About Aliant Investment Group Ltd. cbc "Direct Investment Bancorp"
Aliant Investment Group Ltd. cbc aka AIG Ltd. Commercial Bancorp is a Delaware chartered Private commercial Bancorp.
AIG operates under the industry banner of what is known as a "Direct Investment Bancorp", underwriting debt and other commercial capital finance on a Correspondent Portfolio basis to its client base.
As a Direct Banking Corporation AIG maintains no traditional branch office locations . Clients conduct their business with the company through a nationwide referral network by direct online, teleconference and telephonic service(s).
Direct Banking:(Definition & Summary)
A Direct Investment Bancorp is one without a traditional brick & mortar branch office network that offers its underwriting services remotely via online and electronic operation(s).
By eliminating the high costs associated with branch offices, the Direct Investment Bancorp provides superior and streamlined services directly and through its Correspondent and referral network, that result in more flexible and cost efficient underwriting programs and reduced client service charges.
The concept of the Direct Investment Bancorp gained prominence with the advent of online Banking technology in the early 1990's which led to a number of such operations being established. Organizations such as Capital One, Connexus, BOI USA and ALLY to name just a few who also operate in this same industry space.
Since the mid-2000's direct online and telephone banking have become a mainstay of the commercial retail banking trade; their core services transforming traditional brick and mortar operations and overhead of the branch office network to take advantage of and expand the technology and services that have spawned this growing direct/digital industry standard.
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About Aliant Investment Group Ltd. cbc (AIG LTD.) / The Company & its services
AIG LTD. is a privately chartered Direct Commercial Banking Corporation. As a wholesale / retail Correspondent Portfolio Direct Banking Corporation we have been underwriting real estate, business capital, equipment, and debenture debt financing to small, medium, and large sized companies for over 25 years.
AIG LTD. underwrites all types of conventional debt instruments on a wholesale-retail basis, including real estate and commercial finance debt, new business capital requirements and start-ups as well as acquisition of going concerns. We also underwrite debenture capital finance to select market groups for qualified projects on a Portfolio Correspondence basis, nationally and internationally, as qualified.
At AIG LTD, each project is considered on its own merit and pre-qualified to specific Portfolio / Product guidelines. These guidelines are provided to us through our relationships with our Correspondent Investor Portfolios. This provides us access to numerous capital sources, providing us with competitive wholesale / retail pricing and market sensitive underwriting guidelines with which we pre-qualify potential clients.
AIG LTD reviews project transactions, conventional and otherwise for proposed finance, beginning at 5mm and upward. Our ability to understand a client’s needs and structure suitable finance parameters to meet their goals has been the key to our longevity in the private commercial and investment banking industry.
AIG LTD originates and maintains its client base solely on a network referral qualified project specific basis. We are not open to the general public. This policy is permits us to interface on a select basis, assist consulting companies, capital & business brokers, marketing firms, and development companies who have clients that are seeking investment or debt capital for existing and start-up operations. In addition, we also assist clients who are undercapitalized or in an accelerated growth period.
AIG LTD offers a broader base of finance underwriting including but not limited to: Private Placement Debenture Capital Finance, asset/securities, based debt and debt guaranty products (all on a qualified basis) to its clients. We are geared to the perspective needs of a client in a number of ways:
1. Loans are underwritten on a project/credit qualified basis.
a. Funds are qualified for proposed loans through AIG wholesale floor plan Correspondent Portfolios that originate from Insurance, Pension, and related wholesale monetary supplier Correspondents and private capital finance markets, both primary & secondary.
b. Proposed loans are originated, underwritten/financed by/through AIG as qualified, and closed and serviced / released to AIG Correspondent Portfolios and/or its capital finance investors.
2. We are technically advanced, maintaining state-of the-art hardware and software systems that are market competitive to debt and finance investment products, structure, analysis, and underwriting.
3. Our pre-qualification systems allows us to establish fixed parameters prior to a project underwriting, which provides further client assurance and Portfolio pre-qualification.
4. All underwriting is completed by AIG, its Sr. Underwriting staff and Portfolio Analysts to risk acceptable product programming and in conjunction with standard commercial UCC guidelines; this two-step process provides complete qualified analysis in all project areas.
In addition to Debenture Capital Debt Finance & Debt AIG LTD also provides services in a variety of other areas. These range from conventional commercial purchase and refinance guaranty programs to business capital and leasing and Proof of Funds depository services for client seeking business equity enhancement support.
Ancillary Services:
> Servicing private placement loans, management services for those clients with real estate portfolios as well as providing equity financing for those projects that are under-capitalized.
> Finance services are available both in the continental United States, Canada, and Europe.
> Other services that are available to our clients include the development of p2p loan/trust portfolios. These represent private sources of client funds, which are contracted to AIG LTD for use in the commercial loan market. They are loans made to select AIG LTD clientele, and in qualified instances, guaranteed principal & interest by U.S. government securities as applicable.
All clientele are originated and selectively screened and their proposed project(s) pre-qualified, through the AIG Referral Correspondent Network, prior to any engagement of formal services or pre-qualifications being performed. This affords AIG LTD the opportunity of maintaining a higher grade of clientele, and the continuation of a higher standard of service excellence.
