Whether your project is $5 million dollars or $1 billion dollars, ClearStar Business LendingTM has the resources to properly structure and arrange funding for your project. Through our available Large Project Financing Funding Sources, we are proud to offer viable businesses and entrepreneurs a diverse array of funding options for both domestic and international projects.


Project finance is the financing of long-term infrastructure, industrial projects and public services using a non-recourse or limited recourse financial structure. The debt and equity used to finance the project are paid back from the cash flow generated by the project. Project financing is a loan structure that relies primarily on the project’s cash flow for repayment, with the project’s assets, rights, and interests held as secondary collateral. Project finance is especially attractive to the private sector because companies can fund major projects off balance sheet.

Source: Investopedia

ClearStar Business LendingTM (“ClearStar”) coordinates funding for demanding transactions that fail to qualify for traditional bank financing. Where typical banks require a certain LTV on assets, ClearStar’s lending sources model is geared to the overall value of the project. ClearStar approaches projects similar to equity investors. Where the initial down payment may be lower than a typical 80 / 20 LTV, but the overall value or IRR of the project is a lot more.

Traditionally, project finance is the financing of long-term infrastructure, industrial projects and public services based upon a non-recourse or limited recourse financial structure. In which project debt and equity used to finance the project are paid back from the cash flow generated by the project.

The product is structured like a construction to permanent loan but is not limited to construction projects. Our financial model only needs the initial equity, or debt capital, from the client to fund any given project. This is known as Cash Collateral. Cash Collateral can be in the form of cash, bank instruments, or bonds. Cash Collateral isn’t utilized for the client to be drawn down and fund the project directly. Instead, it’s used to create the collateral for the lender or investor to provide the funding for the project. Typically, the underlying asset (Cash Collateral) remains with the custodian until the draws are finished and the project has received all of the required funding.

Project funding loan programs may include but are not limited to the following:

JV Venture Capital Project Funding Program

Venture Capital program to give 100% financing

  • A 60% loan and a 40% purchase of shares in project company
  • Interest rates on loan for USD 4.95% or on Euro 3.96%. or on GBP 3.96%
  • Maximum term for loan 10 years
  • Interest only payments on loan

International Commercial Project Finance

Liquid Debt Equity Funding

  • 50% Funding
  • 50% Equity
  • 50% Profit Split
  • No Maximum Term Length

Commercial Mortgages

  • Loan to value 80%
  • Interest rates for USD 8.5% or Euro 7.5%
  • Maximum term 15 years
  • Payments Capital and Interest

Refinance of existing asset backed security

  • Loan to value 80%
  • Interest rates for USD 8.5% or Euro 7.5%
  • Maximum term 15 years
  • Payments Capital and Interest

Builders Developers Loans for Real Estate Projects

  • New or existing developments
  • Loan for land purchase 60% of value or 85% development
  • Loan term 15 years. Interest rate on USD 8.5% or Euro 7.5%

The borrowers are required to pay all costs involved within the program

As with all funding requests, we require a brief executive summary in English and preferably converted into U.S. dollars as the first step in our analysis of viability of any international infrastructure project

Disclaimer : All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend. Not all applicants will qualify for all loan products offered. All loan programs, terms and interest rates are subject to change without notice. Other restrictions and limitations may apply.


Conventional Business Lender vs. SBA Guaranteed Loans: Weighing Your Options

When it comes to financing your small business, you have two primary loan options: loans guaranteed by the U.S. Small Business Administration’s (SBA) Guaranteed Loans Program or conventional commercial bank loans. We will examine the pros and cons of each loan program to help you decide on the best fit for your business.

SBA Loans

These are commercial loans provided by a bank but are guaranteed by the federal government. To qualify as a small business under current law, a business must demonstrate that it has less than $15 million in tangible net worth and two years’ net income after taxes of less than $5 million.

