Benefits of Utilizing MFC

Credit Enhancement -- Few firms have worked as extensively as MFC has with the insurance industry to obtain all forms of surety bonds, insurance policies, undertakings and financial guarantees created to facilitate transactions which may not otherwise be market acceptable. These products may upgrade a client's credit, increase funding proceeds, decrease the loan interest rate, overcome regulatory requirements or mitigate risks that may be unacceptable to lenders.

MFC is a Lender -- MFC has maintained the role of lender to originate, structure and underwrite transactions for a pool of more than 35 major life insurance companies, MFC has no practical loan limit and provides an entire turnkey financing including construction and term funding.

MFC is a Financial Advisor -- MFC's experience in managing the financial divisions for banks and insurance companies, who make up the primary funding sources, insures that MFC's clients receive the most suitable transaction to meet their desired financial, accounting and tax goals combined with the lowest cost of funds.

Aggressive Pricing -- Pricing is competitive with the client's public bonds. Each client receives the most aggressive private placement debt pricing available pursuant to its credit quality and unique standing within its industry.

Alternative Debt Sources -- MFC is funded primarily with private placement debt from major institutional investors. MFC uses numerous proprietary financing structures and its large investor pool to fund transactions, enabling its clients to preserve availability of their bank facilities. MFC provides a significant supplemental source of long term funding, complementing the client's bank lines of credit.

Minimizes Lessor Equity -- For financing of property leased to credit tenants, MFC's credit tenant and bond lease financing structures substantially reduce or eliminate property owner equity requirements, resulting in more favorable terms to the client while also increasing the property owner's profitability potential by making more money available for other projects.

Flexibility and Control -- MFC's bond lease financings provide credit tenants with greater flexibility and control than is available with traditional real estate financings. MFC may not require construction loans or construction escrow arrangements, and documentation expenses are reduced.

Accounting Expertise -- MFC utilizes proven financing structures to achieve off balance sheet integrity, and its employees have an average of over 25 years experience in structuring transactions and negotiating with the major accounting firms.

Specialization -- MFC combines the disciplines of both finance and insurance, concentrating solely on structured finance and leasing. MFC's professionals have dedicated their careers to this specialty.

Documentation -- MFC possesses proven documents which may be used to reduce legal expenses and meet applicable regulatory requirements.