Our financing service

Expert Business Plan and Investment Memorandum Development Services

We develop professional business plans and investment memoranda tailored for securing investment, financing and export funding. Clear structure, strong financials, and a focus on global growth help maximize your success with lenders and investors.

Finance advising

We offer expert consulting throughout the export financing process, ensuring successful credit approval through professional interaction with banks, financial institutions, and export credit insurance agencies.

Export Financing Approval Process – Detailed Workflow

• Project and Export Contract Preparation

  • Actions: Development of Business Plan, Financial Model, Information Memorandum, and Draft Export Contract.

  • Responsible: ALVOG IT in acc. with the order of Borrower.

• Export Contract Signing

  • Actions: Formal signing of the Export Sales Contract between the exporter (borrower) and the foreign buyer.

  • Responsible: Borrower / Exporter and Buyer.

• Initial Application Submission

  • Actions: Submission of financing application, Business Plan, Financial Model, Information Memorandum, and signed Export Contract to the selected financial institution(s).

  • Responsible: Borrower supported by ALVOG IT.

• Preliminary Review

  • Actions: Initial evaluation of the project feasibility, borrower’s profile, and basic terms of the Export Contract.

  • Responsible: Financial Institution (Lender).

• Request for Additional Information

  • Actions: Clarification requests regarding project details, financials, Export Contract terms, and risk factors.

  • Responsible: Financial Institution; Response by Borrower supported by ALVOG IT.

• Due Diligence

  • Actions: Comprehensive due diligence covering technical, legal, financial, and market aspects; validation of the Export Contract conditions.

  • Responsible: Financial Institution (often with external experts).

• Application for Export Credit Insurance

  • Actions: Submission of financing and Export Contract documents to an Export Credit Agency (ECA) for insurance approval.

  • Responsible: Financial Institution (initiates request); Borrower supported by ALVOG IT.(provides documents).

• Export Credit Insurance Review and Approval

  • Actions: Risk assessment of the buyer, Export Contract, and project; issuance of insurance terms or policy.

  • Responsible: Export Credit Agency (ECA).

• Risk Evaluation and Structuring

  • Actions: Final risk analysis, insurance integration, and structuring of financing (terms, security, covenants).

  • Responsible: Financial Institution.

• Internal Credit Committee Review

  • Actions: Presentation of the full financing package, including Export Contract and insurance terms, for internal decision-making.

  • Responsible: Financial Institution's Credit Committee.

• Financing Approval and Term Sheet Issuance

  • Actions: Official approval of financing conditions and issuance of the Term Sheet to the borrower.

  • Responsible: Financial Institution.

• Contract Negotiation and Signing

  • Actions: Finalization and signing of the loan agreement, security documentation, and export insurance policy.

  • Responsible: Borrower supported by ALVOG IT, Financial Institution, Export Credit Agency.

• Disbursement of Funds

  • Actions: Disbursement of financing according to the agreed schedule, aligned with Export Contract milestones.

  • Responsible: Financial Institution.

NOTE: it can be necessary to involve a bank of Borrower to guarantee loan downpayment.