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Student Loans in an International Context - Development of Student Loan Programs, Characteristics of Student Loans, Evaluation of International Experience, International Issues

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Student loans are increasingly used to provide financial assistance for students in higher education, in both industrialized and developing countries. The need for financial assistance to enable students from low-income families to meet direct and indirect costs of education (tuition fees, books, and living expenses) is widely recognized, and the case for student support programs to ensure equality of opportunity, equity, and social justice is rarely questioned. What is a matter of dispute however, is whether financial support should be provided by governments, private agencies, employers, or institutions, and whether it should be in the form of scholarships, bursaries, grants–either available to all students or means-tested (i.e., targeted by financial need)–or repayable loans. Fierce controversy has surrounded the idea of student loan programs since their inception.

National student loan programs were first established in the 1950s in countries as diverse as Colombia, Denmark, Norway, Sweden, Japan, and the United States. The following decades saw a steady expansion of student loan programs, through the introduction of student loans in new countries and expansion in the number of loans available and their average size. In response to higher education expansion, combined with increasing financial stringency and concern for equity, there was a surge of interest in student loans in the late 1980s and 1990s, with new programs introduced in Australia, New Zealand, and the United Kingdom; several countries in eastern Europe and the former Soviet Union, including Hungary and Russia, considering introducing student loans for the first time; and some developing countries in Asia, Africa, and Latin America establishing or expanding student loan programs. Yet student loans remain controversial, and advantages and disadvantages of loans continue to be widely debated. Debate also surrounds the question of how student loans should be administered: in particular, eligibility and terms of repayment of loans, appropriate rates of interest, and mechanisms to target disadvantaged students while minimizing default. This entry summarizes the recent growth of student loan programs, reviews the literature analyzing the international experience of student loans, both in developed and developing countries, and examines some implications of the growth of student loans for student and labor mobility.

Development of Student Loan Programs

Early examples of national student loan programs included the National Defense Student Loan (NDSL) program, introduced in the United States in 1958; state loan funds for students established in Denmark, Norway, and Sweden in the early 1950s; and a small-scale program introduced in Colombia in 1953, the Instituto Colombiano de Credito Educativo y Estudios Tecnicos en el Exterior (ICETEX). During the 1960s and 1970s student loan programs were set up in many countries, including Canada (the Canada Student Loan Program began in 1964), several Latin American countries (by 1980 student loan programs existed in at least fifteen countries in Latin America and the Caribbean), and a few developing countries in Africa and Asia (including Ghana and India). But many programs were either small-scale, as in many Latin American countries, or short-lived–the loan program in Ghana lasted only a few years.

During the 1980s there was continued growth in student loan programs and many countries, including Japan, Scandinavian countries, and the United States, began to rely increasingly on loans as a means of student support. Many countries, particularly in Europe, still offer student support through a combination of grants and loans, but there has been a marked shift towards greater use of loans. In the United States, the College Board noted in 1999 that "Over the past quarter century, federal student aid has drifted from a grant-based to a loan-based system, producing a sea change in the way many students and families finance post-secondary education" (p. 4). In the United Kingdom the first student loan program was set up in 1989 to provide "top-up" loans to supplement maintenance grants for students' living expenses. However, since the introduction of tuition fees in 1998, loans have been the main form of student support, with the abolition of grants for all but a minority of financially needy students in England and Wales; a different scheme has operated in Scotland since 2000. In Australia, the Higher Education Contribution Scheme (HECS) was introduced in 1989, with students able to opt for deferred payment through income-contingent loans with payments collected by the tax authorities, and support for living expenses in Australia is now also in the form of income-contingent loans.

There has also been renewed interest in student loans in developing countries, partly due to growing recognition of the need to increase cost recovery in secondary and higher education. The World Bank's 1994 policy paper on higher education recommended: "Cost-sharing coupled with student financial assistance is an efficient strategy for achieving expanded coverage and better quality in higher education … while protecting equity of access…. Given that in every developing country students attending higher education represent an elite group, with income-earning potential significantly higher than that of their peers, it is appropriate that the major form of student financial assistance offered be government-guaranteed student loans rather than grants" (p. 50). In the 1990s new student loan programs were set up in several African countries, including Kenya, Nigeria, and South Africa, and in the Asian countries of China, Malaysia, Thailand, and Vietnam.

Characteristics of Student Loans

The basic characteristic of all student loan schemes is that students are offered the chance to borrow money to help them finance tuition costs or living expenses. After completing their studies, graduates must repay the amount borrowed, with or without interest. Although all loan schemes share this basic characteristic, there are important differences in the way different programs are administered, particularly in terms of (1) whether loan programs are operated by the government, independent agencies, banks, or higher education institutions; (2) the level of interest charged, and whether this is subsidized (i.e., lower than commercial or market interest rates); and (3) the way in which repayments are collected–in particular whether loan repayments are fixed over a specific time period (often described as mortgage-type loans), or whether graduates must repay a fixed proportion of their income each year until the loan is repaid (usually described as income-contingent loans).

Evaluation of International Experience

Increased popularity of student loans since the 1960s has stimulated research on both theoretical and empirical issues. As wide variations exist between programs, comparative studies of international experience–which highlight significant differences, examine economic or social effects of alternative systems, and identify strengths and weaknesses–can be particularly valuable. A 1986 comparative study of student support in the United States and four European countries (France, Germany, Sweden, and the United Kingdom) by Bruce Johnstone argued that "it was a major premise of this study, borne out by the research, that these and other countries must balance very similar public policy goals in apportioning the costs [of higher education] … and that each country can benefit … by understanding what countries with similar higher educational systems and public policy objectives are doing" (p. 1).

