FAQs

For the easy accessibility to people, for the speed in decision-making, for the documentary agility, for the honesty, for respecting the property of others (there are no embargoes) and for having direct capital / own resources and collaborators without depending no one else’s.

It is based on the purchase/sale of bank financial instruments (mainly MTNs, which is debt with a promise of payment in the medium term future, not executable in many occasions). These instruments are bought fresh-cut with a significant discount on their face value to then be resold at a higher price in the secondary market. The difference between the sale price and the purchase price is the trader/clients gain. These investments are offered to clients with high spending power and can only be executed by Traders with a license to carry out such operations. An important part of the returns are destined to humanitarian causes and to the financing of business projects. Therefore, any institution takes precedence on this type of operation.

These investments are not publicly known, and only a very small group of clients that own funds or Bank Instruments may have access to them -solely and exclusively by invitation-. They are not new, they are more than 60 years old.

Yes. These private investments imply no risk for the client/client. The purchase/sale of  MTNs is “risk-free” provided that the Trader is guaranteed the exit to the instrument that was previously acquired. If we are dealing with a real Trader, such exit will be guaranteed by contract and therefore there wont be any risks for the client. Before the start of the investment, the Trader will “prepare” such investment planning the future purchases and sales and knowing beforehand the benefits that each of them will bring. In a second phase the investment will be run, which means nothing but carrying out the purchases/sales that were previously planned and negotiated with the cut houses.

Yes, we operate directly with our own funds and / or those of legally authorized collaborators, always in stable jurisdictions, at TOP Banking level with the highest rating from Moody’s, Standard Poor’s and FITCH with “AAA” quality. Our transactions are regulated by FED and IMF.

No. These practices are done in traditional banking as well as in classic investment funds. We are a Private Investment Corporation and we only accept international bank guarantees (BG-SBLC regulated by the International Chamber of Commerce ICC model 600 or latest edition) for collateral use. If you do not have the possibility of contracting a guarantee of this type, we can offer you the using of one as an extra service.

The client can also obtain a mortgage with his local bank, invest the money with us to finally cancel or subrogate the mortgage, having obtained great benefits after the transaction.

No. Financial investments are not for free. Neither Top Banks nor Investment Companies will issue any real Swift if they have not been previously cashed in advance. In addition, irrevocable payments with immediate future settlement promise (ICBPO) are illegal. If your asset also needs registration procedures, legal translation, updating taxes, travel, powers of attorney, etc., the expenses will increase significantly. If you operate by DTC or Euroclear, you will avoid Swift expenses, but you will have others due to the high cost of operations and registrations of these systems. From VERUM INVESTMENTS we advise all our clients that advance payments must be made only from Bank to Bank basis, with legal contracts, perfectly defined and accredited companies; There are numerous cases of fraud given that there are many shell companies that demand payments in advance, normally prices much lower than those that are usually in the Private Banking Sector, taking advantage precisely of the client’s unwary act of spending money as little as possible.

No. Any payment to our Corporation is fully insured since our bank accounts are securities accounts in AAA rating banks and stable jurisdiction, legally authorized for these purposes, and there is even total bank liability for any unlikely claim. In addition, any advance payment is always “refundable” even if the agreement is not finally produced for reasons of good faith, because if there is intent, fraud or criminal offense then it will be lost and even Verum Investments LLC reserves the right to exercise as many legal actions as necessary against the alleged perpetrator of the crime.

Funds will always remain on the clients account and also can be transferred by Swift MT-103 a part of the funds for a social investment, which can be cancelled and/or amortized once the Investment has been started; this part can be guaranteed under Public Notary notice to protect the client with a Bank Guarantee of same value no later than 30 banking days after Swift copy received by the Trader or equivalent legal solution. To carry out the investment it will only be necessary to lock the rest of the funds. The client must choose one of two available locking options: Swift MT-760 or the assignment of the Trader on the account. This blocking will remain for the length of the investment.

No, you are not under any risk. Their presentation is imperative and important since it is the only way to check and verify the quality of the clients’ funds or assets. In this business the client always has to take the first step by providing the required documentation to avoid falling into the “Solicitation” rules. The POF (Proof of Funds) will be issued by the Bank where the client has the resources deposited, demonstrating their quality and amount, but does not enable ANYONE to move them or dispose of them.

After documentation is submitted to our Headquarters (SET Compliance + bank Documentation), we proceed to verify the funds/assets the client sends and to the subsequent Due Diligence (clients under study for acceptance). Once these preliminary investigations are successfully completed, the client will receive a JVA Draft (Joint Venture Agreement) with the Fronting company to be signed and later ratified by the Trader Company if is required.

When we have a firm commitment to pay for an asset or for an added cost, such as the pledging of a collateral Bank Guarantee, normally the payment is at once and is made within ten business days from the verification of the guarantee. If it is about yields, interests or deferred payments then are distributed normally monthly, up to twelve monthly payments, however another periodicity (weekly) can be agreed between parties.The return profits are paid at the agreed frequency to the designated account of the client. All conditions are in written at the investment contract JVA (Joint Venture Agreement). All our payments are ordered by SEPA international bank transfer (inside Europe as short Swift) or by Swift MT-103 Cash, funds immediately available at the arrival bank (client´s bank), always certified as totally clean and clear, with no liens or encumbrances, from non criminal origin and in compliance with international money laundering prevention rules FATCA artiles I & II.

