Indicative Term Sheet

Personal & Business Loans

Prestatario	[Borrower Co.], a limited liability company
Prestamista / Estructurador	Westford Capital Group
Facilidad	Personal & Business Loans
Importe de la facilidad	Up to USD 2,500,000
Plazo	84 months
Precio	Fixed 10.9% p.a. (indicative)
Comisiones	Arrangement 1.0%; no prepayment fee after month 12
Garantías	Cash-flow first: unsecured where DSCR ≥ 1.25x; optional general security agreement or personal guarantee for larger or newer facilities
Amortización	Equal monthly instalments of principal and interest
Condiciones previas	Satisfactory KYC; Board resolutions; Evidence of insurance
Ley aplicable	Estado de Carolina del Norte, EE. UU. (o según se acuerde)
Validez	30 días desde la fecha de emisión

This indicative term sheet is non-binding and subject to due diligence, credit approval and definitive documentation.