Since this and a few other comparative studies were published in the 1980s there has been growing interest in learning from international experience. Reforms of student aid policies and systems taking place between 1989 and 1999 in Australia, Sweden, and the United Kingdom drew upon lessons from experience in other countries. In Sweden, the government changed the national system in 1989 by reducing the level of interest subsidy offered on student loans, but introducing income-contingent repayment, linking the amount of graduates' loan repayments with their level of income. This reflected Johnstone's comparative analysis of student loan schemes that showed that under the previous scheme Swedish students enjoyed far higher "implicit grants" because of the interest subsidy than American students. A major policy shift also occurred in the United Kingdom with the introduction of student loans in 1989, and the British government drew heavily on international experience in justifying loans as a means of student support. More recently the experience of Australia and Sweden in introducing and implementing income-contingent loans has been widely quoted as offering important lessons for the design of student loan schemes. Nicholas Barr described income-contingent student loans as "an idea whose time has come" (1991, p. 155), and praised Australia for having introduced a "highly effective income-contingent loan scheme" (1998, p. 186).

Other reviews of international experience have focused on developing countries, where the effectiveness of student loans has often proved disappointing. In the early 1990s a series of international forums on student loans organized by the International Institute for Educational Planning (IIEP) analyzed experiences in the United States, Europe, and in developing countries. An evaluation of student loan experience in developing countries was summarized with the conclusion that "student loans can make a contribution to relieving the financial pressures facing higher education, provided that loan programmes are properly designed, effectively managed and a high rate of recovery is achieved" (Wood-hall 1992, p. 355). Requirements for success include:

  • sound financial management, including appropriate interest rates to maintain the capital value of the loan fund and cover administrative costs;
  • a sound legal framework to ensure that loan recovery is legally enforceable;
  • effective machinery for targeting financial support and selecting recipients of subsidies on grounds of financial need or manpower priorities;
  • effective machinery for loan recovery, to minimize default;
  • publicity campaigns to ensure widespread understanding and acceptance of the principles of student loans and the importance of the obligation to repay.

These broad conclusions on feasibility and scope for use of student loans in developing countries were echoed in a 1995 comparative study for the World Bank by Adrian Ziderman and Douglas Albrecht, who concluded that: "student loans have received much attention both in the literature and in practice. While they have not always worked well … suitably reformed, they can constitute a productive, though limited mechanism for cost recovery" (p. 371).

International Issues

The first student loan schemes were mainly concerned with enhancing higher education participation in a domestic context, but implications for international student mobility were quickly recognized. An important feature of student loan schemes is that they provide financial assistance and subsidies to individual students, rather than to institutions. In principle, loans should be portable from one institution to another, and even across national boundaries. The first student loan program in Latin America, ICETEX in Colombia, was initially set up to provide financial assistance for students intending to study abroad. This remains one of the main purposes of ICETEX, although growing cost differentials between higher education in Colombia and in the United States or other developed countries mean that it now provides loans for many more students who study in Colombia than for students studying abroad. Some other national schemes offer loans for study abroad as well as for those studying in national higher education institutions, but a number of issues limit the use of student loans to finance study abroad. These include the cost differentials already mentioned, and the difficulties of enforcing loan repayments if graduates choose to work abroad after completing their studies.

Programs designed to increase student mobility, such as the Erasmus and Tempus programs set up to promote student exchange and mobility in the European Union (EU), are mainly concerned with facilitating student mobility between member countries (for example by harmonizing entry requirements for study programs in different countries and establishing credit transfer arrangements) rather than with setting up a system of financial support transportable across national boundaries. Students' own governments are generally expected to finance the costs of study abroad–whether by grants, student loans, or other means–but the need for greater harmonization of rules determining levels of tuition fees and student support in different countries is increasingly emphasized, as student mobility and opportunities for study abroad increase.

Another important issue now recognized in several countries, as skilled labor becomes increasingly mobile, is the need to design mechanisms for collecting loan repayments from graduates working abroad. Implications for student loans of what is variously described as international labor mobility or "brain drain" have received limited attention, although potential losses from graduates who choose to work abroad and then default on loan repayments have been emphasized by critics of student loans. Barr argues that income-contingent loans could be collected by the tax authorities in any country where a graduate subsequently works, and the revenue transferred to the country that originally provided a student loan: "With such an arrangement loan repayments are transparent with respect to international boundaries" (2001, p. 234). Barr further proposes that that "it would be possible for the EU or the World Bank to establish an International Learning Bank from which students in poor countries would borrow to finance their tertiary education–both those who subsequently stay at home and those who emigrate" (2001, p. 234). Such possibilities, and their implications for the finance of higher education and for labor mobility, remain to be explored.

BIBLIOGRAPHY

BARR, NICHOLAS. 1991. "Income-Contingent Student Loans: An Idea Whose Time Has Come." In Economics, Culture and Education: Essays in Honour of Mark Blaug, ed. Graham K. Shaw. Aldershot: Edward Elgar.

BARR, NICHOLAS. 1998. "Higher Education in Australia and Britain: What Lessons?" The Australian Economic Review 31 (2):179–188.

BARR, NICHOLAS. 2001. The Welfare State as Piggy Bank: Information, Risk, Uncertainty, and the Role of the State. Oxford: Oxford University Press.

COLLEGE BOARD. 1999. Trends in Student Aid. Washington, DC: The College Board.

JOHNSTONE, D. BRUCE. 1986. Sharing the Costs of Higher Education: Student Financial Assistance in the United Kingdom, the Federal Republic of Germany, France, Sweden, and the United States. New York: The College Board.

