Thursday 29 January 2015

Will Lynas survive its financial crisis?

Lynas’ financial status prior to 30th September 2014

In late September 2014, Lynas was due to repay Sojitz USD$35 millions. Besides that it has to set aside funds to cover the operating losses in the current quarter of no less than USD$ 10 millions. Given the cash in hand it has no way of meeting the obligations. The threat of a loan repayment default and a possible foreclosure loomed high in the horizon! Should their senior creditor Sojitz refuse to agree to a DEBT REPAYMENT RESTRUCTURING, they would have to consider stopping the operations in LAMP! Though Lynas had engaged the service of Nomura bank of Japan to negotiate with Sojitz, they failed to broker a deal with Sojitz. Sojitz later agreed to a new schedule of repayments at the last minute but extracted an additional 7% interest on the amounts payable.

Desperate moves to raise funds

Meanwhile Lynas commissioned Patterson Securities of Australia to underwrite the following new issues as a way out of their financial straits:

1. Underwrite 150 million new shares at AUD $ 0.080 to pay the USD$ 10 millions due to Sojitz.

2. Issue renounceable rights shares at the ratio of 15:4 to all existing shareholders at AUD$0.080 per share to raise another AUD$71 millions as operating expenses. This exercise is again underwritten by Patterson Securities. The total number of shares added came to 887,500,000 shares. Only a third of the total shares issued were taken up by the shareholders.

3. Lynas was keenly aware that it might not be able to borrow or raise funds through issuance of new shares in the coming months thus an underwriters’ rights option was included in the September 2014 offer at the ratio of 2:1 at AUD$0.090 per share exercisable before the 15th September 2015. This is expected to bring in another AUD $66 millions by adding another 740,226,191 shares to the total. The current total shares in trading stands at 3,370,955,034(3.3billion). Should the underwriters’ rights options be fully subscribed, it will eventually expand the total shares to 4,111,181,225! The practice of unrestricted issuance of shares to raise funds by corporate companies like Lynas has drastically diluted the worth of the current shareholders. It has also affected the interest and confidence of potential investors! This perhaps, helps to explain why the current share price of Lynas remained low. This week’s share price closed at 5.5 cents.

Current status at the end of 3rd quarter 2014

At the end of the 3rd quarter 2014, Lynas managed to raise AUD$83 millions to defray expenses on repayment of loan and maintain adequate funds for operating expenditures in subsequent quarters.

The 3rd quarter’s financial report by the management saw a reduction in operating losses narrowed down to AUD$ 10 millions compared to the preceding quarter of 30 millions. Whether the report was skewed in any way to paint a good picture for the company as well as shoring up shareholders’ confidence on the new CEO, the investment community will be the better judge of it and let’s wait for their 4th quarterly report before we make any further comments.

The crucial factor that will determine Lynas’ survival rests on the REO market price. Lynas has admitted that the current market price does not favour a full capacity production. Under the current market conditions, Lynas is only able to make a thin profit through sale of NdPr (Neodymium and Praseodymium) while sustaining losses in other types of RE they processed. Given an annual production of 22,500 tons, NdPr only account for a total of 2,800 tons. This works out to only 12.7% of the total volume of REO Lynas produced each year. The profits from the sale of this 12.7% will be used to subsidize the losses incurred through the sale of the other REOs.

What this means is the funds they have in hand will be depleted much more quickly following each month they are in operation. Their promise to supply an annual volume of 8,500 tonnes of REO to Sojitz seems plausible judging from the production volume of the September quarter. However this will also mean they would have to set aside a larger sum of funds to cover their enlarged losses. How much is this quantum is yet to be revealed. We will only be able to catch a glimpse of it when they publish their fourth quarterly report for 2014.

How long can the funds in hand last?


With the renewal of the 2-year TOL, Lynas has to pay AELB USD$ 7.79 millions. This is approximately equivalent to AUD$ 8 millions. This will reduce the total funds remaining to AUD$63 millions.

Lynas has hinted obliquely in their past reports to ASX and shareholders that they have to set aside funds to repair the cracking and leaching as well as the finishing areas of LAMP. The fact that they have to sell off 190 tonnes of semi-finished NdPr in Chloride form and suffered a revenue reduction of USD$2 millions to the total demonstrated the urgency to get the units up and running in the ensuing quarter. The December report will reveal how much has been spent to get the units up and running. The statement that they are able to produce their final products close to 99.9% of the specifications their client demanded is ambiguous. Even Molycorp has to send its products (the heavy REE) to China for final finishing!

