OPIC Loans: The Process


Ver­ti­cal Opti­miza­tion, LLC  assists com­pa­nies to secure OPIC financ­ing. OPIC pro­vides eli­gi­ble US enti­ties the finan­cial sup­port needed to develop invest­ment oppor­tu­ni­ties overseas. We are able to assist qual­i­fied US enti­ties to raise cap­i­tal by way of loans for over­seas invest­ment through OPIC. We can assist clients with loans from $100,000 to $250Million.

Our job is to pro­vide the busi­ness devel­op­ment ser­vices needed to bring com­pa­nies to the “thresh­old of invest­ment” at which point insti­tu­tions such as OPIC (as well as other banks and finan­cial insti­tu­tions) can con­sider them viable tar­gets for funding.

Ver­ti­cal Opti­miza­tion, LLC does not have the power or author­ity to approve or deny loan appli­ca­tions; our job is to assist you in get­ting to that deci­sion point by the lenders. The same goes for busi­ness devel­op­ment assis­tance (grants). Our job as is to pro­vide the most com­pelling case (within our capa­bil­ity) for busi­ness devel­op­ment assis­tance and to pro­vide the ser­vices, if & when approved.

OPIC makes the ulti­mate deci­sion as to what to sup­port. How­ever, we are trained to assist you in prepar­ing the doc­u­men­ta­tion needed to access these ser­vices. We are here to assist you to secure what we hope would be a favor­able deci­sion for all – your com­pany, OPIC and Ver­ti­cal Opti­miza­tion, LLC.


We are paid by you for the busi­ness devel­op­ment ser­vices we pro­vide you. For OPIC loans we charge a small fee to cover the busi­ness devel­op­ment ser­vices we pro­vide (in order to get your appli­ca­tion ready for con­sid­er­a­tion by an under­writer) and may take a small com­mis­sion on the cap­i­tal we help you to raise. We assist com­pa­nies to access not just OPIC loans but where nec­es­sary, cap­i­tal from our other lend­ing sources.

Once the busi­ness devel­op­ment ser­vices are com­pleted we may then help you raise the cap­i­tal you need to grow your busi­ness (through OPIC or a bet­ter suited source). It is a step­wise process.

Here are the spe­cific steps involved in the process:


This is the process by which we meet with the client and estab­lish the fun­da­men­tals of what the clients’ needs are, and how we might be of assistance.

The intake may take place in per­son or over the tele­phone. It usu­ally lasts an hour to an hour and half. (It is our pref­er­ence to record the ses­sion so that we can review the mate­r­ial at a sub­se­quent time.)

The intake cov­ers the poten­tial trans­ac­tion, estab­lishes what the clients’ expec­ta­tions are, and out­lines poten­tial approaches to the trans­ac­tion at hand.

An intake brief is gen­er­ated at the end of this step.


At times, clients may have attempted to raise funds through other sources thereby cre­at­ing a doc­u­ment trail. They usu­ally have exten­sive amounts of doc­u­men­ta­tion – con­tracts, title deeds, work­ing agree­ments, cer­ti­fi­ca­tions, guar­an­tees, offers, etc. etc. We REQUIRE that we review all the paper­work relat­ing to the trans­ac­tion to make sure that we under­stand and objec­tively eval­u­ate the cur­rent state.

The review process involves review­ing all the doc­u­ments on the project, out­lin­ing pos­si­ble paths for­ward and pre­sent­ing the client with options on (whether &) how the trans­ac­tion may be struc­tured based on what is known at the time. This step also iden­ti­fies gaps in doc­u­men­ta­tion which may need to be filled.

This review process typ­i­cally lasts about 5 – 10 days depend­ing on how much back­ground infor­ma­tion the client provides.


This is the process by which we iden­tify and ver­ify all the infor­ma­tion implied or pre­sented in the Review Process. We ver­ify and val­i­date all the infor­ma­tion pre­sented dur­ing intake includ­ing but not lim­ited to: We rec­og­nize that all this may at times feel uncom­fort­able or intru­sive. It is impor­tant to point out that this phase is not intended ‘to trip up the client’ but instead to iden­tify any poten­tial prob­lem areas and address them before pre­sent­ing a com­pany to OPIC (or any other lender).

