Traditional private credit lenders focus on credit risk assessment, leading to high interest rates (12-20%+) and lengthy approval processes. OEI revolutionizes this by using active surety bonds as collateral.

This means:

• Lower perceived risk = Lower interest rates
• Streamlined underwriting process
• Faster approvals and funding
• Focus on project viability, not credit history

Surety bonds act as guaranteed collateral from an insurance company, eliminating traditional credit risk concerns. This allows us to:

• Offer competitive rates typically reserved for investment-grade borrowers
• Speed up the underwriting process by 60-80%
• Focus on project fundamentals rather than personal credit
• Provide certainty of funding for qualified projects

A surety bond is a three-party agreement between:

• You (Principal) - The borrower
• OEI (Obligee) - The lender
• Insurance Company (Surety) - The guarantor

The insurance company guarantees your project obligations, providing us with the security we need to offer better terms and faster approvals.

Surety bond premiums are typically 2.5% of the loan amount, paid upfront to the insurance company at the time of bonding.

Example: For a $20M loan, the bond premium would be approximately $500,000.

Important: You must have liquid capital available to pay this premium. We do not provide 100% funding - the bond must be active before we fund your project.

Surety bonds are available for most energy projects meeting our criteria:

• Project value of $10M+ (bonds available up to $500M+)
• Solid project fundamentals and business plan
• Adequate financial backing for premium payment
• Energy sector focus (oil & gas, renewables, infrastructure)

Our team can help connect you with surety providers and guide you through the bonding process.

Our minimum funding amount is $10 million. This threshold ensures:

• Cost-effective surety bond structures
• Adequate deal size for our underwriting resources
• Meaningful impact on substantial energy projects
• Efficient processing and management

We regularly fund projects from $10M up to $500M+.

Our streamlined documentation requirements include:

• Comprehensive business plan (not just investor deck)
• 3-5 year financial projections with sensitivity analysis
• Historical financials (corporate and personal for key stakeholders)
• Personal financial statements (20%+ ownership)
• Permits and regulatory approvals
• Site control documentation
• Technical studies and engineering reports
• Revenue contracts and offtake agreements
• Corporate structure documents
• Proof of liquid capital for bond premium

While we primarily focus on US and Canadian projects, we do consider international opportunities on a case-by-case basis.

Preferred locations:

• United States (all states)
• Canada (all provinces)
• Select international markets with strong regulatory frameworks

International projects may require additional due diligence and documentation.

Our surety bond model significantly accelerates the traditional private credit timeline:

• Initial Review: 48-72 hours
• Due Diligence: 1-2 weeks (vs. 4-8 weeks traditional)
• Underwriting Decision: 2-3 weeks total
• Funding: 1-2 weeks after bond activation

Total Timeline: 4-6 weeks from application to funding (with active surety bond)

Our streamlined process follows these steps:

• Step 1: Initial qualification via our AI system
• Step 2: Submit documentation package
• Step 3: Preliminary underwriting review
• Step 4: Term sheet presentation
• Step 5: Surety bond procurement (parallel process)
• Step 6: Final underwriting and documentation
• Step 7: Funding upon bond activation

Our AI system pre-qualifies prospects using a 100-point scoring algorithm based on:

• Funding Amount (25 points): $100M+ = 25pts, $50-100M = 20pts, etc.
• Liquid Capital (30 points): Ability to pay bond premium
• Project Type (20 points): Oil & Gas = 20pts, Renewables = 12pts, etc.
• Project Stage (15 points): Operational = 15pts, Planning = 8pts, etc.
• Location (10 points): US/Canada preferred

70+ points with liquid capital = Qualified for immediate review

Our surety bond model enables us to offer significantly lower rates than traditional private credit:

• Traditional Private Credit: 12-20%+ APR
• OEI Surety-Backed: Competitive institutional rates
• Rate Factors: Project quality, loan amount, term length, bond strength

Note: Specific rates depend on individual project characteristics and current market conditions. Contact us for a personalized quote.

We offer flexible terms tailored to energy project cash flows:

• Term Length: 1-10 years (project-dependent)
• Amortization: Interest-only, partial, or full amortization
• Repayment: Monthly, quarterly, or project milestone-based
• Prepayment: Flexible prepayment options available

Terms are structured to match your project's cash flow profile and operational timeline.

Our fee structure is transparent and competitive:

• Origination Fee: 1-3% of loan amount (paid at closing)
• Due Diligence Fee: $25,000-$75,000 (depending on complexity)
• Legal Fees: Actual costs (typically $15,000-$50,000)
• Ongoing Fees: Minimal servicing fees

No hidden fees. All costs are disclosed upfront in your term sheet.

Getting started is simple:

• Step 1: Complete our AI qualification system
• Step 2: Schedule a consultation call
• Step 3: Submit your documentation package
• Step 4: Receive your preliminary term sheet

Contact Information:

• Email: funding@oilandenergyinvestor.com
• Phone: 1-800-OEI-FUND (1-800-634-3863)
• Hours: Monday-Friday, 8 AM - 6 PM EST

We're here to help! If you have specific questions not covered here:

• Use our AI Assistant: Get instant answers 24/7
• Schedule a consultation: Speak directly with our funding specialists
• Email us: funding@oilandenergyinvestor.com
• Call us: 1-800-OEI-FUND

Our team of energy financing experts is standing by to address your specific needs.