Loans Overview
Structured Loans Services is Loan Products For companies with $500,000 and Above Monthly turnover. This loan is not available for individuals or businesses below $500,000 Monthly turn. Businesses interested in these products must meet stringent conditions to qualify for the loans. 

For those seeking for Structured Financing Down Load the procedure manual here. 

Terms of Loans:
Businesses seeking for Structured must make sure they are listed in services such as DUNS AND BRADSTREET (DNB) or Similar regional services acceptable by our aggregate lenders. The lending amount starts from $1million up to $1billion. Loan tenure can be from 5years to 30years. Other terms design  as per individual borrower.

Documentations:
Letter of Intent
The company must present a letter of intent to AIGI Capital.

CIS of Borrowing Company directors
Company must provide the director’s CIS
A Certificate of Good Conduct from the law enforcement Agency of the Applicant Country or Residence.
Company registration documents
The company will provide the registration documents for further verification.
Company 6 Months Statement of Account-
Company Liability Records
Company Sales/Operational overview- 3 Months History
Supporting Document outlining the use of the Loans 

Repayment- Flexible – Can you choose annual repayment split together with interest and principal or Pay only annual interest and return principal upon Loan expiry.

Loan tenure can be negotiated upon request and Borrowers with good repayment history can apply for additional tenure. This offer is available for business in every country except countries under sanctions and wars. The procedure and approval timing varies for each individual country.Above, All Loan process cannot exceed 30 working days.

Structured Loans – Overview

Structured Loans are designed for companies with a minimum monthly turnover of $500,000. This financing option is not available to individuals or businesses with a monthly turnover below this threshold. Interested businesses must meet stringent conditions to qualify.

For those seeking structured financing, please download the procedure manual [here].

Loan Terms

Eligible businesses must be listed in recognized credit reporting services such as Dun & Bradstreet (D&B) or equivalent regional agencies accepted by our partner lenders. Loan amounts range from $1 million to $1 billion, with tenures between 5 and 30 years. Additional terms are structured on a case-by-case basis.

Documentations:

Required Documentation

• Letter of Intent – Addressed to AIGI Capital
• CIS of Borrowing Company Directors – Complete CIS for each director
• Certificate of Good Conduct – Issued by the law enforcement agency in the applicant’s country of residence
• Company Registration Documents – For verification purposes
• 6 Months of Bank Statements
• Company Liability Records
• Sales/Operational Overview – Covering the last 3 months
• Supporting Document – Outlining the intended use of the loan

Process & Terms (Post-Underwriting)

Loan Underwriting and Approval Process
Underwriting Review
Once a loan application is submitted and qualifies for underwriting, the underwriter evaluates the loan details.

Letter of Acceptance
If the underwriter verifies all loan documentation, a Letter of Acceptance is issued.

Physical Verification
Travel arrangements are made for the underwriter to visit the company’s location. This on-site evaluation assesses the company’s ability to repay the loan.

Risk Assessment & Loan Repayment Protection Insurance (Optional)
If the loan is deemed risky, the underwriter will propose a Loan Repayment Protection Insurance policy.
Companies with strong financial statements may not be required to purchase this insurance.
The premium percentage for this insurance is negotiable and may vary based on:

Loan value
Company location
Local government policies regarding collateralized loans
Loan Annual Interest Rate
The annual interest rate for the loan is 3.9%

Repayment Structure (Flexible):

• Option A: Split annual repayment (interest + principal)
• Option B: Pay only annual interest, with principal due at loan maturity

• Tenure: Negotiable upon request. Borrowers with a strong repayment history may apply for an extended tenure.

Eligibility & Timing

This offer is available to businesses in all countries except those under sanctions or active war zones. Procedures and approval timelines vary by country. The total loan process will not exceed 30 working days.