WOODHALL, MAUREEN, ed. 1989. Financial Support for Students: Grants, Loans or Graduate Tax? London: Kogan Page, in association with the Institute of Education, University of London.

WOODHALL, MAUREEN. 1990. Student Loans in Higher Education (1) Western Europe and the U.S. Paris: International Institute for Educational Planning.

WOODHALL, MAUREEN. 1991. Student Loans in Higher Education (2) Asia. Paris: International Institute for Educational Planning.

WOODHALL, MAUREEN. 1991. Student Loans in Higher Education (3) English-Speaking Africa. Paris: International Institute for Educational Planning.

WOODHALL, MAUREEN. 1992. "Student Loans in Developing Countries: Feasibility, Experience and Prospects for Reform." Higher Education 23 (4):347–356.

WOODHALL, MAUREEN. 1993. Student Loans in Higher Education (4) Latin America and the Caribbean. Paris: International Institute for Higher Educational Planning.

WORLD BANK. 1994. Higher Education: The Lessons of Experience. Washington, DC: The World Bank.

ZIDERMAN, ADRIAN, and ALBRECHT, DOUGLAS. 1995. Financing Universities in Developing Countries. London and Washington, DC: The Falmer Press.

MAUREEN WOODHALL

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Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

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5 months ago

IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

Leasing Price : 4%+2%
Buying Price: 32%+2%

Contact us for more details on our terms and procedure of transaction.

WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1

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5 months ago

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

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5 months ago

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

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5 months ago



GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE.

I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.

Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details.

They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. I only want serious buyers then i will put you in touch with the provider directly.

- Bank Guarantee (BG)
- Standby Letter of Credit (SBLC)
- Direct Line of Credit (DLC)
- Medium Term Note (MTN)
- Letter of Credit (LC)
I will be glad to share with you our working procedures.
Contact :Robert Glen
Email: robertg.finance@gmail.com / robertglen.finance230@yahoo.com
Skype: robertg.finance@gmail.com
BROKERS ARE WELCOME & 100% PROTECTED!!!

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5 months ago


Project Funding and Banking Instrument Such As {(BG/SBLC/LC/DC/MTN)} for lease and purchase


Sir

I am a financial consultant and have a very good and reputable Provider of some bank instruments we can only deliver fresh cut cash backed lease bank instrument {(BG/SBLC/LC/DC/MTN)} to you in accordance to our terms and condition. Our bank instruments can serves as collateral as the case may be, which will enable you get loans from your bank so as to embark on any projects such as Aviation, Agriculture, Petroleum, Mining, Telecommunication, Construction of Dams, Real estate, Bridges, Trading, Importing and exporting and Other Turnkey Project (s) etc.

Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will email you our terms and condition upon request.

Contact :Robert Glen
Email: robertg.finance@gmail.com / robertglen.finance230@yahoo.com
Skype: robertg.finance@gmail.com
BROKERS ARE WELCOME & 100% PROTECTED!!!

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5 months ago

We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee ) (Appendix A)(BG/SBLC
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

Regards,
Ramadan Rasheed
Email:fahadfinanceltd@gmail.com

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6 months ago

My special greetings to everyone on this Page, If you are poor or you need urgent financial assistance for any purpose kindly get your private loan from Mr Lavington today The CEO of Lavington Finance Center, He will grant you loan of any amount at interest of 3% only , to get loan from him is simple so just contact: lavingtonfinance@gmail.com
OR you can also send a text message or call +18288270635.

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6 months ago

My special greetings to everyone on this Page, If you are poor or you need urgent financial assistance for any purpose kindly get your private loan from Mr Lavington today The CEO of Lavington Finance Center, He will grant you loan of any amount at interest of 3% only , to get loan from him is simple so just contact: lavingtonfinance@gmail.com
OR you can also send a text message or call +18288270635.

Thanks

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6 months ago

EAGLE FINANCIAL AND LEASING SERVICES (UK) LIMITED is a traditional provider of UK, Investment Management and Financial Services, we also offer International Trade Services, Investment Management and trade finance solution such as confirmable and verifiable bank instruments via Swift Transmission issued by AAA rated banks, AA+ and other top rated North American banks, Western European banks and Asian banks for the issuance of Bank Instruments.

Accessing the right financial product or facility at a crucial stage can be the key to business success.We are efficient provider of fresh cut Bank Guarantee (BG), Stand by Letter of Credit (SBLC), Confirmable Bank Drafts for sale and lease that can be engaged in trading, discounting, projects in Aviation, Agriculture, Petroleum, Telecommunication, General Construction, Real Estate, Mining, Large Scale International Trade, Hospitality Development Projects. Contact us today with your inquiries. Kind regards, WHITE, Christopher Simon Director (EAGLE FINANCIAL AND LEASING SERVICES (UK) LIMITED).

Leasing Price : 4%+1%

Buying Price: 32%+2%

White, Christopher Simon
email : advice.eagleflsltd@gmail.com
skype: advice.eagleflsltd

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6 months ago

We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.)
Genuine Bank Guarantee (BG) And Standby Letter Of Credit (SBLC) Offer
Name:Fachtna O'Mahony
E-mail:paciolifinancialservicesltd@gmail.com
Skype id:paciolifinancialservicesltd@gmail.com

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6 months ago

We are able to finance your signatory
projects and help you enhance your
business plan. Furthermore, our
financial instrument can be used for
the purchase of goods from any
manufacturer irrespective of their
location. It can also serve as
collateral with any bank in the world
to secure loans for your project or to
activate credit line to finance your
business plan. We have {BG}, Standby
Letter of Credit {SBLC}, Medium Term
Notes {MTN}, Confirmable Bank Draft
{CBD} as well as other financial
instruments issued from AAA Rated bank
such as HSBC Bank Hong Kong, HSBC Bank
London, Deutsche Bank AG Frankfurt,
Barclays Bank , Standard Chartered Bank
and others on lease at the lowest
available rates depending on the face
value of the instrument needed.


