direct providers of freshly cut bank instruments like BG’s (Bank Guarantee), MTN’s (Medium Term Note), SBLC’s (Standby Letter of Credit) & DPLC’s (Direct Pay Letter of Credit) CD’s (Certificate of Deposit), and just about every other type of instruments available through our network.

Unlike traditional letter of credit, a bank instruments is where the beneficiary obtains payment against papers demonstrating delivery, the SBLC may allow a beneficiary to obtain payment from a financial institution even

when the applier for the credit has neglected to perform as per bond.

A key principle to remember with the instrument is banks deal only in documents or goods and do not involve themselves in the commitments and contracts between the two parties directly. The concern of the issuing bank is the terms and conditions of the letter of credit itself. The decision to pay by a Bank Instrument is based entirely on whether the documents submitted to the bank appear on their face to comply with the terms of LC bank instruments.

Bank Guarantee (BG) in US$ or Euros

Certificate of Time Deposit (CD) in US$ or Euros

Standby Letter of Credit (SBLC) in US$ or Euros

Medium Term Notes (MTN’s) in US$ or Euros

Treasury Bills (T-Bill) in US$ or Euros

Documentary Letter of Credit (DLC, SLC, LC) in US$ or Euros

Promissory Notes in US$ or Euros

Discounting of Bank Instruments

Bank Guarantee (BG) in US$ or Euros

Proof of funds (POF) and Bank Confirmation Letter (BCL)

We also provide help client in need of Proof of funds (POF) and Bank Confirmation Letter (BCL) for various commodity trade such as crude oil, oil & gas servicing equipment’s, steel, and precious stones etc… Also these services are acceptable in some organizations and countries for import and export trade in opening credit lines with suppliers or manufacturers.

Bank Instruments Transactions:

Import/Export Trade

Collateral for Project Finance

Purchase Bank Instrument (Bank Debentures)

Other Credit Enhancement: Purchase REO Pool/Real Estate/Businesses & Companies

Bank Instruments Type:

Standby Letter of Credit (SBLC) Cash Accounts

Bank Guarantee (BG)

SWIFT MT799

SWIFT MT760

Bank Instruments Institutions:

Top Money Center Banks: HSBC, Credit Suisse, Deutsche Bank, Standard Charter

International Banks: Europe, United States & Asia

Bank Instruments Terms:

Minimum $10M account size up to $1B

Month to month account service or 12 months with extensions

LOANS UNDER $10 MILLION ARE AVAILABLE FOR 4.25% I/O

Bank Guarantee (BG) Bank Instruments

Bank Guarantees (BG) is negotiable financial debt bank instruments made by a guarantor bank on behalf of the applicant to mitigate risk on behalf of the beneficiary party. It may be used to assist in trade finance, international trade, domestic trade, and various other types of contracts where the backdrop of a vetting third-party (the issuing bank) could be used.

When a bank issues a Letter of Guarantee to a beneficiary bank it looks at the credit worthiness of the applicant, not the transaction at large. Thus the ability to acquire bank instruments like a BG is largely based on the relationship the bank has with its client.

The BG is very similar to that of a LC in that it guarantees payment on behalf of its client to the beneficiary. However, a BG is usually used in the event there is default. If for instance, a purchaser of goods issues a BG to the seller of goods and if after delivery, payments were not made for some or the entire contracted amount, these bank instruments acts like a draft or check allowing the Beneficiary to cash it in.

Cash Accounts and Instruments to be monetized OPAC CAPITAL works with providers who will establish a Cash Account or instruments in the client’s name in a top 25 bank to be used for monetizing and trade purposes on behalf of the Client and OPAC CAPITAL as a Joint Venture.

The Instrument or Cash Account POF (Proof of Funds) and all compliance documents (see monetization) will then be handed over to monetize and trade group to start the process of funds for Client’s projects.

Offshore Banking and Company

Formation Services

OPAC Capital International Business Company and Offshore Company Formation services, We assist Clients to

establish new offshore companies.

An offshore company or corporation is the same as any other company in that it is an entity recognized by law

as a separate “entity” with limited liability. As such the company has the option to sell shares, the right to sue

and be sued, and has perpetual existence.

An IBC (International Business Company) is the most popular type of offshore corporation for asset protection

and privacy purposes. An IBC is usually a tax-exempt corporation that can do business all over the world except

in the country where it has been incorporated. Popular IBC jurisdictions include the British Virgin Islands,

Anguilla, Mauritius and the Seychelles.

Apart from the traditional offshore centers, many ‘onshore’ jurisdictions have corporate structures that are

attractive to international users. UK LLP , US LLC, UK Limited Companies, Hong Kong Limited Companies and EU

companies are all examples of domestic structures of particular value for international tax planning purposes.

OPAC Capital has been assisting clients to establish and administer offshore and international bank accounts

and has developed useful expertise in identifying and working with suitable offshore banks and international

banks. By the very nature of our business we are exposed to a wide range of offshore banks and international

banking activities and we aim to learn from these experiences.

