Finance Structuring
322 welcomes the opportunity to review a copy of your project summary or business plan. Upon receipt of your documents the advisory board will review and respond normally within three days although sometimes a response may be within a few hours.

In general potential clients should be prepared to submit a full package if the project is accepted and they want to continue further with the transaction.

The supporting documents typically requested for a full package are as follows:

1.  Executive Summary / Business Plan / Feasibility Study

2.  Use of Funds Illustration

3.  Last 3 Years Financial Statements Audited (if applicable)

4.  Cash Flow Projection (5 years)

5.  Profit & Loss Projections (5 years)

Typical clients are mid to large sized privately held and public corporations and municipalities. 322 will also consider growth stage companies and projects with a good product, a good market and good management, where the management is qualified and experienced and has a significant equity investment in the project.

Please submit an electronic copy of your business plan or summary to:

322,Inc
Project Finance Department
projectfinance@322inc.com

Investment Opportunities

Equitable Participation

322, Inc’s position with its prospect investors will be an equitable participation in three different ways:

1. The investor decides to have a silent position in the project. Investors return on their investment shall be 15-30% return after 24 months. This is due upon completion of the project.
    

2. Experienced investors have the choice to invest and participate with their money and credit to enhance the LTV ratios. 322, Inc utilizes investments to enhance and support adequate financial leverage to qualify the project for a construction loan. When applying for a construction loan the investment team brings in 20% to 25% of the total construction cost. The investment team uses their investment to leverage and obtain 90% of the construction loan from the bank, at interest rates of 7% to 8%. 322, Inc will not waist our investors time and money.
    

3. The third level of participation gives the investor a partnership percentage based on their investment, and the investor thereby assumes a percentage of risk in the projects profitability. As an example, if the investor invests a million dollars or more in a project, and their expectation is more than 20% in good market conditions, by participating in the risk the investor is rewarded accordingly. And conversely, in a negative market condition, the investor’s return will be diminished.

In conclusion, all the conditions and agreements shall be finalizes and signed by all participants before any work has started. Each project shall be a single independent entity. 322, Inc will be in charge of making and granting all contracts, building styles, spending limits, management fees, employees, other procedures, with no intervention from participating investors. There shall be no returning or refunding of any funds invested in the project before the final completion of the construction. The project will be deemed complete upon 100% sale of all units.

Investors will receive a percentage of stock equal to their dollar investment amount in the project. All stocks issued to silent partners/investors shall be deemed transferable and investors will be allowed to sell all or part of their stocks. 322, Inc will weigh all the risk on any project development, and shall not participate in any project development with less then 25% return on investments on an annual basis. 322, Inc shall be involved in every aspect of custom homes, apartment development, condominiums, subdivision, medical buildings, retirement homes, homes for the elderly, hotel conversions, sale/lease back, construction and mortgages.

322, Inc has a system of prices and ratios for every step of project development. The use of computer software for project management, ensures precise and efficient scheduling of times and dates for every construction supply delivery, work schedules, construction progress, and the ratio of work completed. This program also manages gross payments received, payments made for supplies, and the number of employees and Subcontractor’s and their work schedule, as well as the start and finish date of each phase of construction. This will keep on file the legal identification and all contact information, as well as their worker’s compensation insurance policies, for each project manger, subcontractor, and employee.