No. The invested capital will remain locked for the length of the investment.

Clear, clean and with a non-criminal origin. For every asset the location of the deposited resources should appear clearly stated by the bank in question. If at the time of verification, there is any doubt on this matter, the transaction will be automatically dismissed.

Yes, as long as prior written permission is officially requested and authorized for appropriate purposes. Failure to do so could constitute a violation of the Confidentiality Rules and the Non-Disclosure Agreement.

When someone sells a high-value asset, he must provide a guarantee to the buyer as a maximum to give security to whoever buys, and if he does not provide the guarantee it is because the asset most likely has hidden defects or is not as good as it is presumed; An asset is always susceptible to legal, economic, political, environmental, etc. problems arising after a few months or years, depending on the sector where the buyer is investing. Although it is always signed in the official purchase-sale that the asset is sold free of charges and encumbrances, this is very relative and is more than proven in numerous sales cases, such as sports clubs, large energy companies, buildings and tourist complexes, Oil, yachts, etc, that administrative and economic sanctions have arisen, political problems, discovery of skeletal remains buried underground, … having verified that everything began long before the sale, that is, it came from behind, and therefore the seller is the maximum responsible for all those economic losses that the buyer has had to face through no fault of his own. Therefore, Verum Investments LLC as a buyer, has the right to demand guarantees when purchasing, that is why we only do business with serious clients who really understand this position and are able to provide, without any discussion, the corresponding collateral Bank Guarantee; Therefore, and for information purposes, the multiple advantages that this type of financial instrument give to both the buyer and the seller, especially the latter, are detailed below:

1/ In any serious sale in stable conditions, a seller must be responsible and offer a guarantee to his buyer so that he feels safe and protected by his Supplier, this happens in most markets, and in almost all products and high-end services too. What the buyer has to do is pay and receive the product.

2/ A Bank Guarantee covers the seller responsibilities, and it is only enforceable in cases of force majeure and extremes, so the seller is protected against any eventuality that endangers an investment, even if it has already been made. The buyer will never be able to claim anything from the seller, whatever the date a load is detected.

3/ The Bank Guarantee is a financial instrument that does not imply costs for the seller, VERUM INVESTMENTS LLC pays all expenses once received and verified for authenticity. We never pay in advance, no fees, no insurance, no allowances, no bank or administrative or other expenses.

4/ This type of instrument is for collateral use only, that is, it must be divisible, transferable, assignable and negotiable in order to operate discounts or credit lines required by Law and be used in favor of the seller in case of additional liquidity need, although this It never happens since the buyer pays with his own funds everything agreed in a matter of days after verifying the receipt of the Bank Guarantee, without any delay. Any Buyer who does not have their own funds will never pay in a few days, it will take months and months because the procedures for requesting lines of credit from any Bank are very slow.

5/ Bank to Bank payments with a Bank Guarantee in 100% secure because there is no room for malicious failures or natural errors of form, consult our protocols of action and you will understand that there is no risk whatsoever for the Buyer or the Seller . International transactions must be made by the Bank to avoid fraud and wrongdoing by third parties.

6/ Normally, any joint investment forces us to always have to participate with more capital than necessary for different reasons, such as capital increases, debt relief and / or hidden defects, serious unforeseen events, scenarios with unstable jurisdictions, etc., so a Guarantee Banking transmits and gives confidence to whoever invests to be able to operate with patience and avoid unnecessary human fears that endanger any business that is intended to be carried out.

7/ As there is a banking instrument as guarantor of an operation, the seriousness of it is total, so generally, if the price of the investment or purchase and sale is within the average values ​​of its market, there is no place to discuss prices , signing the agreement of total mutual agreement by the parties and the operation is carried out in a very few days, a fact that does not usually happen with conventional buyers since they have different ways of guaranteeing the operation, although what they seek above all is to greatly lower the purchase-sale or investment price by performing severe audits on the assets for sale or investing to remove as many defects as possible, this leads to a great loss of time, motivation and in many cases it is not possible to conclude the operation; In addition, conventional investors / buyers usually put a payment of a signal / deposit of very little amount, normally between 5 to 10% of the investment value, in a bridge bank account, known as ESCROW, where no one can touch even € 1 , and they can spend long months and months with endless audits of boards of directors with very slow decision-making that end up ridiculing the operation, where the seller is very harmed, and that in the event that he finally sells, because on many occasions the operations even end up being canceled.

8/ Any transaction that involves a significant outlay for the client is always recommended that the client does not decapitalize and / or does not invest in leverages, no matter how attractive they may be, so you should turn to your Bank or Financial Manager so that they can offer you several options for disposing of money at very low or no cost so that you don’t have to use your own money and avoid the fearful risk of technical bankruptcy; good examples are credit policies, promissory notes, credit cards, etc. When a client must operate in a specific market, we always ask for a Bank Guarantee for these reasons, so no one has to decapitalize as we can grant discount lines or advance funds that cover 100% of the operation that the client needs.