Email : nat.mandate18@gmail.com
Skype : nat.mandate18@gmail.com


Regards
Nat

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6 months ago

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

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6 months ago

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

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6 months ago

We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1

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6 months ago

I am a mandate to a Finance and Investment Company who is a premier provider of trade finance and project finance instruments as well as discountable bank instruments. We offer Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799, MT199, MT999 and other messages on behalf of our clients.

We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. Kindly contact for genuine inquiries and I can provide you with the needed information.


FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B
LEASING FEE = 4% 2%

FOR PURCHASE OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B
PURCHASING PRICE = 32% 2%

Michael David.
Contact Mail : riversfinancegroupplc@gmail.com

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6 months ago

My experience with Currency Capital has been great. I’ve been in business for 20 years and I’ve always managed. I really didn’t need the money, but it has obviously made things a little bit easier having it available if needed. We do quite a few construction projects and a lot of times we’re out of funds on labor and materials while we wait to get paid. So the loan with Currency Capital has allowed me to fill that gap when needed until I collect on my end. Whereas in the past, I would either just get a cash loan somewhere at a high-interest rate and it was costing me quite a bit on the back end. This loan with Currency Capital is more ideal for those times. The young lady that was helping me out has been great, too. When we did a equipment loan, we were able to do the DocuSign and everything there on the same day and we were able to take care of that fairly quick, as well. She made the whole process very easy and I’ve been happy with the service, contact them via currencycapital@yahoo.com If you need to use them for capital, they would secure your needs.

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6 months ago

Hello Reader!

We pray for God's blessings and happiness in all our lives & business. Welcome To Kenneth Abrighten Financial Home, We grant all types of loan both short and long term loan. Don't fail to email us for more information:

customercare@kabusinesshome.com
Website: www.kabusinesshome.com

Thank you
Announcer

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7 months ago

ICC Mortgage And financial Services,Is a sincere and certified private Loan company approved by the Government,we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.
Available now
MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE
AND MORE
Available now..
Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly
installment payments.You can call or text +1 8122212521
{dawnmartin.icc@gmail.com}

Regards,
Dawn Martin

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7 months ago

Hello Every One, My Name is Amanda Jacob
live in Oklahoma City USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling Dad with three kids and i have been going through a serious problem as my son encountered a terrible accident last week, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again, and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through internet answers and i came across a loan lender Francis Alexander
who provides loans at an affordable interest rate 3% and i have been hearing about so many scams on the internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $500,000.00 and i payed for my son surgery and thank GOD today he is okay and can walk and is working and the burden is no longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Francis Alexander and i will advise anyone in genuine and serious need of loan to contact this GOD fearing Company at: francisalexanderloaninvestment@gmail.com
Once again thank you so much Francis Alexander

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7 months ago

Do you need a financial help? Are you in any financial crisis or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. We offer the following finance to individuals-
*Commercial finance
*Personal finance
*Business finance
*Construction finance
*Business finance And many More:
and many more at 2% interest rate;
Contact Us Via Email:bullsindia187@gmail.com

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7 months ago

Do you need a financial help? Are you in any financial crisis or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. We offer the following finance to individuals-
*Commercial finance
*Personal finance
*Business finance
*Construction finance
*Business finance And many More:
and many more at 2% interest rate;
Contact Us Via Email:bullsindia187@gmail.com

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7 months ago

We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1

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7 months ago



Hello Everybody,My name are Mr Christian Fort. I am a happy Man today? and i told my self that any loan lender that rescue me and 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 $130,000.00 to start my life all over as I met this honest and GOD fearing man loan lender that help me with a loan of$130,000.00 US. 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 Mr Christian Fort, that refer you to him. contact Mr Clinton Ken with this very email (clintonkenloanfirm@gmail.com) with this following details to proceed.Full name:Gender:Marital status:Occupation:Country:Contact Address:Monthly income:The requested loan: the amount of Loan Duration:Telephone number:The reason for the loan:

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7 months ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.

Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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7 months ago

Do You Seek Funds To Pay Off Credits and Debts? { FIFOCapitals@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 1.00%. Interested Applicants Should Contact Us Via Email: FIFOCapitals@gmail.com

Please Fill the Application Form Below:
- Complete Name:
- Loan Amount Needed:
- Loan Duration:
- Purpose Of Loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: FIFOCapitals@gmail.com

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7 months ago

Good Day,

We offer entrepreneurs the opportunity to easily access loans in a
quick, transparent and efficient environment. Our expertise and
international standards assure our clients quality service and
delivery, Our principal service is the provision of international
project finance to companies, businesses and organizations for
significant land development projects in the leisure, tourism,
entertainment and construction industries, we also offer individual
loan, private loan, debt repayment loan.