The operating losses (if any) for the December quarter is still unknown. Only a close scrutiny of their report will reveal how the remaining funds in their hands will be used in the coming months, not forgetting that they have senior debt obligations to fulfill every three months starting March 2015. One conclusion seems to be obvious is that they expect the current funds will last till or before the underwriters’ rights option expires on 15th September 2015.

Circumstances under which LAMP will be forced to close


We have to be realisitic in our evaluation on the circumstances under which LAMP will probably stop its operations. Let us take a sober look at all the possible scenarios:

1. Lynas’ cash in hand runs out and they have no choice but to default on their loan repayments to Sojitz.

Sojitz took out a court order to liquidate Lynas’ current assets. LAMP will be included in the list and it has to stop operating while waiting for the court to appoint a liquidator.

2. Lynas is ordered by the Malaysian Government to fulfill the condition of locating a PDF.

Lynas would then have to allocate a certain sum to locate a suitable PDF and no one can be sure how much this will be. It will eat into the cash reserves they have in hand. Plus the interests on both their loans ,whatever is left may not see them last till end of June 2015 perhaps.

(This is not likely to happen for Lynas has proposed to recycle the WLP into road base aggregates (RB4) and the proposal was accepted by AELB in mid June last year. ( This can be found in their June 2014 quarterly report) Currently it has received proposals from third parties to recycle the other two streams of solid wastes. By agreeing to Lynas’ proposal for the WLP usage, it will exempt Lynas from finding a PDF.

Should our Government close both eyes to the timeline when it will be put into practice, Lynas will not need to spend any money on dealing with its WLP wastes. All its remaining cash can then be used fully to keep the loss making operations running.)

3. Our Judicial Review's (JR’s) prayers were answered.

This will mean the TOL will be revoked and LAMP has to stop operating. However Lynas will appeal and before the case is heard in appellate court it can continue its operations.

4. Should Lynas be forced to stop operating due to cash shortage, some lender(s) of last resort may lend them the money to carry on while hoping that the REE market will turn round.

This is a highly risky adventure for any private financial organization. Only a foreign government like Japan might be interested in injecting the necessary funds into Lynas to keep it running just to break China’s stranglehold on the RE market.

Confronting the reality we have a serious problem of how to get Lynas and our government to act on the safe disposal of the radioactive waste.

This is something all have to think about. By waiting for the market to ‘kill’ Lynas, we still have to come up with a proposal that will ensure the waste left behind will not pollute our environment permanently.

26 comments:

  1. Good Day !!

    I am Hwa Jurong, a Reputable, Legitimate & an accredited money
    Lender. I want to use this medium to inform you that i render reliable beneficiary
    assistance as I'll be glad to offer you a loan at 2% interest rate to
    reliable individuals.

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social
    security and no credit check, 100% Guaranteed!) I Look forward permitting me to
    be of service to you. You can contact me via e-mail:hwajurong382@yahoo.com hwajurong12@gmail.com
    Yours Sincerely,

    Hwa Jurong(MD).

    ReplyDelete
    Replies
    1. I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help

      Delete
  2. HOW I GET A LEGIT LOAN @ 2% INTEREST RATE
    I am a mum of three little kids. When i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find MARIA HAUSTIN Loan company (mariahaustin@hotmail.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact MARIA HAUSTIN Company with mariahaustin@hotmail.com For easy and safe transaction.

    *Full Name:_________

    *Address:_________

    *Tell:_________

    *loan amount:_________

    *Loan duration:_________

    *Country:_________

    *Purpose of loan:_________

    *Monthly Income:__________

    *Occupation__________

    *Next of kins :_________

    *Email :_________

    Contact her company Via Email: mariahaustin@hotmail.com

    ReplyDelete
  3. Do you Need Personal Loan?
    Do you Need Business Loan?
    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    email:(fastestloaninvestment@gmail.com)

    Fill The Application Form.

