Private Lending in China

Lerong LuBusiness & Economics
Private Lending in China

Author: Lerong Lu

Publisher: Routledge

ISBN: 9780429823909

Category: Business & Economics

Page: 182

View: 711

GET EBOOK
This book explores China’s private lending market from historical, economic, legal, and regulatory perspectives. Private lending refers to moneylending agreements between business borrowers and their debt investors without the involvement of banks. In China, it remains difficult for private entrepreneurs to obtain sufficient loans from state-owned banks. Thus, private lending has been a vital alternative financing channel for over 80 million businesses which are reliant on private funds as their major source of operating capital. The market volume of private financing stands at 5 trillion yuan ($783bn), making it one of the largest shadow banking systems in the world. Despite the wide popularity and systemic importance of private lending activities, they have remained outside of the official regulatory framework, leading to extra financial risks. In 2011, China’s private lending sector encountered a severe financial crisis, as thousands of business borrowers failed to repay debts and fell into bankruptcy. Lots of bosses who found it impossible to liquidate debts ran away to hide from creditors. The financial turmoil has caused substantial monetary losses for investors across the country, which triggered social unrest and undermined the financial stability. This book is a timely work intended to demystify China’s private lending market by investigating its historical development, operating mechanism, and special characteristics. It evaluates the causes and effects of the latest financial crisis by considering a number of real cases relating to helpless investors and runaway bosses. It conducts an in-depth doctrinal analysis of Chinese laws and regulations regarding private lending transactions. It also examines China’s ongoing financial reform to bring underground lending activities under official supervision. Finally, the book points out future development paths for the private lending market. It offers suggestions for global policymakers devising an effective regulatory framework for shadow banking. It appeals to researchers, lecturers, and students in several fields, including law, business, finance, political economy, public policy, and China study.

Four Step Guide to Private Lending Profits

Lee J. CarneyFinance
Four Step Guide to Private Lending Profits

Author: Lee J. Carney

Publisher: Danforth Book Dist

ISBN: 0615489036

Category: Finance

Page: 0

View: 480

GET EBOOK
Become the Bank! Find the borrower, inspect the collateral, fund the loan, collect your check. It's that simple! Earning 10% to 20% return on investment securely and consistently, with minimal risk, is the essence of this book. It conveys real-world and practical experience of the author which, when emulated, produces real income and genuine wealth to the reader. This book shows the business entrepreneur and investor how to make safe and secure private money loans and mitigate risks by finding the right borrowers, working with controllable and straightforward loan terms, Collateral analysis that creates ample equity and low loan-to-value ratios, structuring loans to produce monthly income while being secured by marketable and tangible real estate, loaning personal IRA funds creating tax-free income and using financial partners' money to fund loans. This book will teach you how to have a safe and secure portfolio of private money loans which generate consistent cash flow.

Private Money Secrets

Robert LeonettiBusiness & Economics
Private Money Secrets

Author: Robert Leonetti

Publisher: Lulu Press, Inc

ISBN: 9781329798557

Category: Business & Economics

Page: 41

View: 986

GET EBOOK
Learn the little known secrets of finding and working with private money. Find your own special private lenders and have them work for you. Raise the capital you need without bank qualifying.

Get a Second Opinion Before You Sign

Shane ReynoldsBusiness & Economics
Get a Second Opinion Before You Sign

Author: Shane Reynolds

Publisher: Archway Publishing

ISBN: 9781480894150

Category: Business & Economics

Page: 216

View: 967

GET EBOOK
Get a Second Opinion before You Sign Australia’s first book on non-bank lending and construction finance is indispensable for those working in the commercial mortgage field—as well as borrowers looking to obtain a mortgage. Shane Reynolds, the CEO of Blessed Financial Services and president of Finance Broker Education & Training Australia Inc., covers the essential elements in the preparation of a mortgage application, the process for successfully obtaining a commercial loan, hiring professional assistance, dealing with private lenders and related legal problems. In this guide, you’ll learn how to: • avoid predatory lenders looking to make a quick buck; • succeed in uncertain times, identify opportunities, and secure funding into the future; • select a broker who’ll look out for your best interests; • navigate various transactions. Reynolds also explains the history of lending in Australia, the impact of the global financial crisis and Novel Coronavirus on Australian banks, and private lending products. Filled with checklists, a glossary, and insights on where to go for more information, this complete guide to non-bank lending and construction finance is a timely reminder that what glitters may not be gold—and too much debt can swallow your financial legacy.