It is FAR bet­ter to iden­tify a prob­lem and address it directly, rather than try to ‘hide it under the table’. The last thing we want is for a seri­ous issue to be caught by an under­writer dur­ing their review process. (Lenders are human, too. They hate feel­ing mis­led.) Where there are legit­i­mate rea­sons for bad credit sit­u­a­tions, bank­rupt­cies, judg­ments or sim­i­lar “embar­rass­ing issues”, they should be addressed fully, openly and hon­estly. That is our job – and respon­si­bil­ity. The first step is to get the facts. That is what this phase of our work attempts to do.

Typ­i­cal searches could cover the following:

  • Com­pany Reg­is­tra­tion Sta­tus & Own­er­ship Struc­ture.
  • Prop­erty Titles & Deeds.
  • Per­sonal (Legal & Finan­cial) Back­ground includ­ing prior judg­ments, defaults, bank­rupt­cies, liens, charge-offs, con­vic­tions, pend­ing lit­i­ga­tion, credit wor­thi­ness, etc. This effort cov­ers all the juris­dic­tions that may apply to the indi­vid­ual appli­cants. Dual res­i­dents (or cit­i­zens) shall be sub­ject to dis­cov­ery in the respec­tive places of domi­cile.
  • Cor­po­rate (Legal & Finan­cial) Back­ground includ­ing prior judg­ments, defaults, bank­rupt­cies, liens, charge-offs, con­vic­tions, pend­ing lit­i­ga­tion, credit wor­thi­ness, etc.
  • Oper­at­ing agree­ments, part­ner­ships, con­tract doc­u­ments, rel­e­vant licenses and con­tracts, etc.
  • Details on merger, acqui­si­tion, part­ner­ship or joint ven­ture tar­gets.

At the end of the day, the best source of infor­ma­tion about you and your busi­ness is you; the more open and forth­com­ing a client is, the quicker we can get through the dis­cov­ery process.

The process typ­i­cally lasts any­where from 2 weeks in sim­ple straight­for­ward trans­ac­tions to up to 10 weeks for more com­plex ones. The cost depends on the com­plex­ity of the trans­ac­tion, the num­ber of places and juris­dic­tions to be cov­ered in the due dili­gence process.

In some unique cir­cum­stances, it may be nec­es­sary to request addi­tional infor­ma­tion from a com­mer­cial busi­ness rat­ing agency (such as Dun & Brad­street). Com­pa­nies may need to have a pro­file cre­ated or updated by these agen­cies. The fees charged by such agen­cies are addi­tional and shall be borne the client.


Irre­spec­tive of how the busi­ness devel­op­ment ser­vices are paid for, all appli­cants need busi­ness plans & a com­pre­hen­sive invest­ment prospec­tus. In many cases, polit­i­cal insur­ance cov­er­age may be required. That work shall be done in this phase of the effort.

Ver­ti­cal Opti­miza­tion, LLC shall develop the busi­ness plan & invest­ment prospec­tus to sup­port loan applications.

While we rec­og­nize that many clients already have busi­ness plans (usu­ally at var­i­ous stages of com­ple­tion) the busi­ness devel­op­ment effort is best served by using that and all avail­able infor­ma­tion to pre­pare a busi­ness plan that speaks to the needs (and con­cerns) of the under­writ­ers who we work with.

In any event, the [new] busi­ness plan lays out clear and unam­bigu­ous assump­tions which may be tested by an eval­u­a­tor with ease.

This along with sup­port­ing doc­u­men­ta­tion and forms, sup­ports the appli­ca­tion. We shall assist in the entire process.

While the deci­sion to approve, mod­ify or deny an appli­ca­tion rests with OPIC (or other lend­ing agen­cies where rel­e­vant) our job is to put together the best case we can given the facts we have estab­lished dur­ing the dis­cov­ery process.

In many cases, we advise the client on how to restruc­ture or repo­si­tion an invest­ment oppor­tu­nity to make it more attrac­tive. That is an inte­gral part of the busi­ness devel­op­ment effort.

Ver­ti­cal Opti­miza­tion, LLC has designed this process to remove the fear and inse­cu­rity clients expe­ri­ence dur­ing the cap­i­tal for­ma­tion process. We endeavor to elim­i­nate those. The process is out­lined at the begin­ning with clear costs asso­ci­ated with each step so the client know exactly where things are and what is expected along the way.

For more infor­ma­tion, please call + 1 202 370 6165, or e-mail us at This email address is being protected from spambots. You need JavaScript enabled to view it.. Thank you for your interest...