Indicative Term Sheet

Personal & Business Loans

Emprunteur	[Borrower Co.], a limited liability company
Prêteur / Arrangeur	Westford Capital Group
Facilité	Personal & Business Loans
Montant de la facilité	Up to USD 2,500,000
Durée	84 months
Tarification	Fixed 10.9% p.a. (indicative)
Frais	Arrangement 1.0%; no prepayment fee after month 12
Sûretés	Cash-flow first: unsecured where DSCR ≥ 1.25x; optional general security agreement or personal guarantee for larger or newer facilities
Remboursement	Equal monthly instalments of principal and interest
Conditions préalables	Satisfactory KYC; Board resolutions; Evidence of insurance
Droit applicable	État de Caroline du Nord, États-Unis (ou selon accord)
Validité	30 jours à compter de la date d’émission

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