Truth in Private Lending

Randy P. HinkleBusiness & Economics
Truth in Private Lending

Author: Randy P. Hinkle

Publisher: Morgan James Publishing

ISBN: 9781630478032

Category: Business & Economics

Page: 116

View: 443

GET EBOOK
Real estate agents and other investors who need money to close their purchases often use private lending as their main source for funding. Unfortunately, many private lenders take advantage of this. They use unethical and illegal tactics to persuade investors to pay fees to obtain loans. For this reason, investors need guidance from an expert who knows the language and the processes these imposters use. Truth in Private Lending gives detailed accounts of how private lending scammers typically operate, and advice on how to keep them from getting your money.

The Private Money Guide

Chris Naugle
The Private Money Guide

Author: Chris Naugle

Publisher: Independently Published

ISBN: 1790757762

Category:

Page: 110

View: 348

GET EBOOK
"The Private Money Guide: Real Estate Edition" is a deep dive into the world of real estate lending and financing. The perfect book for both seasoned investors and individuals joining the real estate industry for the first time, this guide will teach you how to identify and secure private money lenders, the dos and don'ts of securing private funds for investment, and how to analyze deals provided by private money lenders. This guide will also cover in detail the various documents that you will need during the private money lending process and the steps to take from securing a private money lender, to leveraging your financing and increasing your real estate portfolio in a sustainable manner!

Private Debt

Stephen L. NesbittBusiness & Economics
Private Debt

Author: Stephen L. Nesbitt

Publisher: John Wiley & Sons

ISBN: 9781119501152

Category: Business & Economics

Page: 262

View: 241

GET EBOOK
The essential resource for navigating the growing direct loan market Private Debt: Opportunities in Corporate Direct Lending provides investors with a single, comprehensive resource for understanding this asset class amidst an environment of tremendous growth. Traditionally a niche asset class pre-crisis, corporate direct lending has become an increasingly important allocation for institutional investors—assets managed by Business Development Company structures, which represent 25% of the asset class, have experienced over 600% growth since 2008 to become a $91 billion market. Middle market direct lending has traditionally been relegated to commercial banks, but onerous Dodd-Frank regulation has opened the opportunity for private asset managers to replace banks as corporate lenders; as direct loans have thus far escaped the low rates that decimate yield, this asset class has become an increasingly attractive option for institutional and retail investors. This book dissects direct loans as a class, providing the critical background information needed in order to work effectively with these assets. Understand direct lending as an asset class, and the different types of loans available Examine the opportunities, potential risks, and historical yield Delve into various loan investment vehicles, including the Business Development Company structure Learn how to structure a direct loan portfolio, and where it fits within your total portfolio The rapid rise of direct lending left a knowledge gap surrounding these nontraditional assets, leaving many investors ill-equipped to take full advantage of ever-increasing growth. This book provides a uniquely comprehensive guide to corporate direct lending, acting as both crash course and desk reference to facilitate smart investment decision making.

The Insider's Guide to Attracting Private Money

Mark HanfBusiness & Economics
The Insider's Guide to Attracting Private Money

Author: Mark Hanf

Publisher: CreateSpace

ISBN: 1506142842

Category: Business & Economics

Page: 68

View: 388

GET EBOOK
What would unlimited capital do for your real estate investment business? Tap into the growing and virtually unlimited capital resource known as private money. The Insider's Guide to Attracting Private Money(tm) presents the ideal strategy, posture, and approach for attracting private investors. The book introduces The Five Steps to Money Method(tm), a proven approach for attracting capital. If you are looking for a blueprint for how to develop a relationship with a potential private lender and how to get him or her to invest with you, this book will show you the way. Mastering the strategies and principles outlined in this book will allow you to: * Take your real estate business to the next level using private capital. * Wave goodbye to the banks! Never wait months to be turned down again! * Never lose a deal again because you couldn't close fast enough! * Get cash discounts from highly motivated sellers because you can close quickly! * Never slow down your marketing efforts for fear of running out of money! Distinguish yourself from amateur real estate investors, and be on your way to raising millions of dollars in private capital to grow your real estate business!