    1)Full Name:
    2)Country:
    3)State:
    4)Address:
    5)Sex:
    6)Occupation:
    7)Amount needed:
    8)Loan duration:
    9)Loan purpose:
    10)Telephone
    fastestloaninvestment@gmail.com)

    ReplyDelete

  4. Have you been looking for a loan?Do you need an urgent personal or business loan?I received the sum of $3,000.000 some days ago after been scammed of $8500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $3,000.000.Feel free to contact the company for a genuine financial service. Morris and Company Trust Fund Limited is located in Canada (morristrustfundlimited@hotmail.com) Canada +16477393756 He is a trust worthy man. Thank you sir.

    ReplyDelete
  5. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  6. my name is Mrs.Rachel Alex from singapore few months back i was financially strained i rushed to my bank to apply for a loan to start up my business but i was denied by my bank because of my credit score and they could not help and due to my desperation i was scammed by several online lenders who promised to help me but at the end i was scam i lost my money and my hope because i was so frustrated, One day when i was going through the internet again i found one lender call Mrs.Irene Query i thought to give it a try one more time to my biggest surprise she was able to lend me a secure loan totally the amount of $300,000 for the first time in my life i realize that there are few lender who don't scam people her name is Mrs.Irene Query i will advice any body that are in need of loan to contact him with his Email (mrsirenequery@gmail.com) he can be able to help you because he was a God sent to me this year and i will never forget him for the help he render to me. contact him via email:(mrsirenequery@gmail.com) Thank you.

    ReplyDelete
  7. my name is Mrs.Rachel Alex from singapore few months back i was financially strained i rushed to my bank to apply for a loan to start up my business but i was denied by my bank because of my credit score and they could not help and due to my desperation i was scammed by several online lenders who promised to help me but at the end i was scam i lost my money and my hope because i was so frustrated, One day when i was going through the internet again i found one lender call Mrs.Irene Query i thought to give it a try one more time to my biggest surprise she was able to lend me a secure loan totally the amount of $300,000 for the first time in my life i realize that there are few lender who don't scam people her name is Mrs.Irene Query i will advice any body that are in need of loan to contact him with his Email (mrsirenequery@gmail.com) he can be able to help you because he was a God sent to me this year and i will never forget him for the help he render to me. contact him via email:(mrsirenequery@gmail.com) Thank you.

    ReplyDelete
  8. Good day Sir/Madam,

    This is Central Trust Micro Financial Service International…We are a reputable, legitimate & Registered Company. Approved by the United kingdom (UK) and South Africa Government to assist people with loan financial assistance local and international at this particular period of year 2017,We are also part of the finance company and money rendering firm. We help in encouraging and act as facilitator to reduce your financial stresses at a very encouraging rate We also offer international jobs opportunities for all jobs seeker. We give out Loans to individuals and cor-operate body in need of financial assistance at ones convenience with a reasonable interest of 4.9% Do you have a bad credit or you are in need of money to pay bills? Apply now with us and Our friendly team will do all the paperwork for you. They can even tailor payments to suit your monthly budget, We wire loans to approved Clients via : 1-Western Union, 2-Money Gram, 3-Bank Certified Check, 4-Bank to Bank transfer, 5-Online Banking. You can quickly contact us if you are despirately in need of financial assistance.


    We await for your quick response.

    Services Rendered include:

    Refinance Loan
    Home Improvement Loan
    Inventor Loans
    Salary Advance Loan
    Asset Finance Loan
    Educational Loan
    Child Support Loan
    Auto Loans
    Debt Consolidation
    Line of Credit
    Xmas Loan
    Second Mortgage
    Business Loans
    Personal Loans
    International Loans
    Best secured loan
    Cash Loan
    Low cost Loan
    Internet Loan
    Cheap Loan Rate
    Lifestyle Loan
    Joint Loan
    Equity Loan
    Small Loan
    Direct Loan
    Finance Loan Money
    Home Owner Loan
    Bank Loan

    Whatever your financial requirement are, A Loan from Central Trust Micro Financial Service will always help. No social security and no credit check, 100%Guaranteed. We Look forward permitting us to be of service to you. Sincerely, We await your Quick Respond. Central Trust is a trading style of Central Trust Micro Financial Limited. Central Trust Limited Address: Cassiobury House, 11-19 Station Road, Watford, Hertfordshire, WD17 1AP. Registered Office: St Crispin's House, Duke Street, Address No: 16 Fielding Way 16 Fielding Way , East London, Eastern Cape, (South Africa) SA Registered Office: St Crispin's House,Norwich, Norfolk, NR3 1PD. Registered in England: 07020381, VAT number 765353512 Authorized and Regulated by the Financial Conduct Authority under number 631303, You should kindly contact us via our Email address: Info.Centraltrust.co.uk.za@financier.com or Centraltrustmicro-finance.uk.za@outlook.com, We await your respond to help you solve your financial problems....




