80/20 Private Loan Program

**International financing available to select international locations**



  1. It is a non-recourse loan and can be used for any type of commercial development, as well as many other types of non-RE projects (refer to suitable programs).

  2. 20% deposit required for each project; the minimum deposit is $1 million (USD).

  3. The lender will provide the balance of the 80% required for the project.

  4. The general term of the loan is 4 years; the lender is flexible for extensions.

  5. Interest rates are at the GREATER OF a "Flat 3.5%," or 1 Year LIBOR +2; interest-only, with interest paid quarterly. 

  6. Interest is charged only on funds drawn from the loan.

  7. Deposit is placed into escrow with full insurance coverage from A+ rated company, or the funds can stay in borrower's bank account using an SBLC (standby letter of credit) with a minimum face amount of $10 million (USD). A new option allows for blanket insurance protection by Brinks and G4S international security companies to pick up and protect borrower's deposit at no cost to the borrower.

  8. Exit Strategy can be refinanced or sale of the asset of several other options.

  9. The lender offers the same  Line of Credit program to governments and government agencies with an interest rate of 1% and a term of 4 years.​


  • There is No Upfront Fee

  • There is No Retainer Fee

  • There is No Engagement Fee


  1. The lender fee is 3% of the actual loan, payable at the time of the first draw.

  2. Our consulting fee is 2.75% of the loan amount, also payable at the time of the first draw.

  3. Term sheet issues within 2 weeks from submission if the project is acceptable.

  4. Full underwriting to the first draw is approximately 75 - 90 days. 

  5. All funds are cleared through the US Federal Reserve Bank, European Central Bank, Bank of England, and the Central Bank of the Eastern Caribbean to guard against money laundering, any connection to terrorism activities, and the U.S. Patriot Act.


Suitable Programs

  1. Real Estate

  2. Oil & Gas

  3. Renewable Energy

  4. Movie/TV Projects

  5. Shipping Containers

  6. Airplanes

  7. Yachts and more



  1. We need a complete Business Plan.

  2. Proof of Funds, in the form of cash. Stocks and bonds are not acceptable. Document showing initial funds are ready to deploy (as well if the funds are from a 3rd party investor).

    • Letter from investor pledging the 20% (if applicable)​

    • Copy of investor's passport (if applicable - for anti-money-laundering protocols).

  3. Submit application (we will send you an application checklist),

  4. Use of Funds / Drawdown Schedule

  5. The lender Loan Application Form:

  • If the applicant is a corporation or LLC, a copy of the "Articles of Incorporation" must be included.​

  • If the applicant is a Corporation or LLC, a "Board Resolution" (stating that the signatory has the authority to act on behalf of the Corporation).

   6. Initialed and signed "FAQ" document

   7. Signed "Sub $5mm Acknowledgement (If Applicable)

   8. Initialed and signed "the Lender Benchmark Agreement"

   9. Copy of Passport of Application Signatory.

Please send us an email to learn more about our programs!

Email: info@hakimsaya.com

Disclaimer: Hakim Saya LLC is NOT a lender, does not make offers for loans, and does not make credit decisions. The operator of this website does not charge fees for these services and products.  Hakim Saya LLC partnered with commercial, retail, conventional, and private wholesale, and non-bank lenders thus, submitting a request allows us to work with our partners and does not constitute approval for a loan. This website does not guarantee that completing an inquiry form will result in your being approved for a loan. Credit checks or consumer reports may be performed by lenders or lending partners from a credit bureau or other providers of credit information. Hakim Saya LLC is not a United States Securities Dealer, Broker, or Investment Advisor. Furthermore, Hakim Saya LLC is not a licensed Realtor or Mortgage Broker in any state. All website content is not to be considered a solicitation for any purpose in any form or content, nor an offer to sell and/or buy securities and/or to provide lending against any primary residence properties and/or any financing that require specific licensing in applicable states other than for private lending or investment properties only. Merely describing the details of an existing private lending program does not constitute an offer or solicitation of any kind and, if presented, is done as a request for information. Upon reading this page you as the recipient acknowledge this disclaimer and warnings herein. By reading beyond this point, you agree, acknowledge, and accept that this is a privileged, propriety, and confidential communication and you agree to keep it private. You are not obligated to use this site. These disclosures are intended for informational purposes only and should not be construed as or consider legal advice.

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