Investors Empowering Your Investments with Fibonaii Group

Private lenders allocate their funds into individual mortgages or a group of mortgages, generating returns from the interest paid by borrowers. Due to the higher interest rates associated with private mortgages compared to traditional ones, investors can earn attractive returns, often exceeding those from conventional stocks and bonds

Private mortgages are typically short-term loans, designed to assist borrowers who may not qualify for traditional financing due to factors like subprime credit that don’t meet institutional lender criteria. These loans are also used for purposes like home renovations or bridging the gap before securing long-term financing.

Unlike traditional lenders, private mortgage lenders primarily focus on the value of the property, rather than credit scores or financial ratios. If the borrower defaults, the lender can take possession of the property and sell it to recover the debt. Given the higher risk, private loans generally come with higher interest rates and fees.

Common borrower situations include:

• Reaching maximum qualification with a bank
• Owning a unique property, such as a fixer-upper or one in a non-traditional location
• Needing financing for construction or land in rural areas
• Lacking a long enough employment history
• Having a limited credit history
• Refinancing with high penalties
• Collateral mortgages without room for equity withdrawal
• Self-employment with variable income
• Being laid off or temporarily out of work, with plans to return
• Foreign income or new to Canada
• Financial disruption due to divorce

Private lending offers numerous advantages for investors looking to enhance their portfolios. Some of the key benefits

include:

Enhanced Returns: Private lending can yield higher returns compared to conventional investments like stocks or bonds, offering more attractive profit potential.

Portfolio Diversification: Adding private loans to an investment portfolio allows for greater diversification, spreading risk across different asset classes and potentially boosting overall returns.

Secured Investments: Private lending typically involves collateralized loans, where the loan is backed by valuable assets like real estate. This provides added protection for lenders in the event of borrower default.

Mortgages are originated solely through our mortgage broker referral network, giving us access to a higher volume of business while keeping overhead costs minimal.

• A highly experienced team to hande each mortgage investment transaction.
• Investors Funds the mortgages directly though the Lawyer’s trust account and receive funds from the trust account.
• Consistent access to a steady stream of qualified mortgages.
• Short-term investments with quick turn around of funds. Most of the deals are 6 months – 1-year horizon
• Strict underwriting process to ensure borrowers have repayment ability and marketable property
• Clear exit strategy for each investment
• Monthly interest distributions to investors
• Minimum investment of $35,000
• Investors are registered as lien holders in the mortgage, giving them Legal ownership of the mortgage.
• Fully managed by Fibonaii Group’s Administration Team, covering all related costs.

The industry average return typically ranges from 5% to 8%

At Fibonaii Group, our investors enjoy an average annual return of 10% – 11.5% on 1st Mortgages and 12%-14.5% on second mortgages

Investors receive monthly interest payments on the 5th of each month.

Examples:

• $100,000 investment at 11% return: $11,000 per year, or $917 per month
• $50,000 investment at 14% return: $5,000 per year, or $583 per month
• $250,000 investment at 14.5% return: $36,250 per year, or $3,020.8.33 per month

You won’t find returns like this with bank investments!

Note: The principal is returned at the loan’s maturity or discharge.

Thorough Due Diligence & Underwriting

Fibonaii Group meticulously evaluates each investment by working closely with mortgage brokers and agents to assess borrowers’ financial stability. Our underwriters conduct an in-depth risk analysis to ensure that each loan is appropriately vetted before approval.

Complete Asset Transparency

We believe in providing full transparency into every asset. By adhering to proven lending strategies, Fibonaii Group has consistently minimized capital loss, ensuring the highest protection for our investors.

Short-Term Investment Opportunities


To manage risk, we offer 6 months to one-year loan terms, which provide both flexibility and reduced exposure, aligning with our goal to safeguard your investment.

Reliable Monthly Payouts


Investors receive their interest payments directly into their accounts on the 5th of every month (or the next business day). Monthly statements, including a portfolio overview, are sent to help you easily track your investments.

Commitment to Capital Protection


Capital preservation has always been a core principle for us and remains at the forefront of every decision made by Fibonaii Group

Fully Managed, Fully Protected


All aspects of the mortgage are professionally managed and enforced by Fibonaii Group, including associated costs. Should legal action become necessary, our experienced legal team will handle it.

Investment philosophies vary from person to person. When you choose Fibonaii Group to manage your investment, we take the time to understand your unique financial goals. We offer personalized support and guidance, crafting a tailored plan that has proven successful for many of our clients.

We utilize your funds to administer secured loans, delivering an ROI of six to twelve percent. Our focus on one-year terms allows you to see growth, with the full return of your initial capital upon term completion.

As a licensed FSRA entity, we are fully authorized to receive mortgage payments from borrowers and pass them along to lenders, ensuring strict compliance with all guidelines and regulations throughout the process.