    ReplyDelete
  9. Good day Sir/Madam,

    This is Central Trust Micro Financial Service International…We are a reputable, legitimate & Registered Company. Approved by the United kingdom (UK) and South Africa Government to assist people with loan financial assistance local and international at this particular period of year 2017,We are also part of the finance company and money rendering firm. We help in encouraging and act as facilitator to reduce your financial stresses at a very encouraging rate We also offer international jobs opportunities for all jobs seeker. We give out Loans to individuals and cor-operate body in need of financial assistance at ones convenience with a reasonable interest of 4.9% Do you have a bad credit or you are in need of money to pay bills? Apply now with us and Our friendly team will do all the paperwork for you. They can even tailor payments to suit your monthly budget, We wire loans to approved Clients via : 1-Western Union, 2-Money Gram, 3-Bank Certified Check, 4-Bank to Bank transfer, 5-Online Banking. You can quickly contact us if you are despirately in need of financial assistance.


    We await for your quick response.

    Services Rendered include:

    Refinance Loan
    Home Improvement Loan
    Inventor Loans
    Salary Advance Loan
    Asset Finance Loan
    Educational Loan
    Child Support Loan
    Auto Loans
    Debt Consolidation
    Line of Credit
    Xmas Loan
    Second Mortgage
    Business Loans
    Personal Loans
    International Loans
    Best secured loan
    Cash Loan
    Low cost Loan
    Internet Loan
    Cheap Loan Rate
    Lifestyle Loan
    Joint Loan
    Equity Loan
    Small Loan
    Direct Loan
    Finance Loan Money
    Home Owner Loan
    Bank Loan

    Whatever your financial requirement are, A Loan from Central Trust Micro Financial Service will always help. No social security and no credit check, 100%Guaranteed. We Look forward permitting us to be of service to you. Sincerely, We await your Quick Respond. Central Trust is a trading style of Central Trust Micro Financial Limited. Central Trust Limited Address: Cassiobury House, 11-19 Station Road, Watford, Hertfordshire, WD17 1AP. Registered Office: St Crispin's House, Duke Street, Address No: 16 Fielding Way 16 Fielding Way , East London, Eastern Cape, (South Africa) SA Registered Office: St Crispin's House,Norwich, Norfolk, NR3 1PD. Registered in England: 07020381, VAT number 765353512 Authorized and Regulated by the Financial Conduct Authority under number 631303, You should kindly contact us via our Email address: Info.Centraltrust.co.uk.za@financier.com or Centraltrustmicro-finance.uk.za@outlook.com, We await your respond to help you solve your financial problems....




    ReplyDelete
  10. BEST LOAN OFFER, APPLY NOW.

    Apply for a low interest Business/Personal loans to pay your bills or start your own
    business. If interested, contact us via email : info@globalfundingsolution.net with
    amount needed, duration to pay back loan, your email and location and you will be
    contacted by the loan firm.

    Company services include the following:

    * Personal Loans (Secure and unsecured):
    * Loans for business (secure and unsecured):
    * Student Loan:
    * Debt Consolidation loan:
    * Combination Loan :
    * Construction loans :
    * Home Loan :
    * Auto Loan :
    * Mortgage Loan :
    * Business Loan :

    We give out Personal Loans at the range of $ 1000 to $500000 while Business
    Loans are given out from the range of $10000 to $50000000 and this loan
    is been given out to individuals from duration of 1 year to 20 years.

    NOTE: You are to reply directly to our office email address: info@globalfundingsolution.net

    ReplyDelete
  11. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

    We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)


    Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. we offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)


    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans


    Yours Sincerely,
    Dr. Maverick Leonidas
    +1 (424)704-8035

    ReplyDelete

  12. My name is James from North Carolina and i am so grateful to Mark Armstrong from Honest Loan Firm. I just got a loan of $130,000.00 from them, they are indeed honest in everything they do concerning loan transactions. Email: honestloanfirm11@outlook.com

    ReplyDelete
  13. DO YOU NEED AN AFFORDABLE BUSINESS LOAN OR XMAS LOAN TODAY?

