Wise investors have long known that the secret to creating a financial legacy is to leverage their wealth when opportunity presents itself.

That opportunity might be the acquisition of real estate, the refinance of a property, the rescue of an underwater property, the purchase of an IPO, or an angel investment.

But too often, accessing or borrowing the funds needed to take advantage of opportunities is fraught with difficulties: liquidating working assets, high interest rates on loans, lost opportunities because of a bank’s indecision, huge penalties for early IRA withdrawals, and onerous tax consequences. The list goes on.

Lendacy offers customized lending solutions that provide access to funds with flexible lines of credit to meet your investment requirements.

Now, you can access capital you could not get to before, borrowing at a rate well below prime while having investments that often earn more than you pay in interest. You keep 100% of your capital working, generating dividends and interest with the opportunity for continued appreciation.

Because your loan is customized, your payment options are flexible, determined by your particular needs and can include deferred, interest only, flat, or principal reduction payment schedules. It is possible because of our relationships with the investment managers with whom we partner.

Intelligence, imagination, and hard work created your wealth. Partnering with Lendacy to leverage it can help protect and grow your legacy.

Lendacy: Leverage Your Wealth

The opportunity Lendacy offers is open only to those select few who have achieved a certain degree of success and in doing so are what the Securities and Exchange Commission defines as an accredited investor.

To qualify, you must in general terms*:

•  Have an income exceeding $200,000 in each of the two most recent years or a joint income with your spouse that exceeds $300,000 for those years and a reasonable expectation of the same income level in the current year.

•  Be an individual who has a net worth, or joint net worth with your spouse that exceeds $1 million excluding the value of your primary residence.

•  Be a trust, with total assets in excess of $5 million, not formed to specifically purchase the subject securities, whose purchase is directed by a sophisticated person.

•  Be an entity in which all the equity owners are accredited investors.

If you qualify, you are able to participate in a variety of investment opportunities not available to those who have not achieved this financial status. They include IPO’s, hedge and private equity funds, structural products created within the banking sector, as well as certain commercial real estate and brand name franchise investments.

However, many accredited investors are unaware of the possibilities available and do not take advantage of them. Your Lendacy consultant will be happy to discuss this and show you how you can best leverage your wealth given your current financial needs.

*Visit Lendacy.com for more information about being an accredited investor.

The Perks of Being an Accredited Investor

1. The Discovery Step

The process begins with your providing a standard credit application to determine whether you qualify as an accredited investor. If you qualify for a line of credit, then we will work to find a repayment schedule that meets your needs going forward, whether it is a deferred, interest only, principal reduction, or flat payment schedule. The objective is to craft a comprehensive solution that leverages your wealth to serve your goals for growing and protecting your financial legacy.

2. The Solution Step

Once the information we obtain in the discovery phase has established you are an accredited investor and eligible for a Lendacy line of credit, we will make recommendations on repositioning your assets and liabilities with a custodian who specializes in working with people like you who are leveraging their wealth.

3. The Funding Step

Once your custodian has your funds, they will complete the transaction with our partnering investment manager and you will have access to your line of credit through a wire transfer to your bank, escrow account, or to you personally, however you direct.

The Three Quick and Simple Steps to Funding

When retired architect Rob F. found a four-acre lot on which he could build four homes, he knew he had uncovered a promising investment opportunity and wanted to take advantage of it. He turned to his bank for the capital needed to pursue the project.

Though he paid for several promising appraisals over a period of months and was willing to put up a 40% deposit and pay 5% interest on the loan, the bank rejected him. Their rationale: though he had 35 years of experience as an architect, he had none as a builder.

Rob was referred to Lendacy by the real estate agent that had found him the property. We brought him to a team of professional asset managers that recognized the value of his career and offered a creative approach to obtaining the necessary capital.

Within seven days, Lendacy arranged an investor relationship credit line that allowed Rob to fund the transaction at a rate well below prime so liquidating his assets was unnecessary. He was able to keep them working, generating dividend income and interest sufficient to pay insurance and taxes on the property in addition to the interest on his credit line.

Today, the properties are built and Rob is realizing a healthy positive cash flow.

Case Studies: Acquiring Real Estate

In 2005, Susan and George K. obtained a construction loan to build their dream home. They purchased a lot, worked closely with an architect, and began construction. But in the midst of building the housing bubble burst. The couple was left with a house that was underwater and a loan they could not refinance.

Already paying an excessive interest rate of 6%, they were then charged penalties for exceeding the term of the construction loan balloon. In all, they found themselves faced with a monthly obligation of nearly $15,000. For four years they attempted—and failed—to refinance or restructure the loan because their bank demanded a cash-in refinance. To do so would have meant liquidating a considerable portion of their IRA and paying tax penalties because they were not yet 62. Their cherished dream of retirement was in jeopardy.

The couple’s financial professionals had no way to help them. So they referred them to Lendacy. In a matter of days, they were able to obtain an investor relationship line of credit below prime that enabled them to execute the cash-in refinance without liquidating their assets. Their monthly costs were reduced by 300% to $3,000 a month.

They are now in their dream home, able to repay their debt and live comfortably off the dividends and interest from their untouched assets.

