LBC Capital Income Fund, LLC Contents Overview: LBC Capital Income - - PowerPoint PPT Presentation
LBC Capital Income Fund, LLC Contents Overview: LBC Capital Income Fund . 3 The Funds Investments and Benefits . 4 A Compelling Market Opportunity
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Overview: LBC Capital Income Fund………………………………………. 3 The Fund’s Investments and Benefits………………………………………. 4 A Compelling Market Opportunity…………………………………….….. 10 The Expertise Factor…………………………………………………….……… 13 The Fund’s Portfolio and Performance……………………………….…...17 Key Information for Investors………………………………………….…… 20 How to Contact Us……………………………………………………….…….. 25
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THE PORTFOLIO: DIVERSIFIED, HIGH-QUALITY LOANS INVESTMENT OBJECTIVE: HIGHLY PREDICTABLE CASH FLOW WITH PRESERVATION OF CAPITAL TRACK RECORD: ANNUAL RETURNS OF 8% OR GREATER OVER THE PAST FIVE YEARS* STRONG ALIGNMENT OF INTERESTS BETWEEN FUND MANAGEMENT AND INVESTORS FUND MANAGEMENT: LENDING BEE, A TRUSTED NAME IN THE PRIVATE LENDING INDUSTRY
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Preferred Return
(cumulative, non-compounded)
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INDUSTRIAL MULTI-FAMILY HOUSING RESIDENTIAL (1 to 4 units) RETAIL
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PRUDENT LOAN-TO-VALUE RATIOS A Built-in Margin of Safety
Property Value
Maximum Loan Amount
70% of Property Value
The average loan-to-value ratio of the portfolio is under 55%.
Collateral Value in Excess of Loan
At least 30% of Property Value The Fund will
to 70% of a property’s value So even if property value were to decrease by 30%, the loan principal is still completely protected In case of a foreclosure, the property becomes an asset of the Fund and any rental income collected is distributed to investors. Any extra profit from the sale of the asset is distributed 50%/50% to investors and the Fund Manager.
EXPERT SELECTION CALIFORNIA FOCUS “BUSINESS PURPOSE” LOANS ONLY TITLE INSURANCE
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INVESTORS SEEKING PORTFOLIO DIVERSIFICATION OR, TOTAL RETURN OR, MONTHLY INCOME INVESTORS FUNDING A SELF-DIRECTED RETIREMENT PLAN INVESTORS WHO LIKE REAL ESTATE MONEY MANAGERS, RIAS, FAMILY OFFICES
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CALIFORNIA INVESTMENT-GRADE REAL ESTATE: A HUGE AND GROWING MARKET MASSIVE AMOUNTS OF FINANCING NEEDED BUT BANK FINANCING IS INCREASINGLY DIFFICULT TO OBTAIN
MARCH 16, 2017
YOUR MONEY MATTERS Bottom Line: There is a growing unmet need among real estate borrowers for both short-term and long-term real estate financing, particularly in the $100,000 to $2-million range. The LBC Capital Income Fund is well-positioned to meet this need.
OCTOBER 3, 2016
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LESS NEED FOR DEEP DILIGENCE ON BORROWERS
By limiting our lending to moderate loan-to-value ratios, we make sure borrowers lock-in a strong equity position in the value of the underlying property. This cushion protects our investors’ principal, so it is not necessary for us to perform the kind of extensive, time-consuming borrower underwriting that many of our competitors must.
STRONG NEGOTIATION POSITION
Because our borrowers typically need to access financing in a hurry, our ability to execute quickly puts us in a strong position to negotiate favorable terms for the benefit of our Fund investors.
EXPERTISE IN OUR MARKETS
A key reason we can speed up the underwriting process is that we lend primarily in California markets where we know the demographics, regulations, borrowers, and properties. In locales where we don’t have deep expertise, we maintain relationships with local real estate agents who are experts in their area and can give us quick, authoritative property valuations.
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Boris Dorfman Founder & Fund Manager Vladimir Isperov Chief Lending Officer Kevin Tenin VP Business Development
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ATTORNEY
Dennis Doss is the go-to legal expert on California mortgage finance and real estate offerings; a sought-after lecturer
CPA / AUDITOR
We ventured out of our local geographical area to find the most specialized expertise in mortgage banking
LOAN SERVICER
The largest servicer of private mortgage loans in the nation
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PROPERTY TYPE # OF PROPERTIES # OF LOCALITIES OUTSTANDING LOAN BALANCE Residential (1 to 4 units) 49 34 $11,660,925 Multi-Family Housing 3 2 $730,000 Industrial 4 4 $1,411,000 Retail 4 4 $1,200,000 Vacant Land 1 1 $250,000
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When an 8% annual return is reinvested each year and allowed to compound: ▪ The initial investment virtually doubles over the first 9 years… ▪ Quadruples over 18 years… ▪ Grows by more than 580% over 25 years.
(Net of fees)
$100,000 $150,000 2012 2013 2014 2015 2016 2017
8.58% 8.35% 8.21% 8.09% 8.36%
Yearly Returns*
$149,108
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Collateral Properties
INVEST LENDS PAYS MONTHLY DIVIDEND PAY STEADY INTEREST
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INVESTORS KEPT INFORMED ANNUAL AUDIT ACCESSIBILITY LIQUIDITY
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The Fund Fund Manager Maximum Fund Size Minimum Investment The Term of the Fund Fees Preferred Return Liquidity
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BORIS DORFMAN
FUND MANAGER
6350 Laurel Canyon Blvd. Suite 340 North Hollywood, CA 91606
bdorfman@LBCcapital.com
www.LBCcapital.com KEVIN TENIN
V.P. BUSINESS DEVELOPMENT
6350 Laurel Canyon Blvd. Suite 340 North Hollywood, CA 91606
ktenin@lendingbeeinc.com
www.LBCcapital.com
6350 Laurel Canyon Blvd. Suite 340 North Hollywood, CA 91606 818.761.7234 info@LBCcapital.com www.LBCcapital.com
6350 Laurel Canyon Blvd. Suite 340 North Hollywood, CA 91606 818.761.7234 info@LBCcapital.com www.LBCcapital.com