Investor Confidence & Security:

TCF prioritizes investor security by adhering to stringent loan procedures and guidelines that align with best practices established in the European Union, UK, and USA. Our funds are highly securitized, meaning they are backed by real estate and financial assets, providing a strong layer of protection for our investors.

Investment Benefits:

• High Potential for ROI: Bridge loans typically carry higher interest rates compared to traditional financing, offering a lucrative opportunity for capital partners seeking attractive returns.
• Diversification & Risk Mitigation: Real estate investments provide diversification benefits and can act as a hedge against inflation. TCF’s diversified portfolio of projects further mitigates risk.
• Secure & Compliant: Our strict loan procedures and highly securitized funds align with best practices established in the EU, UK, and USA, guaranteeing investor security.

Join Us in Shaping the Future of Polish Real Estate:

We invite you to explore the exciting world of bridge lending with TCF. Contact our team today to discuss investment opportunities and learn how your capital can contribute to the growth and development of Poland’s thriving real estate market.

Our mission is to provide tailor-made financing solutions that meet the diverse needs of our clients. With a team of seasoned professionals and a strong foundation in the Polish real estate market, TCF is poised to become a leader in the field, offering transparent and secure investment opportunities.

FAQ Frequently Asked Questions

What is the primary business of Trust Capital Fund (TCF)?

• Trust Capital Fund (TCF) is a private bridge lender specializing in providing short-term, asset-based loans to businesses and real estate developers in Poland.

What is the typical loan duration offered by TCF, and what is the possibility of extension?

• TCF offers loans typically lasting 6 to 12 months, with the possibility of an extension for an additional period.

What is the main type of collateral TCF requires for its loans?

• TCF primarily requires liquid real estate assets, such as apartments, houses, and commercial properties, as collateral for its loans.

Key factors driving the bridge lending market in Poland?

• Three key factors driving the bridge lending market in Poland are: the country’s robust economic growth, a flourishing real estate sector, and the demand for flexible, short-term financing options.

What is TCF’s competitive advantage compared to traditional banks in Poland?

• TCF offers faster loan approvals and more flexible lending criteria compared to traditional banks in Poland, making them a more attractive option for time-sensitive deals and businesses needing quick capital.

Ways TCF mitigates risk in its lending practices?

• TCF mitigates risk by conducting thorough due diligence on potential borrowers, including financial statement analysis, credit history checks, collateral assessment, and verification of the loan’s purpose.

What is TCF’s primary target market for its loan products?

• TCF primarily targets real estate developers, investors, and businesses requiring short-term capital for projects and expansions.

Besides Poland, name two countries identified as potential markets for TCF expansion?

• Two potential expansion markets for TCF are Estonia and Ireland. Estonia offers a strong startup ecosystem with companies seeking funding solutions, while Ireland boasts a rapidly growing market with a strong technology and service sector demanding flexible financing.

What is one key aspect of TCF’s sales strategy to attract new clients?

• TCF leverages a network of account managers and brokers to reach potential clients, offering competitive commission structures and support to facilitate loan placements.

What is TCF’s plan for growth in terms of monthly capital over the next few years?

• TCF plans to increase its monthly influx capital from double this amount each subsequent year.

INVESTORS AND INSTITUTIONAL FUNDING

A comprehensive Business Plan is available upon request

Trust Capital Fund Business Plan: A Summary

The following table of contents provides a comprehensive overview of the Trust Capital Fund Business Plan, highlighting the company’s mission, expertise, and strategic plans for achieving sustainable growth in the dynamic bridge lending market

I. Executive Summary

• Provides a concise overview of Trust Capital Fund (TCF), outlining its mission, vision, and key objectives.
• Details the company’s history, highlighting its roots in successful bridge lending operations in Poland over the past decade.
• Outlines the company’s ambitious growth plans, including projected loan volumes, interest rates, and expansion into European markets.

II. Bridge Lending Landscape in Poland

• Analyzes the current state of the bridge lending market in Poland, emphasizing the robust economic growth and flourishing real estate sector as key drivers.
• Highlights the critical gap that TCF aims to fill by providing flexible, short-term financing solutions not readily available through traditional banking channels.
• Emphasizes Poland’s economic resilience and growth potential, particularly in major urban centers, making it an attractive market for bridge lending.

III. Trust Capital Fund: Company Profile

• Explores TCF’s core values, focusing on its commitment to professionalism, integrity, and exceeding client expectations.
• Emphasizes the company’s dedication to tailoring bespoke bridge funding solutions secured by real estate and financial assets.
• Reiterates TCF’s ambition to become a dominant force in the Polish market within five years, followed by strategic expansion into other European countries.

