As a business advisor WGA takes a genuine and personal interest in the well-being and financial success of your business.
Today, scarcity of financial resources is the root cause of many businesses cracking under economic pressure. Irresponsible banks, financial institutions and private placement companies have allowed businesses to borrow beyond their capacity, inevitably leading to collapse. Alan Greenspan has stated that: â€śany informed borrower is simply less vulnerable to fraud and abuse, whichâ€ť is quite pertinent in this respect.
In all realms of life it takes courage to stretch limits and fulfill your potential â€“ it's no different in the financial realm. As a trustworthy financial partner, Western Gulf Advisory (WGA) believes that understanding market behavior is a keystone of wealth, leading to financial affluence and business growth.
WGA has a 10-year history of enhancing the financial standing of its clients by successfully drawing significant finances from its own wealth and investments for those who have sought its expertise. By facilitating cash flows up to USD 500 million - WGA enhances the credit status of clients and aligns market dynamics in their favour.
Our solutions are real and our expectations realistic. This is one of the reasons why WGA has continued to grow and expand in spite of the global economic crisis.
We are not in the business of percentages â€“ rather, we see ourselves as financial engineers of sustainable growth, and expertly assisting with the finances you need. Unlike most banks, we would not treat you as a borrower but as a potential business prospect for our investments. You will be dealing directly with us as investors. We provide investments on our own strength and do not practice the habit of outsourcing funds.
This holds many key advantages for our clients. Since our funding capability is not reliant on other external factors, unlike banks, we can confidently provide the required funds. Our clients have a greater prospect of seeing their funding needs met as compared to other providers in the market.
Through its own funds and wealth sustained by WGA shareholders, it is able to leverage its financial power to strengthen your business aspirations. Our past record is testimonial of our success in drawing significant finances for those who have sought our expertise. We are neither commission agents nor do we believe in taking undue advantage of your necessity. We simply harness the power to transform your financial inabilities into abilities and convert your weakness into strength through our own financial capabilities.
With WGA, you can be assured of completely transparent dealings with integrity â€“ no hidden costs, no bureaucracy, and no wastage of precious time. We welcome you to a dialogue where we can understand how our joint potential can unite to create a highly rewarding relationship.
WGA has provided corporate finance in areas such as Real Estate, Oil & Gas, Mining, Industrial Parks, Steel, Cement, Agriculture, Infrastructure, Energy, Healthcare, Electronics, Financial, Transport, Aerospace, Alternative Energy, Rubber, Fashion & Retail, Townships, Food & Beverage and the Film Industry.
WGAâ€™s range of packages in Corporate Finance is diverse and personalized. Please contact us for a more personal discussion.
What are the main terms of the loan, interest rate, security, LTV ratio?
The main terms of the loan are related to the viability of the business proposal as well as the due diligence conducted by WGA. We seek to ensure that the income and profit generation of the client would adequately satisfy our loan repayment.
Depending on the geographical area as well as other criteria, the interest rate would be 5-7%.
We would require collateral security of assets just like any other standard funding institute. Our standard of evaluating assets is quite competitive.
The LTV ratio would be 80%. However, this is just an indicative figure and WGA can go up to 110-120% LTV.
We provide senior debts only. Since our rates and processes are one of the most competitive and innovative, we expect our clients to have only WGA as its lending party and back it up with exclusivity contracts.
In case of any previous or existing loans from other parties, WGA will help you to swap these loans at a much competitive rate than the current loan.
WGA is not a commission agent, as we do not believe in taking undue advantage of your necessity. We are investors and our asset management service or activity is clearly limited solely to our shareholders .
Can you provide the names of the current clients with whom you are dealing?
Due to a non-disclosure agreement with which we are bound to our clients, we cannot reveal our borrowers. This is in the best interest of our clients, to protect their privacy. Under WGAâ€™s terms of confidentiality, we will not discuss any of our past, present or future clients.
We welcome clients to conduct due diligence on WGA as well as take legal opinion of experts before applying.
What is the time limit for debt financing and equity financing?
If both the parties are prima-facie satisfied with each other, an engagement agreement, mutual non-disclosure agreement and authorization letter to conduct due diligence are signed. It can take 14 to 16 weeks from this point to get the loan drawn down.
However, in some cases the time period maybe much shorter if all procedures are straightforward. Contrarily, in case of legal or geographical complications, the time period may extend to more than 16 weeks.
Why and how do you provide funds at such low rates?
WGA believes in providing innovative financing solutions. This means doing things differently so as to not burden our borrowers with heavy interest rates. We understand the pressure that is already on todayâ€™s businesses and industries. Conventional banks and financing institutions are not helping the situation with their cumbersome loan policies and a pathetic attitude to the borrowerâ€™s plight.
This is primarily due to their rigid approach to funding, which does not consider the human factor and stresses more on punishing the defaulters rather than helping them to avoid defaulting.
WGA provides direct funding to the borrowers without any intermediaries in the process. Unlike banks and financing institutions, we are not encumbered by heavy infrastructural overheads. We are therefore able to provide funds at much lower interest rates. Our philosophy is to manage the funds of our shareholders and invest in deserving needs such as maybe yours.