Invest with RUWACK TRUST

Lending Program

THERE IS NO GUARANTEE THAT THE TRUST WILL INVEST IN ANY PARTICULAR PROJECT OR OPPORTUNITY. FOR ANY NUMBER OF REASONS, THE TRUST MAY OPT AGAINST PURSUING ANY PARTICULAR OPPORTUNITY.

The Management will analyze and review a number of project investment opportunities on an ongoing basis.

Types of projects are commercial developments and acquisitions.  The TRUST, either directly or through special purpose vehicles,  will typically originate and acquire Commercial Loans that meet the following general criteria:

• Commercial Loans made primarily to third party borrowers as well as Ruwack Trusts’ affiliated entities for the acquisition of      commercial properties.
• The Commercial Loans originated and/or acquired will be secured primarily in the preparation of a structured loan transaction.
• A first lien position may be taken on another property owned  unencumbered by the Borrower as additional collateral to stand as      representation of their equity in the transaction.
• The Commercial Loans typically have terms ranging from 36 to 60  months and all loan applications should show an exit strategy between  36 to 60 months.
• The TRUST has the option to make direct Commercial Loans to an affiliate at the sole discretion of the Lending Manager.  Commercial      Loans made to an Affiliate will be underwritten to the same standards as  a Commercial Loan made to a non-affiliated Borrower. Commercial      Loans made to Affiliates will be structured as to securitize the  collateral as a tradable option.
• All construction transactions will be monitored and disbursed as directed by the submitted and approved project draw schedule.
• Borrowers are typically required to submit detailed documentation  detailing their experience in completing similar projects, as well as      satisfactory financial strength and credit worthiness at the sole discretion of the Lending Manager.
• If the Borrower is an entity, no personal guarantees from its principals shall be required.
• The TRUST will make preferred equity investments in select, commercial and multi-family properties, start-up and acquisitions of      manufacturing companies in targeted markets. While the TRUST will primarily invest in properties located in markets where the TRUST and its affiliates are located, the TRUST may invest in other markets at the Manager’s discretion.

For more information on the Lending Program contact:

Lending Manager
Phone: (336) 890-8001
Email: Lending@RuwackTrust.com