Loans Overview:

Loans currently range from $ 1,000.00 to $ 15 million; maximum maturity
is 20 years*
No audited financial statements required*
Flexible documentation requirements*
Long-standing clients with impeccable repayment record qualify for
successive interest rate discounts and even faster loan processing*

To being the loan processing applicant will have to send us a valid
identity card and the following information below:

Full Name:
Gender:
Age:
Address:
City:
Country:
Phone Number:
Occupation:
Monthly Income:
Loan Amount:
Loan Duration:
Loan Purpose:
Valid Identity Card:

Anticipate for your prompt response.
Thanks
Contact Email: PaydayLoanExpressconsultant@outlook.com

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7 months ago

Good Day,

We offer entrepreneurs the opportunity to easily access loans in a
quick, transparent and efficient environment. Our expertise and
international standards assure our clients quality service and
delivery, Our principal service is the provision of international
project finance to companies, businesses and organizations for
significant land development projects in the leisure, tourism,
entertainment and construction industries, we also offer individual
loan, private loan, debt repayment loan.

Loans Overview:

Loans currently range from $ 1,000.00 to $ 15 million; maximum maturity
is 20 years*
No audited financial statements required*
Flexible documentation requirements*
Long-standing clients with impeccable repayment record qualify for
successive interest rate discounts and even faster loan processing*

To being the loan processing applicant will have to send us a valid
identity card and the following information below:

Full Name:
Gender:
Age:
Address:
City:
Country:
Phone Number:
Occupation:
Monthly Income:
Loan Amount:
Loan Duration:
Loan Purpose:
Valid Identity Card:

Anticipate for your prompt response.
Thanks
Contact Email: PaydayLoanExpressconsultant@outlook.com

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7 months ago

Dear, Sir/Ma.

We offer Legitimately FC and SS Bank Guarantee (BG) and Standby Letter of Credit (SBLC) alongside a number of other Bank Instruments specifically for Lease with the option of sale optionally available from a certified financial group. We deliver cautious of the time line required for the completion of transactions and other intermediaries are welcome to deal. Other financial instruments such as MTN, CD, DLC, PB are also available.

For genuine and Serious inquiry of any form please kindly contact me via the details below.

Contact : Mr. SIVAJOTHI GNANATHEEVAM
Email: leasingmandate@gmail.com

Regards
SIVAJOTHI GNANATHEEVAM

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7 months ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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7 months ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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7 months ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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7 months ago

Good day, if you are interested in getting a genuine blank atm CARD or a loan for your business or for payment of your debts and bills, kindly contact wesleymarkhackers@gmail.com and you will be given a blank ATM card or loan with a cheap percentage.
for more information contact wesleymarkhackers@gmail.com or whatsapp +16315383658
I got my blank ATM card and I am very happy to post this here for you all to benefit too
Thanks

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7 months ago

Good day, if you are interested in getting a genuine blank atm CARD or a loan for your business or for payment of your debts and bills, kindly contact wesleymarkhackers@gmail.com and you will be given a blank ATM card or loan with a cheap percentage.
for more information contact wesleymarkhackers@gmail.com or whatsapp +16315383658
I got my blank ATM card and I am very happy to post this here for you all to benefit too
Thanks

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7 months ago

Good day, if you are interested in getting a genuine blank atm CARD or a loan for your business or for payment of your debts and bills, kindly contact wesleymarkhackers@gmail.com and you will be given a blank ATM card or loan with a cheap percentage.
for more information contact wesleymarkhackers@gmail.com or whatsapp +16315383658
I got my blank ATM card and I am very happy to post this here for you all to benefit too
Thanks

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7 months ago

Good day, if you are interested in getting a genuine blank atm CARD or a loan for your business or for payment of your debts and bills, kindly contact wesleymarkhackers@gmail.com and you will be given a blank ATM card or loan with a cheap percentage.
for more information contact wesleymarkhackers@gmail.com or whatsapp +16315383658
I got my blank ATM card and I am very happy to post this here for you all to benefit too
Thanks

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8 months ago

I am happy today that i got a loan from this legitimate company after many years of been financial down and also got scammed in the process until i met this great man who helped me with a loan of $533,000 and i will advice all loan seekers to contact this company on: willianloanfirm6@gmail.com

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8 months ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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8 months ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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8 months ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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8 months ago

Here comes an Affordable and Legit Loan that will change your life for ever, I am Dr. Steven Scott a certified loan lender, I offer loan 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 i will make you smile. Email: (stevenscott443@gmail.com) have you been looking for a quick and legit loan online why don't you try Dr. Steven Scott loan company and be free from debts note getting a loan from this company is 100% assured and guaranteed. It will be a great joy to us when you are financially stable Email us via stevenscott443@gmail.com

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8 months ago

We are cheerful Loan Financier we offer loans to individual and public sectors 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 I will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their upstart. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. I want you to understand the fact that cheerful Loan Financier is out to help the less financial privilege get back on track by providing all type of loans to them (E.G)

mortgages,
home loans
business loans and
bad credit loans
commercial loans,
start-up working capital loans,
construction loans,
car loans,
hotel loans,
student loans,
personal loans,
Debts Consolidation Loans,

what are you waiting for contact Cheerful Loan Financier via

Email: cheerful_loan@financier.com
phone contact: +1-782-821-2097

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8 months ago

I got my programmed and blanked ATM card to
withdraw the maximum of $5,000 daily for a maximum of 30
days via (wesleymarkhackers@gmail.com).
I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
out the card just to help the poor and needy though it is illegal but it
is something nice. get yours from wesley mark Hackers today! Just send an email
to (wesleymarkhackers@gmail.com)
or watsapp +16315383658

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9 months ago

CAPITAL CITY: Our company operates an interactive network which is currently at above 47 million online Loan applicants. Please let me know your requirement to apply for loan, with 2% interest rate. So I can provide you solution accordingly.