    We have provided over $20 Billion in business loans to over 30,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $1 Billion.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Vasquez Reynolds Loan Home is the answer. Reduce your payments to ease the
    strain on your monthly expenses. Email (vasquezreynoldsloanhome@gmail.com)


    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.We are certified and your privacy is 100% safe with us. Worry no more about
    your loans or finances.


    Yours Sincerely,
    Dr. Vasquez Reynolds
    +1 (619)473-5227

    Get your instant loan approval

    ReplyDelete
  14. Hello Am Mr Paul Moritz, Legitimate and reliable loan lender. I give out loans on a clear and understandable terms and conditions at 3% interest rate. I give out Business Loans, Personal Loans, Student Loans,Car Loans And Loans To Pay Off Bills. If you need a loan what you have to do is for you to contact me directly immediately now at: paulhelpfund@yahoo.com

    God Bless You.

    Regards,

    Mr Paul Moritz
    Email: paulhelpfund@yahoo.com

    ReplyDelete
  15. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Jayden Martin
    +1 (929)277-5237
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


    Get your instant loan approval

    ReplyDelete
  16. CAPITAL LOANS LLC
    We provide personal loans for debt consolidation, bad credit loans, secure loans, loans for bad credit and instant secured loans with cheap rates. Do you have a firm or company that need loan to start up a business or need a personal loan, Debt consolidation? We will provide you with loan to meet your needs.

    Note: We offer the following loan services
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans etc
    For more information contact us through our Email: capitalloansllcfunding@gmail.com

    ReplyDelete
  17. EASY LOAN PROGRAM 
    During these uncertain economic times, many people are finding themselves faced with a situation where they could use some financial assistance. Whether it be for an emergency, home improvement, consolidating debt or even a family vacation – a low interest personal loan is a safe and reliable way to meet your financial needs. At Alta Finance LLC, we specialize in Reliable and efficient Loan funding program. Contact us today using our company email: altafinancellcfunding@gmail.com or via text +1 702 805-0119

    ReplyDelete
  18. Hello Everyone,

    Welcome to the future! Financing made easy with Dr. Everett Cooper.

    Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Dr. Everett Cooper. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.

    Our services include the following:

    *Refinancing Loans
    * Car Loan
    *Truck Loans
    * Home Loan
    * Mortgage Loan
    * Debt Consolidation Loan
    * Business Loan [secure and unsecured]
    * Personal Loan [secure and unsecured]
    * Students Loan and so many others.

    For more info;
    Contact us via Email: (everettcooperloans@gmail.com) Phone +1(347)-937-7455

    ReplyDelete
  19. Are you in financial crisis, looking for money to start your own business or to pay your bills?
    GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
    We sell this cards to all our customers and interested buyers worldwide,Tho card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS.
    **WHAT WE OFFER**
    *1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
    *2)BANKS LOGINS*
    *3)BANKS TRANSFERS*
    *4)CRYPTO CURRENCY MINNING*
    *5)BUYING OF GIFT CARDS*,
    *6)LOADING OF ACCOUNTS*
    *7)WALMART TRANSFERS*
    *8)BITCOIN INVESTMENTS*
    *9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD*
    *10)BANK HACKING*
    email blankatmmasterusa@gmail.com
    you can also call or whatsapp us Contact us today for more enlightenment

    +1(539) 888-2243
    WE ARE REAL AND LEGIT...........2019 FUNDS/FORGET ABOUT GETTING A LOAN..