Tell us a little about your requirements or the information you require and a consultant who speaks your

language will contact you directly to discuss and establish the best solution to meet the challenge of your

particular situation.

Discount Bank Guarantees

Banks and Investment companies can discount their customers’ Bank Guarantees with the help of OPAC

Capital with a deduction rate that is the lowest in the world market. There are a very limited number of

international entities which can discount bank guarantees for large sums of money and OPAC CAPITAL is one of

them.

Banks and investment companies can enjoy bank guarantees discounting service provided by OPAC CAPITAL for

the benefit of their clients. OPAC CAPITAL provides the lowest discount rates worldwide for any bank

guarantee regardless of the actual size of the amount provided that it is issued by a bank that is rated A+ or

above. Nevertheless, the bank or the investment company has to sign an agreement with OPAC CAPITAL prior

to providing this service to its clients.

This service that is provided by OPAC CAPITAL since January 2014 is considered one of the strongest services to

be launched. It reflects the size and capability of OPAC CAPITAL in the financial industry.

Note: This service is subjected to the conditions of the Bank Credit Committee, which has the right to reject any

request (without giving any reason) that does not meet the specifications of the funding procedures. OPAC

CAPITAL does not accept bank guarantees covered by money from suspicious sources or that will be used for

acts against the law.

This service is offered only to the active clients of OPAC CAPITAL.

Financial Instrument Monetization

In order to monetize a Bank Instrument you must be in possession of the instrument and it must be paid for

prior to monetizing (Prior to requesting monetization).

OPAC Capital has developed relationships with some of the Top banks in the world to Monetize Bank

Instruments for clients worldwide by arranging the monetization against owned bank instruments such as BG’s

(Bank Guarantees), LOC’s (Letter of Credit), SBLC’s (Standby Letter of Credit), CD’s (Certificate of Deposit),

DPLC’s (Direct Pay Letter of Credit) and other banking and financial instruments.

This form of financing can be used in combination with our cash backed stand by letter of credit (SBLC) or Bank

Guarantee (BG) Program in order to monetize the newly created document to obtain the right funds for project

financing.

Monetizing bank instruments is the process of liquidating such instruments by converting them into legal

tender. We can monetize or lend on just about any bank instrument to be used for project funding, move them

into various trading platforms quickly and easily, as well as creatively incorporating them into financing certain

development projects. We can monetize CD’s, SBLC’s, DPLC’s, BG’s and MTN’s.

Monetizing a sblc or stand by letter of credit is becoming rather common and can be done in as little as 14

days. Many people refer to this as sblc funding or sblc financing since you are essentially obtaining cash on the

basis of the sblc or bank guarantee.

This process allows you to:

• Monetize instruments for cash

• Monetize instruments for buy/sell platform entry

• Monetize instruments for both cash and buy/sell platform entry

OPAC Capital facilitates the monetization of the following:

•Bank Guarantees

•Bank Drafts

•SBLC

•Certificate of Deposit

•Direct Pay Letter of Credit

•Blocked Cash

We work almost exclusively on a success fee ONLY basis. Our success is contingent on your success and that’s

why our business is so successful, has so many happy customers and is so Highly Respected.

Aircraft Sales and Services

OPAC Capital goal is to connect aircraft sellers and buyers to allow you to find and sell your aircraft not only to

your local market but to the worldwide market as well. We provide a great experience for you whether you are

selling your aircraft or when you are buying an airplane.

OPAC Capital is an independent aircraft sales and brokerage specialist and is not affiliated with any aircraft

manufacturer. We will locate an aircraft or buyer to match your requirements and throughout the whole

process we guarantee discretion, confidentiality, honesty and a fair commission, negotiated well in advance

with our customers.

Aircraft Management

Entrusting us with the responsibility for the commercial or private operation of your aircraft, OPAC Capital will

ensure the requisite technical and operational services, including but not limited to dispatch, flight crew

supervision, maintenance oversight and planning, insurance and fuel management, administration, accounting

and charter sales.

OPAC Capital will assist you manages your private aircraft commercially either on a Swiss or an EU-AOC (Air

Operator Certificate) or privately regardless of the registration country.

Our personalized packages range from complete asset management arrangements to specific services as if we

were your own in-house aviation department with you benefiting from lower costs and increased convenience,

irrespective of aircraft registration and base location.

Your wish is our command …

This also applies to the construction of your management fee model: you select yourself if you rather enjoy a

fix monthly fee or if you opt for a flexible solution based e.g. on monthly turnover or on actually flown hours.

Loans and Bank Guarantees

A Bank Guarantee is an alternative to providing a deposit or bond directly to a supplier or vendor. It is an

unconditional undertaking given by the bank, on behalf of our customer, to pay the recipient of the guarantee

the amount of the guarantee on written demand.

Bank Guarantees require security in the form of cash held on deposit with the bank, or real estate of a type and

value acceptable to the bank.