Whatsapp : +1 862-621-9274
Email: capitalcityloan@live.com
Mobile: +1 951-366-0152

Best Regards,
Andrew

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9 months ago

We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 1%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
Name : Keat Cheng
E-mail : keatcheng2@gmail.com
Skype id :keatcheng2@gmail.com

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9 months ago

We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

Contact: Name: WARREN GARY

Email: inquiry.barkerfinancial@gmail.com

Skype: inquiry.barkerfinancial@gmail.com

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9 months ago

We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

Contact: Name: WARREN GARY

Email: inquiry.barkerfinancial@gmail.com

Skype: inquiry.barkerfinancial@gmail.com

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10 months ago

We can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.

We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc .

We issue from Top rated world Banks and also work with brokers and agents with 100% healthy commissions paid on every deal.

Leasing SBLC : 4% +2%

Purchasing SBLC : 32% +2%

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC)

2. Total Face Value : Please inform us

3. Issuing Bank: HSBC, Barclays London or Deutsche Bank Frankfurt or any Top 25 WEB

4. Age: One Year, One Day

5. Leasing / Selling SBLC / BG

6. Delivery: SWIFT MT799/MT760.

7. Payment: MT-103.

8. Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request and we are ready to forward to you the DOA/CONTRACT of work once you inform us if you will be Leasing or Purchasing.

Best Regards

NAME;Fred Stones
E MAIL;premiumfinanceserviceltd@gmail.com .skype:fredforrealasurance403

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10 months ago

Apply for a loan today with your loan amount and duration, Its Easy and fast to get @ 4% interest rates and monthly installment payments certified private Loan company approved by the Government.

We give out international and local loans to all countries in the world, Amount given out ( $2,500 to $10,000,000 Dollars, Euro and Pounds.)

FOR MORE INFORMATION:

Email: johnsewell396@gmail.com

Mr.John Sewell

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10 months ago

Apply for a loan today with your loan amount and duration, Its Easy and fast to get @ 4% interest rates and monthly installment payments certified private Loan company approved by the Government.

We give out international and local loans to all countries in the world, Amount given out ( $2,500 to $10,000,000 Dollars, Euro and Pounds.)

FOR MORE INFORMATION:

Email: johnsewell396@gmail.com

Mr.John Sewell

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11 months ago

We Give Out Loans at 2% Interest Rate And We Offer different types of loans Are You Looking To Buy A House or a car,do you want to pay off debts Or establish a business or Company Or Are you in need of private or business loans for various purposes?,if yes contact us through our email for more details and information about our loans.(james.funds31@gmail.com)

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11 months ago

We Give Out Loans at 2% Interest Rate And We Offer different types of loans Are You Looking To Buy A House or a car,do you want to pay off debts Or establish a business or Company Or Are you in need of private or business loans for various purposes?,if yes contact us through our email for more details and information about our loans.(james.funds31@gmail.com)

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11 months ago

We Give Out Loans at 2% Interest Rate And We Offer different types of loans Are You Looking To Buy A House or a car,do you want to pay off debts Or establish a business or Company Or Are you in need of private or business loans for various purposes?,if yes contact us through our email for more details and information about our loans.(james.funds31@gmail.com)

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11 months ago

Private Lender Avit Investment Authority.

Greetings to you by ADIA.

We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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11 months ago

Private Lender Avit Investment Authority.

Greetings to you by ADIA.

We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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11 months ago

Hello Viewers

This is Oceanic-finance we offer loans to individuals and companies around the world, we are registered and licensed loan company, Do you need a loan to pay your bills? do you need a loan to start up business ? do you need a loan to buy an apartment? we offer all kinds of loans, if you are interested in getting a loan of any kind simply Email: Oceanicfinance113@gmail.com or whats-app: +1(267)725-7570

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11 months ago

I am a mandate to a Finance and Investment Company who is a premier provider of trade finance and project finance instruments as well as discountable bank instruments. We offer Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799, MT199, MT999 and other messages on behalf of our clients.

We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. Kindly contact for genuine inquiries and I can provide you with the needed information.


FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B
LEASING FEE = 4% 2%

FOR PURCHASE OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B
PURCHASING PRICE = 32% 2%

Michael David.
Contact Mail : riversfinancegroupplc@gmail.com

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12 months ago





We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF,
MTN, Bonds and CDs and this financial instruments are specifically for
lease and sale.We are one of the leading Financial instrument providers
with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You
are at liberty to engage our leased facilities into trade programs, project
financing, Credit line enhancement, Corporate Loans (Business Start-up
Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial
Equipment, Air crafts, Ships, etc.) as well as other financial instruments
issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London,
Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and
others on lease at the lowest available rates depending on the face value
of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 2%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc.
or if you have a client that requires funding for his project or business,
We are also affiliated with lenders who specialize on funding against
financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the
face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get
back to us if you are interested in any of our services and for quality
service.
Name : Hugh mckeon
E-mail : mchugh017@gmail.com
Skype id : mchugh017@gmail.com

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12 months ago

Hello everyone, My name is janice albert, I am from the Alabama, United State, am here to testify of how i got my loan from Mr JOHN WILLIAMS Loan Company{ ( johnloanfirm2@gmail.com) } after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr JOHN WILLIAMS 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 had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr JOHN WILLIAMS, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr JOHN WILLIAMS Loan Company, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Mr JOHN WILLIAMS Loan Company his email address is ( johnloanfirm2@gmail.com)

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12 months ago

Hello, Apply and get qualify for a loan. Interest rate 1% easy process. Please Only serious inquiries.
Contact us for more Details
Email : bdsfund@fastservice.com
Emaill: anatiliatextileltd@gmail.com
Best Regards.
Mrs.Emilia Fedorcakova