According to the Small Business Administration website:

  • 7(a) LOAN PROGRAM : The most popular and flexible loan program, 7(a) loans provide guaranteed financing for a variety of general business purposes. Possible loan maturities are available up to 10 years for working capital and generally up to 25 years for real estate. It has a maximum loan amount of $5MM.
  • 504 LOAN PROGRAM : This program is for those desiring long-term, fixed-rate financing. If you foresee expansion, land purchase, and construction costs, this may be the program for you. It is backed by the SBA but delivered by Certified Development Companies (CDCs). Maturities of 10 years or 20 years are available, and fees total approximately 3% of the debenture and may be financed with the loan.
  • MICROLOAN PROGRAM : This program provides small, short-term loans for working capital or the purchase of inventory, supplies, equipment etc. It delivered through specially designated intermediary lenders who each have their own requirements. The maximum term allowed for a microloan is six years and interest rates vary between 8% and 13%.
  • CAPLINE PROGRAM : This program helps small businesses meet their short-term and cyclical working-capital needs. SBA CAPLines have a maturity of up to 5 years and is tailored to an individual business’s needs. It has a maximum loan amount of $5MM


  • Access to capital where traditional commercial loans may not be available
  • Good for start-ups and young businesses without a sustained history of financial performance.
  • Good for businesses with cash flow issues because they provide longer loan maturities and lower payments


  • Nonprofit organizations, lenders, certain passive businesses, life insurance companies, and private clubs that limit membership are all ineligible
  • SBA loans can require guarantee fees that do not apply to conventional commercial loans

Click here for a quick overview of all SBA loan programs

Conventional Commercial Bank Loans

Your local bank will take the time to understand your company’s objectives and create a finance package that will get you there. The costs and requirements may differ from bank to bank.


  • Individual and commercial bank loans typically offer competitive market interest rates and other reasonable repayment terms.
  • Conventional loans may cost less and enhance an overall good relationship with your financial institution. Local banks are especially good at catering to the needs of your business


  • It may be more difficult to obtain longer loan terms
  • Often, you must have excellent credit scores


Real Estate Types of Financing Available

If you need to finance your income-producing property, then ClearStar Business Lending can help. We offer numerous plans for commercial real estate financing, so you can pick the plan that is best suited to your property and business.

Available Packages

We want you to turn to us for your real estate financing needs, which is why we have a complete range of solutions. We offer recourse and non-recourse options for both investment and owner-occupied properties. Our packages include:

Apartments • Multifamily • Bridge and Hard Money Loans • Churches • Construction • Developments • Congregate Care Facility • Flagged and Non-Flagged Hotels • Golf Courses • Equity and Mezzanine • Hospitals • Industrial Warehouses • Manufacturing Plants • Marinas • Master Planned Communities • Medical Office • Mixed Use • Mobile Home Parks • Multi-Family • Nursing Homes • Office Buildings • Parking Structures • Residential Development • Resorts • Retail (both anchored and unanchored) • Self Storage Facilities • Senior Housing • Shopping Centers • Strip Malls • Industrial • and much more.


What Is Corporate Business Lending?

Corporate lending is essentially the same thing as a personal loan, except instead of being made from a bank to an individual, it is made from a bank to a corporation. As a result, the amounts of money being dealt with tend to be substantially larger, and some of the protections are a bit different.

Corporate Lending

Corporate lending can take any number of forms, including Commercial Asset-Based Lending, structured finance, and cash flow corporate lending. Asset-based lending is when the loan given is secured by means of some sort of asset. In personal loans, mortgages are probably the most well-known form of asset-based lending. In corporate lending an asset-based loan may use real estate, intellectual property, or expensive equipment. Asset-based lending is one of the more secured forms of corporate lending, since the bank lending the money has protected itself by balancing the value of the assets with the amount of the loan.

ClearStar Business Lending continues to strive to be a leading participant in the Capital Lending Business sector. Businesses are often in need of short- and long-term financing for business expansion, working capital loans, commercial real estate purchase commercial debt consolidation and much more. ClearStar’s main objective is to streamline the lending process, so you can concentrate on building and operating your business.