As a private Commercial Banking Corporation we are chartered to conduct business in the capacity of the purchase and resale of commercial Debt and Private Placement finance correspondent capital, underwriting directly, and in conjunction with our wholesale and Correspondent Portfolios.
AIG LTD operates in a correspondent capacity, performing all primary underwriting/disbursement functions (as applicable) as well as management and servicing needs of the client requisite to need.
Also under our charter, AIG LTD maintains a business-to-business relationship with Prudential-Bache securities. This relationship is utilized to complete transactions in the format(S) of the purchase and sale of all Bank issued instruments as well as U.S. government instruments on a client direct basis, to be used as collateral instruments for qualified finance requests. AIG does not buy or sell securities. This service is provided on a client direct basis as may apply for the sake of collateral for proposed finance.
BUSINESS AND HISTORICAL INFORMATION / POLICIES & PROGRAM
1978 - Company formation Under private Banking Corporation Charter. Company purpose: Correspondent Portfolio Banking Corporation in the Private Banking sector.
1980 - Company expansion from Residential / Commercial finance to mid-market commercial finance; one million-to-5-million-dollar asset-based underwriting.
1983 - Company expansion into upper market commercial finance; 5 million dollars and upward.
2002 - Business expansion and reorganization of assets of Banking Corporation Charter to include equity and private debenture capital investment finance underwriting.
2014-15 - Reorganization for expansion of the company Debenture debt finance portfolio capital assets utilized for underwriting commercial finance both in the EU and United States. Reorganization of the AIG Ltd. Commercial Bancorp charter completed Jan. 2015.
The company maintains direct Portfolio and wholesale/retail correspondent lending relationships throughout the United States with conventional lending institutions, insurance companies, and private capital portfolios on a standard floor plan platform basis.
The company markets and originates its client base through a nationwide network of registered referral correspondents. All services not performed by AIG are sub-contracted to field specialists. The philosophy behind a smaller core business operation with numerous sub-contractors enables the firm to employ people and services that individually and collectively share their knowledge and expertise as required on any individual client project. This approach is not only cost effective, but also permits the company to underwrite more effectively, expanding and strengthening client relationships.
AIG Ltd. is organized to originate, process, qualify, underwrite, close and service loans, on a qualified case basis, through its wholesale/resale Portfolio Correspondents in all areas of the commercial finance market nationwide and internationally (as qualified and chartered). Proposed loans are underwritten by AIG with servicing released post closing and AIG maintaining client/loan management as qualified.
The firm additionally underwrites debenture debt capital finance. AIG also services private placement loans, provides management services for those clients with real estate portfolios and/or investment accounts, writes its own finance products as well as handles creative financing for non-conforming loan transactions.
The firm provides services in the areas of legal, title, appraisal, accounting work-up and analysis. These services are sub-contracted on a project-by-project basis (as required), insuring maximum exposure to knowledge and expertise in all related financing areas.
Clientele are also originated on a referral basis from Title companies, Law firms, Lending institutions, and accounting firms and alike. Potential clients are selectively screened and projects and/or investments pre-qualified, affording AIG the credit of maintaining a high-grade clientele, providing personal attention as is required as well as continuing a high standard of excellence in the marketplace with its Investors.
Underwriting / Cost Policies:
Underwriting is provided on a standard UCC Point cost basis and broken down into two distinct categories: (a) standard UCC underwriting commitment fee costs and (b) UCC premium fee and/or point costs.
A. Standard Underwriting commitment costs are paid by the client at acceptance of an underwriting commitment agreement and are a one-time non-refundable cost credited to total premium (loan point) cost(s) (credits applies to debt finance only) as qualified.
B. Total Point costs are calculated on an individual basis and take the form of a percentage of the net finance amount, ranging on average from one to three percent on debt and up to .60%, qualified on a case basis, for debenture debt capital finance. Balances, less the pre-paid commitment fee cost (pro-rated), are paid at loan closing (debt financing only).
Financing types:
Finance underwriting is available for start-up and existing business operations and is provided both here in the Continental United States as well as overseas (on a case qualified basis). The following list will give you a cross section of the finance underwriting(s) that the company is engaged in:
- Sale-leaseback financing
- Debenture Capital debt finance for start-up expanding companies, nationally &
internationally (on a qualified basis)
- Equipment financing, Purchase and Lease
- Commercial construction
- Hotel finance
- Business capital finance
- Asset based conventional debt lending
- Maritime & Aircraft (floor plans available on a qualified basis)
- Inventory finance
- Bond / Credit enhancement guarantees for project financing
- Accounts receivable finance
- SBLOC Instruments
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Please contact us at: information@aliantltd.com to discuss your financing needs.
A word about Website Presence:
A lot is said about and many a perceived credibility hung in the balance over the existence of a company’s website presence. AIG has been in business for over 23 years.
Our website is designed to present the reader with straight forward information in a straightforward manner.
We actively seek clients that are market ready and require the type of debt and investment dollars that we have the availability to underwrite. We welcome your inquires and look forward to the opportunity of conducting business with you and making you a part of our select client base.
For further information please contact us by telephone or email at:
Telephone: 1-302-476-9510
or by email at: information@aliantltd.com
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Disclaimer: All information published on this website subject is to change without notice and/or market variations. Please check regularly for the most up-to-date information.
Thank you.
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