IV. Management Team and Expertise

• Profiles each member of the TCF leadership team, highlighting their extensive experience and unique skillsets that contribute to the company’s success.
• Jakub Król, CEO: Possesses 25+ years of financial industry leadership, specializing in strategic business growth, client relationship management, and financial strategy.
• Mariusz Malinowski, Board Member: 15+ years in financial security, with expertise in risk management, anti-fraud procedures, AML, and KYC compliance.
• Rafał Tomaszewski, CMO: Brings marketing expertise, client relationship management, real estate knowledge, and a strong network within the Polish financial sector.
• Ruud Straat, CIO: Provides international investment expertise, focusing on securing capital for TCF’s growth plans through strategic analysis and investor relations.

V. Case Studies: Demonstrating TCF’s Capabilities

• Showcases three successful loan projects executed by the TCF team, illustrating their ability to handle diverse client needs and complex transactions.
• Case Study 1: Strategic Land Acquisition and Development – Provided €2.36M loan for resort redevelopment, demonstrating TCF’s understanding of complex projects and collateral structures.
• Case Study 2: Strategic Expansion in Rzeszow’s Food Industry – Offered a customized PLN 500,000 loan for a restaurant expansion, highlighting TCF’s ability to move quickly and support entrepreneurs.
• Case Study 3: Bridge Loan Powers International Trade Expansion – Facilitated a PLN 950,000 loan for inventory procurement in the import-export sector, emphasizing TCF’s flexibility and responsiveness to time-sensitive business needs.

VI. TCF Loan Products and Pricing

• Details TCF’s specialized loan products designed to address the specific financing needs of various borrower segments.
• Outlines the flexibility of TCF’s bridge loans, typically lasting 6 to 12 months with potential extensions, secured by real estate and financial assets.
• Explains TCF’s loan pricing model, which includes interest rates starting at 20% annually and fees associated with loan extensions.
• Notes that TCF conducts thorough risk assessments based on collateral value and borrower creditworthiness to determine loan amounts and terms.

VII. TCF Operational Plan: Procedures and Risk Management

• Outlines the stringent procedures TCF employs for loan processing and risk management, ensuring responsible lending practices.
• Details the five key steps of their meticulous loan approval process: Client Application, Initial Assessment, Legal Verification, Loan Agreement, and Disbursement.
• Emphasizes the importance of robust credit assessments, thorough due diligence, and clear policies for loan disbursement, monitoring, and collection.

VIII. TCF Legal Framework and Security Mechanisms

• Provides a detailed overview of the legal framework governing TCF’s loan agreements, emphasizing the company’s commitment to transparency and compliance.
• Explains the security mechanisms used by TCF to minimize risks, including mortgages on real estate, promissory notes, assignments of receivables, and personal guarantees.
• Highlights relevant Polish legal provisions that underpin these security mechanisms, ensuring the enforceability of TCF’s claims in the event of borrower default.

IX. International Expansion Strategy

• Outlines TCF’s ambitious plan to expand its operations beyond Poland and into carefully selected European markets.
• Prioritizes expansion based on market potential, starting with countries offering high growth and low competition, followed by more challenging markets with significant long-term prospects.
• Analyzes 14 European countries (Estonia, Ireland, Lithuania, Latvia, Croatia, Czech Republic, Slovakia, Romania, Hungary, Bulgaria, Slovenia, Greece, and Serbia) based on their market characteristics and attractiveness for TCF’s bridge lending model.

X. Competitive Landscape and TCF’s Differentiators

• Analyzes the competitive landscape of the Polish bridge lending market, identifying key players like Alpha Credit, Balt Credit, and Janvest S.A.
• Highlights TCF’s competitive advantages, including its strong management team, flexible loan products, rapid approval processes, competitive pricing, and commitment to transparency and ethical lending practices.

XI. Sales and Marketing Strategy

• Outlines TCF’s comprehensive sales and marketing strategy, designed to build brand awareness, acquire new clients, and establish the company as a leader in the Polish bridge lending market.
• Emphasizes a client-centric approach, focusing on building strong relationships, understanding individual needs, and providing tailored financial solutions.
• Details TCF’s plans to leverage its broker network, digital marketing channels, and public relations efforts to reach a wider audience and generate leads.

XII. TCF Risk Management Framework

• Provides a comprehensive overview of TCF’s approach to risk management, emphasizing their proactive identification and mitigation strategies for potential threats.
• Identifies key risk areas, including credit risk, interest rate risk, market risk, operational risk, and regulatory risk.
• Outlines specific mitigation strategies for each risk category, demonstrating TCF’s commitment to maintaining financial stability and protecting investor interests.

XIII. TCF Financial Plan: Projections and Assumptions

• Outlines TCF’s financial plan for the next five years, including projected income statements, cash flow statements, and key financial metrics.
• Details the company’s initial funding requirements and planned use of capital to support its ambitious growth objectives.
• Provides transparency on key financial assumptions, such as loan volumes, interest rates, operating expenses, and default rates, to support the accuracy of projections.

XIV. Appendices

• Contains supporting documentation, including management resumes, client case studies (both approved and declined), loan agreement templates, and a prospecting sheet to streamline client acquisition.
• Provides additional context on TCF’s past business activities, demonstrating the team’s proven track record and experience in the Polish market.