Corporate Lending

In accordance with your needs you may use a loan for working capital or investments;

We can offer you solutions for financing your investments, according to your needs and with favorable

terms, interest and repayment plan. We are ready to help you for achieving your business goals by

granting loans for working capital for financing and filling-in seasonal gaps in the cash flow of your

company;

You can plan and manage your financial resources in the best way – the redemption plans are in

accordance with the loan agreement and the business cycle of the customer. The redemption plans

offered by the bank are flexible and meet the specific needs of the business.

Bank guarantees

The bank guarantee in foreign currency is a firm and irrevocable obligation of the bank for paying a

specified amount in case of default on the part of other persons or in occurrence of some risk.

Suitable instrument for the client’s business that can be connected with the legal requirements of their

business.

International Real Estate Financing

OPAC Capital assists Clients worldwide (GCC and worldwide-friendly countries) who want to achieve their

business financing objectives. We assist Clients and brokers in their attempt to secure funding by working on

$10M (USD) to $900M (USD) and higher funding requests that may require innovative financing and

structuring.

Our specialized focus is working with start-up and existing companies on $25M (USD) to $500M (USD) and

larger funding requests…that is, working with growth-oriented companies that have viable business plans. The

overall value that our financial team brings to that assignment is creative thinking, underwriting expertise, and

strategic relationships with potential sources.

Our OPAC Capital Contact sources look for businesses and projects that possess:

A strong management team

A viable business plan

Good growth potential

Clients with at least 50% of their own equity into the project

Ability to create value

Ability to generate cash with acceptable projected net income

Proven technology (if it is an alternative energy project)

A clearly defined exit strategy (unless it is a build/hold and operate)

We have relationships with Lender / Banks underwriting sources who serve their Clients and who get many

projects funded every year. For example, in the last 20 years, one of our sources has facilitated the financing of

thousands of projects, representing over $150 Billion in closed funding’s.

OPAC Capital provides a link to Lenders and Lender/ Banks underwriting groups who represent domestic and

international banks, pension funds, investment banks, unions, insurance companies, hedge funds, syndicates,

private accredited investors, and private lenders.

Becoming Partner Becoming the Value Added Partner with OPAC Capital

Focusing on the customer OPAC Capital needs to work with the business to identify the components of a

business partner model, knowing that this model will (and should) evolve over time. OPAC Capital and business

leaders need to:

Understand what business customers want.

What do Finance’s business customers need to fulfill their own responsibilities effectively?

What information and insights do they require? When do they need this information and in what level of

detail? To answer these questions, OPAC Capital needs to know not just what its customers value but also what

its customers’ customers value. Thus, these efforts mark the beginning of developing a true understanding of

the broader business and more valuable conversations with the business’s customers.

Agree on key relationships and roles.

Getting to an agreement means working with the business to determine the “what” and the “how” of

partnering. What OPAC Capital thinks is good for the business is one thing; understanding what the business

values is the critical task.

Establish customer relationship managers.

Consider providing a single point of contact between OPAC Capital and other business units or functions to

oversee the relationship, resolve issues and continually improve the quality of interactions.

Formalize the relationship appropriately.

Developing a formalized structure and discipline will help the relationship function more effectively over time.

The use of Service Statements will help define services, roles, timeframes and, importantly, customer

responsibilities. Typically the best approach is to develop an agreement reflecting the goals and direction of the

relationship, rather than a formal Service Level Agreement.

Building credibility

OPAC Capital needs credibility and trust within the business to build an effective partnership and strong

relationship. We can claim to be credible when the business asks the team to play a broader role in decision

making and providing advice—that is, to be involved in the lifecycle of decision making rather simply approving

(or not approving) an outcome.

“It’s impossible to build a successful business partnership with our function without establishing the right

foundation,”

“You must have robust finance processes, timely, accurate and good quality MI provision, controlled data etc.

We needs to excel at its core competencies before it can create a business partnership, and many such efforts

have been derailed by errors in management reports or control issues in Finance. But with credibility comes

permission from the business.”

Key principles of developing a business partnership within the Finance Functions

Grow the relationship.It takes time to build an effective business partnership. But even before all the

processes, technology and data issues have been addressed, finance can provide value by improving the

quality of commentary, analyzing business performance and building the necessary relationships with

the business. It may be sensible to start small, be successful – to build credibility – and then grow the

relationship.

Co-locate.It is critical that the business feels that its Finance partners “belong” to them and are part of

their team. What does this mean? Normally that the business partners are co-located with the business

and that there is continuity of service delivery. Finance should celebrate when members of their team

are headhunted by the business!

Conduct an objectives and performance assessment. The business should be involved in defining the

role of its Finance partners, their objectives and responsibilities, what they focus on and how they

engage with the business. The business must also be involved in assessing the performance, in

conjunction with Finance, of their business partners.

The role of Finance is then to set the overall strategy for business partnering, determine the areas of focus, and

to manage the recruitment, development, training of the business partners – and their overall success. Finance

is ultimately responsible for the success of the model.