Case Studies: Refinancing a Property

Like many baby boomers, Tom M. was faced with overseeing the care of an adored aging parent whose deteriorating health required dramatic changes in care and housing. The stress was overwhelming as Tom was seemingly faced with choices that would wipe out the legacy his parents had worked so hard to build for him, his wife, and children. Even more disheartening, he soon realized that even if he were to liquidate all of his mother’s assets there was no guarantee they would provide the level of care that he, and she, wanted her to enjoy in her old age.

A friend familiar with Lendacy recommended us to Tom. Lendacy’s financial team was able to arrange a customized investor relationship line of credit within a few weeks with an interest rate well below prime with a flexible, interest-only payment option.

Tom was then able to acquire, free and clear, a home for his mother in a country club like independent living facility she loved while leaving a 100% of her investment assets intact. Tom used the dividends and interest she earned to pay for her care.

His Lendacy line of credit enabled Tom to preserve his peace of mind as well as his mother’s legacy.

Case Studies: Preserving a Family Legacy

Joe S. had always had a keen eye as an entrepreneur and had done well targeting niche markets for fixing and flipping properties during the real estate boom. But when the Great Recession hit, competition increased in his market segment. Margins became slimmer and profits harder to come by because of higher lender fees, high interests rates, and banks less willing to lend money.

While others were hurt in this new environment, Joe found a way to take advantage of it and create greater opportunities for himself with a new funding platform for the acquisition of property and construction work that needed to be done with a customized investor relationship line of credit with Lendacy.

With no bank involvement, lender fees eliminated, interest rates well below market rates, and a flexible payment schedule that allowed him to defer payment until work was complete and the property sold, he was able, with this new approach to financing, to make more money on projects than ever before. Projects his competition was not even able to bid on.

Knowing that the costs of capital were substantially reduced, Joe was able to outbid his competitors for properties and sell them for less, while still making a healthy profit thanks to the savings his Lendacy line of credit provided.

He also had the satisfaction of providing housing for people who might otherwise not be able to afford it.

Case Studies: Fixing and Flipping

Michael brings more than 20 years and a wide breadth of experience in financial markets to his role at Lendacy, where he oversees the relationship between the company and its affiliated investment partners.

Michael and his partner, Thomas Frey, founded the Kinetic Management Group, LLC, as a management company for private investments and accredited investors. Together they also founded Silexx Financial Systems, LLC, a leading technology firm for professional trading and risk management systems with many of the top tier financial firms among their clients.

Prior to founding the Kinetic Management Group, Michael was an options market maker and has floor brokerage experience as a member of the Stock Exchange. He has worked as an institutional floor broker representing Goldman Sachs, Morgan Stanley, and Swiss Bank.

Michael has lectured throughout the country on derivatives and risk management. He is the co-author of Fundamentals of the Options Market, published by McGraw Hill and is the author of an economic newsletter, “Market Preview.”

An honored Navy veteran who served in the Gulf and is still an avid sailor, Michael has raced sailboats in his native Michigan and in San Francisco. He collects first editions and among his most treasured are several by Winston Churchill, Robert Louis Stevenson, Ernest Hemingway, Ian Fleming and Rafael Sabatini.

Michael resides in Sarasota with his wife, Jamene, and his son, Jace.

Lendacy’s Founding PartnersMichael S. Williams, Founding/Managing Partner, President

Thomas, co-founder of Lendacy, brings his considerable experience and expertise in information technology to developing the IT infrastructure and systems the company uses. He is also a founding/managing partner and President of Silexx Financial Systems, LLC, a financial trading and risk management company.

Thomas and his longtime friend and business partner, Michael Williams, founded the Kinetic Management Group to aid accredited investors in managing and leveraging their wealth. Lendacy, the Group’s lending arm, was formed to provide its investors with easy access to lines of credit.

A native of Munich, Germany, Thomas decided to immigrate to the United States in 2008 after spending considerable time here working as a consultant for various hedge funds and brokerage firms. He met Michael while consulting in San Francisco and chose to move to Sarasota after visiting his friend here and falling in love with the area.

Thomas’ consulting has allowed him to travel extensively. His favorite destinations include the South of France and Tokyo. He is a connoisseur of fine wines, particularly those from Bordeaux. He is an avid skier whose favorite spot are the slopes of the Swiss Alps.

Lendacy’s Founding PartnersThomas J. Frey, Founding Partner

Learn more about Lendacy and calculate scenarios to discover how a Lendacy line

of credit can help you preserve and grow

your wealth at:

www.lendacy.com

Office (941) 363-6686 | Toll Free (855) 793-5363 | info@lendacy.com | www.lendacy.com1800 2nd Street, Suite 956 | Sarasota, FL | 34236

Lendacy is not a mortgage lender. Credit line and private loan solutions are not collateralized against real estate. All loans are subject to credit approval. Approval based on, but not limited to, credit rating, assets and income. Applicants must review the terms and conditions of the credit application and contract.

Approvals are not guaranteed. Interest Rates (APR) are based on an applicant’s credit worthiness and tied to Fed Fund Rates and subject to change. Loans may or may not be secured against other assets and/or may require a Guarantor. All applicants are advised to visit lendacy.com/disclosures for additional information.