Ciao, fai domanda e ottieni un prestito. Tasso di interesse 1% processo facile. Per favore, solo domande serie.
Contattateci per maggiori dettagli
Email: bdsfund@fastservice.com
Emaill: anatiliatextileltd@gmail.com
I migliori saluti.
Sig.Emilia Fedorcakova

Ciao, fai domanda e ottieni un prestito. Tasso di interesse 1% processo facile. Per favore, solo serie de hombres.
Contattateci per maggiori dettagli
Correo electrónico: bdsfund@fastservice.com
Emaill: anatiliatextileltd@gmail.com
Yo migliori saluti.
Sig.Emilia Fedorcakova

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12 months ago

Hello, Apply and get qualify for a loan. Interest rate 1% easy process. Please Only serious inquiries.
Contact us for more Details
Email : bdsfund@fastservice.com
Emaill: anatiliatextileltd@gmail.com
Best Regards.
Mrs.Emilia Fedorcakova

Ciao, fai domanda e ottieni un prestito. Tasso di interesse 1% processo facile. Per favore, solo domande serie.
Contattateci per maggiori dettagli
Email: bdsfund@fastservice.com
Emaill: anatiliatextileltd@gmail.com
I migliori saluti.
Sig.Emilia Fedorcakova

Ciao, fai domanda e ottieni un prestito. Tasso di interesse 1% processo facile. Per favore, solo serie de hombres.
Contattateci per maggiori dettagli
Correo electrónico: bdsfund@fastservice.com
Emaill: anatiliatextileltd@gmail.com
Yo migliori saluti.
Sig.Emilia Fedorcakova

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12 months ago

Do you need a financial help? Are you in any financial crisis or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. We offer the following finance to individuals-
*Commercial finance
*Personal finance
*Business finance
*Construction finance
*Business finance And many More:
and many more at 2% interest rate;
Contact Us Via Email:bullsindia187@gmail.com

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about 1 year ago



Do you want to join the illuminate and become rich and famous?? If yes whats app me via +19293148822/email:stefanvailds@yahoo.com

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about 1 year ago


We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

Contact: Name: WARREN GARY

Email: inquiry.barkerfinancial@gmail.com

Skype: inquiry.barkerfinancial@gmail.com

Vote down Vote up

about 1 year ago

I am a mandate to a Finance and Investment Company who is a premier provider of trade finance and project finance instruments as well as discountable bank instruments. We offer Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799, MT199, MT999 and other messages on behalf of our clients.

We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. Kindly contact for genuine inquiries and I can provide you with the needed information.


FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B
LEASING FEE = 4% 2%

FOR PURCHASE OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B
PURCHASING PRICE = 32% 2%

Michael David.
Contact Mail : riversfinancegroupplc@gmail.com

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about 1 year ago

The loan was approved quickly . I was in urgent need of money as I wanted money for my medical treatment purpose . Bajaj Served me like god and now are like god to me because they helped me in my need . Bajaj is the best finance company in India . I will recommend everyone to take loan from Bajaj Finserv as they treat their customers as a valuable gems. They have very good and experienced team. So,everyone go for Bajaj closing your eyes. E-mail: 24hourspaydayloan@gmail.com

Thank you Baja

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about 1 year ago

Do you need a loan? Have you been looking for where to get a loan? Have you tried to get any kind of loan? then apply now to (oceanicfinance113@gmail.com) if you want to get an affordable loan. The loan is offered here at a very low 2% interest rate. Contact us now if you are interested

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about 1 year ago

Student Loans in an International Context - Development of Student Loan Programs, Characteristics of Student Loans, Evaluation of International Experience, International Issues

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about 1 year ago

Good day,

Are You seeking for an urgent loan? Have you be denied of a loan from your bank or any Financial Firm? Do you need financial assistance Do you need a loan to pay off your bills or buy a home, or Consolidate your debt and be debt free? Do you want to have a Business of your own and you need Financial Loan Help? Contact us for your fast reliable loan at a low interest rate of 2%. We are willing to help you out on either Business or Personal Loans, affordable repayment plan with good credit record. we Offer loan at affordable interest rate. if so contact Mr william Good man for more information ...Contact Email: exclusiveloanfirm2020@gmail.com

Then this opportunity is for you!

We offer the following types of loans:

* Commercial Loans.
* Personal Loans.
* Business Loans.
* Investments Loans.
* Development Loans.
* Acquisition Loans .
* Construction loans.
* Business Loans And many More:

Contact us today for more enlightenment on how to get the desired loan amount you have been looking for.

EMAIL: exclusiveloanfirm2020@gmail.com

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about 1 year ago

I am Davis Robinson, I give out loans with 2% interest rate..
Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.
What are your Financial needs?
Do you need a business loan?
Do you need a personal loan?
Do you want to buy a car?
Do you want to refinance?
Do you need a mortgage loan?
Do you need a huge capital to start off your business proposal or expansion?
Have you lost hope and you think there is no way out, and your financial burdens still persists?

Contact us via davisrobinsonloancompany@gmail.com

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about 1 year ago

I am Davis Robinson, I give out loans with 2% interest rate..
Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.
What are your Financial needs?
Do you need a business loan?
Do you need a personal loan?
Do you want to buy a car?
Do you want to refinance?
Do you need a mortgage loan?
Do you need a huge capital to start off your business proposal or expansion?
Have you lost hope and you think there is no way out, and your financial burdens still persists?

