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3b loan
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Brother Philbert
Imperial Academy
Amarr Empire
#1 - 2013-03-19 07:38:23 UTC
I am currently looking for a loan for 3 bil isk. this will be used to fund the purchase of capital component BPO's to allow for the use of my recently purchased freighter BPO (currently in research

Collateral is not currently available as all my assets are locked down and/or in research

Full api key for the character will be available so you can see the funds are being used as described, as well as to show that my current ship manufacturing can cover the loan.

Currently this is planed to run for 2 months however I may seek to extend the term on some/all of the investment if i have not freed up the funds to pay back the initial capital however the interest will continue to be payed until investors are payed back in full.

Interest will be payed on the 1st of each month with a final interest payment being made with the return of the capital. (regardless of if a full month has passed)

please let me know if you have any questions regarding this.
Candy Oshea
Techfree Investment Group
#2 - 2013-03-19 07:55:02 UTC
Use Copies & budget them into your end price.

Loaning isn't necessary then, it will probs be cheaper than paying interest.

iCandy  - I have accidently swallowed some Scrabble tiles, my next shit could spell disaster!
Blueprint Seller
Bring Me Sunshine
#3 - 2013-03-19 08:10:29 UTC
Brother Philbert wrote:
I am currently looking for a loan for 3 bil isk. this will be used to fund the purchase of capital component BPO's to allow for the use of my recently purchased freighter BPO (currently in research

Collateral is not currently available as all my assets are locked down and/or in research

Full api key for the character will be available so you can see the funds are being used as described, as well as to show that my current ship manufacturing can cover the loan.

Currently this is planed to run for 2 months however I may seek to extend the term on some/all of the investment if i have not freed up the funds to pay back the initial capital however the interest will continue to be payed until investors are payed back in full.

Interest will be payed on the 1st of each month with a final interest payment being made with the return of the capital. (regardless of if a full month has passed)

please let me know if you have any questions regarding this.

Is there an interest rate that I cannot see buried somewhere in this?

Candy Oshea wrote:
Use Copies & budget them into your end price.

Loaning isn't necessary then, it will probs be cheaper than paying interest.

Manufacturing components from BPCs would be roughly equivalent to taking out this loan at 5% if you manufacture in a station.
Candy Oshea
Techfree Investment Group
#4 - 2013-03-19 08:20:16 UTC
Blueprint Seller wrote:

Candy Oshea wrote:
Use Copies & budget them into your end price.

Loaning isn't necessary then, it will probs be cheaper than paying interest.

Manufacturing components from BPCs would be roughly equivalent to taking out this loan at 5% if you manufacture in a station.


Im sure he could broker a better deal than 5% for BPC if he was a regular. *thanks for the numbers dude* i figured as much

in any case, No bueno.

iCandy  - I have accidently swallowed some Scrabble tiles, my next shit could spell disaster!
Blueprint Seller
Bring Me Sunshine
#5 - 2013-03-19 08:42:42 UTC
Candy Oshea wrote:
Im sure he could broker a better deal than 5% for BPC if he was a regular.

Possibly. I just used my own retail prices as the basis of my calculation.

5% is a worst case scenario to prove that taking out a loan would be an error. I would need more information in order to calculate the precise extent of the error. A 3B loan would not purchase the full set of capital component BPOs required for production so we have to assume that some have already been purchased, which makes the loan even less wise.