    IT HAS BEEN TESTED AND TRUSTED

    whatsapp only ===>>   +1(539) 888-2243

    ReplyDelete

  20. With our specialized positions, you will get money for everything you need. Find out more: clemalphafinance@gmail.com what's app +44-7424223395 Get money for anything within 48 hours from € 5,000 to € 1,000,000 at the rate of 3%

    ReplyDelete
  21. DO YOU THINK OF GETTING A LOAN??
    APPLY TODAY FOR AFFORDABLE 100% LEGITIMATE HOME/REAL ESTATE/PERSONAL/BUSINESS LOANS Email for immediate response: (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689


    DO YOU NEED A LOAN? Are Financially down, Cry no more, Financial problem is nothing to cry about, it something we will have to fight against in one Love, Understanding, Trust and Unity. So our faith as Legitimate Financial Consultants is putting an end to the financial hardship. We are investors providing financial services and we specialize in both start up projects,Home Finance and existing businesses needing funding or Loan for expansion. We are committed to helping businesses develop and succeed.Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need an urgent loan to buy a house? If Yes worry no more for we are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. We offer loans ranging from ($5,000.00.USD To $500,000,000.00.USD) At a low and affordable interest rate of 2%, without collateral and without credit check. Bradley Louis Loans holds all of the information about how to obtain money quickly and painlessly (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689

    Need emergency funds? Apply now and get your cash approval. we offer the following financial services:
    *Personal loans,
    *Debt consolidation loans,
    *Venture capital,
    *Business loans,
    *Education loans,
    *Home loans
    *Car Loans
    *Hotel Loans
    And many more.

    Are you looking for genuine loan? contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate? Are you in any financial mess or do you need funds to start up your own home project and real estate development? Do you need a loan to start a nice small or large scale and medium business?
    contact us today (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689
    Look forward to your response,

    Dr. Bradley Louis
    Text/Call (917) 383-2689

    ReplyDelete
  22. FOR QUICK, AFFORDABLE AND RELIABLE BUSINESS/HOME/REAL ESTATES/COMPANY/PROJECT/PERSONAL LOAN OFFER WITHOUT COST/STRESS CONTACT US TODAY VIA Call/Text +1(415)630-7138 Email drbenjaminfinance@gmail.com

    We are authorized financial consultants providing reliable loans to individuals and funding for business, home, personal and projects start up. Are you tired of seeking loans or are you in any financial mess. Do you have a low credit score, and you will find it difficult to get loans from banks and other financial institutions? then worry no more for we are the solution to your financial misfortune. we offer all types of loan ranging from $5,000.00 to $533,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 35 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? If Yes worry no more for we are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. Contact us on the following Call/Text +1(415)630-7138 Email drbenjaminfinance@gmail.com

    Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? BENJAMIN LOAN INVESTMENTS FINANCE aims is to provide excellent professional financial services which include the followings
    *1* Personal loan
    *2* Business loan
    *3* Home loan
    *4* Farm Loan
    *5* Education loan
    *6* Debt consolidation loan
    *7* Truck Loan
    *8* Car Loan
    *9* Eviction Loan
    *10* Equipment Loan
    *11* Hotels Loan
    *12* Refinancing Loan and many more

    NOTE: GET YOUR INSTANT LOAN APPROVAL 100% GUARANTEED TODAY NO MATTER YOUR CREDIT SCORE. drbenjaminfinance@gmail.com

    ReplyDelete
  23. PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!!

    Hey Guys!!!Am so happy I got my blank ATM card can withdraw € 2,000 daily. I got it from Her last week and now I have €14,000 . The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on . I am really happy i met him because i met two people before her and they took my money not knowing that they were scams. But am happy now. He sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card, She is giving it out for to help people even if it is illegal but it helps a lot and no one ever gets caught. i'm grateful to him because he changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. His email address is : int.hackers002@gmail.com

    ReplyDelete
  24. Do you need an urgent loan of any kind? Loans to liquidate debts or need to loan to improve your business have you been rejected by any other banks and financial institutions? Do you need a loan or a mortgage? This is the place to look, we are here to solve all your financial problems. We borrow money for the public. Need financial help with a bad creditor in need of money. To pay for a commercial investment at a reasonable rate of 3%, let me use this method to inform you that we are providing reliable and helpful assistance and we will be ready to lend you. Contact us today by email: daveloganloanfirm@gmail.com Call/Text: +1(501)800-0690 And whatsapp: +1 (315) 640-3560

    NEED A LOAN?
    Ask Me.

    ReplyDelete
  25. TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com

    I am Mrs,Leores Jazbel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com

    When it comes to financial crisis and loan then BENJAMIN LOAN INVESTMENTS FINANCE is the place to go please just tell him I Mrs. Leores Jazbel direct you Good Luck.......................

    ReplyDelete