Lend to Live

Alex BreshearsBusiness & Economics
Lend to Live

Author: Alex Breshears

Publisher: Biggerpockets Publishing, LLC

ISBN: 1947200704

Category: Business & Economics

Page: 230

View: 760

GET EBOOK
Want to invest in real estate without the hassle? Learn how to create financial freedom and passive income in real estate as a private money lender. Actively investing in real estate can sometimes seem impossible. Not everyone can spend all hours of the day dashing off to talk to motivated sellers, managing fix-and-flips, or screening tenants for rental properties. Instead, you can choose a different path by "being the bank" for other active real estate investors--a strategy that works with any lifestyle, builds toward financial goals, and gives you time back in your day. What used to be a trade secret for corporate lenders is now available to the average person, and Lend to Live makes the private lending path actionable and accessible for everyone. With more than two decades of experience in the mortgage lending space and real estate investing, Alex Breshears and Beth Johnson show you how to invest in real estate from anywhere in the world--all you need is an internet connection and a cell phone. Inside, you will learn: Why private money lending has become a popular alternative investment strategy to create passive income How to establish baseline lending criteria to match your investment goals and risk tolerance Steps to take to secure your investments using the C.P.R. private lending method How to build a private lending virtual team to provide end-to-end support Key pieces of information to collect and the process of underwriting a loan opportunity The risks and rewards of private lending as a passive real estate investment Precautions and key considerations to help reduce your risk exposure Tactics, tools, and tips to ensure your loan is safe from origination to final payoff Do you want to run a real estate business from a backpack? Lend to live the life of your dreams!

Private Loan Money Funding Kit

Tyler G. Hicks
Private Loan Money Funding Kit

Author: Tyler G. Hicks

Publisher:

ISBN: 1561507156

Category:

Page:

View: 812

GET EBOOK
Get private loan money for your deals! Learn how, and where, to get private-money loans for real estate or business deals. Deal with private lenders. Private lenders are not governed by the strict lending rules banks must obey. Private lenders are often managed by business pros who understand you and your business or real estate plans. And private lenders are less likely to be concerned with your credit rating. In short, it's usually easier to get loans from private lenders. Private funding is available for: * Real Estate * Business * Special Circumstances * Construction * Quick Closings * Imperfect Credit * Bankruptcies * Hard Money * Temporary or Bridge Financing * and Much More! So how can you get the private loan money you need? Use the IWS Private Loan Money Funding Kit! The Kit shows you the procedures, forms, and steps to get private loan money effectively. Kit includes dozens of private loan money sources you can contact to get your money. Some sources consider first-time borrowers and borrowers with weak credit or bankruptcy. 8.5 x 11 in

The Inside Guide to Funding Real Estate Investments

Ross HamiltonBusiness & Economics
The Inside Guide to Funding Real Estate Investments

Author: Ross Hamilton

Publisher: AMACOM

ISBN: 9780814438862

Category: Business & Economics

Page: 247

View: 726

GET EBOOK
Great financing is the holy grail of real estate--with the power to make or break the deal. Whether you are brokering your first deal or your fiftieth, finding the right financing for that specific situation can be the most important challenge you face. But there is good news! If you know where to look, you can find nearly unlimited supplies of funding for all your real estate deals. And The Inside Guide to Funding Real Estate Investments shows you exactly where to look!This all-encompassing guide introduces readers to the range of options available--from traditional mortgages and asset-based loans to crowdfunding and private money--and provides an inside look into the loan process as a whole and how lenders think through different scenarios. Learn all there is to know about:• What lenders are looking for• How to close with confidence• How to maintain sufficient liquidity• How to protect your credit position for future deals• What to do when deals go south• And more!Whether you’re planning to fix and flip or buy and hold, with this thoroughly researched resource that has considered every financing scenario by your side, you can rest confidently that you are in prime position to not only avoid costly borrowing mistakes but also be set up for real estate success beyond what you thought possible.