SMARTNOTESTM are innovative debt instruments that offer investors a unique combination of returns and security.
The investment notes are structured using Special Purpose Vehicles (SPVs) to provide an important layer of protection and segregation for investors.

Key Features of SMARTNOTESTM

1. Secured Investment: SMARTNOTESTM are secured by the issuer’s business assets, providing collateral to protect investors’ principal.
2. SPV Structure: Each investment utilizes a dedicated SPV, which offers several benefits:
   • Isolation from the underlying business’s capital structure
   • Bankruptcy remoteness
   • Protection from commercial and employee contract risks
   • Potential tax advantages
3. Flexible Terms: SMARTNOTETM investment terms range from 3 months to 3 years, catering to various investor preferences.
4. Asset-Backed Security: SMARTNOTESTM can be secured by:
   • First mortgages on real estate, aviation, vehicle, or marine assets;
   • Personal guarantees from principals; and
   • Corporate guarantees (e.g., General Security Agreements)
5. Cost Efficiency: SMARTNOTESTM are designed to be cost-effective for investors:
   • No broker fees or commissions are paid from investor capital
   • Structuring fees are covered by the issuer
   • As a result, 100% of investor funds used for asset-backed investment

How SMARTNOTESTM Work

SMARTNotes^TM combine elements of traditional fixed-income investments with the security of asset-backed lending, offering investors a potentially attractive risk-return profile in the current market environment.

Investors purchase SMARTNOTESTM through an SPV, which then invests those proceeds in a company seeking financing through secured debt instruments. This structure provides a layer of protection for investors, as the SPV is separate from the underlying business and its potential risks. If the business encounters difficulties, investors are in a secured position to maximize recovery of their principal.

Conclusion

SMARTNOTESTM represent an innovative approach to debt instruments, combining the security of asset-backed lending with the potential returns of structured notes. By utilizing Special Purpose Vehicles (SPVs) and offering collateralized investments, SMARTNOTESTM can provide investors with a unique balance of risk mitigation and return potential.

Welcome to SMARTNOTESTM !