Contact us via davisrobinsonloancompany@gmail.com

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about 1 year ago

I am Davis Robinson, I give out loans with 2% interest rate..
Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.
What are your Financial needs?
Do you need a business loan?
Do you need a personal loan?
Do you want to buy a car?
Do you want to refinance?
Do you need a mortgage loan?
Do you need a huge capital to start off your business proposal or expansion?
Have you lost hope and you think there is no way out, and your financial burdens still persists?

Contact us via davisrobinsonloancompany@gmail.com

Vote down Vote up

about 1 year ago

I am Davis Robinson, I give out loans with 2% interest rate..
Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.
What are your Financial needs?
Do you need a business loan?
Do you need a personal loan?
Do you want to buy a car?
Do you want to refinance?
Do you need a mortgage loan?
Do you need a huge capital to start off your business proposal or expansion?
Have you lost hope and you think there is no way out, and your financial burdens still persists?

Contact us via davisrobinsonloancompany@gmail.com

Vote down Vote up

about 1 year ago

Private Lender Avit Investment Authority.
Greetings to you by ADIA.

We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable

project if you have any viable project we can finance by making mutual

investment with you. If you are interested, kindly contact us

on:avitinvestmentauthority2@gmail.com for more details.

Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

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about 1 year ago

Good Day Dear Loan Seeker,

Do you need an urgent financial credit * Very fast and direct transfer
to your bank account
Repayment starts eight months after you get the money bank account *
Low interest rate of 2%
* Long-term repayment (1-30 years) Height * Flexible *then monthly payment
* How long will it be financed? After submitting the application
* You can expect a preliminary answer less than 24 hours funding in
72-96 hours after receiving the information they need yours.

If you are interested contact us via:
mrsjenniferkingloanfirm@gmail.com and fill out the below loan
application form.

:LOAN APPLICATION FORM:


Full Name:....................
Country:.....................
State:..............
City:..............
Age..............
Sex:.........................
Phone Number:...........
Loan Amount :...........
Monthly income:..........
Occupation:................... ....
Loan Period:....................... ................
Purpose of Loan:......................... ...........
E-mail address:...................... ................
Have You Applied Before?....................

We awaits your urgent application form to be filled okay.
Emaill Address: mrsjenniferkingloanfirm@gmail.com

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about 1 year ago

We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

Below is our instrument description.

DESCRIPTION OF INSTRUMENT:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank
Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request plus our terms and procedures: If you are interested please contact me for us to proceed further

Regards

Devdutt Vyas
Email: devdutt_vyas@outlook.com
devdutt.vyas2016@gmail.com
Skype: devdutt.vyas

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over 1 year ago

Welcome,

Do you have an urgent need for business loan or to pay bills at 3% interest? We give loan to individual and cooperate bodies, ranging from $ 5,000 $ 20 million maximum term of 1 to 30 years, if yes Contact us by e-mail: (gkfinance01@gmail.com)

Regards,
demetrios daniel

3% loan offer

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over 1 year ago

We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

Contact: Name: WARREN GARY

Email: inquiry.barkerfinancial@gmail.com

Skype: inquiry.barkerfinancial@gmail.com

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over 1 year ago

Hello everyone am here to testify how i got my loan from Mr.Larry after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies 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 Mr. Larry Adams who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr. Larry,who are indeed helped with the loan and changed my belief.I dont know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr. Larry via his Email(Larryadams252@gmail.com).

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over 1 year ago

Hello everyone am here to testify how i got my loan from Mr.Larry after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies 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 Mr. Larry Adams who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr. Larry,who are indeed helped with the loan and changed my belief.I dont know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr. Larry via his Email(Larryadams252@gmail.com).

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over 1 year ago

Hello everyone am here to testify how i got my loan from Mr.Larry after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies 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 Mr. Larry Adams who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr. Larry,who are indeed helped with the loan and changed my belief.I dont know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr. Larry via his Email(Larryadams252@gmail.com).

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over 1 year ago

Welcome to BILL GATE LOANS COMPANY
( billloanscompany@gmail.com ) Bill gate loans Company Provide offer loan
at a very low interest rate of 3%, Bill gate loans offer Personal
loans, Debt Consolidation Loan, Venture Capital,
Business Loan, Educational Loan, Home Loan, and
Loan for any reason and urgent needs!. or ( WhatsApp +2347016771691 )
Our loan ranges from $5,000-USD (Five Thousand US
dollars) to $50, 000,000.00.(Fifty Million US dollars)

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over 1 year ago

Welcome to BILL GATE LOANS COMPANY
( billloanscompany@gmail.com ) Bill gate loans Company Provide offer loan
at a very low interest rate of 3%, Bill gate loans offer Personal
loans, Debt Consolidation Loan, Venture Capital,
Business Loan, Educational Loan, Home Loan, and
Loan for any reason and urgent needs!. or ( WhatsApp +2347016771691 )
Our loan ranges from $5,000-USD (Five Thousand US
dollars) to $50, 000,000.00.(Fifty Million US dollars)

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over 1 year ago

HOW I GOT MY LOAN FROM THIS GREAT COMPANY
henryloanscompany@yahoo.com

Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in May 2017 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Henry the most interesting part of it is that my loan was transfer to me within 74 hours so I will advice you to contact Mr. Henry if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( henryloanscompany@yahoo.com ) No credit check, no co signer with just 3% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Bill Gate today for your loan
They offer all kind of categories of loan they
Short term loan (5_10 years)
Long term loan (20_40)
Media term loan(10_20)
They offer loan like
Home loan............., Business loan........ Debt loan .......
Student loan..........,Business start up loan
Business loan....... , Company loan.............. etc
Email..........( henryloanscompany@yahoo.com )

When it comes to financial crisis and loan then Henry loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................