How We Work

IRMF Corp. develops a series of specialized and highly professional tasks based on the business plan provided by the clients and on a number of other information. Our aim is to achieve a financial format of the loan compatible with the mortgage bankers needs and in condition to be packaged and securitized in a standard form to be immediately placed to funds and private investors worldwide.

Our targets are clients with commercial or residential projects fitting the following conditions:

- no previous restrictions and a proven record of achievements
- financial need of at least USD 2 millions
- project already approved by authorities and ready to be executed, if funded
- sufficient share of units already reserved/sold or otherwise placed (long period rentals, leasing …)
- other collateral guarantees available like existing realties, performance insurance (we can provide it, if necessary), financial collaterals etc…
- average time range for project completion of 1,5 years and a maximum of 2 years
- total loan period of no more than 10 years (15 years possible in some cases)
- able and willing to accept a USD denominated loan

The services we provide to our clients are the following:

After receiving a project we study it and decide if it has a chance to be approved by a mortgage banker or not. If, in our opinion the project has a chance, we ask the Client to provide us any additional information or document that we may need to format the project in a way we know to ease the approval process with the mortgage banker. When the newly formatted project is ready we present it to one or two mortgage bankers for approval. If the mortgage banker approves the project we will start a new phase of the process, the most intense, where we together with the mortgage banker and with lawyers, bonds experts and other consultants, will pack the loan project, securitize it and place the resulting papers with funds an private investors to collect the needed funding. At last, once the financing is available, we help in structuring the channel to safely deliver it to the Client protecting the full legal loan structure.

What can be financed:

Usually the full project may be financed. This means from acquisition of the bare land to marketing expenses. Of course each expense voice must be coherent with the rest of the project. Besides projects where land is an already acquired asset have a greater chance to be approved.